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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a written job offer and XXXX form from XXXX XXXX. On XX/XX/XXXX I received a check ( {$2200.00} ) from this company to deposit to purchase " software '' from their " vendors '' that I need to do the job. On XX/XX/XXXX I received another check ( {$3400.00} ) to purchase software. I deposited those checks and sent money to " vendors '' ( {$1700.00} ) to a person named XXXX XXXX, via XXXX. On XX/XX/XXXX I sent {$500.00} via XXXX XXXX to a XXXX XXXX ( another " vendor '' ), phone number ( XXXX ) XXXX, email XXXX. It turns out this was ALL A SCAM, THE CHECKS WERE FRAUDULENT and all of my personal funds were taken as well. Wells Fargo allowed the {$2200.00} check to be available, NOT ME. Now I'm being told that I owe them that money and they are harassing and coercing me telling me they are going to put me on the blacklist for banks and also they will run my credit ( harassment and coercion ). I have had no money since XX/XX/XXXX. The person who was giving me all this information was a XXXX XXXX ( via XXXX ). The person who sent me the job offer was XXXX XXXX at XXXX XXXX. I NEED HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington law charged me twice at XXXX and still has provided no results in 2016 had service. I beieve in XX/XX/XXXX XX/XX/XXXX.
Product: Checking or savings account

Today on XXXX Friday the XXXX Bank of America has stolen {$12.00} out of my account for maintenance fees even though I have direct deposit to avoid this. Yet they still charge me every single month, sometimes twice if I dont check my account. They claim its a computer glitch but after the fourth time, this isnt an accident. Please stop them as Im sure this happens to millions of people who cant check their account or go through their entire months transactions. Theyre making millions off stealing from their customers and claiming it as bank error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted US Bank regarding an entry they have listed on my credit reports. In a recent letter that I received from them dated XX/XX/20 regarding this reporting, they said they have reviewed the information and determined it was accurate. This is impossible because I have never had an account with them. I have never applied for an account with them. Never. 
I have asked for them to produce any documents with my signature showing that I have applied for credit with them. They could not do this. I have asked them to provide their method of verification which I have a right to request. They can not provide any methods. They also do not respond within the 30 day time frame as allowed by law. I also understand that I have the right to file a lawsuit against them requesting damages up to {$1000.00} per violation that has occurred. I am going to do so if this entry is not deleted from my credit files within 15 days of this complaint. This is my last goodwill effort to get this matter handled before I file a lawsuit and go to court.
Product: Credit card or prepaid card

I have tried sending them multiple goodwill letters explaining why I had 1 late payment in XXXX of 2017. Due to a financial hardship I had when my son was sick and I had to pay a medical bill I was unable to make my payment on time. I have been a customer for over a year and a half and have not had a late payment since then. They are not willing to help me remove this late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX  has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXXXXXX XXXX  ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.
Product: Money transfer, virtual currency, or money service

I have a XXXX account with chase bank And I was scammed out of {$2000.00} by a company asking me to send that to them to verify my bank account. I called the bank and they told me that they do not reimburse anything like this even though it was phishing and a scam that I fell for because they threatened me.
Product: Credit card

Cb/indigo sent me a card, charge a yearly fee everytime I tried to use it it was under investigation I told them to cancel it, they keep adding fees XXXX  closed but XXXX didn't. I'm not paying for card couldn't use
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have been in contact with US Mortgage since XX/XX/XXXX about my loan via text message as well as email. I have requested documents they refuse to respond as they have sold the load to XXXX XXXX XXXX who also fails to provide me information and referred me back to US Mortgage. I notice my interest rate disclosed is seemly high based on disclosed information as well as I wanted copies of my mortgage with all endorsements and transfers altered after I signed the document with a blank endorsement. XX/XX/XXXX XXXX XXXX said he would speak with the settlement agent about providing me with a copy of the check in my name that paid the seller which I did not receive. The APR is overstated by XXXX. The finance charge is understated by {$110000.00} and the total of payments is understated by XXXX. I request that the CFPB investigate [ Lenders Name ] for TILA violations and take appropriate enforcement actions, including : Full review of this lenders loan disclosure practices to determine whether systemic violations exist. 
Potential penalties for non-compliance with TILA and Regulation Z. 
Loan reformation or rescission to correct the incorrect APR and finance charge disclosures. 
Compensation for any overpaid amounts due to inaccurate disclosures. 
This misrepresentation has financial consequences and affects my ability to fairly evaluate the cost of my loan. I trust the CFPB will take appropriate action to enforce federal lending laws
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  numerous times in reference to the XXXX  XXXX XXXX account the is reporting on my credit report that was not and is not authorized by me, i didnt sign anything and i did authorize anythings, This is a FRAUDULENT ACCOUNT, I am a vicitim of identity theft
Product: Credit reporting

A company " XXXX XXXX XXXX XXXX XXXX '' has become attached to my credit report and keeps bothering me for money saying that I owe them money. I never borrowed any money from them, do not know who they are, or how they messed up my credit report. I talked to a lawyer about it and he said I did not owe them any money, and what they are doing is illegal. How can they do this illegally, and putting themselves on peoples credit report and keep getting away with it?
Product: Debt collection

