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

I appreciate your time to REMOVE some of the incorrect items in my file that resulted from an alleged erroneous reporting but I still have ITEMS left that needed to be removed. This is my new complaint that I am a victim of erroneous reporting and I write to dispute these inquiries in my file resulting from the inaccurate reporting. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an alleged inaccurate reporting : XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

I received an emailed and phone notification from Bank of America that my XXXX   card must be reissued due to an ongoing fraud issue. I spoke with manager XXXX of Bank of America 's fraud department. He would not provide his last name or any further supervisory contact to resolve complaint within Bank of America.

I was demanding to know which merchants or activities had initiated the fraud investigation. XXXX said that is between XXXX  and BofA and is not something he can provide. I said that policy intentionally leaves consumers in the dark and does not allow consumers to know which organizations are protecting our data and where fraud is originating.
Product: Checking or savings account

PNC Bank has stopped connection to 3rd party websites to help with accounting services, XXXX for example. This has been an issue since XX/XX/XXXX.
Product: Checking or savings account

Our prior management never transferred control or signature authority of CapitalOne Business Savings Account # XXXX to any of the current management. We have no way to regain control of the account and our funds have been effectively stolen. I am the XXXX XXXX XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX. 

I am empowered by our Board of Directors to gain administrative access to all of our financial accounts and records. I have access to the prior Controller/CFO 's email address which sends me notice that a statement is available for our corporation 's bank account. However, I have no way to gain access to the account or statements. I have called customer service and was escalated to a supervisor who said that they had no process to transfer control of the account without the participation of the retired signees on the account.
Product: Credit card or prepaid card

I closed my credit card account, over the phone, on XX/XX/2020. I had a credit balance on my account of {$290.00}. 
When I had not received a check for the balance within the 7-14 days, I wrote to AT & T Universal Card/Citibank on XX/XX/2020 and requested reimbursement of my credit balance in the amount of {$290.00}. 
When I had not received my credit balance a month later, I again wrote to AT & T Universal Card/Citibank on XX/XX/2020 requesting my credit balance. 
On or about XX/XX/2020 I received the attached statement showing I had {$0.00} balance due and on XX/XX/XXXX : Stop Pay Reapply CK # XXXX. The statement also shows on XX/XX/XXXX : CREDIT REFUND AS REQUESTED. 
On XX/XX/2020 I received a letter from Citi thanking me for contacting their Customer Service Team. I do not know which instance, phone or mailed letter, they are referring to, but I am clearly getting mail from Citi yet I still have not received my check. 

All documents referenced above are attached in a single PDF file in reverse chronological order.
Product: Credit reporting

Citicards mixed up my account with another XXXX XXXX living in Texas who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX 's letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for six months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX 's as opposed to the XXXX 's where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for six months now.
Product: Vehicle loan or lease

I purchased a XX/XX/XXXXXXXX XXXX  account # XXXX which was finance with XXXX XXXX XXXX XXXX XX/XX/XXXX. later in XX/XX/XXXX I signed over the title and took a settlement offer to payoff the loan in full to XXXX XXXX XXXX this loan had been paid off but XXXX is still reporting this loan as if its late and I still owe money I was told by XXXX   confirmation # XXXX. I owe this company no money and I received my title I later signed the title over to XXXX XXXX I had no interest in the loan nor the vehicle after I signed it over I received the title and paid this loan off in full and the XXXX XXXX   company was reporting as if I wasn't making my payments or if I was behind on payments I took a settlement offer. This needs a removal of the account off my credit report with XXXX  this information is outdated and incorrect and needs immediately attention of removal this Loan needs to be deleted off my credit report. I have mailed supporting documents to XXXX to support my request XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Debt collection

I disputed this account when it was reported on my credit report. I asked for validation of the account with the company. All I was given was the original creditors name. This company has been reporting to the credit bureaus monthly with payment updates or lack there of like I am in agreement with them to make payments. They have also recently updated the balance on the debt to include about another {$300.00} that I also do not owe. The company removed the balance and then updated the next month with the same balance that I disputed. I was not given a written notice that this debt was being collected upon or that the balance had even changed.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and distress regarding XXXX XXXX 's mishandling of fraudulent charges, which has negatively impacted all three major credit bureaus : TransUnion, XXXX, and XXXX. Despite submitting a valid police report, a notarized letter, an FTC report, and my identity documents, XXXX has reinserted the erroneous account without providing any proof of my liability. This egregious violation is causing severe financial and personal harm. 

I respectfully request your immediate intervention to initiate a comprehensive investigation and ensure a fair resolution to alleviate the ongoing hardship. TransUnion, XXXX, and XXXX continue to claim the account has been verified, just three days after I submitted a formal dispute. However, they have failed to provide any documentation, including the original signed consumer contract, which is required by federal law under 15 U.S.C. 1681. 

Moreover, XXXXXXXX XXXX  has refused to adjust the balance and correct the inaccuracies in my credit report, asserting that I was using the card and making payments at the same time these fraudulent charges were being made. Unbeknownst to me, someone had gained access to my account information and was making unauthorized charges. Due to the relatively small size of these fraudulent transactions compared to my total balance, they were overlooked at the time. I firmly believe these charges are fraudulent, as evidenced by the police report I submitted.
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 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX XXXX, and 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I deposited my payroll check into my account on Friday XXXX/XXXX/16. They released {$200.00} and placed a hold on the rest until XXXX/XXXX/16. I called and asked if they could speed up the process. I have bills to pay and they flat out said no. They said I had too many overdrafts. I said I was n't even signed up for overdraft. They made a huge excuse that the government made changes to protect me and what not. I got paid on XXXX/XXXX/16 again and it was placed on hold yet again for another two weeks. I can not believe this. I 'm falling behind on everything and it 's my payroll check not a personal check. I need my money now. I have XXXX and I need to buy diapers and food.
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX  {$690.00} XX/XX/XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX XX/XX/XXXX {$4900.00}
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

