23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect items on my TransUnion Credit report. I have directly contacted the creditor, XXXX XXXX XXXX XXXX XXXX to verify that these 2 accounts are NOT Adverse accounts and have actually been paid off in good standing, never late and paid in full by myself. I filed the first dispute on XX/XX/XXXX and verified that these accounts were paid in full and NOT closed due to a Bankruptcy. Transunion did not change the status of these accounts. I filed another dispute on XX/XX/XXXX and mailed in more supporting documentation ( Bank statements showing both accounts paid in full, Mortgage Refinancing documentation that showed funds from my refinance paying off one of the XXXX XXXX accounts, Chapter XXXX documentation that verified that XXXX XXXX was NOT a creditor in my filing, as I paid all XXXX XXXX accounts outside of the Chapter XXXX ). They again, have refused to change these accounts on my credit report. I contacted the manager at XXXX XXXX XXXX XXXX XXXX that personally contacted Transunion and verified that all of my accounts were/are in good standing and paid in full. Again, Transunion will not change the status of these accounts. I filed another dispute on XX/XX/XXXX with the writtten documentation from XXXX XXXX XXXX XXXX XXXX that these accounts are in good standing and paid in full. I spoke with Transunion representatives both on XX/XX/XXXX and XX/XX/XXXX and they told me they are not changing the status of these accounts, even with files and files of documentation from bank statements, formal written communication from the credit union, etc. Transunion refuses to change these accounts and therefore, I wish to file a claim against them and if not satisfied, I will then proceed with filing a legal lawsuit again Transunion, as it has now cost me thousands of dollars lost due to the decrease in my credit report score. I have included in this form, all of the documentation I have sent Transunion, including bank statements showing payoff dates/amounts, refinancing paperwork showing payoff to XXXX XXXX on the second mortgage account, Chapter XXXX discharge ( XXXX XXXX was never a creditor in this case, as I paid all XXXX XXXX accounts myself ) and a written statement from XXXX XXXX that these accounts were paid in full and NOT closed due to the Bankruptcy.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased two American Express XXXX XXXX XXXX with a total balance of {$1000.00}. 

On XX/XX/2022, I found two transactions ( one on each card ) wiped out all of my balances on the two cards. 

I called XXXX in relation to this matter, and they told me that they were unable to recoup the fund despite existing rules on Electronic Funds Transfer. 

The card numbers are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent complaint I filled in regard to 3 XXXX and XXXX XXXX accounts on my credit report XXXX and EXPERIAN verified the debt was accurate XXXX in turn could not verify the debt and it was removed the process took over 44 days for me to be informed that they verified the debt 14 days longer then required in other instances I have also asked the creditor and the bureaus to show me the signed original contract with my signature agreeing to the debt in which I have not received any paperwork on I feel like 2 or the 3 bureaus haven't really tried to resolve this problem as the only response I get is verified as accurate even when I can't get the information I have asked for on many occasions
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. XXXX XXXX - XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$5000.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$670.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$23000.00}. I dispute the missed payments and late payments on this account. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$6200.00}. XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX with a balance of {$250.00}. XXXX XXXX XXXX  and a balance of {$2000.00}. XXXX XXXX XXXX with a balance of {$1000.00}. Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX from XXXX on XX/XX/XXXX. Inquiry from XXXX XXXX on XXXX from XXXX on XX/XX/XXXX. These accounts have resulted several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble deleting TOYOTA MOTOR CREDIT tradeline from my consumer credit report. I have asked the credit reporting agencies on several occasions to delete the account, or UPDATE the account as I have pointed out all the VIOLATIONS they are reporting, XXXX has deleted the account but XXXX AND XXXX are still reporting this account. not only are they not abiding by regulation V to establish and implement reasonable procedures regarding the accuracy on my credit report XXXX XXXX XXXX
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. Account name : XXXX XXXX BA # 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 Account name : XXXX XXXX XXXX XXXX  XXXX  # XXXX Account XXXX : XXXX  XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX, Account name : 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: Checking or savings account

I am filing a complaint against Chase Bank for an unresolved issue that has caused significant financial and operational challenges. I opened a business account on XX/XX/year> and deposited a check for XXXX from my business partner, written in my nickname rather than my legal name. Although similar deposits have been successful in the past, this time, the check was flagged. 

