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

My Albert Corporation ( XXXX ) checking account/debit card was drained by XXXX unauthorized transactions at XXXX ( $ XXXX + {$25.00}, totally {$400.00} ) on XXXX. I've contacted the company continuously since then ( XXXX - XX/XX/20 ) and they refused to identify these transactions as a fraud after XXXX rounds of investigations. Please step in and help me to uphold my legal rights against this shady company!
Product: Checking or savings account

I am the Trustee of the XXXX XXXX XXXX Revocable Trust. XXXX XXXX is XXXX. She opened her CD in XXXX XXXX XXXX  Pacific Western Bank a year ago. Her CD in the amount of {$160000.00} matured on X/XX/17. In XXXX of this year, XXXX XXXX  moved into XXXX XXXX. She needed her funds for her care. I sent a letter of instruction dated XXXX XXXX, 2017 requesting full liquidation on the maturity date and included a deposit slip with transfer details. I was informed PWB could not transfer the money. I offered to come into the branch but it was now closed and the accounts moved to XXXX. I was advised the check had to be mailed. I did not receive the check. I made several calls and was advised to just wait. After many weeks I was asked to send a deposit slip and voided check so they could walk the check to XXXX XXXX XXXX  bank ( XXXX XXXX ) for deposit. I was then contacted by : XXXX XXXX  Assistant Vice President Branch Operations Manager Pacific Western Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX XXXX XXXX XXXX XXXX told me all previous bank associates were not giving me the correct information. They could not reissue the check because it was a cashier 's check. I would now have to complete a stop payment and declaration of loss and indemnity form before they could start the process, then wait 90 DAYS before reissuing. The form was ambiguous. I had my client 's attorney review. There are protections for the bank but not for the client. I do not want to sign this form.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit card

Captial one sent me a notification asking if I made a purchase from XXXX toll and I contacted them to inform them that I did not. My account ending in XXXX was closed and I was given a new account ending in XXXX. They refunded the amount {$120.00}. The following month XXXX submitted the same amount and it was approved. I contacted Capital One about this and questioned how this was possible when the same transaction was supposed to be blocked from going through and the company didnt have the new credit card information. They were unable to explain this other than saying they may have a program that allows them to find the new account number. I communicated that the charge was not supposed to be authorized. After their investigation they added the charge back and now my account is over the limit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a bankruptcy associated with my credit file. Despite previous disputes and your claim that the item was " verified as accurate, '' I have confirmed directly with the court that this information is neither reported by nor verified through them. This constitutes a significant misrepresentation or error in your reinvestigation process and is a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), Experian is required to perform a reasonable reinvestigation when a dispute is filed. By relying on unverifiable information attributed to the court, your investigation failed to meet this standard. Your response stated that the bankruptcy information was " verified with the court. '' However, the court explicitly confirmed that they do not provide any information to credit reporting agencies. This suggests either an error or a deliberate misrepresentation in your reinvestigation process.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name :, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX  ( XXXX )
Product: Debt collection

GM Financial is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/2018. 
GM Financials attorney Contacted me when I was attempting to settle said that GM advised me to call them and she gave me their number : XXXX. 
I called them and they told me an outside agency named XXXX is collecting on the debt now. Their number is XXXX - GM account number XXXX. 
I called that company On XX/XX/2018 I settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX balance. 
Now they won't return my calls and GM is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.
Product: Money transfer, virtual currency, or money service

6 payments of {XXXX to scammer/fake landlord via CashApp from XX/XX/XXXX to XXXX XXXX XXXX is the persons name and their cashapp handle is $ XXXX. It was supposed to be for a deposit in a property and turned out to be fake. Neither CashApp nor XXXX XXXXXXXX XXXX was any help whatsoever, despite numerous impassioned requests for investigation. Additionally, no one seemed to be interested in pursuing the scammer whos email is XXXX and phone number is XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, On my XX/XX/2022 credit report you have a wrong address for me- please have this removed. 

attached to this complaint are : - drivers license - social security card - address - complaint - screen shot where it is located Please remove my wrong address as soon as possible
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I have not received a mortgage statement for many years, despite the fact that I am entitled to receive one by federal regulation. It makes it very hard for me to know how much I owe.
Product: Credit reporting or other personal consumer reports

I noticed XXXX XXXX XXXX SS ON MY CREDIT REPORT A WHILE AGO. Disputed several times with all documentation. Experian lacks communication and shows severe neglect. All they have done is update the account to current each moth instead of blocking and deleting. My next step is litigation Im well aware of the XXXX ongoing XXXX XXXX going against them for their neglect and malpractices I wont hesitate!!!
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX Date of Inquiry XX/XX/year>
Product: Debt collection

XX/XX/XXXX, A call was transferred to me stating it was XXXX XXXX from XXXX XXXX in XXXX, Arizona and she needed to speak with you. When Representative started speaking, it made me assume my husband was in the hospital. Then XXXX XXXX went into a discussion that she is attempting to contact my husband for debt from XXXX and XXXX. I informed her I do n't discuss my husbands bills and she needed to speak with him. She said if I do n't hear from him by XXXX today, I will have to turn you in and this will also destroy your credit since you are married to him. I hung up, text my husband and asked why am i getting a threat at work when its not my bill. My husband reached out to the company, they were rude said that the company wants their money and its been 3 years. XXXX XXXX explained to my husband they pulled my credit report, and was like WOW I 'm impressed that i could buy a car, she refinance her house, and she was doing very well for herself. She then states to my husband that she pulled his credit and said looks like your trying to clean up your credit I see. I did n't give permission for this collection company to pull my credit, I never provided my social security to this office or the XXXX center. All I have ever provided was my insurance card as i was the cardholder. XXXX XXXX threatened my husband if he did n't respond back by Friday she will start garnishing his wages. I called XXXX XXXX back to go over the dates as my husband was in no hospital or had XXXX in XXXX. XXXX XXXX informed me it was a mistake on their office they will fix the date. At this time I asked XXXX XXXX who are you calling from as I was not informed of the Company name at the time of our first discussion. She informed me she worked for TCS. We hung up and I researched company online. I was given acknowledgement that TCS had faxed my employer twice for Job Verification, included my social security on fax that was accessible to the public. XX/XX/XXXX, a call was left from TCS from a XXXX XXXX at XXXX XXXX. I was not at work so I did not receive the message until XX/XX/XXXX. I received mail on XXXX, showing that I was the patient, it was my procedure. I did not have XXXX with XXXX XXXX. This company is putting false information. XX/XX/XXXX, I faxed a cease and desist communication to TCS to not contact me or my employer. confirmation fax received that company received.
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple credit disputes were filed with the XXXX credit bureaus ( Equifax, XXXX, XXXX ) regarding a car loan with XXXX. The account has been closed and paid off with XXXX  ( XX/XX/21 ) and yet it is not reflected on my credit report. In each dispute with the credit bureau, loan payoff documentation was provided. 
Equifax ( file # XXXX on XX/XX/21 and XXXX XX/XX/21 ) XXXX XXXX file # XXXX on XX/XX/21 ) XXXX ( file # XXXX on XX/XX/21 ) Additionally when the results came back I sent letters to all XXXX bureaus with a consumer statement on XX/XX/21 and it is still not appearing on my credit report. I fought with Equifax on XX/XX/21 and they admitted they got the statement and stated that it was added but refused to address the issue of the incorrect information added in XXXX on my credit report. 

I have been unable to contact XXXX XXXX or Equifax as they do not allow options to speak to someone. Just seeking assistance is getting the consumer statement and information updated to my credit report.
Product: Vehicle loan or lease

I went into my account on XXXX to process my payment prior to the due date of XX/XX/XXXX. In an attempt to process the same day. The system would not allow for a payment to be scheduled until XX/XX/XXXX!! This making my payment over 30 days delinquent and I do not want or need an over 30 on my credit report. There should not have been any reason that I can't make a payment 24 hours a day 7 days a week on the internet and schedule it the day of. 
Even if they have a cut off I still should have been able to schedule the payment for XX/XX/XXXX This is not right and as a consumer I should not have an over 30 mark. 

This is the second time that I have become a victim to this with capital one. When I received an extension when COVID 19 hit I processed the extension and they still have an over 30 on by bureau from that time frame when I processed the extension well before my due date I need both of these marks removed
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX  for code of ethics violations.
Product: Debt collection

INFO WAS STOLEN AND SOMEONE APPLEIED FOR A WELLS ACCOUNT.
Product: Credit reporting or other personal consumer reports

Synchrony Bank decreased my limit a second time for no reason and hurting my credit score bringing points down. The notice from XXXX below. This is the second time Sychrony Bank has done this on me. I make at least my minimum payment every month. Synchrony Bank is extremely predatory, and something needs to be done with their practices. I have seen a lot of complaints from other consumers in regard to this and other predatory practices. 
My limit started of with XXXX. 
My Notice by XXXX : Between XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the limit on your SYNCB/LOWES credit card decreased by {$310.00} from {$1900.00} to {$1600.00}. 
A drop in your credit limit can lead to a higher Credit Card Utilization rate, even if your balance doesn't change.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 1602 A States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

i, XXXX XXXX am a victim of identity theft. Carter young is attempting to collect a debt that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A review of my Experian Credit report on XX/XX/XXXX, identifies inaccurate information in the " Comments '' section of the Experian report. 

Specifically, the " comments '' section of the Experian report has an annotation that reads : Account was in dispute-now resolved-reported by subscriber. Account previously in dispute - now resolved, reported by data furnisher. The comment section also identifies, in parenthesis the wording " To be used for FCRA or FCBA disputes ). 

The account referenced by Experian is a XXXX XXXX XXXX  personal automobile loan account, # XXXX, that has never been in " dispute '' at all. In fact, the monthly payments of the loan were always consistently on time and the loan was fully paid off on XX/XX/XXXX. 

XXXX XXXX XXXX  does NOT dispute the fact of MY consistent and on-time payments for the former loan, and that the account is now fully paid off without a dispute or delinquency. However, XXXX XXXX XXXX has acknowledged their ( Bank ) error in NOT reporting monthly on-time payments to the credit reporting agencies ( Experian ) during years XXXX, XXXX and XXXX. Nonetheless, Experian has reported a previous " dispute '' action in the Experian credit report. Experian 's " comment '' section is inaccurate. 

I have initiated correspondence to XXXX XXXX XXXX, advising XXXX to make prompt correspondence with Experian as a means to correct the inaccurate credit-reporting " dispute '' information. 

XXXX XXXX XXXX, as the former creditor of the consumer, had reported timely payment history to Experian as of XX/XX/XXXX, accurately identifying all payments in the past as on time and the account satisfactorily closed. Still, the " dispute '' inaccuracy is evident in my Experian file and is likely to have adverse consequence to the consumer if that inaccurate information remains on the Experian credit reporting file. 

I've attempted to contact Experian through " sign-in '' without success. In fact, Experian recently improperly charged me {$21.00} when I actually had agreed to pay Experian the sum of {$1.00} for a FICO score, only. This billing issue with Experian is separate and distinct from the Inaccurate Information issue with Experian.