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

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Company Name : 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to ask BB & T Consumer team to remove hard inquiry recorded on my equifax on XX/XX/XXXX there is issue happened you guys pulled my credit twice for approval credit card application XX/XX/XXXX AND XX/XX/XXXX So i'm ask to remove it from my credit buearu i'm valued customer with BB & T i have active checking, busniess, credit card acounts checking edning XXXX XXXX XXXX credit ending XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I received an invoice for {$650.00} from Bank of America, XXXX XXXX XXXX, XXXX, DE  XXXX and XXXX XXXX XXXX, XXXX XXXX, TX  XXXX, and on the same date I sent a letter to both addresses in which I told Bank of America that I had never applied for or used any credit card with this bank. No response to this correspondence was ever received. 
On XX/XX/2020 I received an invoice for {$700.00} from Bank of America showing the same information, and the amount had been increased by a {$40.00} " fee ''. 
On XX/XX/2020 I received a letter from Bank of America about its decision to reduce the credit line on this fraudulent account that I did not apply for or ask for. 
On this date, XX/XX/2020, I have sent another letter by certified mail to Bank of America at the above two above addresses demanding that this billing be permanently terminated. 
Bank of America has violated the FDCPA and FCRA and other consumer protection statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report these items has been stopping me from purchasing my home for my family. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by Equifax, XXXX, and XXXX  and have yet to receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately. Can someone please look into this? Thank You ACCOUNTS XXXX XXXX XXXX XXXX never late US DEP ED XXXX not mine XXXX XXXX not mine INQUIRIES  XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XXXX ; XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX  XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with your handling of my dispute regarding the negative items on my credit report. I initiated these disputes weeks ago, yet despite XXXX promptly investigating and removing these negative items, TransUnion and XXXX continue to report these inaccuracies. This stark contrast in your response times is unacceptable and reflects an alarming level of incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pleasereversethelatepaymentsreportedonthefollowingaccounts:XXXX/XXXXXXXXandXXXXXXXXXXXXTheaccountswereneverpastdue,inevermadealatepaymenttothiscompanyeverpleasechangethis,ihaveagoodrelationshipwiththesecompanies.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act TransUnion account XXXX reference XXXX XXXXXXXX bankruptcy has violated my rights 15 U.S.C 1681 section 602 A.States I have my 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
Product: Debt collection

I was sent a letter on XX/XX/2021 from the credit debt collection company. They sent to an address that I no longer live at, and the internet service provider would have no way of knowing that old address. The letter was vague and stated an amount of of money I owed, but I never got notification from the parent company about money owed. 
I attempted to look for any notification, which I never received. The last time I used the internet service would be several years ago. 
After doing some research on the debt collection company a few days later. XX/XX/2021, it appeared to be a scam or unverified company.
Product: Checking or savings account

Upgrade Inc. aka XXXX XXXX XXXX has still not administered my SIGN UP BONUS
Product: Credit card or prepaid card

My Serve Prepaid Debit Account was permanently suspended on XX/XX/2023. I received an email stating that the activity on my account was in violation of the Consumer User Agreement, section : 15D. There was no detail provided on what the actual violation was and I believe this was done in error. 

After spending a total of 3 hours being on hold and transferred to multiple departments, I was finally able to speak to XXXX who is one of the Account Supervisors in the Fraud Account Protection team in XXXX XXXX XXXX, Utah. 

XXXX stated that he could not give me any details about my account and he could not give me a time frame of when I would receive my funds from the closed account. I was instructed by XXXX to write a letter to customer care. 

I have been a Serve American Express Cardholder for nearly 10 years and have never experienced such chaos and utter disregard. I have funds on this card and no one can provide me with a time frame as to when I should expect my funds from this closed account. I relied solely on this card and this extremely inconvenient.
Product: Credit card or prepaid card

Yesterday, I received an sms to pay for a parcel I was waiting for. In the sms there was a link to pay for shipping. I used the link and tried to pay with my revolut card. A code was asked and I received it via sms as well. I encoded the code. 
The transaction was not performed. 
During the night, several transactions were made in my revolut account and the money was stolen. 
Revolut considered that is my fault and they can't return my money.