I do not know this AD ASTRA RECOVERY SERVICE but they are requesting for me to send them {$610.00}. Lasted reported to my credit report XXXX XXXX.
Product: Credit reporting

After reviewing my Equifax credit report I see they are reporting a satisfied judgement with an open balance. I contacted them and they stated that the judgement is shown as satisfied but they have not changed the balance to XXXX to reflect the judgement was paid. XXXX is reporting it correctly and XXXX has stated they will be updating their report to indicate the judgement was satisfied in full and no balance should be indicated in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovery, New information. 
I recently disputed a chapter XXXX bk from XXXX, Al.2015 as fraud. Because I was advised by the courts this was not going to report yo my 3 credit bureaus. The bankruptcy courts has advised me they did not report and to reach out to Experian and XXXX XXXX to resolve. 

Enclosed you will find information from US Bankruptcy Court Northen District of  Alabama. 
1. Inaccuracies Documentation shows Attorney XXXX XXXX XXXX filed incorrect paperwork to the courts. It was not received in 14 days .The judge dismissed my case. See attached. 
2 .Order of dismissal Judge dismissed the case hearing will not be heard. And all my attorney fees were reimbursed. Please read attached.

3. Due to inaccuracies Judge dismissed the case.

4. Yes, XXXX XXXX verified that a bankruptcy was filed with my ss # and name. But do to a Notice of Deficient filing or Incorrect Event. Case was dismissed and automobile was surrender to US Automotive.
Product: Student loan

I found out from a letter sent to me for collection of a debt by XXXX XXXX XXXX in the amount of {$18000.00} on behalf of XXXX XXXX XXXX XXXX for a student loan I never authorized or knew about made by XXXX XXXX XXXX. If ANY Personal loan was taken or entered into by XXXX XXXX on my behalf I did not authorize the loan, was not aware of ANY loan or told about such a transaction and it would be fraudulent and WITHOUT my consent, I need am trying to get this loan removed or discharged and have not recieved response from XXXX. I have disputed this fraudulent loan with XXXX, I have filed a police report with our local Police Dept for identity theft. Please help me to get this fraudulent account closed and removed from my credit report. I can send a copy of the police report and letters sent to the collection agency and XXXX if needed. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Am an ID theft victim, unknown since Covid. I filed police report, filled out id theft affidavid for IRS. Lost all myt savings almost went broke bc XXXX XXXX  and trying to get XXXX. I have not had credit and only have my car payment which i have never been late. I am XXXX  american and deserve to have credit like everyone else affords. I have the governement form that I sent to XXXX XXXX  to get a personal loan to recover from id theft and gave XXXX XXXX the paperwork to fill out. They did nothing.
Product: Credit reporting

I have a student loan which was submitted to the student loan forgiveness program which was approved based on the fact the school was audited and teachers were not certified, falsified student attendance records. Also had another loan where they owed me a refund but refuse to pay I escalated the case and was approved. Experian did investigation and first reported it was transferred to another lender. Now thy reported transferred to the government permanently. I requested it be removed as its no longer valid debt. I also had a tax lien which was released which I also requested to be removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to an adequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; Account name : XXXXXXXX XXXX XXXXXXXX XXXX, # 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 an 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 or 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.

I have never missed a payment with this alleged creditor and it states that the 5 ( five ) payments reflecting a collection stemmed from them " not being able to locate the consumer '', however, I have been at the same address since 1998 with no other residences or domiciles. They continued payment after this alleged misplacement and were collecting without dishonor beforehand. There is no justifiable reason that they lost my place of residence to deliver/receive payment, and this inaccurate reporting has damaged my credit report and potential lending. Please resolve.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.
Product: Credit card

I have a new account with Venmo. I have made my payments in XXXX of {$150.00}, {$200.00}, and {$500.00} dollars because I have been using my venmo card and I was paying down the balance. I have used my checking account to make these payments and all payments minus the {$500.00} payment has directly went to my card. I made the {$500.00} payment on XX/XX/XXXX and it still has not shown as credit on my card, which means I am still paying interest on items that I should have paid off. It also means that on the XXXX the payment cleared my checking account so they have gotten the full amount but still have refused to apply it to my credit card. When I called Venmo they said they can't do a thing. I asked to speak to a manager and they put me on a 45 minute hold until I finally gave up. I have written to them and asked them to release my money to my account and they said I only deposited {$300.00} dollars and it was released, when my banking account and my credit card account both show {$500.00} payment. I have tried multiple times to have them release my money onto the credit card account they refuse to.
Product: Debt collection

I have been receiving a number of calls this month ( XX/XX/2020 ) from Chase Bank, but decided to ignore them until today as they are coming in with a such frequency as to harass and annoy me. The calls are being made with automated pre-recorded messages as well. 

Today XX/XX/2020 a call came at XXXX XXXX trying to solicit me lower interest rates on my cell phone number XXXX. Eventually a person came on the phone and I told them to stop calling me. The Represenative on a recorded line said What the XXXX? And I hung up on them. 

No lawsuits have been filed as of this time. Please see attached demand letter and prior documentation regarding this matter. I am requesting that Chase Bank communicate regarding this entire matter in writing please only no phone calls.
Product: Credit reporting or other personal consumer reports

I had a identity breach in my business account with XXXX. And I'm finding more things reporting on my credit that are not my debt. For example : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) For the amount of {$71000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX  ) For the amount of {$5600.00}. 

XXXX XXXX  XXXX XXXX, GA XXXX Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX For the amount of {$4000.00} As well as hard inquiries from different companies like. 

XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX