23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I closed a credit card that was in my name in XXXX and have not had this card or statements since that time. I received a divorce in XX/XX/XXXX, after moving in XXXX of XXXX to a different state. My ex filed bankruptcy in her state in XXXX. After being bankrupt, the card that had been closed started to appear on my credit report and I disputed having a debt of {$25000.00} on this card through the credit report group XXXX. I also found the credit card company 's name and phone number on XXXX. I contacted them to stop the charges and the card and remove this debt from my name since I have no affiliation with the card, the state where the charges were being made or connection to the person who is using the card. This credit card company shows they closed the account and my credit score showed no deebt for about XXXX  months. This month the debt came back on my credit report for this closed acoount and it is now at {$26000.00}. I do not know what I can do to remove this debt from my name so that the person responsible for the debt ( my EX ) will have this debt only in their name and account.
Product: Credit reporting or other personal consumer reports

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  don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX trans union I already sent police report bt they failed to delete
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report, I noticed some inquiries that I did not make, I called the bureau and told them about this, and they said it was a statement of fact and that they had nothing to do with it. the inquiries I have are shown below XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX I did not make these inquires, they need to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting a fraudulent account that doesn't belong to me and they will not remove this incorrect fraudulent account obtained and use by someone as I'm a victim of identity theft Experian previously removed this account and it was handled and then just randomly they put this account back on my credit file. 
I have sent them police reports and notifications for removal again and they have not notified me of the results and it has been well over 30 days and they are not properly handling this This is not being handled and needs to be removed immediately from my credit file as it violates many rules and regality ons and Experian should be fined and penalized I will be filing additional claims on this until fully resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXXAccount # XXXX, and XXXX, has violated my rights. 

15 U.S.C 1681Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Sections 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

The overdraft fees have become excessive. I am under the impression that showing an available balance and then later charging fees was against the law or rules. For the past few months has charged me close to {$1000.00} in overdraft fees. For some purchases the money was there when I slid the card but yet they are still listed and are charging me a fee. I would like for my account to be reviewed and overall their processes. This seems like a class action lawsuit situation and I am looking into that too. On my latest email there are FOUR transactions that I slid my card for and yet overdraft fees are pending. I want a deep dive into their system because last week I paid {$120.00} in overdraft fees. Reject the payments! That's cheaper for me! Rather than allowing the charges to post and I pay the fees.
Product: Checking or savings account

USAA bill pay has not been working right on the app. I have been paying my bills on USAA bill pay for XXXX  years and have only recently discovered the issue happening around the XXXX of XX/XX/2023. It has been showing on my app that my bills have been coming out on or around the day they are supposed to come out, and also showing in the activity that the bill being paid had gone through. At first it was for my truck payment of {$830.00} on XX/XX/2023. It took over a week and showed that it had gone through on my USAA app. Then to discover it had not gone through or tried to come out until the XXXX of XX/XX/2023. I ended up having to call my loan company or the bank on which the loan is through and pay it after the bill date is due. It is now XX/XX/2023 and I have had the same thing happen to a different bill which I have never had any issues before. Same exact thing happened to my XXXX XXXX XXXX XXXX I had {$110.00} coming out on the XXXX of XXXX and apparently it had not tried to come out until the XXXX even though it had displayed on the app that it had come out when it was supposed to. When I had call in XX/XX/2023 about the truck loan taking the gentleman I had talked to explained that I was the XXXX person to call about the same issue. I was told then that they were working on the issue with the app. Now when I call USAA I am being told that it is the creditor of who I am paying the bill to that is taking to long to deposit the check from USAA from which my bills are automatically set up to come out. Like I said I have never, had this happen up until now. Everything has always come out when it is supposed and everything has always displayed that it had come out on the app. And everything has always been true of what was being displayed on the app, until the last month and a half. I understand if it might take a day or two. But when it takes a week or more for it to come out and everything is displaying it had come out and reflecting on my USAA automatic bill pay and also on the app itself that it had gone through, it becomes a problem because now my bills are not getting paid due to my wife and I thinking that we have money in the account and then I am getting letters in the mail showing I am past due on a bill and also letters from USAA showing the bill did not come out due to insufficient funds. I had also received a letter in the mail from tractor supply company credit card bill reflecting that the bill had gone through so I was not worried about it and it showing how much my next bill would be. Unfortunately because it displayed and reflected that it had gone through I was not worried about it anymore and I had thrown that bill away. I just received a phone call from XXXX yesterday saying that I was behind on my bill and I had to pay it in order to catch up on my payment. I was able to explain the situation to them about what was going on with my banks automatic bill pay. But now I am having to play catch up on my bills and worry about how it is going to reflect on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department EDU Acct # XXXX US Department EDU Acct # XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 major credit bureaus XXXX, XXXX, and XXXX that the account on my credit report regarding a bankruptcy is inaccurate. They have informed me they received the info from you Lexis Nexis. After asking you to verify the info you said you " verified '' the info as being accurate. Really? When I contacted the court and the clerk verified that they dont verify records with the credit reporting agencies. So where are you pulling this information from? You are required to have firsthand knowledge, which means you need to furnish the actual petition. The Court should be the furnisher of information, not a third party source. I know for a fact that your company receives information on bankruptcies from a third party known as Pacer. The pacer system is inaccurate and incomplete since the pacer system does not provide complete social security numbers as that would be against the FCRA and privacy laws. Furthermore, the Fair Credit Reporting Act is inapplicable to the Court because the Court is not a consumer reporting agency. I'm pretty certain what your company is doing is illegal but you keep violating my rights. You must obtain firsthand knowledge. How can one obtain firsthand knowledge from a 3rd party? According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Secondly, the item is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I received an email from Credit Karma stating : A new card could be just a few clicks away, XXXX. And whether it's a higher credit line, a low intro APR or new rewards, Credit Karma makes it easy to find the card features you're looking for. 