On XX/XX/year>, the fraud department contacted my business partner to verify my name, but verification was denied due to an address discrepancy. This issue arose from a recent address change, yet the bank has not offered any means to resolve the problem. Despite daily calls and attempts to provide supporting documentation, I have received no clear guidance or assistance, and my business account has since been closed with the funds suspended.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOWING [ XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX Account # XXXX ], If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681e ( b ) - Accuracy of report 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a written response from your institution confirming that corrective measures have been taken. 
Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.
Product: Money transfer, virtual currency, or money service

Last XX/XX/year> I reached out to a person named XXXX XXXX from the XXXX page XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which said that she is a verified breeder. I paid for a security deposit of XXXX $ for a puppy which she said will be ready by XX/XX/year>. I also paid XXXX $ for the puppys food which she said is not commonly sold in the market. On XXXXXXXX XXXX XXXX she asked for the remaining balance of XXXX . All the transactions were paid through XXXX XXXX. On XX/XX/XXXX at around XXXX, I went to check the XXXX page and apparently I couldnt find it anymore. I called her and several times to verify what happened but she wasnt answering my calls. She replied later on and asking again for XXXXusd for paperworks she said I requested. I refused to pay her and told her that I already completed my dues and I will not pay more unless I have the puppy. She told me she would find another buyer since I do not want to pay and I never received the puppy.
Product: Money transfer, virtual currency, or money service

Paypal close my account on XX/XX/2020 for no reason and will not help me with getting it back up and going, with an amount of aproximately $ XXXX.i am not sure if this is some mistake as i assume it has to be.I have not able to get help from them for months, but i just remembered i could file a report on here as i feel they are not doing there job properly and it is affecting me a great deal as i used paypal quite frequently.My email linked to paypal is XXXX.
Product: Credit card or prepaid card

I was charged an incorrect amount for a 4 night hotel stay at XXXX XXXX XXXX XXXX XXXX. I disputed the transaction with Chase Bank and submitted all proof, but they came back and denied my claim. 
In my opinion, the proof I provided them made it very clear that I was charged incorrectly. 
Unfortunately the hotel would not rectify the problem so I was forced to contact my credit card company for assistance with a dispute. 
Chase did not provide an acceptable resolution even when presented with facts that clearly shows I was charged incorrectly.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2020Amount : {$2300.00} I filed a claim against Bank of America for {$2300.00}. 

Unfortunately, I was robbed while in XXXX. During this event my wallet and phone were stolen. Once I was able to regain a new phone. I called XXXX XXXX. Which was the app that was used to send the money. I filed a claim against the transaction with XXXXXXXX XXXX. 
After they reviewed it. I learned that XXXX XXXX was strictly a third party and Bank of America approved and sent money. 

With this new information. I contacted Bank of America and explained the situation to the fraud and claims department of Bank of America. 

On XX/XX/2020 I filed my initial claim against an unauthorized transfer on my Bank of America account. 

This initial claim was disapproved on XX/XX/2020 

I called Bank of America to gain additional information about my claim on XX/XX/2020. 

Their reasoning to denying my claim is that I did not file the claim immediately and they noticed activity on my online banking account. 

In my defense, I stated I was robbed. I was unable to get a new phone immediately. Due to the global pandemic everything is delayed. 

I told Bank of America how the activity on the account was not me. I was out of a phone for nearly 5 days. Once I got a new phone and noticed the charge. I contacted Bank of America to file a claim as soon as possible. 

I have had this account with Bank of America for over six years and I have never sent this much money before. This large amount of money was never flagged or alerted. I did not receive an email stating that money was sent. The lack of accountability Bank of America is taking is very unprofessional. 

Today,XX/XX/2020 I reopened the claim. With hopes that the additional information given will get my funds back. Im also filed a claim with occ to make sure my case is taken seriously and thoroughly reviewed.
Product: Money transfer, virtual currency, or money service

Bass claim number : XXXX The client was a victim of a scam beginning with Credit Card fraud . Multiple emails from Bank of America including the last 4 digits of my account were sent to me. According to the Credit Card company the push notices should not have been sent. I received a text on XX/XX/XXXX that money again was being taken from my account. Do I want to acept the charges. I replied no. Immediately a phone call came and I was told a Bank of America was calling about money being wired out of my account right now. I was told to rewire the amount to my name to XXXX XXXX. I repeated this the next day. I was not aware of this being a scam. I am XXXX XXXX XXXX and never wired any amount ever. I received nothing from Bank of America that this was a scam and not to proceed. I believe I was not protected at all from this scam. They are criminals and I was afraid and away from home at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX show that account number XXXX has a balance of {$8000.00}, this account is fraudulent charged and I am requesting you to remove this from my credit file, I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file immediately
Product: Credit card or prepaid card

I received a credit card in the mail that I did not open. I also received information about an opened savings account that I did not open. I contacted the company Navy Credit Union immediately and they closed the account.
Product: Debt collection

I went in for a doctors appointment on XX/XX/2014 I paid {$170.00} which was my co-pay plus I paid a {$20.00} co-pay and then I put another {$27.00} co-pay my insurance paid {$270.00} they are saying that we still owe {$270.00} they refused to take this off of my credit report and when I try to call they are rude and wont listen to what I have to say.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing several serious violations of the Fair Credit Reporting Act ( FCRA ) and related laws that have occurred regarding the handling of my credit report and personal information. These violations involve inaccurate reporting, unauthorized hard inquiries, and deceptive practices that have caused me undue stress and harm. 

