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

XXXX I deposited a {$4900.00} check at my bank. The teller tells me the check will be on hold a few days and I could not withdraw from it till it cleared. XXXX Monday XXXX I go online and see the check has cleared. Later that day, I make a payment of {$4300.00}. Tuesday morning XXXX, I go to my account to pay a bill and see I am overdrawn more than XXXX bucks. I take {$3000.00} out of my business and make a deposit to cover the overdraft and pay a bill until I can find out what happened. Next day I called the bank and they told me the check was no good. How could that be I ask because it showed in the plus column. Their answer was, the teller who took the check never put it on hold. XXXX prevention calls to question the check. I tell them the same people had written a check to me XXXX weeks prior and there were no issues with it. As a result of that, they have put my account on hold waiting to see if there is going to be a problem with a check that has cleared. I can't pay bills, buy food nor gas and I'm out {$4300.00} of my hard earned funds because of their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$420.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Last month when I tried open a new bank account because of issues with XXXX XXXX checking account I found I had a Chase account bank account. Chase told me the account was closed and they would do further investigation to see about getting me information legally to me.. you spoke since quoted did it hurt my credit record I quoted I have to write to know about all things on my credit record whether it was harmful or not. And I wanted to know what activity was done in my name because i am the victim giving fraudulent and scammers rights over a American Citizen who is not taking from a innocent who gives Chase bank the right to say no activity on the account for years and i said thats seems odd to keep the account open with no activity for years and told the account was closed. I called the Fraud Department of Chase twice to get a confirmation number case number or something. Spokesman told me he had to do his research to see what could be disclosed to me.XXXX late that night XXXX? early morning i was looking into getting a buying a house loan to get my mail properly and grow. Applying on Chase House Loan i was informed i all ready had a Chase account. AGAIN My research determined rocket was a house leaning company. I never got a refund for the ACH transfer rocket to business.Transaction that was charged to my personal bank account. IF Chase had closed my account two months later it should not be the issue when i log into a Chase website to find out i still have a bank account with chase not only that but i was in the housing loan department not the bank department and informed i allready have a account? AGAIN and no proper professional.truth about what rights i have as a victim of this incident by a higher up, inform to speak with me about the issue.
Product: Credit reporting or other personal consumer reports

EARLY WARNING services XXXX XXXX Sold my personal information 15 USC 1681 section 602 a states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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
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. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Product: Credit card or prepaid card

THE ONLY CHECK I RECEIVED IN XXXX CAME VIA USPS. SOMEONE CALLED AND LEFT A VOICEMAIL THAT DID NOT SAY I HAD TO CALL BACK TO CONFIRM I HAD RECEIVED THE CHECK OR YOU WOULD STOP PAYMENT ON THE CHECK THAT CLEARLY STATED ON IT THAT IT WAS VALID FOR A YEAR!!!! THE LETTER I GOT ALSO DID NOT SAY I HAD TO CALL AND CONFIRM RECEIPT SO THE STOP PAYMENT WAS ILLEGAL AND COST ME AN ADDITIONAL {$15.00}!!!!! WHOEVER CLAIMS THEY SENT A SECOND CHECK IS A BOLD FACED LIAR!!!! NO SECOND CHECK WAS SENT!!!! ALL I GOT WAS A RECEIPT FOR THE CHECK SENT IN A FED EX ENVELOPE AND DELIVERED TO MY FRONT DOOR!!!! THAT'S A LOT OF WORK FOR A USELESS PIECE OF PAPER!!!! BUT AGAIN, NO ONE CALLED TO CONFIRM I RECEIVED A CHECK THAT I HADN'T AND NO ONE MADE ME CONFIRM I HAD RECEIVED THE SECOND CHECK THAT I HADN'T!!!! DID YOU STOP PAYMENT ON THAT ONE AS WELL BEFORE YOU SUPPOSEDLY SENT A THIRD CHECK THAT YOU DID NOT SEND???? ALL I GOT IN XXXX WAS ANOTHER RECEIPT FOR A NON-EXISTENT CHECK DELIVERED IN A XXXX XXXX ENVELOPE TO MY FRONT DOOR!!!! AND AGAIN NO ONE CALLED TO MAKE SURE I RECEIVED THE NON-EXISTENT CHECK!!!! ONLY ONE CHECK WAS SENT AND YOU ILLEGALLY STOPPED PAYMENT ON IT BECAUSE OF SOME STUPID POLICY YOU APPARENTLY MADE UP AFTER THE FACT!!!!! YOU STOLE MY MONEY TWICE AND I WANT ALL OF IT - {$50.00} - RETURNED IMMEDIATELY!!!!! THIS IS 100 % ILLEGAL AND COMPLETELY INCOMPETENT!!!!! I ALSO NEED THE NAME OF THE STUPID PERSON SENDING THE LETTERS WITH WRONG INFORMATION AND LIES!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports me as an authorized user for a vehicle charge-off XX/XX/2014 and still reporting negatively on this account that is not mine. I am not a joint-owner nor did I co-sign, also I am not married never was therefore not a spouse and not held responsible!
Product: Debt collection

