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

Account number XXXX Charged {$8.00} for a check withdrawal. This account does not have a fee per the banks fee schedule
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said that the system change my credit scores on it own but I was told by the mortgage lender since another mortgage lender just check my credit report on the same day XX/XX/2018 it wouldnt take no more points for. I had a month after the first lender. Both was done on the same day I lost 1314 points.Experian said they have no control of this but I didnt lose points like this with the other bureau. Then they remove XXXX XXXX that was in my bankruptcy made me lose points because when I call XXXX and ask why did they do that they said they didnt because its against the law since I was in bankruptcy. Experian said nothing they can do about it now because they cant see it on my credit report anymore.Last experian have about 5 credit cards that was in my bankruptcy that they are showing late payments I am out of bankruptcy and all that was in my bankruptcy supposed to be showing XXXX balance and no late history but experian said they will investigate this but this information is on my credit report that all those credit cards was in bankruptcy. What are they investigating? Out of the three I am only having these issues with experian and when I file a dispute it get worst. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Lexus on XX/XX/2020, about bankruptcy that was reporting on credit accounts. The source of information was reported by Lexus Nexis I received a reference number from Lexus Nexis after contacting them-ref : XXXX. The 30 days passed that I was informed that they would investigate and sent me results in the mail. I contacted Lexus Nexis again on XX/XX/XXXX the I was informed their investigation was complete over the phone. I requested information to be sent to my address I never received follow up information. On XX/XX/2020, I requested a method of verification I was told I would receive information in the mail 30 days later they gave me reference : # XXXX I never received the corresponding information. I would like to request the account in question that I'm disputing with Lexis Nexis bankruptcy # XXXX and bankruptcy # XXXX be removed from their database.
Product: Checking or savings account

On XX/XX/XXXX, I received my IRS tax refund to my XXXX  account, Saturday, XX/XX/XXXX. I went out to do some shopping and my card got declined then I got an email saying that my XXXX  account had been frozen due to violating the terms and conditions of XXXX. I called the customer service number and they said that they do not deal with that over the phone that you have to go through email for frozen accounts with their support account specialist per the email. They had asked that I send a copy of my bank statement with my address and banking information, and a selfie holding my ID which I did and they said they received. This morning at XXXX XXXX  I got an email from XXXX XXXX at XXXX that my account had been unfrozen and that I was able to use it again. Then around XXXX XXXX XXXX XXXX I received another email from XXXX stating that my account was being deactivated and I would have to wait 180 days for my funds. Ive contacted XXXX  since then and they just sent me another email stating that my account has been closed and they will be keeping the funds for up to 180 days and theres nothing anyone can do about it through the customer service phone number.
Product: Debt collection

There is a collections account on my credit report by XXXX XXXX XXXX ( Debt Buyer ). I do not recognize the account, there is no correlating account from Capitol One on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed. 
6. Please confirm the date the statute of limitations expired.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX XXXX XXXX I received an alert from my Chime Mobile app that a pay anyone transfer for {$500.00} has been initiated to an unknown person. I immediately disputed the transaction and filed a police report and within 24 hours was told my dispute was denied. I again disputed this transaction and within 30 minutes it was again denied. This happened two more times and I don't know what else I can do
Product: Checking or savings account

I have been paying for services from XXXX XXXX since Friday, XX/XX/XXXX of XXXX. I called today at XXXX as there was an overcharge on my account. Nobody answered so I left a voice message. Later at XXXX XXXX, I received a call back and was told that they " had to do a lot of digging '' to find out why. I pay {$10.00} a month for services and I was made aware through a phone call today that I have been getting charged an additional {$30.00} every month beginning on XX/XX/XXXX through XX/XX/XXXX with a total amount of {$800.00}, for not completing their PCI Questionnaire. My complaint is due to not properly being notified of the fee nor how to fix it. I never received this questionnaire, never got any type of phone call or even mailer regarding this. I was told that there were a few emails sent of which I assume may have gone into my spam folder if they in fact were sent, but I did not even know this questionnaire existed until today. I asked what my options were to the representative that told me of this fee over the phone and although he was very kind, he told me that I could email client services to cancel my account but that they will not be giving a refund. Took less than 5 minutes over the phone with me and didn't even try to give any kind of explanation or make things right. I sent an email to XXXX to try to get some kind of refund as I was not made aware of the extra fee or the necessary steps to cancel my account and XXXX XXXX, a client service specialist replied the following : " Hello, Thank you for the email the account has now been closed. 
Thank you! '' There was a complete lack of effort to give any kind of explanation or support for what happened both over the phone and through email. The total amount taken from every month for the past 25 months equals out to {$800.00}. If this questionnaire was so important as to charge triple the amount of what I pay for in monthly services, I would expect for someone to at least give me a phone call. This company showed they cared more about money than their loyal customers of years and completed avoided talking about the hidden fee. Never had anything negative to say until this point. So disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM, IT MAY CONCERN, I HAD A BALANCE OF {$400.00} WITH GRAIN TECHNOLOGY, LOCATED AT :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PAID THE ENTIRE BALANCE OF {$400.00}. MY BALANCE IS NOW {$0.00}. I'VE ASKED THE COMPANY MANY TIMES TO UPDATE THE BALANCE TO {$0.00}. THIS IS DOING MORE DAMAGE TO MY CREDIT WITH THIS COMPANY REPORTING AN INACCURATE BALANCE.
Product: Checking or savings account

