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

I have an account through VyStar Credit Union, as Im sure many others have complained. Their online AND mobile banking has been down since XX/XX/XXXX, this includes bill pay etc this is almost two weeks. They say their online was working although when you try to log in, it puts you in a que ( I was XXXX ). There were others today that were # XXXX + So you have to keep your browser open for however long it takes XXXX min ( probably hours if youre as high up as in the XXXX XXXX  ) and takes you to a log-in screen with NO submit button. So it is still not working even though they promised customers it was. There are ATMs that are down, branches have lines out the door and it takes hours to reach someone by phone. This is the WORST, absolute worst banking experience and they should face some sort of fines for this. Customers can not do business as promised. Even for those who do get in after holding, the online platform does not show details, just amounts. You have no way of knowing if there is fraud on your account etc its absolute rubbish.
Product: Credit reporting or other personal consumer reports

This is the third time XXXX XXXX XXXX has sent a bill to collections and the collection agency has incorrectly identified me as the owner of the account. Each time, the collection agency sent the information to credit monitoring services negatively impacting my credit. The latest agency is XXXX XXXX XXXX and the previous two were XXXX XXXX XXXX. I have never held any account with XXXX XXXX XXXX. The previous two incorrect collections ( XX/XX/XXXX and XX/XX/XXXX ) were deleted from my credit reports and the third is pending ( XX/XX/XXXX ) I have asked all three credit agencies to verify additional information and my credit has been locked since the initial issue.
Product: Debt collection

My ex-wife has charges from ministry health care that she has not paid. These charges were incurred by her after our divorce was final. XXXX XXXX XXXX has not made any attempt to contact me or collect from me regarding her account. XXXX XXXX XXXX has put her account in collections with Alliance Debt Collectors. She still wo n't pay so Alliance has sent letters to me saying I owe this debt and they have reported it to the credit reporting agencies that I am a co-signor on her account and it is in collections. I have informed Alliance that it is not my debt and asked for verification. They sent a reply that does show my ex-wife owing this debt but not that I owe it. Last letter from Alliance is that they have been authorized to refer me to Attorney to be sued. A few days later a letter from Attorney XXXX XXXX XXXX arrived that he has been authorized to sue me unless I contact Alliance and pay.
Product: Credit reporting or other personal consumer reports

Please remove these inaccurate inquiries from my credit report Account name : XXXX XXXX XXXX : ( XXXX ) Receivable Recovery : ( Medical ) LA XXXX XXXX Delinquent Recovery : XXXX XXXX of Water Sewage In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681B.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shown " Pre-approved '' for credit cards that I was then denied for repeatedly on Credit Karma. My credit score has suffered due to the hard inquiries that should've resulted in new accounts being opened but instead resulted in denials. I was led to believe I would be approved for these cards due to the wording used by Credit Karma. I have used this company for many years and am very disappointed to find that they are hurting my credit score rather than helping it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX***
Product: Credit reporting or other personal consumer reports

I have hard inquiries reported on my TransUnion credit report ( I opened an auto loan on XXXX and I specifically told the dealership ( XXXX XXXX XXXX XXXX XXXX only to pull my credit twice and stated to which companies : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

The companies below are reporting hard inquiries I strictly was unaware of and under no circumstances did not approve of. I have mailed each company letter requesting deletion as I did not approve of and is negatively impacting my credit report. I also mailed a letter to TransUnion requesting deletion as I did not approve of it. No action has been taken. 

