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

Today is XX/XX/XXXX, I check my credit report and I saw fraudulent accounts open on my name, please remove this accounts, i never apply for for any loans or credit card with this companies listed below XXXX  XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$28000.00} ^ Account Details DEROGATORY Account Type Credit Card Credit Type Revolving Opened On XXXX XXXX, XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$28000.00} Highest Balance {$28000.00} Credit Limit {$20000.00} Monthly Payment Account Credit Usage You are using {$28000.00} out of your {$20000.00} Credit Limit XXXX {$0.00} Credit Limit : {$20000.00} XXXX - XXXX Last updated XX/XX/XXXX Account Details Account Type Credit Type Opened On Closed On Ownership Current Balance Highest Balance Credit Limit Monthly Payment DEROGATORY Credit Card Revolving XX/XX/XXXX XX/XX/XXXX Individual {$12000.00} {$12000.00} {$500.00} XXXX  XXXX - XXXX Last updated XX/XX/XXXX Account Details Account Type Credit Type Opened On Closed On Ownership Current Balance Highest Balance Credit Limit Monthly Payment Balance {$3100.00} DEROGATORY Credit Card Revolving XX/XX/XXXX XX/XX/XXXX Individual {$3100.00} {$2600.00} {$2000.00} XXXX XXXX  XXXX XXXX Last updated XX/XX/XXXX Account Details OPEN Account Type Auto Lease Credit Type Installment Open Since XX/XX/XXXX Ownership Individual Current Balance {$35000.00} Highest Balance {$110000.00} Remaining Term 10 months Monthly Payment {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last updated XX/XX/XXXX Account Details DEROGATORY Account Type Auto Lease Credit Type Installment Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$21000.00} Highest Balance {$36000.00} Original Amount {$36000.00} Term 36 months Remaining Term 4 months Monthly Payment - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last updated XX/XX/XXXX Balance {$20000.00} Account Details DEROGATORY Account Type Auto Lease Credit Type Installment Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$20000.00} Highest Balance {$52000.00} Original Amount {$52000.00} Term 36 months Remaining Term 4 months Monthly Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft once more, and I'm requesting once more to have the data arising from that identity theft removed from my credit report. Credit Bureaus are obligated to remove any goods in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than 4 business days following the receipt. Additionally, I have my questions regarding the accuracy of some of the information provided on some topics because it is UNKNOWN to me and REMOVED from other agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was charged interest fee of {$26.00} and I always pay my credit card in full and also it is set as autopay. 
I tried to reach them and they told they can waive the fee, and also they know that was not my fault, so that doesnt make any sense for me. 
They said it was not my fault but they dont wan na give my money back. 
Id like the refund since I always paid my credit card in full.
Product: Vehicle loan or lease

I am an auto dealer that had a loan approval thru the finance company BHFC. I went and bought a car for a customer based on the loan approval from this finance company and when we sent it in for funding, after MANY recorded calls, XXXX from BHFC, declined the loan package after we sent it in for funding. His first response was, the customer was using multiple SSN 's,  then he said no, that was n't the case, he had had a recent repossession. I had in good faith sent the lending institution this application knowing my customer had credit issues. Our dealership is small and we do n't pull credit reports, so we rely our banks to do their due diligence to approve or deny credit. This lending institution gave both me the dealer and my customer a false credit approval, based on their own credit bureau pull and further more, changed their approval into a decline based on nothing anything other than a change of heart. Not cool, not okay. I realize nothing will be done today, We as a dealership will never do business, but please, look into their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DIST CT Account has reached statue of limitation cant be validated {$23000.00} XXXX XXXX XXXX XXXX Validate Account {$7000.00} Us Dept Ed Validate Account/ Different dates of last activity {$10000.00} XXXX Validate Account
Product: Debt collection

I am constantly getting calls about differ t amounts and what I need to pay or am required to pay depending on who I talk to.
Product: Checking or savings account

Since BMO Harris rolled out its new online banking system recently, the bank is deducting funds from my account for checks sent through / by BillPay days before the biller receives and deposits/cashes the checks. The three most recent examples are below. The biller in this case is XXXX XXXX XXXX. 

In addition, BMO Harris no longer includes a hyperlink next to the debit entry ( online banking ) so that I may be able to review a scanned copy of the cleared check received by the biller. 

Finally, the FAQ webpage of BMO Harris, in the BillPay section states that funds will not be deducted from my account until the check is cashed. However, this is fraudulent. 

Most recent examples : XX/XX/2019 {$300.00} ; not received/cashed/posted until XX/XX/2019. 

XX/XX/2019 {$300.00} ; not received/cashed/posted until XX/XX/2019. 

