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

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XXXX XXXX, 2024 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - US SM BUS ADMIN ODA XX/XX/2021 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that my personal information is incorrect, which has been causing issues with my credit applications. This has been incredibly frustrating, as these errors are preventing me from moving forward financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my XXXX XXXX XXXX credit card into the program. I completed the program and paid all of my creditors in full as of XX/XX/2022. Even after 2-3 disputes with the major three credit reporting bureaus, XXXX continues to provide false or incorrect information to the three major credit reporting agencies and specifically, Equifax and XXXX continue to list this account as an unpaid charge off, however, the status has been changed to paid with XXXX. ALL 3 agencies are reporting the written amount after negotiation and settlement with XXXX XXXX XXXX, is {$5100.00}. This is also incorrect. The settlement information I have attached clearly shows that after settlement, the final balance was {$5800.00} and XXXX agreed in settlement and was paid {$4400.00}. I am not a mathematical genius but that doesn't amount to {$5100.00} as a write off. There are several errors and inconsistencies among all three reports all around. I am filing a complaint so that I can find and seek resolve as to why they continue to report incorrect information after being paid in full 3-4 months ago. They did not hesitate to very quickly report any negative information surrounding this account when I made the hard decision to include it in a debt consolidation program when going through a financial hardship a couple of years ago. Why does it take so long to correct now and provide accurate information for reporting purposes? I didn't run from the obligation but paid most of it back, albeit, at a lesser amount after settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with  XXXX   XXXX   XXXX  who are the bank for several store card such as  XXXX ,  XXXX ,  XXXX   XXXX  and  XXXX   XXXX , which are all cards I have. In  XXXX  and  XXXX , I had issues paying my bills and was either late or missed payments. I have since rectified the situation, brought all of the accounts current and have not missed payments. the card in question is the  XXXX  card. It had a {$2000.00} limit and a balance of {$350.00}. I received a letter on  XXXX   XXXX ,   XXXX   that my credit limit was being dropped to {$370.00} due to issues with my credit report. That left me with {$17.00} open to spend. When I contacted  XXXX  they could not explain why the drop was so significant. Because they dropped my limit, it now appears that I have over utilized the credit and I will continue to receive a low  credit score  because I am now so close to the credit limit as well as have my credit limits decreased again due to the low score. This will be a cycle that will continue with  XXXX  bank until they have decreased all of my limits based on two months of trouble that has since been resolved. This is the second card managed by  XXXX  Bank where the credit limit has been decreased based on credit report. The report was provided by Transunion and the reasons listed were existing problems that had been on my credit report for years ( a  discharged bankruptcy that is over 7 years old  and a medical collection issue that is also several years old and is due to an insurance company changing benefit amount and leaving me with a large bill that I could n't not pay ), loan balances that are too high ( I have student loans and a loans that have always been paid, are two years old or older, existed when I had my credit approved/increased with  XXXX  Bank, never been in default, payments have always been current even during the two months I has issues and their balances have not increased so I do not understand that reason ).     XXXX   have been unhelpful, I have called customer service repeatedly, have been hung up on and yelled by their reps, been told they have no record of my call history regarding this or they just transfer me to the Transunion Credit Report order hotline when they tell me they are sending me to an account specialist.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ===========EQUIFAX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, P. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

After closely analyzing my recent credit report, I found several accounts that appear to be fraudulent and were added without my knowledge.
Product: Money transfer, virtual currency, or money service

I am the owner of a savings/checking account @ Capital One bank. On XX/XX/2019, I received a domestic wire to my account.. The sender of the wire went to her bank 3 weeks later and claimed that she was frauded out of the money, so this in turn caused my bank to freeze my account. The sender of the money cease communicating with me after this happened, refusing to answer any of my or my bank 's phone calls and she refusing to come back to her bank and disclose that she made a fraudulent report. All of this occurred over 3 months ago .I have been calling my bank every couple weeks to check the status of the hold on my account, I am told by my bank that they are still waiting on some kind of " hold harmless " paperwork from the sender 's bank which they are telling me they have up to 3 years to wait for this information. In the meantime, the questionable fraudulent wire funds has not been returned to the sender, still l in my account and the bank has held all the funds in my accounts minus XXXX they allowed me to withdraw back in XXXX with this occurred.
Product: Checking or savings account