XXXX ) XXXX XXXX - XXXX XXXX XXXX- XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX XXXXXXXX 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor My credit report includes the following erroneous information that needs to be investigated and delete : CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently looked at my credit profile and noticed that there were a few inquiries on my credit report that i did not give my consent for them. Here is a list of the them : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

So regions said my account was over drawn, but my account is clearly not overdrawn. I had another deposit coming in for anything that would come out today, but last night it wasn't overdrawn. It still showed {$35.00}. I haven't had this problem until 2021. This has happened 3 times and they say I had not enough funds to cover it. But it shows that I did and do. I am looking forward to switching banks because none of my other bank accounts do this to me. I literally see that regions is now stealing money from their customers. I took a screen shot. Literally if I know its going to be negative, I transfer money in time, but in this way when a check comes overnight. They give me an overdraft fee even when my account balance is not negative.
Product: Credit card or prepaid card

BEING A VICITM OF AN IDENTITY THEFT REPORT MEANS SOMEONE HAS ALL YOUR PERSONAL INFORMATION EASLY CAN PRETEND TO BE YOU. THE PERSON WHO STOLE MY IDENTITY NOT ONLY OPENED FEW CREDIT CARDS HE ALSO HAD OPENED A CHECKING ACCOUNT WITH A BIG FINANCIAL INSTITUTION AND HE OR SHE MAINTAINED THE CREDIT CARDS THROUGH THAT FRAUDULENT ACCOUNT. I TAKE PRIDE IN MY CREDIT REPOT AND I HAVE BEEN TRYING TO FIX MY PROBLEM AND FINALLY REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE CHARGES ON THE CREDIT CARDS ARE NOT MADE BY ME, THE PAYMENTS THAT WERE MADE ON THE FRAUDULENT ACCOUNTS WERE NOT DONE BY ME. AS SOON AS I FOUND OUT ABOUT THIS THE ACCOUNT WAS CLOSED I HAVE GONE TO THE POLICE AND I HAVE FILED NUMEROUS IDENTITY THEFT REPORTS. I LIVE IN AN APARTMENT COMPLEX AND EVEN OUR MAILBOX WAS BROKEN INTO FEW TIMES NOT JUST MINE THE ENTIRE BUILDINGS MAILBOX. BEING A VICTIM IS DIFFICULT AND HARD TO DEAL WITH BECAUSE YOU DON'T KNOW WHAT THE PRDOR IS CAPABLE OF DOING, AND THEN TO DEAL WITH THIS FOR ALMOST ONE YEAR IS CRAZY AND UNFAIR. AND TO THINK THAT SOME ONE SITTING IN THEIR NICE OFFICE, WHO PROBABLE HAS NOT EXPERIENCED WHAT I HAVE HAS NOT HAD THE HEADACHE CAN JUST ASSUME THAT AND TEL ME THAT BECAUSE YOUR ACCOUNT WAS MAINTAINED FROM MY CHECKING ACCOUNT THIS AND THE OTHER. WELL I WOULD TELL THEM PLEASE PUT THEM SELVES IN THE SHOES OF THE VICTIM.
Product: Checking or savings account

I called in to discover bank to dispute a ACH transaction with XXXX XXXX knowing that I dont business with them and discover was so quick with the investigation and denied my claim and closed within few days and didnt give me the chance to appeal or send any documents for these ACH transactions and wouldnt help me with getting started with the appeal and I lost over 800 dollars with this bank and Im so sad and there no customer service agent would help me and they had to change my account number over to XXXX from XXXX for nothing .... I would like to closed this checking account if they cant grant a appeal with XXXX XXXX ACH
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday, XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern, Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal rights Pleased removed ASAP Sincerely, US DEPT OF EDXXXX Account XXXX Balance {$160000.00} Balance updated XX/XX/2022 Original balance {$120000.00} 15 USC 1681b Permissible Purpose Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal. Please remove from account with 30days XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX has not provided a signed contract between XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States
I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX Bank opened on XX/XX/XXXX. During the first two years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made XXXX bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted XXXX bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted XXXX after reviewing my credit reports I noticed two things about how it was reporting. One, the balance was paid in full for less than the total amount. I never agreed to this. Two the account is still reported as derogatory. I did inform Citizens that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, XXXX refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have maintained a great relationship with XXXX for over 30 years doing my banking, auto financing, credit cards, loans home and auto insurances over a span of a decade. In 2019, I circumstances changed and my combat wounds from XXXX XXXX MILITARY and I became 100 % XXXX. Within, XXXX I had to ensure all documentation for medical for the VA and XXXX XXXX XXXX I went from the work force to a XXXX life and within this time span a suffered a divorce and the XXXX happened. 