Please advise!
Product: Money transfer, virtual currency, or money service

Hello, I used to have a Wells Fargo account and was recently informed of a settlement that they gave out for clients who experienced overdraft fees. How can I have access to this money? 

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

All credit agencies ( Experian, XXXX, XXXX ) are reporting this information on my credit that I am not familiar with, I need this information removed immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Law FCRA Section 605B ; it is illegal to report information on my credit account without my permission. please remove this account from my account immediately.

15 U.S. Code 1692f - Unfair practices / 15 u.s.c 1692 15 u.s.c 1666 B / 1681 a ( 2 ) i 1099c ( remove loan debt ) According to 15 U.S.C 1692c you have violated my rights by unlawful communication. Please remove this information off my credit report immediately, thank you.
Product: Credit reporting 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 15 USC 1681.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX, Name : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I SENT MY SISTERS ID WITH MY DISPUTES, IM RESUBMITTING FTC AFFIDAVIT
Product: Debt collection

Synchrony bank is going after me for an item that was broken when sent. The customer service rep told me to trash the mattress since it wasnt in the original box. They fraudulently charged me for random things so I opened a case and closed my account here is proof
Product: Checking or savings account

My company got into a contract with XXXX for credit card Merchant Processing the provider is a registered ISO/MSP of Citizens Bank. In XX/XX/XXXX I got my monthly charge for the transactions done for the month of XX/XX/XXXX. I noticed my charges where significantly higher than usual and more than what my contract states they should be. I called the XXXX. I finally go hold of someone and I asked why there was such a huge percentage discrepancy in fee charge. He told me that there was a XXXX dollar annual fee. I told him I was never told this plus it wasn't in my contract. He told me they only charge this once a year. This the second year in a row that this happens and I have to contact your Bureau to correct this. This doesn't follow the contract nor what I was told in the emails by the sales person. They are breaking the contract deal. This is unethical! I not only want this bogus annual charge of XXXX to be reversed but I would like a full audit of my account done from the time it was open. I believe they are not following the terms of the contract. I have the contract in PDF in three pieces so I could upload it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i requested a investigation into some accounts that's being reported by Experian, one came back verified balance at the time {$5700.00}, i then requested a re-investigation on XX/XX/2020 asking them to send me the method which they used to verify the account and they responded with update/verified. ON XX/XX/2020 i again asked for there method of verification and this time they didn't respond at all it's been about 40 days since that request.
Product: Checking or savings account

On XXXX XXXX I paid a total of {$200.00} to XXXX, a shipping company in North Carolina that was supposed to deliver my packages back to my home in XXXX. I was using the company to ship my belongings back home from XXXX and while most of my packages made it back 2 of the 5 did not arrive. Those two packages contained cards, my ID, and shoes/clothing/accessories. I reached out to the company as soon as i noticed my packages hadnt been delivered and filed a claim i then filed a claim with my bank and was given a credit. Months later, on XXXX XXXX Chase unexpectedly took the credit back with NO explanation. After I called to speak with them and even told them there was still a claim open with the company because they could not find my package Chase still refused to give me my money back. XXXX even had someone come to my home and have me sign a paper stating that all my future packages would now have to be picked up at a XXXX location, which is a major inconvenience for me. This put my account into the negatives! I have been getting the run around from both Chase and XXXX. I want my money back and thats all. Please help!
Product: Checking or savings account

Tried to link my account to use the funds in it on today XX/XX/2017, and the bank Capital One is blocking my access to my money in the bank, I sent a message to the bank today, I tried to call them today, but the call did not go through to the telephone number provided.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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
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 XXXX 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 ilegally 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 XXXX  business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XX/XX/XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

I have asked US Bank to generate a payoff statement for a judgment they filed in XXXX on a credit card with the number XXXX XXXX XXXX XXXX. 

I have been trying for many weeks to complete the sale of two properties. The title company has been forced to delay the closing over and over because US Bank will not respond to repeated requests for the payoff statement ( that they need to add to the closing statement ). 

The title company is telling me that the buyer ( who has been very patient during all these delays ) does not want to continue extending the closing every two weeks and may cancel the contract rather than extend the sale date again. 

