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

on XX/XX/XXXX, with no notice, my bank accounts were locked and restricted at Chase Bank. After several hours on the phone and 2 trips to the local branch I was told it was due to my husband receiving unemployment funds. These funds are legitimate and we provided 20+ pages of documentation. Additionally my own payroll deposits from my employer were questioned and I was informed those funds are being held due as well. No matter what documentation we provide we were informed that our accounts are closed and any funds would eventually be returned to us, up to 4 months. This is crazy when the payments are legal and legit payments.
Product: Student loan

I disputed the account. My Federal loans from XXXX were discharged due to lawsuit against XXXX  Colleges. I know longer owe that balance
Product: Credit card or prepaid card

On XX/XX/2017 my monthly current bills did not go through auto-bill. I reached out to the company and they said they saw the payment in the system but the bank rejected it. I was never notified, and the rejection caused me to get late payments. 

I contact the card holder and explained what happen, and I will pay the balance if they would remove the derogatory item. 

I can not get a mortgage because of this unfair situation.
Product: Student loan

USA fund had placed me in collection as charged off debts in which I have nothing to do with this company. The amount of charge off was placed by USA funds are : $ XXXXand {$2600.00}. 
Thank you for for time and consideration.
Product: Credit reporting or other personal consumer reports

I have formally requested that these accounts be updated without including any late payment remarks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is knowingly allowing XXXX XXXX XXXX to report inaccurate information. I have disputed this a few times with XXXX  and yet they are still allowing the incorrect information to be displayed. The company is reporting on the payment page that I have made no payments at all this year. Under payment month a C ( charge off ). If I have made no payments like the information is stating then how did my balance go from {$480.00} to {$350.00}. I want this information corrected. I have a letter from the Company showing that I made a payment in XXXX and another in XXXX. I also made a payment in XXXX. See the letter it shows {$50.00} payment made XX/XX/XXXX. {$40.00} made XX/XX/XXXX. XXXX + XXXX XXXX $ XXXX $ XXXX {$130.00}. If {$50.00} + {$40.00} XXXX and that is subtracted from the original Balance of {$480.00} then a balance of {$390.00} remains. since my balance is {$350.00} its obvious I made another payment of {$40.00}. See attached dispute results dated XXXX After my dispute XXXX is still showing no payments made anytime in XXXX. If a creditor pulls my credit file it will appear to them that I have made no payments on this account when in fact I have made several payments. I want the correct and truthful information posted on my credit report by XXXX or the report deleted from my file. Transunion is allowing the same company to also report inaccurate information. I tried to dispute this information with Transunion but they informed me that I have one on going dispute and can not file another dispute ( despite the fact that they are reporting false information ) until that dispute is resolved.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Transunion is unlawfully reporting an account on my credit report. I have been a victim of identity theft in the past due to living in a foster home and I fought really hard to get this situation under control. This account was removed from my report and transunion have placed it back on my credit report while lying saying that is was verified which it has not been. There has not been any signed documents mailed to me or any pictures of my official drivers license IN COLOR sent to me. Transunion is committing fraud and has caused me and my son to be homeless. PLEASE REMOVE THIS INCORRECT INFORMATION IMMEDIATELY.
Product: Debt collection

The company did not verify the debt. The company only provided a bill. I never had a contract with this debt collector for any debt.. I ask them to please provide proof of original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account.. This account is incorrect reported
Product: Debt collection

I received a false and misleading letter from Eastpoint with a logo on it alleging I owed a debt. The alleged debt is disputed. The alleged debt has not been validated. 