I never once tried to get out of my obligation with XXXX and in writing and by phone calls worked payment plans out best suitable. XXXX, I received a call from XXXX XXXX XXXX ( not the CEO, a person from or claiming to be from the CEO of XXXX XXXX ) about my letters I wrote and over recored line stated they aren't doing nothing.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue I have been experiencing with XXXX regarding my credit report and their refusal to comply with the Fair Credit Reporting Act ( FCRA ) Section 605B. After submitting the necessary documentation, including a police report and FTC reports regarding fraudulent trade lines, I expected XXXX to act promptly. However, they have failed to comply with the law, which stipulates that upon receiving such documentation, they must block the fraudulent accounts from reporting on my credit report within three days.

Instead of taking appropriate action, XXXX has placed my case in a 30-day dispute and falsely claims that the creditors have verified the accounts as correct. To investigate this matter further, I reached out directly to the banks reporting these fraudulent accounts. Each bank confirmed that XXXX never contacted them regarding the trade lines in question. This behavior is troubling, as it appears XXXX is prioritizing its financial interests over the legal protections afforded to victims of identity theft and fraud. 

It is critical for credit bureaus to understand that cases of identity theft are not ordinary disputes. These are serious matters involving fraud where someone has obtained credit, merchandise, or loans in another person 's name. The ongoing presence of these fraudulent accounts on my credit report has caused immense pain and suffering, preventing me from obtaining necessary credit to care for my family and meet our needs. 

Two years ago, I filed a lawsuit against XXXX, which they settled, acknowledging their wrongdoing. More recently, I filed a second complaint lawsuit against them but chose to pause the proceedings, hoping they would take the necessary steps to resolve this matter and restore my credit. 

I was disheartened to learn that the CFPB is currently suing XXXX for {$15.00} XXXX for similar failures to comply with the law. This tells me that millions of people are being held liable for their failure to provide adequate oversight. It is my hope that you take my situation seriously and take the necessary actions to ensure my credit report is corrected, restoring my reputation in the process.
Product: Student loan

The debt has been settled but it is still showing on my credit report. I have not received any documents.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the practices of the following companies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding the inaccurate reporting of my credit information, which I believe to be in violation of both Law 605 ( b ) and the Fair Credit Reporting Act ( USC 1681 ).

According to Law 605 ( b ), a consumer reporting agency must ensure maximum possible accuracy in the information it reports. However, the information reported by the credit bureaus is not only inaccurate but also misleading, causing significant harm to my credit standing and financial well-being. Despite my repeated attempts to rectify this issue directly with the bureaus, they have failed to respond adequately, which is unacceptable.

Furthermore, USC 1681 outlines the responsibilities of credit reporting agencies to conduct reasonable investigations into disputes. It is clear that the bureaus have not adhered to these requirements, as they have neglected to provide evidence to support the claims, nor have they updated or corrected the erroneous information in a timely manner. 

I would like the CFPB to investigate this matter thoroughly and hold the bureaus accountable for blatant disregard of consumer rights and failure to comply with federal regulations and doing a proper investigation. I am prepared to escalate this issue further, including potential legal action, if this matter is not resolved promptly. 


I would like a prompt acknowledgment of this letter and a detailed explanation of the actions the CFPB will take regarding this issue. Please consider this matter urgent, as continued inaccuracies in my credit report will only exacerbate the situation. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EQUIFAX. I am writing to appeal that you block the following inaccurate information from my credit report. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my credit score with Transunion was XXXX.XX/XX/XXXX it went down to XXXX and a day later it went down to XXXX. 
Now my XXXX scorer dropped 89 points in 2 days. 
I called a Transunion and the dropped seem to correspond. 
Now this sudden drop in XXXX. 
How are the points determined to increase or decrease. I have been trying to get an understanding how the points are determined. 
I have received my free credit reports for both, I am using XXXX XXXX. I asked them if I can put in a certain say to try and figure out what changed, I have not been successful in getting a straight answer