I received a settlement letter dated back in XXXX of XXXX from a Client Resolution Specialist named XXXX XXXX, of Truist Bank, XXXX. 
The settlement was a result of a program offered to me during XXXX ( XXXX ) by XXXX XXXX  XXXX that never got entered into the database as a modification of original loan terms. 
Fast forward, I sent the funds asked for in the settlement letter ( XXXX XXXX ) via Certified Check to XXXX, XXXX  in a trackable XXXX mail package. XXXX tracking stated that the package was delivered and received at the address/ po box . 
In that package I specifically asked for a business letter receipt for my payment. 
I have not received from Truist a contract to sign that matches the terms of the settlement. Recently in XXXX, I am now receiving correspondence in the form of a contract that shows amounts not reflective of the settlement. 
All of that should have been sent within a couple weeks of my payment ( XXXX ). 
I'm asking for your help because it appears that Truist does not intend to report this settlement as stated in the settlement letter sent to me - to credit agencies. 
Clearly they want to report numbers that they are not entitled to report. 
This was a total failure on the part of both XXXX XXXX XXXX and Truist. 
I don't intend to suffer the loss because of their gross errors, and continued refusal to send me a correct contract to sign reflective of settlement terms.
Product: Credit reporting or other personal consumer reports

Over several times, I have reached out to Experian, XXXX, and XXXX trying to update and correct the information on my credit profile. But for some strange reason, the credit bureaus refuse to follow the guidelines of the FCRA. According to the FCRA, there should only be XXXX address listed on your credit profile. Any address that is not deliverable to you through the XXXX Postal Service is inaccurate and should not be listed on my credit profile. 

XXXX. XXXX XXXX XXXX XXXX, XXXX, TN 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, TN XXXX None of the addresses above are deliverable to me through the XXXX Postal Service. Therefore, all XXXX of them are inaccurate and should not be reported on my credit profile. It is a direct violation of my rights under the FCRA.
Product: Credit card or prepaid card

Tried to make a payment on their mobile app and it selected the wrong financial institution to pull the funds. The Mobile app did not use the primary bank and now the bank they chose is charging us an insufficient fee charge of {$39.00} every time the credit card company attempts to retrieve payment. Both the credit card company and the incorrect bank have been made aware of this several days ago but neither will stop the process and each continues to charge me insufficient fund fees and return fees, which are adding up to hundreds of dollars. Neither institution is doing anything to stop it even though they know so they can continue to collect these fees. The credit card company is American Express and the bank that is charging the insufficient fund fees is XXXX XXXX. Both say the other institution is responsible for stopping the attempts for payment but both say they cant. American Express has received payment from the correct bank but continue to try and collect the money from XXXX XXXX and they claim there is no way we can stop this once it starts, it just has to go through its attempts which is 3-4 times. Every time they try, XXXX XXXX charges me {$39.00} in insufficient fund fees and American Express charges {$29.00} in return fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act this creditor has violated my rights. ( XXXX XXXX ). Under 15USC 81 1681 sec 602, states that I have the right to privacy. Section 15USC sec 81 604a sec 2 also states. A consumer agency can't furnished an account without my written instructions under 15USC 1666B a creditor may not treat a credit card payment open an under consume a credit plan for late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for house loan, preapproved with {$200000.00}. Only changes made to my credit report was a Bankruptcy fell off XX/XX/XXXX, Equifax and XXXX   both added 56 points to my credit, then 2 weeks later removed the 56 points and XX/XX/XXXX, I reapplied for house loan, with same banks XX/XX/XXXX   XXXX XXXX/XXXX  XXXX, and was denied by both, XXXX  and Equifax claiming that I have derogatoriness against my credit report and XXXX score, while XXXX  has no problems and I have XXXX score. I called today, XX/XX/XXXX to Equifax, they claim I have good credit and do not see derogatoriness, and would not discuss the 67 points they removed after my bankruptcy fell off XX/XX/XXXX. He would not tell me my current score, but recommended I talk to their credit advisors XXXX, who do not answer and automatically disconnected. I have been paying all my bills on time, and only have 1 credit card with low balance, they claim I am 20 % in debt, I owe less than {$800.00} with a credit of {$15000.00} left. They just claim that 5 hard inquiries dropped my score, which I would not have had 5, had they not XXXX up my credit scores in first place. I am ready to buy house and can not get loan! Every month XXXX keeps dropping my score -2 points XX/XX/XXXX, XXXX -XX/XX/XXXX XX/XX/XXXX -5 XXXX No score chg, XX/XX/XXXX -3 ptsXXXX -XX/XX/XXXX pt XX/XX/XXXX -XX/XX/XXXXpts, without any reason, XX/XX/XXXX +XX/XX/XXXXpts for bankruptcy falling off after 10 yrs, no other changes prior except XX/XX/XXXX XX/XX/XXXX pts. My bills are all paid on time. No problems, other than XXXX  and Equifax have illegal practices going on!!
Product: Credit card or prepaid card

I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my TD Bank/target card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to target to have this account blocked. I then spoke with target, and they said that the account was blocked because the credit bureaus had sent them a letter, stating that there was fraud on the account. This account was never in my initial dispute, or was any information provided by the credit bureaus for them to have this account blocked from being used. The creditor has not provided any proof of them receiving information from the credit bureaus to validate. I can also provide proof of my identity in a letter, stating that this account is not fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon examining my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX
Product: Checking or savings account

I seen a charge on my account of XXXX dollars. I looked at the purchase and I was at work during the time of purchase 3 hours away from the location! I contacted chime they filed a claim and 5 days later they denied this claim I reopened the claim and they denied it again chime has been doing this to allot of people
Product: Checking or savings account

I am filing a complain with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.