You already have Outstanding Approval Odds*, so head back to pick up where you left off. 

I trusted the information received. I applied for the card and was declined. I was hoping to get a lower APR and balance transfer. Instead I ended up trashing my credit score in the process. It lead me to wonder why are they ( Credit Karma ) allowed to do this? 

They pray upon individuals who trust their information that gives false hope using deceptive practices. Is there anything that can be done?
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: Checking or savings account

Since XX/XX/XXXX Wednesday Capital one suddenly blocked my access to my checking and savings accounts. It's now Saturday XX/XX/XXXX... For XXXX days in a row I've been calling and calling the bank because NO ONE will talk to me or return my calls, they keep sending me to a voicemail. Yesterday I finally was able to get to a live person named " XXXX '' who said they don't know what's going on and sent me BACK to the voicemail. Today I've left my XXXX voicemail! Capital one has NOT sent me anything by email, or mail or text or phone call, just nothing stating anything is going on with my account or why or anything! They won't even talk to me! What is going on?!! I'm a single parent with XXXX kids and school starts Monday! I have no way to access my money and they won't even have the decency to talk to me to tell what is going on!!! They are holding my {$1400.00} in the savings and checking accounts hostage! How is this legal!?????? The fact that I keep being sent to A voicemail is unbelievable! Please help me get this corrected because now I'm going to miss paying my bills and create horrible hardships in my life. Please please I'm begging for someone to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, my XXXX XXXX Credit Card ending in XXXX was stolen from my office. Purchases and fraudulent payments were made that allowed the thief to exceed the credit limit. I filed the attached sheriffs report. The card was canceled, charged off, and then one year later a fraud investigation was performed in my favor. The amount was reduced and I could not afford the lump sum. I had great credit rating and was paying card off monthly after XXXX treatments. One year exceeds the requirement to do a fraud investigation. XXXX XXXX doesn't care. So I am left with a lump sum I can not pay plus a negative credit score that will remain even if I pay settlement amount. THIS IS UNFAIR! Plus the Credit Reporting Agencies just shuffle paper and do not investigate for accuracy and completeness.
Product: Credit card or prepaid card

For some reason I kept paying my credit card with an old account and there was no way for me to remove it online ( which the customer service agent confirmed that I can't do and has to be done my management ), so I was paying my monthly payment from the wrong account not realizing it. This caused me to have a late payment on my credit report and I have never been late with Pentagon Federal Credit Union or any account in years.
Product: Credit card or prepaid card

I have had my American Express card since early XXXX without any problems. Starting XX/XX/XXXX and XX/XX/XXXX American Express posted payments incorrectly to my account. Beginning XX/XX/XXXX I began very a lengthy, time consuming effort to help American Express correct the error only to be told I was wrong and they are right. I continuing follow up XXXX see attachments XXXX including correspondence with CEO XXXX XXXX They began attaching late fees and interest charges for their error. Today, XX/XX/XXXX I received a email threatening to report my delinquencies to the credit bureaus. I feel I have done everything possible to help American Express correct these errors to no avail. This XXXX XXXX XXXX man needs help to correct this error. Hopefully I can call on your support to help in this matter.
Product: Debt collection

