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

XXXX XXXX Related to Acct ending in XXXX Claim or Reference # XXXX Consumer Financial Protection Bureau On XX/XX/XXXX I noticed some fraudulent transactions happening with my debit card and i called Chase immediately to report this issue, they immediately cancelled my card and issued me a new card. I was told that they will issue a temporary credit while they do investigations which they did and later came back in the end of XXXX and denied XXXX of the transactions because they insisted that the merchants involved provided accurate informations that the transactions was valid. I called Chase XXXX department and requested the merchants provided proof of valid transaction and a week later i received the documents from the bank and none of the transactions in question had my accurate billing information, I called back the bank and spoke to a fraud dept rep who went over the validity of this transactions XXXX after the other and upon establish that none of the transactions was valid due the billing/shipping informations provided, he told me that he will initiate an appeal for those transactions to be looked at, he told me it could take a month but they will get back to me. 
By XXXX of XXXX when I have not heard anything about the appeal I called the Customer service line and I was instructed to go into a branch and speak to a XXXX which I told the rep I will not risk exposure to XXXX when XXXX is still telling the public to keep observing the pandemic protocols. 
Today XX/XX/XXXX I called the fraud department again to restart this issue, at first she told me that all the transaction was permanently credited to my account because they determined that the merchants rebuttal to my claim was no sufficient enough, upon my disputing that I have received my money and iterating that she looks further, she realize that her initial judgement was not the case so she went ahead and created a new claim for the transactions in question. The Reference # for the current claim is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXXXXXX account numbers XXXX, XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX Account Number XXXX XXXX XXXX  Account 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 States that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX {$14000.00} Still On My Credit Report And TransUnion Claiming That The Account Is Verified But They Never Showed Me Proof Of Verification Because This Fraudulent InformationDo n't Belong To Me Iam Very Disappointed With The Way TransUnion Has Been Handling My Report I demand to see Verifiable Proof As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that TransUnion remove them immediately : Account Name : XXXX XXXX XXXX Account number XXXX {$14000.00} Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed. 


Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXX XXXX  XXXX  on my Equifax report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX  about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX  and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX  conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my Equifax inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. EQUIFAX The remainder of these inquires are mine. 

XXXX  : This bureau was contacted as well about the inquires and was told verified XXXX XXXX  XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report XXXX  : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX  XXXX  : I've contacted XXXX  XXXX  in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX  XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but experian is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting late on my TRANSUNION report. I have disputed this information with TRANSUNION and XXXX XXXX. Both have sent me a letter with little information as to why, letters have just stated that this information is valid and it will remain on my credit file. As to FCRA law UNDER 15 USC 1681 ( A ) ( 6 ) ( B ) ( III ) I am entitled to receive written validity of this 'late payment reported ' - I am requesting validity and accuracy of this investigation in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised due to the XXXX XXXX XXXX on XX/XX/2021. 

On XXXX, XXXX, XXXX, Identity Protection service informed me that Wells Fargo used my personal information to request and receive access to my credit report and score. 

Nonetheless, I received a letter from Wells Fargo about an online application that I did not submit.
Product: Credit reporting or other personal consumer reports

im a XXXX  senior in shelter found fraud collections on report thru XXXX XXXX  and experian XXXX claim they dont see this im demanding investigation due to freeze on all bureaus no one should not been anyway way for someone to apply for anything in my name im paying XXXX credit cards was XXXX now im in collections from some company source XXXX XXXX XXXX acct no XXXX snapshot dont know what that is with XXXX contact them demanded investigation in writting to me as to how they got my info to open this account for XXXX contacted police fbi wo and anyone else you may suggest to me working on ss ofc oig oag ... this is unexceptable to go thru this im trying to move please help
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance {$9800.00} XXXX XXXX Original XXXX : XXXX XXXX  XXXX Balance {$2300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have an XXXX branded card through Synchrony bank. Four days ago my card was just over it's credit limit of {$1500.00} so I made a payment of {$1500.00}. Now the bank is saying because it was a large payment it is suspicious so they are going to wait a total of 9 days before actually reflecting the payment on my available balance. So the money is no longer in my checking account, but I can't use the credit card, so I can't buy necessary items. They are completely unwilling to make any exception. Their proposed solution in the future is to make multiple, smaller payments, spread out over several weeks. That sounds like a scam designed to generate more interest payments for them. 

