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

This happens with my checking accounts at CAPITAL ONE XXXX weeks ago I received a wire transfer from my business partner in real estate regarding a house flipping {$60000.00} and {$50000.00} Then I made few transfer and cash withdrawals in between my business account and checking account Then I did a wire transfer out to a titled company Next thing I got an email from consumer protection saying I have to give them a call regarding a suspicious activity in my account I ignored the email think it was a spam The next day my account was restricted and the wire transfer I did to the title company was returned Now I have {$100000.00} tied up in my capital one checking accounts Then I got an email saying my account XXXX be closed and I will recieve a check after the review I then decided to call they told me my account has been closed and is under pending review This all happened on XX/XX/XXXX Then they told me to go to my CAPITAL ONE branch in person I did and they supervisor called their customer protection service then they ask for the number of the person that did the transfer I gave it to them they verified the number They also asked me to tell the person that sent the wire transfer to send them proof that she is the XXXX that sent the transfer My business partner told her bank thats Td bank to fax the wire transmission log to my branch and proof it is her that did the wire transfer They faxed all this info last week Now i called today they told me that my account is closed but the review/investigation is still pending for over 11 days now I have no money to take on project to foot my bills It has being pending since XX/XX/XXXX they confirmed today that my account is closed through a call Now send me a closed out check to my address on file they are telling me theres is still an investigation or review So now XXXX reaching out to you guys to help me solve this problem ( I WANT MY BALANCE IN MY CHECKING ACCOUNT SENT TO ME STOP HOLDING MY MONEY PLEASE ) Below in the image my the status of my account before it was closed and the wire transmission log and proof that my business partner sent me the wire transfer and other images
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX XXXX # XXXX Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account XXXX XXXX Late XX/XX/XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; You reported transactions on my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

69 The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported on my credit file Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more XXXX XXXX XXXX ( a )
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX XXXX, I'VE RECENTLY NOTICED SOME UNAUTHORIZED INQUITIES ON MY REPORT & ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS, AND ILL LIKE TO THE ACCOUNT REMOVED IMMEDIATELY FROM MY REPORT!
Product: Credit reporting or other personal consumer reports

I want to clarify that the name associated with this account is not mine, and I do not have any XXXX  loans under my name. 

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

On XX/XX/2023, a fraudulent hard inquiry was pulled on my credit report with Transunion. I did NOT authorize this credit inquiry or hard pull of my credit report by a XXXX XXXX XXXX called XXXX. I called Transunion and tried to explain to the fraud department that this hard pull was fraudulent and not authorized. The person I spoke to at the fraud dept was not helpful or professional at all. The person barely spoke any English. Refused to file a fraud claim on my behalf. 

NOTE : I called XXXX myself to report this as a fraudulent hard credit inquiry. Their credit dept refused to assist and directed me to call the fraud dept at Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

LVNV XXXX SC XXXX boughht a credit card dbt that is out of statutes and list on credit records as if it was current. It list the accrued interest as a current principal balance. It states a card was opened in the amount odf {$3600.00} and no such amount was ever contracted. Presently, it reports a present balance of {$4400.00}. This is inaccurate and unfair credit reporting and collection tactics.
Product: Checking or savings account

On XX/XX/2022 I recieved a text message from BOA asking if I had approved a transaction at XXXX. I texted back no and I got a response of someone will be in contact. I missed the call 10min later so I called the number ( BOA on caller ID ) back. It was the BOA hotline number so I decided to hang up and take care of this after work. About 5 min later I got another call from same BOA number and I answered it as I had verified the number was in fact BOA. On this call I was told there was a lady named XXXX who was trying to transfer money with my XXXX from my savings account. This guy walked me through how to secure my XXXX with a new number and then we did some transfers of {$1800.00} ; {$1300.00} ; and {$400.00}. I recieved texts from BOA with codes and I did not share those codes with him but he still could walk me through EVERY step. The next day he called back ( as he said he would ) and he said we now had to transfer those funds back and gave me another XXXX number. I stopped recieving texts from BOA at this point and he got wierd. He said he would call back a XXXX day. He never called. At this point I called BOA ( XXXX. XXXX, XXXX  ) and talked to a XXXX. I asked " How do I know that this guy was actually with BOA? '' She said she saw an employee number attached to my account as having talked to me andso I had in fact spoke with some one from BOA. The only thing she saw wierd was I had a notice to go to a banking center with 2 forms of photo ID. I went the next business day ( Monday XXXX XXXX ). At this point the lady at the banking center called teh fraud line and we filed a complaint. We opened a new savings account and I was told I would get my money back as this was " clearly a disgruntled ex employee who knows how to hack. '' I was denied my claim 10days later. I called the fraud line again and the lady that time said " you need a scam claim not fraud '' so we refiled my claim. She said she saw the money was sent to a XXXX bank and they would work to get money from XXXX Bank. This scam claim from BOA was denied as well and we recieved another letter stating XXXX bank also denied giving us the funds back. That was today XXXX XXXX, 2022.
Product: Checking or savings account