We instructed TD branch representative XXXX XXXX to put my biological children XXXX and XXXX as beneficiaries on our savings account. We specified that we wanted their full legal birth names to be documented as beneficiaries with XX/XX/year> equal disbursement upon our death. XXXX XXXX refused to type my childrens legal birth names on the form. His reason as stated : because XXXX and XXXX are existing TD customers and it has to match the banks names. After we reluctantly signed the form, he refused to give us a copy of what we signed. We left the branch empty handed. We went to another branch a few days later to get a copy of the Personal Account Maintenance form XXXX XXXX created in the TD system. Upon reviewing the form, it appears XXXX XXXX placed our beneficiaries as legal account title owners which is not what we wanted. 
After our discovery of what XXXX XXXX did after we left the branch, we asked the XXXX XXXX XXXX about TD Banks policies for joint accounts. ( see attached items 1-5 ) XXXX XXXX did not provide this information to us before or after his actions. Instead, XXXX XXXX obtained our signatures by his own deceptive actions and willful negligence to make us consent to something we didnt ask for in the first place. Number 5 appears to be TDs assumption that they can self-appoint themselves as their own arbitrators and remove our rights to sue the bank in Court. 
Should the Bank receive any process, summons, order injunction, execution, distraint, levy, lien or notice ( hereinafter referred to as Process ) which in the Banks opinion affects this deposit, the Bank may, at its option and without liability thereupon, refuse to honor orders to pay or withdraw sums from this account and may either hold the balance herein until Process is disposed of to the Banks satisfaction or pay the balance to the source of Process. 
My husband and I do not relinquish our rights to sue TD Bank for : 1. TD Banks financial theft of our deposit 2. Financial damages as a result of TD permitting financial theft of our deposit by false process 3. Financial damages as a result of TDs imposed restrictions and abrogation of our marital contract. 4. Financial damages as a result of TDs withholding of funds from our family estate, successors entitled to receive as our beneficiaries 5. Financial damages due to TD Banks negligence, errors, mistakes, and OCC regulation violations as a foreign National Bank operating in the United States and in the State of New York. 

Arrange to have a TD Branch Manager immediately prepare a corrected Personal Account Maintenance form for us. The form must specify our children as beneficiaries, not account title holders. Their full legal birth names are as follows : XXXX XXXX XXXX 50 % and XXXX XXXX XXXX 50 % We also want to correct our legal names on the account to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as appropriate for a joint marital account.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX HAVE FOLLOWING ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Product: Debt collection

Debt collector called my moms phone on XX/XX/year>, she missed the call.. called it back at XXXX and reached an agent .. gave them her name and phone number.. he proceeded to pull up the account and stated what bill was for and the amount..She asked him who is this bill for and he stated the name on the bill and proceeded discuss the details of the bill and account, She asked do you know who you are talking too? He said no I didnt write the name down, She advised him he has violated the fair debt collection law, you have discussed her bill with a 3rd party when she clearly stated I am not the person on the bill.. he hurry up and hung up. She called back and spoke with a supervisor who refused to acknowledge the violation he just stated he maybe misunderstood the names., she explained thats not possible cause our names are not the same and when shd asked the young man does he realize he stated no he didnt write my name down she said you have violated the law
Product: Checking or savings account

XX/XX/21 attempted to call customer service center. On hold 55 minutes. Had to hang up. 
XX/XX/21 on hold 45 minutes. Rep, transferred me to XXXX a supervisor. After discussing that I had not had a negative balance, XXXX advised me it was a pending debit card purchase to XXXX XXXX that I was charged me. I advised that shouldn't be as my account shouldn't be charged on debit card purchases that would take me overdrawn. XXXX disconnected the call. 
XX/XX/21 XXXX visit to speak to the manager.