So I may lose the buyer that I have for the two properties. That poses a dire hardship for me. I asked the tenants in both properties to vacate in XXXX so the properties could be sold in XXXX. Because US Bank will not send the payoff statement to the title company, I have been forced to pay all expenses for these properties ( mortgage, condo dues, real estate taxes, utilities month by month while waiting for the bank to generate the statement. 

The matter is extremely simple : This credit card debt was included in a Chapter XXXX case filed XX/XX/XXXX. The debt was included in Schedule F ( the pot of money to be shared among the unsecured debtors ). 

The plan specified that I was to pay US Bank 24 quarterly payments of {$43.00} each. However, only 10 payments were made back in XXXX and XXXX. I think the bank is owed an additional 14 payments totaling {$600.00}. I am wanting US Bank to send the payoff amount to the title company so I can close on these properties this month. 

My bankruptcy attorney XXXX XXXX sent the Chapter XXXX plan to management staff in the bankruptcy division at US Bank. He included the Schedule F listing US Bank as an unsecured creditor. He also sent the coupon signed by US Bank in early XXXX indicating that the bank would agree accept its share of the " pot of money '' to be shared by unsecured creditors. 

I have to make some decisions about what to do with the properties if US Bank decides NOT to acknowledge the Chapter XXXX nor the coupon. I have had many, many conversations with bank staff but can not obtain a payoff statement. 

Please reach out to the legal counsel at US Bank and ask an attorney there to help on this matter. 

I also need guidance on how to get some reimbursement.for my losses. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have contacted ChexSystems numerous times via mail and phone requesting a pin is sent to my address. I have updated my current address with the company each time I have spoken with them. I have been attempting to receive a copy of my report for the last six months and every time I call they continue to verify the wrong address and refuse to acknowledge any previous requests or correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several time to get my personal information updated so that it's accurate with no success. All I get is letters saying that they had a " suspicious request, '' even though I included my drivers license and proof of address ( same ones I've included on this complaint ). Please have them add, remove, or replace all information to match what's listed below : My current and only address is : XXXX XXXX XXXX Ct, XXXX, IN, XXXX ( Any other addresses are not deliverable to me by the U.S. post office. ) My ONLY and ACCURATE name is : XXXX XXXX XXXX ( Any other spelling of my name or alias MUST be deleted ) My only and correct date of birth is : XX/XX/1980 Please update/add my only employer to : XXXX XXXX XXXX XXXX My only phone number is : ( XXXX ) XXXX Please remove all the other addresses, names, aliases, birthdates, and employers ; except the ones listed above. Outdated information is not reportable as per the FCRA, since it is inaccurate. 

In addition, there has been a consumer statement added to my credit reports without my consent indicating a fraud alert. I would like that removed immediately.
Product: Mortgage

I have made XXXX on time payments to my mortgage provider. XXXX time they claimed they never received the check and the other time they received it ( bank confirmed cashed ) and they claimed it had insufficient funds which it had ample funds to cover the check
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute from Equifax is inaccurate they have not investigated I have a freeze throughout XXXX XXXX its frozen for security I was a victim in XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I have not seen anything that would indicate it mine they wouldnt give me but a few options when disputing Can they prove it was me by a photo ID I want to see my Original Contract with my signature.Eqifax information is from their data center and does not prove it was me just because its been fraudulently placed by anyone with out seeing original contract with my signature on itXXXX XXXX XXXX XXXX to XXXX XXXX XXXX Ak XXXX in a remote location for dates as account was open
Product: Consumer Loan

Southeast Toyota Finance has been contacting me about a deceased friend 's account and presumed debt. They had a representative hand deliver a letter to the former address of the deceased and I allowed the rep to photo copy his death certificate which was given to me as friend/informant since there are no living relatives. The rep told me that I would no longer be contacted. Two weeks later, I keep getting calls which I do not answer from SETF. I have asked them to stop. As a matter of fact, they never leave an extension number. So I will assume this is fraudulent activity. The deceased was XXXX years old. The deceased friend left no estate and I am not an executor as such. I never signed a lease or a contract with this company.