Specifically : FCRA Section 616 : The credit reporting agencies accepted and reported credit information about me without verifying its accuracy, which constitutes willful noncompliance and could result in civil liability of up to {$1000.00} per violation.

FCRA Section 603 ( d ) ( 2 ) ( A ) : They failed to disclose my right to opt out of sharing personal information, violating my consumer rights and engaging in deceptive practices.

FCRA Section 623 ( a ) ( 3 ) : They furnished inaccurate and improperly validated accounts and inquiries, failing to meet the standards of accuracy required by law. 

FDCPA Violations : Creditors and debt collectors engaged in unfair practices by reporting inaccurate debts and harassing me with unwarranted contact based on unverified information.

Disclosure Violations : Debt collectors improperly shared my personal and debt-related information with third parties, violating regulations on acquiring location information. 

Inaccurate Reporting of Late Payments : They reported " late payments '' without defining or substantiating what qualifies as late, which is both misleading and a breach of accuracy requirements. 

Unauthorized Hard Inquiries : They allowed hard inquiries to be made on my credit report without my written consent, violating permissible purpose requirements under 15 U.S.C. 1681b ( a ) ( 2 ).

Incorrect Finance Charge Determination : They failed to accurately calculate finance charges, leading to further inaccuracies in my credit report. 

To resolve these violations, I demand the following actions : Update the status of my XXXX account to " paid as agreed, never late. '' Delete the inaccurate collection accounts for XXXX XXXX and XXXX if they can not be verified as 100 % accurate across all three credit bureaus. 
Remove the unauthorized hard inquiries from XXXX and XXXX XXXX on the specified dates. 
Correct or delete all other inaccurate and unauthorized entries from my credit report. 
These issues demonstrate clear noncompliance with the FCRA and other consumer protection laws. If not resolved promptly, I am prepared to pursue legal remedies to enforce my rights.
Product: Checking or savings account

On XX/XX/XXXX, I received the payrolls of {$2000.00} and {$340.00} posted on TD Bank, and I withdrew {$4000.00} and deposited money into Chase Bank to pay off my Chase credit card. I successfully opened an Amazon Prime credit card with Chase and paid it on time as always. 

On XX/XX/XXXX, I received the payrolls of {$2100.00} and {$670.00}, which were posted on TD Bank. I took {$4200.00} and deposited it into Chase bank to pay off my credit card. 

The tax has been withheld from both the deposited funds ( {$4000.00} and {$4200.00} ), and the money is legal. 

I've been a faithful Chase customer and Amazon and the XXXX XXXX XXXX. Please do not cancel my accounts ; I have applied for Chase checks, and I can transfer payroll from TD to Chase. I didn't open a TD bank credit card because I was afraid of any impact on my credits.
Product: Credit card or prepaid card

I purchase the Vanilla gift cards to hand out as incentives to my clients and when the client or myself open the cards they are already drained or partially used, this happens 8/10 times where I have to now stop using them
Product: Credit reporting or other personal consumer reports

To whom this May concern Ive had multiple disputes about accounts reporting on my credit report. These accounts have been disputed with transunion, XXXX and XXXX. I have filed a FTC report and have tried multiple attempts to remove these. I have paid all accounts I ever had as agreed and always paid my bills on time. Someone had access to my name & information while I was XXXX  and putting things in my name. I paid all my bills off and had all my business affairs handled before hand. 

XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX  XXXX Now that Im no longer XXXX  I am monitoring my credit closely and trying to restore my life again. These inaccurate reportings are prohibiting me.
Product: Debt collection

New Era Assets has called my work and family members for a debt that I have paid on from another collector
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Repeatedly this company does not credit payments correctly. We pay regularly every month, have never missed a payment or been late- but they company has on multiple occasions accused us of being late. They are hassling us right now about a " late payment '' that was paid and the month after that has already been paid. The can not seem to understand and it is so simple - we send a payment during the last half of the month around the same time each month and the bill pay check is always noted " for the XXXX of NEXT month ''. Yet they think the money they just received during the last half of the month is for the current month which was due on the XXXX and they think it is late. This is not rocket science and yet we have explained it over, and over, and over. I have bank records I have provided which verify the payments and it is very regular. It shows every month payment made and rec 'd by the mortgage company before the due date- on time! Not late! This should be managed automatically by computer. They should not have to think about it. This is not hard to understand. I am at wits end. I have wasted hours arguing with these people. Once the credited the whole payment to principal and then came after us for the payment which they said we missed!!!!

Also when county taxes went up this year I waited and waited to see when I would get notice so I could adjust the amount due. I had not yet received a notice from the mortgage company when they again came after me for non-payment - I had paid, just not the amount they needed which they never notified me of. I called them. They said they notified us- did not! Never got anything- still have not!!!