23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

We have been the victim of unauthorized credit card charges by people/companies that were never given permission to do so ( theft ) for which we reported these issues to the special Citizens Bank XXXX XXXX XXXX who promptly closed our card and told us theyd reissue a new one, causing us major inconvenience. However even though we are supposed to get provisional credit right away due to these thefts ( backed up by complaints to law enforcement ), the cheap, miserly, and dishonest bank is not issuing these provisional credits even though we timely reported them and now its been weeks. The case numbers are XXXX for at least {$2500.00} if not more, and case nos XXXX XXXX XXXX for {$650.00} plus. Please urgently investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, TransUnion, XXXX XXXX, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by disclosing our information for financial gain for themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have problems lifting/temporarily removing a security freeze on my TransUnion report. The representative continue to tell me that my case-must be handled by their special case department. They can never give me a reason on why my account is being handled by this department. I truly believe in protecting ones information, but this is ridiculous. Im continuously getting the run-around from different departments and the language barriers doesnt help. I have no issues with lifting/removing from XXXX or XXXX. It should not take weeks to have a security freeze lifted, when its an online transaction.
Product: Credit reporting or other personal consumer reports

This below accounts are being reported inaccurately as a charge-off, which in fact the accounts were paid in full. The companies are violating 15 USC 1681e ( b ) if there was in fact a charged off debt as well as 15 USC 1681s2. I demand that this account be deleted from my credit report immediately to avoid any civil penalties as I am prepared to exercise my legal rights under the FCRA. I have forwarded letters to the creditor and all three credit bureaus, and they have failed to adhere to the requests or respond. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The public records for XXXX XXXX XXXX that are more than 7 years old are reporting on my background checks for employment causing denial for employment. This information was once removed from my reports since it was a XXXX committed in XX/XX/2009. 

Please take this information off my report.
Product: Debt collection

XXXX XXXX XXXX this company trying to collect money and does not provide explanation of the amounts of a debt not providing explanation of charges defining the debt.
Product: Credit reporting

Hello, I have sent numerous letters to XXXX regarding the accuracy of this charge off appearing on my credit report. Attached is the last XXXX I sent back in XXXX. The company could not find or locate my account nor verify that the account actually belongs to me. I respectfully request the removal of this charge off on your end based on the violation of the FCRA. The account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX
Product: Debt collection

Macys XXXX statement was paid in person at the store. The payment was not credited to my account. 
Macys reported XXXX that payment was overdue which loweredmy credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, an unauthorized transaction in the amount of {$1000.00} was deducted from my Suntrust ( Truist ) checking account. The funds that were taken from my bank account was transferred to another XXXX XXXX crypto currency account. I have an account with XXXX XXXX ; however, I did not authorize this transaction on XX/XX/XXXX XXXX. 
I have a XXXX XXXX account, and I called ( XXXX ) on XX/XX/2022 to investigate this matter and they confirmed that a {$1000.00} was stolen from my bank account and applied to another account and that they did not know where the money had been applied. 
On XX/XX/2022, I went to Suntrust bank, and they also confirmed that the funds had been taken from my account and I completed a form that stated that I did not authorize this transaction. I faxed the form to corporate offices the next week and they stated they would respond in XXXX to XXXX days. I got a response the next week and they denied the claim and the reason was now error occurred. 
I contested this decision from Suntrust ( Truist ) Bank and I have submitted a rebuttal in which is currently pending.
Product: Debt collection

A company by the name of XXXX XXXX XXXX XXXX XXXX contacted my family by phone and never sent me any correspondence personally to my current address on file and informed me that I owed {$300.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and Im placing a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing my family about this account for weeks, but havent reached out to me personally. I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of Cash store but I've reached out to Cash store countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.They are contacting family members and using aggressive language and verbiage they never reached out to me by mail. Im seeking debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this complaint. I would respectfully ask that these accounts be removed immediately. For they are reporting inaccurately and they are damaging my reputation. I have been denied for loans and employment.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, PayPal froze my account and the sum of {$16000.00}. They say I violated there buyer protection agreement but after reading that agreement. I in no way violated said agreement. On XX/XX/2020 they placed a hold on my funds for 180 days because of charge backs and complaints but that would be impossible because the money was a loan and the person who loaned me the money had there account banned as well so even if they wanted to complain they couldn't. PayPal is refusing to release my funds to me under this facade. I feel like I'm being bullied by this company and they have lied to get me to pay outstanding balance using my locked funds as leverage even deducting the funds from the locked account. please help me with this matter PP-LXXXX is the case number to this matter
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think legally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, I purchased a {$500.00} Visa gift card from the XXXX grocery store in XXXX XXXXXXXX XXXX 

There was an unauthorized transaction of {$500.00} made on XX/XX/XXXX, and the balance on the gift card is now XXXX, {$0.00}. 

I contacted the gift card company, VANILLA GIFT CARD XXXX, about this issue on XX/XX/XXXX and XX/XX/XXXX along with sending in pictures of the front and back of the {$500.00} gift card, the XXXX store receipt showing proof of purchase, and the dispute transaction form. 

