23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As a consumer after reviewing my credit report from XXXX, TransUnion and XXXX I have discovered that it is fraud accounts, addresses, inquiries and more on my credit.
Product: Credit card

Target Red credit card charged me return fee ( {$27.00} ) for payment return as the checking a/c was closed. I contacted them and explained that it was not the case that I do not have funds but the a/c was closed. They said that they will not reverse. From the website, I found following- '' RETURNED PAYMENT FEE -- You will pay {$27.00} each time any check or other payment order ( including an electronic payment ) is not honored by a depository institution. In any event, the Returned Payment Fee will not be greater than the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. '' It was a return not related to funds but a/c closure so these charges should have not been levied but a chance or atleast notification should have been sent to customer. Since I check my XXXX account every day so I notice that payment has been rejected by bank so I made the manual payment on my own without notification by target XXXX
Product: Checking or savings account

I was constantly charged for overdraft when the account was not over drafted. Funds not available for 5-7 days after direct deposit. Was XXXX on timed that I had multiple vehicle loans from Wells Fargo when I never opened a vehicle loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
XXXX. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account.

2. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For TRANSUNION 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.
Product: Credit reporting or other personal consumer reports

1. Extortion : By reporting these false late payments, you are coercing me into a situation where I must pay amounts that are either incorrect or unverifiable. This leverage against my creditworthiness for financial gain is a clear act of extortion.

2. Fraud : The deliberate reporting of inaccurate information to consumer reporting agencies, knowing that the requisite billing statements were never provided, constitutes fraud. This misrepresentation of facts to damage my credit score is unlawful and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened an account with XXXX XXXX yet there is a charge off account on my credit report stating that i owe {$50.00} when I never opened an account with this company. I shouldn't have false information on my credit report and i dont believe i should be penalized for inaccurate information. The bank information is XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX agreed to waive the late payments and remove the 2 recent, late payments for four different accounts I have with them. The delinquencies are still on my credit file and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  accounts from XXXX auto finance, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, have failed to supply me with correct account numbers, which have violated all privacy laws and an act, per article numbers, 15 u.s.c. 1681 section 602 A. states i ahve a right to privacy. 15 u.s.c. 1681 section 604 B section 2 states an consumer reporting agency can not furnish an account with out my written instruction.
Product: Debt collection

Hello, My name Is XXXX XXXX and I am filing a complaint against LVNV Funding LLC for committing identity theft I have never given LVNV Funding LLC permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claimI owe. I am legally refusing to to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of allillregal activity, any communication, and collection activity of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX. Company Inquiries : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX took several overdraft fees from me over a course of XXXX
Product: Credit reporting

I have had this issue on and off for years. My report can not be accessed by myself or creditors. I called the public affairs department and they tell me they do n't see an issue. I do n't know what to do - right now I ca n't get insurance because they company ca n't access my Equifax report. When I have called/complained to the CFPB previously, they fix it but the fix only lasts a month or XXXX. I need to be able to consistently access my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies are reporting inaccurate address information on my consumer file. I've mailed in dispute letters. I'm not sure why their employees always mentioned to contact the creditor as if I the consumer control what information the creditor reports. FCRA gives me the right to dispute directly with the consumer reporting agencies by federal law to make sure the information is fair & accurate. My address should only show " XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX '' as it is correctly accurate. 

Delete XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX from my consumer report as it is inaccurate information reporting. You are all in violation FCRA under 15 U.S.C. 1681
Product: Payday loan, title loan, or personal loan