XX/XX/2019 {$2300.00} ; not yet received/cashed/posted as of XX/XX/2019.
Product: Debt collection

Citibank failed to protect my nonpublic information from non affiliated third party, they sold my nonpublic information to a debt collector ( XXXX XXXX ) who has been threatening/ harassing and gained unauthorized use to my records of information which resulted in substantial harm and inconvenience to me as a consumer. pursuant to 15 usc 6802 ( e ) ( 7 ) shall not prohibit the disclosure of nonpublic personal information in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of nonpublic personal information concerns of the consumers
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX  XXXX XXXX ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.|
Product: Credit reporting or other personal consumer reports

I disputed Central Portfolio Control and it came back as of XX/XX/year> That it meets requirement if the Fair Credit Reporting Act. Its also a lot of stuff that I figured that was supposed to been taking off my credit and it has not been taking off at all. I also keep calling these Credit Bureaus and letting them know that they my name is spelled wrong and its showing up on my credit account along addresses and numbers that do not even belong to me. This needs to be removed on my credit profile. These folks on here selling people accounts to third parties that they did not have permission to do so
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
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 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XX/XX/XXXX Opened : XX/XX/XXXX Balance Owed : {$540.00} - Collection XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The crediit reporting agency assumed I was disputing an account that was SHOWING on my consumer report. 

Which Im requesting an account SHOULD be reflecting on my consumer report that is XXXX Ive provided all proper documentation thats needed to update the account on my consumer report
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the outcome of my recent disputes regarding inaccuracies on my credit reports. The consumer reporting agencies ( CRAs ) have indicated that the creditors have " validated '' the accounts in question. However, I am submitting this letter along with proof of XXXX XXXX compliance violations, which highlight inconsistencies and inaccuracies that demonstrate these accounts could not have been properly validated.

Accounts in Question are attached to this complaint Inconsistent Reporting Across CRAs : The reported accounts contain inconsistencies in key data fields, such as the balance amount, date of first delinquency, or payment history. This is a clear violation of XXXX XXXX compliance, which mandates uniformity in the reporting of credit data under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Lack of Proper Validation : The FCRA obligates CRAs to conduct a reasonable investigation of disputed information. Given the attached evidence, it is evident that the investigation conducted was inadequate and failed to resolve discrepancies. 

Failure to Correct or Delete Inaccurate Information : Pursuant to FCRA 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, the CRA must correct or delete the information. The CRAs reliance solely on creditor validation without addressing the evident inconsistencies violates this provision. 

XXXX XXXX Data Reporting Standards : The XXXX XXXX format requires that data be accurately and consistently reported across CRAs. Attached, I have provided documentation showing that the accounts in question are non-compliant with these standards, which further calls into question their validity.

Applicable Laws Supporting My Claims FCRA 1681e ( b ) : CRAs are required to follow reasonable procedures to assure maximum possible accuracy in the consumers credit report. The inconsistencies and errors identified clearly violate this section.

FCRA 1681i ( a ) : When a consumer disputes information, the CRA must perform a reasonable reinvestigation. The lack of effort in resolving the discrepancies outlined herein suggests non-compliance with this requirement. 
Fair Debt Collection Practices Act ( FDCPA ) : If the creditors reporting these accounts are considered debt collectors, their failure to validate these accounts may also violate 15 U.S.C. 1692g, which requires validation of debt upon dispute.
Product: Checking or savings account

On XX/XX/2021, I received a debit card in the mail from Square. The card is issued by XXXX XXXX. I never created a business account with Square or XXXX XXXX  and neither company has telephone support to handle issues relating to fraud or identity theft. I've tried multiple times to access their support and am told that, because I'm not an account holder and don't have a " customer number '', I'm unable to get assistance. This is the third " XXXX XXXX  '' where an account has been opened in my name without my permission, probably using stolen information from the dark web. Every other bank or company has had live customer service people to talk to that have dealt with the issue quickly, but Square and XXXX XXXX  make this virtually impossible.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered an inquiry on my credit report that I did not authorize from XXXX  XXXX. There are 2. One was done on XX/XX/XXXX and the other was done on XX/XX/XXXX. I did not authorize either of these transactions.
Product: Checking or savings account