To EASTPOINT RECOVERY GROUP , INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Eastpoint Recovery Group , Inc. ( EASTPOINT RECOVERY GROUP , INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX XXXX and Eastpoint Recovery Group , Inc .
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I am the executrix of my mother 's estate. She died 18 months ago. She has XXXX accounts at XXXX. I have corresponded with them on several occasions and had to redo my request twice because of wrong dates, etc. About 3 weeks ago I sent all the completed paperwork. This week I decided to call to see how things are going. Over 2 days I spent XXXX hours and XXXX minutes trying to speak to someone at PNC. Most of the time I could not even manage to get through to a person. The automatic answer system did not allow me to request to speak to someone. Twice I got through and asked for the number of the department that handles estate issues. Both times I was given an incorrect number. The last time I reached someone, I simply explained my situation and asked for the phone number. In order to get a phone number from this gentleman ( he gave me an incorrect number ) I had to give him, my name, my address, my social security number and birth date. Out of the XXXX hours and XXXX minutes I had contact with XXXX people and total conversation with each was about XXXX minutes. The rest of the time I spent trying to get through the automated system. I still have not been able to speak to anyone about my mother 's money. The frustration of their automated system is horrible. I do think I should be able to speak to someone. 
Eventually I called a local branch and asked someone there to help me. The kind woman said she would get a message to the escalation department. The following day I received a voicemail from PNC leaving me a phone number and asking me to call back. When I called the number left on the voicemail it was to the PNC directory assistance center and she did not know anything nor could she help me. Eventually I managed to speak to the man that left me the message. He said he had no knowledge of why I called, did n't know anything and said he was n't given any information.
Product: Credit reporting or other personal consumer reports

Subject : Request to Update Address Information and Remove Unauthorized Addresses Dear TransUnion Representative, I am writing to formally request an update to my credit profile to reflect the correct address history and to remove any unauthorized or inaccurate addresses that may appear on my credit file. Below is the accurate sequence of my addresses, listed from most recent : 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 Any other address that appears on my credit report is inaccurate and could be the result of fraud. I request that all addresses not listed above be immediately removed from my credit file to prevent any potential misuse of my personal information. 

Enclosed are copies of identification and supporting documents verifying my residency at these addresses. Please update my file accordingly and provide written confirmation once the corrections have been made. 

If you require any additional information, I can be reached at ( XXXX ) XXXX. Thank you for your prompt attention to this urgent matter. 

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

These hard inquiries have been on my accounts and I do not recognize them at all, I have made multiple calls to the fraud departments at Experian, XXXX, and XXXX however no one assisted me. I am attaching an identity theft report to this complaint. 
Hard inquires that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  ( RAN ON MY REPORT 3 times ) XXXX XXXX XXXX XXXX XXXX Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i XXXX Procedure in case of disputed accuracy states 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 ( i ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, nor benefit from, or authorize any of the following inquiries on my credit report : # XXXX XXXX XX/XX/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 US SM BUS ADMIN ODA 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: Checking or savings account

On XX/XX/XXXX or there about I noticed many of my apps that I have given permission to use my financial data no longer had access to this information. This included XXXX, XXXX  and XXXX. These are apps I rely on for budgeting, saving on gas and saving money in a savings account separate from XXXX XXXX XXXX. I contacted them via XXXX CS on XX/XX/XXXX, XXXX, XXXX and XXXX. I finally received an answer from them on the XXXX stating that they had changed security protocols and that the services I used had not updated their systems to comply. XXXX and XXXX have since been able to reaccess my data although in XXXX 's case it still seems there are intermittent problems. Capital One never even responded to my concerns until I threatened a complaint and then only to state the security as I have stated. All other entities involved got in touch with me within one to two days and all of them have independently verified that XXXX XXXX XXXX has cut off access to them with little to no warning. Capital One solution is to use their apps and services and are unable to provide me with any information on when if ever they will allow these other businesses access to my data. As I have stated XXXX  and XXXX seem to have solved the connection problems at least partially and I am able to use their services intermittently. XXXX has not been resolved nor have I been able to get any further information regarding this matter from XXXX XXXX XXXX. I have no outstanding issues with Capital One. I have a checking account, savings account and Line of credit all in good standing as of today. All accounts have money in them and no contractual minimum amount is required. I am frustrated with the amount of information they have been willing to provide and with the slow pace of their responses. If I cut off access to their systems and allowed my accounts to go into debt or something similar they would demand immediate attention and probably fees and fines depending on the situation. I have money invested in a broker, a separate savings account, a retirement account and other services that require access to my primary bank accounts. I don't use my HSA, broker or 401k service on a daily basis, I am afraid when those companies do need access they will no longer have it, or if XXXX is a bad player and isn't using my information and funds in a safe way I would like to know so I can act accordingly. I feel like the onus at this point is on Capital One. No one else seems to be having trouble with these companies as far as I can tell on doing independent research and speaking with customer support for the other companies I have listed. If this is not able to be resolved shortly I will have no choice but to begin moving my money to other providers who can give me access to my information and provide customer support other than to recommend I use only products and services when spending my money. I feel like I have no other resources to get assistance short of this government complaint and/or possibly some kind of court action. It's not easy to wait for answers when they have control over a large portion of your liquid assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Received an email that my score has dropped XXXX points today XX/XX/2021 2. Called Experian and spoke to their membership department they could not help me and was tolled that the hard inquire did it. 
3. I Asked to speak to a supervisor and still same result and was tolled to call FICO 4. Called FICO and was tolled that they only monitor there customer credit and that they have nothing to do with score 5. Called back Experian and requested to speak to there Dispute department and was around 25 minutes in talk and nothing can be done they asked for my phone number and was tolled that they will get back to me and that nothing they can do for me.