I received notice by mail for XXXX cc bills from XXXX or XXXX. The accounts were put with a consumer credit company in XXXX or XXXX. I have heard nothing regarding these since I signed with CCC XXXX or XXXX years ago. The company reaching out is Credit Control LLC - the XXXX companies they are reaching out about are : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX, TransUnion has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer.USPS CERTIFIED MAIL XXXX XXXX XXXX  XXXX is proof that TransUnion LLC received my notice on XX/XX/2022. TransUnion LLC that the continued reporting of this inaccurate information is a clear violation of the FCRA. 15 USC 1681a ( 4 ) Cleary states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I am a consumer and as a consumer I have a right to privacy, according to 1681b permissible purpose. 
XXXX XXXX XXXX XXXX is a living man with blood running through his body and a free citizen of the state and the people of the several states are unconditionally sovereign within their respective states and must consent to be governed. I have never and I will never give any persons my consent to be governed. No court or persons have jurisdiction over me. I didnt give TransUnion or any person written authorization to furnish THE DIVISION OF CHILD SUPPORT EN on my consumer report. 

Furthermore, TransUnion LLC have failed to provide the method of validation as required under 15 USC1681i ( a ) ( 7 ).

More violations of my federally protected rights : 28 U.S. Code 1691 - Seal and Teste of process 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 s-2 of your responsibilities as a furnisher of information. My rights are clearly being violated according to THE FAIR CREDIT REPORTING ACT. Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA TransUnion is required to ... promptly DELETE all information which can not be verified. 
Attached is my notice to TransUnion demanding deletion for lack proof of contract between me and furnisher and a notice from NYS SECRETARY OF STATE showing no lien is connected to my name in the state of New York. 

I am making complaints with the CFPB, FTC, XXXX  CA and IL state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.
Product: Credit reporting or other personal consumer reports

I submitted XXXX disputes to XXXX- the last one they claim was resolved on XX/XX/30. They have not provided me a copy of my signed credit application as requested twice. 


Remarks Account previously in dispute-now resolved. reported by credit grant ; UNPAID BALANCE CHARGED OFF
Product: Vehicle loan or lease

US Auto Sales, repossessed my vehicle XXXX in XXXX, it is XXXX and Im getting garnished from a company that is no longer up and running and no one will return nor answer my calls. I says I own XXXX and I have already paid XXXX. What do I need to do about this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to buy a house so I spoke to a bank lender on what I needed to do to get started. My credit needed to get pulled to determine if I was able for financing. When they received my report they told me my score was to low for any type of financing for a home. I asked him why and I was showed my report. The accounts on my report are not mine. None of the accounts belong to me. I believe some one has stolen my identity. Please remove the fraudulent accounts from my report. 

XXXX XXXX, XXXX. 
XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} US DEPT OF ED/XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX  XXXX {$930.00} XXXX  XXXX {$280.00}
Product: Vehicle loan or lease

As soon as I bought my new truck there were additional extended warrantys/ services. I called the next day to get them removed signed and return the cancellation forms and its been over 3 months and the extended services have not been taken off the f my total balance owed on the truck.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number ****XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, MIDLAND FUNDING LCC add a derogatory marks on my credit reports per XXXX, XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LCC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

When I pay my mortgage online I am given three options : 1 ) Pay full payment 2 ) Other amount 3 ) Pay toward principal I wanted to pay biweekly using the Other Amount option, but I received the run-around. My payments appeared as Unapplied Credits in my account. I assumed this would resolve itself, however, I later received a letter from my bank ( Fifth Third ), and I quote : " Our records show that we received a payment from you. However, because this amount is different than your regular monthly payment, we are unsure what to do with these funds. '' This situation worsened when I received a check in the mail for one of my partial payments. At this point I called the bank ( Fifth Third ) to sort things out. I was assured that when I resubmitted the returned payment, my missing mortgage payment would be resolved. Instead I received another letter ( as quoted above ), in which the bank was confused as to why I was sending them money. 

I called again prior to submitting this complaint. This time I was assured by a bank representative ( Fifth Third ) that my money would be properly applied toward my mortgage payment. I'm submitting this complaint regardless because this SHOULD NEVER HAPPEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed a police report and all the appropriate paperwork but nothing gets done. The paperwork I send is not ever processed correctly. 
These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not getting copies of the verification report per the FCRA. This is another violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like this XXXX XXXX to remove my late payments. This was due to XXXX when everyone was locked in their home and could not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX collection agency ( Caine & Weiner ) add a derogatory mark on my credit report per experian. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( Caine & Weiner ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Product: Debt collection

Eastern Account System has placed a account on my credit that is n't mine from XXXX in the amount of {$320.00}. I 've reached out to XXXX on numerous occasions and the only information that was given to me that it is a account sold to Eastern Account System also that this account is 2 months away from reaching the statue of limitations in the state of Georgia and also could n't identify the debt as being mine. I wrote Eastern Account System to receive a debt validation, I have n't yet received any response. I 've called them at the number reporting on my credit report which is XXXX and left several messages on the their voicemail with no response.