However, I still have NOT heard back from the company or received a replacement {$500.00} VISA GIFT CARD. 

I WOULD LIKE TO HAVE MY {$500.00} VISA GIFT CARD REPLACED.
Product: Credit card or prepaid card

I currently have a Walmart Mastercard. I recently noticed a reoccurring charge on my statement every month. I am not sure when this first started as I can only go back to my XX/XX/2017 statement on the Walmart website. This monthly charge is charged as 1.6 % of my current card balance every month for card security. I did not sign up for this service nor did I authorize this service from XXXX. This is through Synchrony Financial. After searching online this seems to be a common issue. There are many other people who were also unaware of this monthly charge, and did not sign up for " card security. '' I would like for the service to be discontinued immediately, and refunded for being charged for a service I never signed up for.
Product: Debt collection

Kept calling me and my family members on a debt that I have no clue about. Advised credit card was compromised and was supposed to be closed for fraud charges. Advised was written off as it was not my debt by somehow still getting calls.
Product: Student loan

I have student loans with American Education Services ( AES ). My loan balances are up to date and current. My father is the cosigner on the loan. My grandfather, XXXX XXXX, who is not affiliated with the loan has been receiving phone calls from AES almost daily and sometimes multiple times in a single day. AES is calling their home phone and my grandfather 's cell phone. My grandparents have spoken with AES dozens of times and explained that they don't understand why they are calling and have no information for them. They have asked AES to stop calling. I have contacted AES and asked the calls to stop. The calls continue to come. I have contacted AES on XX/XX/19 to demand the calls stop. AES refused to confirm the calls would stop. I spoke with a woman named XXXX. AES would not give me, the primary on the loan, any information. They just speak in circles from a script. I am paying my loans. They are current. My grandparents are not involved. I want the calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to Transunion on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX certified mail. I have not heard from them. I have not received any of the documents I have requested to verify the information that is on my credit report. There are a number of inaccuracies that are on there. The same dispute letter was sent to XXXX  and all accounts that were disputed were removed.
Product: Vehicle loan or lease

This started when I made my last vehicle payment. Ally bank took two payments out of my checking account. When I called Ally regarding this, I was told that one of the two payments could not be cancelled, and that a manager was not available to speak with. I was also told that I would have to cancel the payments through my bank. I did cancel the [ payments with my bank and since the end of XXXX have not been able to make the payment. I have called Ally numerous times regarding this yo no avail. Now they're telling me my account is delinquent, incurring fees, after I've already incurred cancelation fees with my bank.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer and Miscommunication : The account was transferred and there was a delay in processing the transfer. Any late payments that were reported during this period should not have occurred as I was under the impression that the account was in transition, which can be confirmed through payment records. 
Payment Processing Delays : There may have been a miscommunication between XXXX and the servicer during the transition. I had initiated payments during the normal billing cycle, which are reflected in my transaction history prior to the account transfer. This delay should not have resulted in a 120-day late payment.

System Error in Reporting : I had already raised a dispute, which was marked as resolved. However, the 120-day late payment still remains inaccurately on my credit report with TransUnion, indicating that the dispute was not appropriately resolved.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have Venmo account that should have over {$1000.00} in. I went to the website to transfer the balance but the website has been deactivated. When I try to log on the phone app it says SERVER ERROR. When it seems that I got on to the app, it doesn't show recent transactions and shows {$0.00} in my account balance. I deleted the app and reloaded it, but that didn't work either! 

I tried to call Venmo but they are not taking calls at this time and no way to leave a message. I filled out the XXXX email request for help and received an automated email reply with suggested articles that DO NOT address the issues. 

What is going on with Venmo? Are they keeping my money? 

Please help me confront Venmo so I can get my money!
Product: Payday loan, title loan, or personal loan

Conns furniture store will start calling me two days before my payment is due and then they text and email as well, today on Sunday XX/XX/18 they have called me 12 times from XXXX to almost XXXX and Im only 5 days late. This has been the way they treat me all the time, I asked them to not call my cell phone and they still do, they wont work with me after I lost my job and Im actually just now five days late. They call me five unlimited different numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXXXXXX   account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXXXXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Debt collection

Borrowed money back in 2013 for {$1000.00}. fell behind and tried to work things out, in the mist of getting funds together when I called them back they told me they lost my information and had to look for it and would call me back. They never did and I repeatedly called them to make payments arrangements yet they could never locate my account. 

The information on my credit report in incorrect, the date of last activity, the open date is all incorrect from the loan application information. I am asking to have this information verified and corrected or have the account deleted from my credit report.
Product: Debt or credit management

I asked Lexington law for their services n nothing was being done. Also, I would like to if any unfair practices or upfront fees were applied to my fees they were charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting my credit card account as closed. The account is still open and has never been closed. I have filed disputes with all 3 bureaus and they are still reporting my credit card as closed. My account is current and open.