I honestly feel like this is deliberate, predatory behavior.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, Experian dropped my credit score by XXXX XXXX on reporting from XXXX XXXX on an account balance paid in full and ahead of the scheduled due date. I had attained and maintained a perfect XXXX score. 

Since XXXX, I have held an XXXX XXXX ( XXXX ) XXXX XXXX. The balance is paid in full and ahead of the due date every month. The card has no spending limit. 

On XXXX XXXX, XXXX ( XXXX Customer Service ) confirmed I never had an outstanding or overdue balance. I was then transferred to XXXX ( XXXX XXXX XXXX XXXX ), who told me I needed to pay my balance ahead of the due date to avoid reporting to the credit agency. When I questioned her statement, I was told to contact XXXX Customer Service. After re-explaining to XXXX that customer service transferred me to the special credit team, I requested she initiate and stay online for a three-way call. 

The call was connected to XXXX. She stated that the special credit team handles any credit reporting issues. XXXX told XXXX to tell me when to pay my bill to avoid credit reporting. XXXX responded that it should be before the due date. This went on until I was directed to contact the credit reporting bureau as it was " their '' fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I tried to place a Security Freeze on my credit account on-line with Experian. Every time I tried to place the freeze on my account I received a message telling me that Experian could not process the freeze based on the info I provided and instructed me to send in a bunch of info, which is difficult since I am out of town. Using the same information provided to Experian I was able to easily get freezes on my accounts with XXXX and XXXX XXXX. 
Trying to contact Experian on-line is impossible as Experian does not give out any electronic address one can use to file a complaint or ask questions. 
Because of the XXXX XXXX breach that surfaced the other day, I am concerned that some of my information may have been compromised. That is the reason I wanted to freeze my account. 
I have tried to tell Experian I will hold Experian personally responsible for any damages I incur as a result of their dilatory action in placing a security freeze on my account. When calling Experian, the first question the computer asks is for ones SSN, which I am not comfortable giving out over an unsecured line.
Product: Vehicle loan or lease

The company sold the vehicle years ago and till this day, they are still reporting the account on my credit Even if I haven't had that vehicle in years, they are still harassing me and its illegal to still report a vehicle that you no longer have or have the rights to the vehicle
Product: Credit reporting or other personal consumer reports

The information provided on XXXX TransUnion and XXXX are all different, they do not all Have the same Correct information. When I have attempted to reach out to the bank to have this corrected they hang up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. 
Please review the following : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a collections account. There are late payments and a past due on this account. This is a violation. Please remove this inaccurate account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Checking or savings account

XXXX dollars was accidentally sent and once sent its the final payment and no process was in place for refund for transaction cancellation
Product: Credit reporting or other personal consumer reports

Ongoing issues with XXXX, we did not know our loan was transferred to XXXX XXXX and still have not received notice. Also, did not know our autopay was stopped, they claim delinquent funds however no evidence at my bank nor did receive any notification. 

We found out from a VA letter. XXXX claims they tried to call and send a letter however nothing showing on our electronic correspondence or physical mail. They finally XXXX XXXX us a letter and included letter of late payment, however do not believe they really mailed it and possible made it up when we complained. They only responded after compaining to multiple agencies. 

XXXX is trying to close our complaints stating it is resolved, but it is NOT. We still need notice of transfer and also our credit report corrected. 

We can not reach a real person to help and still have many issues with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

So tell me this since you receive the last dispute via US mail with photo ID and current copy of utility bill and you still state that you didnt believe me that was me sending in the dispute what makes To believe that this time it is me if I send them again? But I tell you what you going to do is when you respond to this complaint via the CFPB you might as well send Security questions thats on the credit report and only XXXX  would know in this response and thats how you and I are going to conduct business or else you are going to confess to failure to conduct a proper investigation their is already CFPB complaint that you have lied claiming I needed to send in Government issued ID along with a utility bill or whatever I got XXXX and at this point you might as well say that you were compelled you to conduct a proper investigation is what its going to be but again during your response here is what I want you to do is send a list of security questions that only guy in you will know about in the credit file case closed bogus stall tactic that youre using
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a credit card account from Bank of America on my credit report with an address that I do not now nor have ever lived at. I filed a complaint with XXXX report number XXXX on XX/XX/2022. Bank of Americas response was that they were reporting accurate information, which is absurd since the address on the account is in Massachusetts and I live in Ohio. I filed another complaint through XXXX report XXXX XXXX on XX/XX/2022 and received the same result. On XX/XX/2022, I called Bank of America directly and after being on hold for an inordinate amount of time, spoke to a representative who had no clue how to resolve this and ultimately cut me off the phone line. I did not open this account and I have never lived in Massachusetts and there is no reason that this account remains on my credit report other than the incompetence of Bank of America. I would appreciate any assistance you can give me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my disputes but no response on them. My inquire dispute and Collections. 