On XX/XX/XXXX, a check was deposited that made my business checking account go negative. On XX/XX/XXXX, I used my business checking debit card several times, but that evening I signed into my account around XXXX XXXX and transferred enough money to make the account positive ( covering both the check and the additional charges ) according to the balance shown on my screen. However, Umpqua Bank believes that I signed in on XX/XX/XXXX at XXXX in the XXXX, meaning the charges from XX/XX/XXXX were all subject to overdraft fees. I did not sign it at XXXX in the XXXX, as I was sleeping ( and have witnesses who can confirm ). In addition, I also would have transferred sufficient funds to cover my overdraft fees if I had seen those on my account, since when I signed in, I transferred the amount the bank was showing me, and thought my account was brought current. The next day, on XX/XX/XXXX, I used my business checking debit card again, and knowing my balance was very low and it was likely relying on overdraft protection, I again signed in later in the day and transferred an amount sufficient to bring my account current ( or so I thought ). No overdraft fees were shown from the use of my debit card. It was not until XX/XX/XXXX that I signed in and saw the overdraft fees listed for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These additional fees meant that according to the bank, my account was in the negative for days that I thought it was positive, and each instance of my use of my card during those times accrued another overdraft fee which did not show on my account for several days. If I had received an accurate account balance and if the bank had showed my overdraft fees at any time when I was signing in on XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX, I would have transferred enough money to bring the negative balance positive and avoided all of the additional charges. I contacted the Downtown XXXX XXXX of Umpqua Bank on XX/XX/XXXX and spoke to XXXX XXXX, who said that Umpqua Bank is not responsible for showing an accurate account balance via their online banking portal and that the bank would do nothing further nor refund these charges.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill for account SYNCB/LOWES ( opened XXXX. XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr Cooper reported my mortgage loan twice with the credit agencies. My loan number with Mr Cooper was XXXX and the loan has since been sold to another servicing agency, XXXX. My credit report currently shows two mortgage loans, one with Mr Cooper for {$610000.00} USD, WHICH IS INCORRECT, and one with XXXX, which is correct and should be the only mortgage loan on my credit report. I contacted Mr Cooper over the phone the operator refused to explain to me what the credit reporting error was and hence, she could not help me fix it.
Product: Checking or savings account

I opened 2 accounts with Chase Bank. I was persuaded by an offer sent to me from Chase by which I would get {$900.00} bonus for opening 2 accounts simultaneously. 
The offer was {$200.00} bonus for the savings account, {$300.00} for the checking account and {$400.00} for opening both accounts simultaneously. I have followed all the requirements : kept {$15000.00} in the savings account for more than 60 days, had my employer paying me through ACH deposit ( {$4000.00} ). I called and filed numerous cases with Chase and even if the supervisors confirmed with me that I should have received the entire {$900.00} bonus, I only received {$200.00}. 
This is an abusive practice and Chase Bank is misleading consumers. They took advantage of my hard work and never fulfilled their commitment. A terrible experience and another example of predatory and abusive practices. The last case number opened with chase was on the XXXX of XXXX. The case number was : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is reporting an incorrect status on my account. I fell back behind on payments a few years ago. Since then I have been making my payments on time with no problems. However, the way that they are reporting on my credit is causing me problems. I have not had any issues and ask that you please update my account to show " current, or paid as agreed '' and remove the repo code on it. It is not a repo and I have been making payments on time for the past couple of years.
Product: Credit reporting or other personal consumer reports

On my Experian credit report its showing a XXXX loan that has been paid off since XX/XX/XXXX, XXXX have paid this loan off in XX/XX/year> Experian has yet to remove this information off my credit report. Its showing a balance of {$22000.00} this information is incorrect as this loan is paid off!! I have documentation to prove that this loan is paid off, I went up to the bank and got a receipt from the teller, she took the check and paid off the XXXX  loan. Experian has yet to remove this information from my report. this loan is closed!!! Experian has this account as open when this account is closed. 

There shouldn't be no way this loan is open on my credit report when I have paid off this loan on XX/XX/year> this needs to be closed and not open!!!! 

This XXXX is paid off!!! I called the bank and they confirmed the loan is paid off so this needs to be closed on my credit report on Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I filed a Chapter XXXX bankruptcy petition. The bankruptcy plan for 100 % repayment of debts was confirmed in XX/XX/2017. In my petition, I included two Bank of America unsecured credit card debts. At the time of filing, both debts were sold to a collection agency, XXXX XXXX XXXX , XXXX. Bank of America filed a claim for payment for both unsecured debts, XX/XX/2017. Since my Chapter XXXX plan was confirmed, I have never missed a single payment to the Standing Bankruptcy Trustee. I pay my 100 % repayment Chapter XXXX plan, in full, each month, and the Trustee distributes funds to Bank of America for repayment of these debts. Each month, since the confirmation of my Bankruptcy plan, Bank of America continues to report one of the debts as " Charged Off, '' with no reflection of the account being involved in my Chapter XXXX repayment plan. They never report they are receiving regular payments from the Standing Trustee either. If a person were to review my credit report each month, they would see the balance is decreasing routinely. However, anyone else viewing my creditworthiness would think I still have an outstanding, unpaid, charged off debt owed to Bank of America. This is inaccurate and I have been unsuccessful my countless disputes, with the credit bureaus, to have Bank of America report this information accurately. Oddly, the other Bank of America claim is reported correctly each month as being included in my Chapter XXXX, not as a " charge off. '' I don't know where to turn at this point. furnished all evidentiary documentation, for your review, to better understand my disheartening situation. Page 5 of my XXXX  report shows the Bank of America charge off, and the other documents relate to my Chapter XXXX petition. This misinformation is hurting my creditworthiness more than my Chapter XXXX record.
Product: Debt collection

Sequium asset solutions llc is the name of the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue. 
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.