This is regarding BNY Mellon who holds Medicare XXXX XXXX funds for XXXX XXXX XXXX and issues monthly refund checks. The bank has made changing a mailing address extraordinarily difficult. I spoke with two representatives who told me that I could not change a mailing address unless I opened an online account, however, at the same phone number, XXXX, there is a recorded option that gives instruction for changing an address by mail. On XX/XX/XXXX, I sent a letter with all the included items listed on the recording to the exact address on the recording from the post office at zip code XXXX. The address change has not been made. I have tried to follow up on this address change, and called the phone number above today, XX/XX/XXXX. I chose option XXXX to speak to an agent and was hung up on. 

This is not the first terrible experience with this bank and changing of address and changing from mailed checks to direct deposit. All I ask is that my mailing address be changed as per the letter sent on XX/XX/XXXX and that a confirmation of this address change be sent to me promptly. I am moving and do not want anyone else receiving my banking information at BNY Mellon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair the items from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 item of information contained in my file at Experian 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. Please correct the misleading information on these accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are violating my rights under the Fair Credit Reporting Act. Equifax and XXXX are reporting adverse items on my XXXXXXXX XXXX XXXXXXXX account without my permission which is a direct violation of 15 USC 1681 C ( a ) ( 5 ) which states Except as authorized under subsection ( b ), 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. Equifax and XXXX are reporting late days on my credit report for this account. This reporting is clearly adverse and being reported without my permission, which is against the law. Equifax and XXXX are also reporting a charge off which according to the IRS publication 4681, a charge off is considered income and may not be reported as debt. The account has been charged off as witnessed by the report. 15 U.S. Code 1681 ( e ) states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax and XXXX do not maintain reasonable procedures. 
Any and all consent to Equifax, XXXX and XXXX XXXX XXXX , whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 U.S.C. 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX & XXXX never informed me of my right to exercise my nondisclosure option. 
According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer, Equifax and XXXX are the reporting agency and I have the right to make sure that my private information isnt shared and is backed by 15 USC 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution, by definition, under that title. 15 USC 1681 section 604 ( a ) section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX , the financial institution, Equifax and XXXX, the consumer reporting agency, DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. 
12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services for this account.
Product: Credit reporting or other personal consumer reports

I am a XXXX  and have been since XX/XX/XXXX. On my credit report Ed Financial my student loan servicer reported I missed payments XXXX, XXXX and XX/XX/XXXX. This is inaccurate as I am in school deferment. I call Ed Financial and XXXX multiple times. I was assured the error would be resolved. However, an update to years old dispute was made to my report but not my existing dispute. The errors still remain on my report, managers from XXXX don't call me back. 
At this point, my job is being affected as XXXX XXXX denied me a corporate card and I can't travel without it. My job is on the line and I'm in the process of taking additional legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX on XX/XX/XXXX Aqua finance on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Customer service was unable to help me remove these fraudulent inquiries on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, my wife ( XXXX XXXX ) and I purchased a couch from XXXX XXXX using their same as cash off and we opened a CapitalOne card ending in XXXX. For the XX/XX/XXXX payment, our bank XXXX sent payment to CapitalOne in the amount of {$51.00} on XX/XX/XXXX, nine calendar days before the payment was due. The payment due date was XX/XX/XXXX. The payment was processed by CapitalOne on XX/XX/XXXX, eleven calendar days after the payment was sent. This event triggered a series of late payment and interest fees. Some of which were reversed. This event ( which should never occurred ) also triggered an increase to the monthly payment amount ( $ XXXX/per month was the agreed amount thru out the repayment of the same as cash offer ). This caused more late fees and more interest charges. I have been contesting and disputing all of the late payment fees and interest fees since XX/XX/XXXX. I subsequently paid the balance of the credit card bill off significantly early in XX/XX/XXXX. We closed the account. 

CapitalOne believes we owe them $ 600+ in interest and late payments on a credit card which was paid on-time each month and paid off before the term of the offer.
Product: Student loan

I was put on as a co-signer on a student loan for a XXXX XXXX using address XXXX XXXX XXXX XXXX CA XXXX. They have used my information XXXX times now, same person, same school ( XXXX XXXX XXXX XXXX  ) and same bank. First loan was removed as fraud {$31000.00} opened on XX/XX/2022. Now the second loan we are trying to get off my credit. They arent being helpful. 
Contact information for new loan is XXXX XXXX XXXXXXXX XXXX contact XXXX XXXX with XXXX XXXX XXXX XXXX. 
The loan was with Nelnet but now might have been sold to another company. 
I have my credit all frozen but the problem is they said they dont do credit checks with co-singers so they keep using my information as fraud.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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