During conversation when I asked the manager to confirm the default setting so Point of sale is not approved, he confirmed it was and then informed me that it wasn't the XXXX purchase, it was an ACH for XXXX XXXX. A quick change of transactions from one not eligible for a fee, to one that is. However as I asked him, provide physical proof, that is different from my statement that shows a negative balance. He was unable. He also told me he did not have the power to reverse more than one courtesy fee and that he would have to send request through to his regional manager. I accepted him at his word. He called me one hour later and said no, I again asked for proof of a negative balance and again it was not provided or offered. 
I called a call center again, spoke to XXXX, who transferred me to XXXX. With the discussion, XXXX told me that in fact the local Manager does have the power to reverse fees, however XXXX does not but after much insistence, I asked his Manger to call me. He said his manger XXXX was in a meeting but would call me afterwards. 
No phone call was received. 
XX/XX/21 After numerous messages to the bank XXXX account, I received a phone call. Again, despite repeated requests, no proof has been provided, just verbal assurances that a valid purchase was made that pending, made me overdrawn, but posted it did not. Advised it was the XXXX XXXX purchase. Again pointed out the point of sale default setting and she hurriedly changed it back to XXXX life transaction. 
I kept insisting that I can't just go on their word, that I wanted a document showing my overdrawn balance. Phone call was disconnected. 
I went to the bank and directly asked the manager if he did or did not have the power to refund fees based on what he said to be yesterday. He refused to answer the question, I asked him if that was because he didn't want to be caught in a lie, he just kept repeating the fees were not being refunded and refused to answer any other question I asked of him. I asked the assistant manager to request the regional manager call me. 
XXXX XXXX called me stating she was the regional manager. ( XXXX XXXX XXXX ) She was very impatient, refused to acknowledge what I was saying and just continued to reiterate that fees were not being waived. I asked for a complaint procedure and she terminated the call with me. I am left with my bank statement showing credit balance but still being charged a fee for an overdrawn balance and apparently according to my local Bank of the West I have no recourse.
Product: Debt collection

The company Receivables Management System is attempting to collect on a debt that is not owed by me. 1. This company has NOT sent any information to my address.2. This company does not have my correct information.3. This company is NOT registered to collect a debt in my state of Texas.4. This "debt buyer" company HAS reporting information on my credit report "a collection" and is attempting to collect illegally.I sent RMS a certified letter with return receipt regarding this matter. RMS has 30 days to remove this collection or will face legal action and will be sued under the FDCPA.I want CFPB to find out why this company willfully breaks the law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/XXXX and I have not yet received a response.
Product: Mortgage

I went into bankruptcy in XX/XX/2017 to save my house from Flagstar Bank - I've been making on time payments and because of my error with choosing my medial insurance ( I am paying a lot of money out of pocket ) I was thrown off bankruptcy, but still making the payments, and actually I pay it the month before every 2 weeks. In XX/XX/XXXX through XX/XX/XXXX I received 3 separate packets that was the loan modifying paperwork and took them to the bank and had them notarized. The beginning of XX/XX/XXXX I received a check from on of my payments labeled miss-applied funds. No letter or detail of why I received, nothing but the check and when I checked my credit score they put the what I owed back on it no longer abiding with our terms.
Product: Debt collection

Robo Calls everyday, sometimes 2x a day from phone # XXXX ERC unknown caller about debit collection ( robotic messages ) My phone # is on DO NOT CALL registry This is an unknown debit, that I know nothing of
Product: Credit reporting

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. The inquiries below are a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The inquiries I am disputing are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sales Financing XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Utilities XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Mail Order Firms XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card Cos.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello here is a list of inquiries on my credit that were not approved by me ; XXXX XXXX XX/XX/2022 ( XXXX XXXX -XXXX  XXXX  XXXX XX/XX/2022 XXXX XXXX ) XXXXCapitalOne XX/XX/2022 ( XXXX )