XXXX starting using XXXX in XXXX, I had gift cards on my account. I go to pay and it doesn't take my credit and charges me for purchases on an account that isn't mine. I dispute it and SoFi tells me they didn't an investigation and contacted them during that time, which I reached out to XXXX and that was not the case. SoFi has done nothing to reach out to XXXX and closed my dispute for whatever reason without doing their job properly.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX  Account Information Account Number : XXXX ( XXXX ), XXXX ( Experian ), XXXX ( XXXX ) High XXXX : {$4000.00} ( XXXX ), {$0.00} ( Experian ), {$2400.00} ( XXXX ) Last XXXX : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian, XXXX ) Balance XXXX : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) AccouXXXXt Rating : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( XXXX, Experian ), Account disputed ( XXXX ) Creditor XXXX : Miscellaneous Banks ( XXXX ), Bank Credit Cards XXXX Experian XXXX, All Banks ( XXXX ) Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( XXXX ), Subscriber reports dispute resolved - consumer disagrees ( Experian ), Consumer disputes after resolution ( XXXX ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( XXXX, Experian ), -- ( XXXX ) Payment Frequency : XXXX ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : XXXX. High Balance : Different amounts reported by XXXX ( {$4000.00} ), Experian ( {$0.00} ), and XXXX ( {$2400.00} ). 
XXXX. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
XXXX. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
XXXX. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Flagstar Bank, and other banks it seems ( XXXX XXXX has similary policy that appears in XXXX search (, have a policy of requiring to be sent certified funds or through XXXX XXXX after 2 or more returned payments. They require it for 6 months. XXXX just enacted this policy for me after I missed 3 payments due to financial issue, and frankly negligence of becoming overly reliant on automatic transfers. 

This practice imposes a severe hardship on consumers in XXXX, where virtually everything is electronic. Going to a bank or XXXX XXXX is not feasible for many, and not practical for anyone. It increases the risk consumers will default on their loans by in fact making it more difficult to pay. More importantly, the legal contract for the mortgage does not allow this a remedy. They have a remedies for returned funds : charge late fees, and/or foreclose. Both of those remedies are spelled in the promissory note, requiring payment in certified funds or through XXXX XXXX is not. 

For individuals, living in rural XXXX, there may be no bank or XXXX XXXX within hours. However, they may have XXXX or other cash transfer apps, or the internet where cash is transferred everyday. For XXXX ( and other banks ) to limit the vast array of payment options when consumers are struggling is wrong, and I'm concerned illegal which is why I'm filing this complaint. 

I was informed today XX/XX/XXXX of this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts and XXXX addresses listed on my credit that I don't recognize or it doesn't belong to me. Can you please kindly remove it? Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX  XXXX XXXX XXXX Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq., I demand an immediate investigation and removal of this erroneous account within XXXX ( XXXX ) days, or I will pursue legal damages under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance. 
Inaccuracies and Violations : Charge-Off Status and Balance Discrepancy The account is reported as " charged off '' with a balance of {$3700.00} while also showing " {$3700.00} written off. '' This is contradictory and violates XXXX XXXX. XXXX ( b ), which requires credit bureaus to maintain maximum possible accuracy. 
Incorrect Payment History The report reflects ongoing charge-offs in XXXX and XXXX despite the account status being closed in XXXX. Reporting charge-offs post-closure is inaccurate and misleading. 
Unverified Ownership and Account Closure Reason The comments state that the " Account closed at credit grantor 's request. '' However, no proof has been provided that XXXX XXXX XXXX had the right to continue reporting past the account closure date. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under XXXX XXXX. XXXX ( a ), I demand the immediate deletion of this erroneous account. 
Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting

The information falsely submitted by the establishment XXXX XXXX. This information has been detrimental to me and my family. This information was submitted fraudulently and without proper inspection. Supporting information can be found in news archives, about their fraudulent activity.
Product: Debt collection

I have attempted to call the debtor to no success to tell them this debt is not mine. Now I need this debt validation for additional records
Product: Vehicle loan or lease

On XXXX XXXX I mailed the next 9 car payments to Honda Financial Services, XXXX XXXX XXXX, XXXX, XXXX XXXX telephone number XXXX. On XXXX XX/XX/2023 they claimed they never received these payments. I did a stop payment on all 9 payments and mailed them 9 new payments VIA the US Postal Services on XXXX XX/XX/2023 VIA certified mail with signatures required. On XXXX XX/XX/2023 they tried to process the 9 payments dated XXXX XX/XX/2023 ( stop payments already made ). On XXXX XX/XX/2023 they signed for the certified letter containing the next 9 payments. On XXXX XX/XX/2023 they telephoned me asking why I had not made the XXXX payment ( they had the XXXX payment plus the next 8 payments in their office since XXXX XX/XX/2023 ). It took them over 30 minutes to locate these payments and they can't tell me when they are actually going to post these payments. I have excellent credit and I will not allow Honda Financial Services to mess up my credit because they are not processing my car payments in a timely manner. I will NEVER buy another Honda car. They have the worse customer service that I have ever seen, and they do not post your payments for more than a week after they receive them. It appears that they are trying to make their customers have bad credit by not processing payments in a timely manner when they receive them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$580.00} XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred to XXXX XXXX XXXX a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying XXXX XXXX XXXX was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called XXXX to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The XXXX online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXXIN THE AMOUNT OF {$620.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON SSDI SO MY INCOME IS FEDERALLY PROTECTED.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$14000.00} XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXXXX/XX/XXXX
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 XXXX XXXX XXXX. 

Account 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 

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.