Can someone please help me?
Product: Debt collection

I was on another call when this company tried to call. They left no voice mail which is a clear indication of an unwanted solicitation style robo call. I called it back. The name wasn't clear based on the heavy accented automated system. The woman that answered clarified the name of the company. She said my number wasn't coming up in her system. I asked if she was a telemarketer. She said no and used a term that clearly identified it as a collection agency even though she tried to disguise it. I politely told her not to call me again and we ended the call. I have no idea who these people are, they don't send any written communication to you before they just start robo calling. I will block every single number they call me from until they send me something in writing to explain who they are and who they got my number from. I'm coming off of XXXX XXXX selling my info without ever obtaining my permission so I'm not privy to strange companies I've never heard of calling me. If they do have legitimate business with me then they should've contacted me via USPS. If their client doesn't have correct info then that's not my problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had another account dispute open, it was closed. All my accounts are update, as the rep explained to me. I received 2 different emails for each card saying they are working, for use. Today I tried to use one of the cards again decline, they man at the gas pump say let him try and decline. Call upgrade, they say all accounts are current, they see the decline, the cards are active. They need more time to fix the issue. I hold off on paying one of my accounts until they fix all my accounts. Right after they said they were fixed, I paidnthenlast account just to find out my still being declined for cards that are automatically paid.
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 USC 1681. 


Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

I am contacting you to formally request the removal of several unauthorized accounts and inquiries from my credit report due to a recent data breach affecting my personal information. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and deleted from my credit report. Below, I have provided details on each account and inquiry that requires immediate action. 
Unauthorized Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX XXXX  - Account # XXXX - Opened : XXXX - Balance : {$5900.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$86.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$20000.00} XXXX. XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$420.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX - Opened : XXXX - Balance : {$740.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX CA - XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX of XXXX - XXXX Date : XXXX XXXX. XXXX XXXX - XXXX Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX  XXXX XXXX XXXX - XXXX Date : XXXX XXXX. XXXX  XXXX XXXX XXXX - XXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX XXXX Bank - XXXX Date : XXXX
Product: Debt collection

Select Portfolio Servicing has alleged that there is a contract between parities, within this complaint there is no contract. We have made multiple attemps to resolve this issue with the CFPB and other agencies and now have filed a lawsuit against XXXX, XXXX XXXX, Select Portfolio Servicing and all other banks involved. The CFPB stated that " We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to  identify questionable business practices that may lead to investigations and prosecutions ''. This is a great idea to bring about prosecutions using the RICO act, due to the continuous illegal tactics and communications to collect a debt that has been proven to be created by identity theft. SPS continues to re-send the same documents that have been proven to be forgeries. They also seemed to have created new documents, and alleged without varification to have a contract with the property owners, but when ask of the contract, they have not produced such contract and or have placed this situation to higher investigations. No affidavits, no witnesses, and no officer signs off on the the alleged documents wherein its just made up accounting and numbers, with no proof of a contract. They state that they are follwing the law, but make no mention of what laws they follow. It is assumed and believed that they SPS are a foriegn agency and are illegally attempting to collect fraudulent debts within the USA. Having an address or a location in the USA doesnt make you a company within the USA, they have simply just got or aquired a name and are attempting to sieze properties within the USA as outside agencies or fraudulent companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2019, I contacted XXXX  credit agency as well as TransUnion to remove the old accounts that XXXX XXXX, XXXX, and XXXX XXXX XXXX is claiming that my info is still valid. All these accounts were opened more than 7-10 years ago and they should have been removed from the time they were first opened. XXXX, TransUnion, and XXXX  must remove old accounts that have run their legal statute of limitations and they can not keep this derogatory information on my credit report forever and damage my credit score! I can not move forward with my life and get new credit because of their false and detrimental reporting. Please help me in removing these old accounts, please.