I asked XXXX XXXX to cancel my membership in XX/XX/2018 they said they can not because I had a loan with them. Months go by a payments I do not want to a service with no real features. Fast forward to the beginning of XX/XX/XXXX I am having financial difficulty and will have to make payments at another time and I recind or cancel any authorization I gave in the past To my bank account and asked to cancel my membership again and they refused to do either. I dispute the charges with my bank and they reversed them but they will not stop trying to debit the money from my account without my. authorization. Last week they hit me again for around {$40.00} and I had to go a full week without my medicine well I disputed it with my bank. When you are not behind on your payments money lien allows you to get XXXX dollar back a day through their app of the membership fee to be put in an Investment account But does not allow you to access the account and if you do not current on your loan all the money for the membership goes into money Moneylions Pocket essentially making you pay {$50.00} every two weeks with only XXXX of that going towards your loan. I have around {$150.00} in that account that could be going towards my loan that money lion will not allow
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert on XX/XX/2020, that Assoc Credit Services ( original creditor XXXX XXXX XXXX XXXX ) was in collections. I was so confused, I've never heard of this collection company. No one has called me from their company, I received no letters this just randomly appeared on my credit file. The very next day XX/XX/2020 I received another alert saying the debt was paid in full and the balance was showing {$0.00}. Ive called the number listed I was just put on hold multiple times. My final bill from the XXXX XXXX was paid DIRECTLY to them on XX/XX/2020. So of course the balance was {$0.00} I never owed them in the first place! Assoc. Credit Services had no right to report anything to my credit file since they saw that it was paid through the original debtor. This had NOTHING to do with them. The debt was paid and handled directly with XXXX XXXX XXXX. I am attaching that original receipt.
Product: Debt collection

Arcon is using deceptive practices to attempt to collect an alleged debt by stating I have a judgement against me. I've attached records from the state of NJ that clearly indicates I do not have a judgement against me. See attached
Product: Payday loan, title loan, or personal loan

I recieved a call from D2 management regarding a payday loan in which I never received. Was told this was XXXX loan from XXXX XXXX and I informed them that I havent gotten a loan and I ended the phone call
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$30000.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally advise you of the deletion of an account from my XXXX credit report and to request that the corresponding charge-off account be deleted from my credit reports with the three major credit reporting agencies ( XXXX, Experian, and XXXX ). The account in question, which was a XXXX charge-off, was disputed and subsequently deleted from my XXXX credit report after an investigation was completed on XX/XX/year>. Given that XXXX has completely deleted this account from my credit file, I respectfully request that XXXX, Experian, and XXXX take the same action. The information associated with this account is now verified as inaccurate and can not be substantiated with documentation. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, any information that can not be verified must be removed from the credit report. The FCRA clearly protects consumers from having unverifiable or incorrect information impact their creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I request that the unverifiable XXXX charge-off account be deleted from my credit report with your agency within 30 days of receiving this letter. Failure to do so within this timeframe would be a violation of my consumer rights under the FCRA. As outlined under Section 611 of the FCRA, if an item is not verifiable after an investigation, it must be removed. If the credit reporting agencies do not delete the unverifiable debt, I am aware that I have the right to take legal action, including but not limited to pursuing claims for damages. I also reserve the right to take any additional legal recourse available to me, including reporting the violation to the CFPB and potentially filing a lawsuit for damages under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). Please confirm the deletion of this account in writing within 30 days, or if the information is still being reported, kindly provide a complete and accurate response substantiating the debt. I look forward to your prompt attention to this matter. Sincerely, XXXX
Product: Credit card or prepaid card

Around XX/XX/2020 I applied for XXXX, received my card along with my XXXX  payment of {$200.00}. Spent it on bills and certified for my weeks available. My weeks that I certified ending up being stuck on pending for some months ( which I didnt find out until recent ) I ended up loosing my entire wallet around that time and having to cancel all my credit cards. Never thought to call about the prepaid XXXX card because I assumed it was empty. 
I ended up surviving on XXXX off jobs throughout the entire pandemic. 

Fast forward to recently I lose my job again due to our companys relocation, I Re Apply for XXXX. When I log in to re apply I noticed that my pending weeks had paid out, called XXXX about and they told me to call Bank Of America Prepaid Services Because my funds should still be in the account I reached out to Bank Of America Regarding My Account and they let me know that someone had fraudulently drained my entire card, they informed me of their claim process and how Regulation XXXX Requires them to provide me a temporary credit after XXXX business days. The claim came out to just under XXXX dollars ( mind blowing ) They mailed me a new card and told me check my balance everyday to make sure I receive my credit. 

When I activated the new card I checked all the previous transactions on the account and sure enough it was drained down to XXXX cents, but I also noticed that alot of the transactions were ATM Transactions, a lot of them being Bank Of America ATMs at that. 

Why hasnt Bank of America accessed the ATM Footage? Because they know it will prove that I was robbed. 

I filed my claim with Bank of America on XX/XX/XXXX. Today is XX/XX/XXXX and Bank of America employees are telling me that they dont understand why I havent been provisionally credited and that on their computer my claim status has been pending provisional credit since the XXXX. 

They claim that their Back Office handles the credits and that they have sent numerous letters to them requesting that I be credited. 

When I called this morning I was told since the back office is overflowed with papers I wouldnt expect to see a credit for at least another XXXX  days. 

This a clear violation of Regulation XXXX and XXXX  XXXX XXXX employees have admitted that on multiple occasions. They are attempting to use the entire XXXX  days allowed for their investigation without providing the temporary credit. 

I am currently being evicted, I also have nothing to eat. 

Please reach out to Bank of America and rectify this situation immediately. 

ATTN : Bank Of America Prepaid Claims Claim Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a certified letter to Equifax asking them to investigate an erroneous item on my credit report. The account is as follows : XXXX XXXX XXXX XXXX Account Number : XXXX ( as listed on my credit report ) Amount : {$1800.00} This item was sent via United States Postal Service certified mail tracking number XXXX. Upon tracking this letter, it was delivered on XX/XX/year> at XXXX EST. I am attaching a copy of the envelope as well as the letter that was sent, and the delivery confirmation. As of today, XX/XX/year>, I have not received any correspondence from Equifax regarding this dispute. The allotted 30 day timeframe for Equifax to respond to my dispute has lapsed ; therefore, per the FCRA, this item must be deleted from my credit report. I am aware that the Consumer Financial Protection Bureau has recently ordered Equifax to pay {$15.00} XXXX for improper investigations of credit reporting errors due to their negligence in accurately investigating disputes. Unfortunately, I am a victim of this and it has severely impacted my credit rating and my credit score.
Product: Checking or savings account

I have 2 accounts with U.S. Bank. A business and a personal account. I have had the business account for over 2 years now without any issue. A few days ago ( XX/XX/2020 ) I logged on to check the account and noticed it was missing completely from the app. I called and found out that the Branch manager at a specific bank closed the account without listing any reason. I had over XXXX in the account so it wasn't due to overdraft. I also completed a transfer weeks before that so it was being used regularly. I called the branch manager XXXX XXXX at the XXXX XXXX in XXXX XXXX California. She told me she closed the account personally, but did not give me a reason. She stated that if I transferred money to my personal from business and vice versa then that may be the reason but didnt confirm. She kept saying sorry but no reason was given for my business account being closed. I never received prior notice or even a phone call. I am a XXXX and XXXX XXXX, no fraud or other issues have ever been done. I still have my personal account and a credit card with them, those accounts were untouched. I am going to be cancelling these accounts and taking my business to a XXXX XXXX!!!
Product: Credit card or prepaid card

This involves a XXXX issued by Synchrony Financial in XXXX. 

I have been charged for an intangible called card security every month since the opening of the account. I did not authorize this. 

The account has been on auto pay and my account is in good standing. I have not seen a statement. Until XX/XX/2022, I discovered this fraudulent charge ( s ) on my account and with the help of one of their account managers, I was informed by them that the monthly charges from the beginning of time have amounted to {$1800.00} I have a fraud claim in process with the company, and I have a reference number. 

The interst on the charges is in excess of XXXX. Additionally, my current balance with this XXXX is {$3100.00} or higher. 



I
Product: Debt collection

Subject : Urgent : Discrepancy and Concerns Regarding Account Dear Consumer Financial Bureau : On XX/XX/year>, I received a letter from PayPal stating that my account was closed due to unauthorized activity. The letter mentioned they would be working with XXXX XXXX  regarding fraud liability and notified the credit reporting agencies about the issue. 
However, things have only gotten more confusing from there. I recently received a statement showing that I owe {$31.00}. I have no idea where this bill is coming from or why I would owe anything, as I havent made any purchases through PayPal in quite some time. 
In XXXX, I received another statement, this time indicating a balance of {$63.00}. Yet again, there is no explanation as to why I am being billed. This has left me feeling frustrated and helpless. 
When I attempt to call for assistance, I am directed to an automated bot that is completely unhelpful in addressing my concerns. It is nearly impossible to resolve this issue through their system. 
This situation feels like a scam. In my understanding, receiving a bill would typically imply that Ive agreed to a purchase or service, but I havent authorized anything. 
Any help or guidance you can provide in sorting this out would be greatly appreciated. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Resolution Services. {$1000.00}. Open date XX/XX/2018. My credit has been severely affected by this and I have No knowledge of this collection account or No Contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$49000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.