6. Before hanging up I ask to accept a complaint in reference the XXXX point drop and to give me a reason or explanation to why my score dropped XXXX points they will not and refused to take a complaint or investigate. 
7. Need of your help thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX  XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXXt # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Debt collection

XX/XX/2017, XXXX, {$1200.00}, Americollect is saying I owe them. This debt has been removed off of my XX/XX/XXXX account. Fraudulent information.
Product: Credit card or prepaid card

I currently have XXXX XXXX XXXX store credit card. In XXXX I logged in and paid my " current balance '' as listed online. Not my statement balance. I was attempting to pay the balance in it's entirety. In XXXX I was assessed a XXXX fee. And then XX/XX/XXXX I was assessed a XXXX late fee on the XXXX " minimum interest charges '' well then interest on XXXX is XXXX. So I bit the bullet and paid the late fees for XXXX and XXXX and on XX/XX/XXXX I logged in and paid the listed online " current balance '' of XXXX ( which included marches late fee ). Then again on XXXX XXXXthe they charged me another " minimum interest charges fee '' interest on XXXX is XXXX! So I have since accrued late fees on this XXXX dollar interest fee. I have paid this account off multiple times and they continue to change me fees after I pay listed " current balance '' online. I can prove per my online account activity that this is happening. I called to try and explain to them that I just want to pay this off.. I pay off the balance they assess a fee.. I pay off the balance they assess another fee. At this rate I will never be able to pay this balance. They give me no options.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 22 accounts that were paid in full, old accounts that were supposed to be deleted. 
The following inquiries are impermissible : 1. XXXX, XX/XX/XXXX 2. XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX, XX/XX/XXXX 6.XXXX  XXXX XXXX, XX/XX/XXXX 7. XXXX XXXXXXXX, XX/XX/XXXX 8. XXXX  XXXX, XX/XX/XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX, XX/XX/XXXX 11.XXXX, XX/XX/XXXX 12. XXXX, XX/XX/XXXX 13. XXXX, XX/XX/XXXX 14.XXXX, XX/XX/XXXX 15. XXXXt, XX/XX/XXXX 16. XXXX, XX/XX/XXXX 17. XXXX XXXXXXXX XXXX, XX/XX/XXXX 18. XXXX XXXX, XX/XX/XXXX 19. XXXX, XX/XX/XXXX 20.XXXX, XX/XX/XXXX 21.XXXX XXXX, XX/XX/XXXX 22. XXXX XXXX, XX/XX/XXXX Please remove these accounts from my credit report immediately.
Product: Debt collection

This company has called me every single day for months on end. Ive told them to stop and they keep calling. Ive blocked numbers but they find a way. They just keep calling and calling. This is harassment at this point. Under the TCPA, they are not allowed to constantly call and harass me. Delete this debt from my name and stop calling me! Further action with be taken if this keeps up.
Product: Debt collection

my wallet was stolen from my car which included my personal ID social security card and a ton of other important items. i now have a closed account on my credit report that i am not responsible for. date card was open was XX/XX/19. please remove from my credit report i am not responsible for that card and its holding my score back.
Product: Debt collection

Under the fair credit reporting act, 15 U.S.C, 1681g I have the right to demand the you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report please dont respond to my request by saying that this account have been verified send me copies of the documents theta you have in your file that were use to verify it. If you do not have any documentation in your file to verify the accuracy of the dispute account then please DELETE IT IMMEDIATELY as requested under Section 611 ( a ) ( 5 ) ( A ) ( I ) .By publishing this inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthinesss Under the FCRC 15 U.S.C ., 1681li all unverified accounts Must be promptly deleted therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my report.,
Product: Credit reporting or other personal consumer reports

I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments. This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Repossession. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments. 
This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00}