This complaint is on XXXX. 2 1/2 years ago I called XXXX and ordered service. They shipped me the equipment to hook-up and begin my cable service. When the equipment arrived, I hooked the cable box up as directed, but it did not work. When I called XXXX back, they changed their story. Originally, they said a tech visit was unnecessary b/c the home had previously had XXXX. Now since the box did not work, XXXX wanted to charge me for a tech to come out and they did n't have one available for 2 weeks. This made me angry, because they were wasting my time and this is not was I was originally told when I started service. I shipped the equipment back. Fast forward a few weeks later, I received a bill from XXXX that I owed XXXX dollars. It took me literally 10-13 phone calls to XXXX, requesting that this be taken off, or to speak with a manager, etc. Finally after a few months I went to my local XXXX store and was told that they removed the charges, since I NEVER ACTUALLY HAD OR USED THEIR SERVICE .... EVER!! Now 2 1/2 years later, a collection agency from XXXX pops up on my credit report! I never even received a call or letter from either company notifying me of this debt! My spouse and I are literally in the middle of repairing our credit to buy a house. This is really messing things up for us. To make matters worse, when I called XXXX, they can even find our account using our name or phone number or address. What a waster of my time! This company should be shut down! I would n't use XXXX if THEY PAID ME A {$1000.00} A MONTH!! How do I get this debt taken off of my credit report? And can I sue them for falsifying information and lowering my credit score? Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a collection account listed on my credit report. This is a fraudulent activity and must be DELETED IMMEDIATELY. The account in question is XXXX. I believe this account to be erroneous and request that it be removed from my credit report immediately. I dont know who you are representing because I dont have any business with XXXX XXXX XXXX XXXX  you claim you are representing. Upon Pulling my credit report profile, I can not trace this collection to any lender. 
To substantiate the validity of this debt, I request that you provide me with a copy of the purchase agreement or assignment contract between the original creditor and XXXX XXXXXXXX XXXX. This documentation will help me establish that XXXX XXXX XXXX has the legal right to collect this debt. If the collection account can not be substantiated with proper documentation, I expect it to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are actively reporting incorrect information. Both credit reporting bureaus are reporting that I was late on my XXXX payment for XXXX XXXX account # XXXX. The payment was due XX/XX/2021, And according to XXXX XXXX, they received payment on XX/XX/2021. I written and notified both bureaus multiple times. XXXX fixed the discrepancy and the again posted incorrect information the following week without notice. Experian is complete refusing to investigate and said that as long Credit acceptance verify incorrect information, they will report incorrect information as such. 

XXXX XXXX XXXX acknowledges incorrect information their reporting and continue to verify incorrect late payment. They confirm that they received legitimate dispute for late payment and continue to report i was late. 

According to FRCA federal law, a account can NOT be reported as late until it is 6 days past due. 

I was only 6 days past due according to XXXX XXXX XXXX. Billing statement.
Product: Debt collection

I was contacted multiple times throughut the day and when i had a moment to answer the guy on the other end was very rude and called me stupid because i said i couldnt pay the debt he then called me stupid because i didnt recognize the debt and he again called me stupid and stated that they bought the debt and could collect even though i explained my situation. That i was unable to pay any debts as my significant other is suffering from a mental disorder and that it took precedence over paying. also they went around me when i didnt respond the first few times and called my mother and sister whom do not live with me.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Checking or savings account

XX/XX/XXXX, the bank was instructed not to honor any ACH debits from XXXX XXXX. There were some issues that were eventually resolved after a complaint was filed. 
However, the problem has happened again. 
On XX/XX/XXXX the bank honored 2 ACH debits from XXXX XXXX. I called numerous times with no results : XX/XX/XXXX - Was told the would be credited within 48 hours. They were not. 
XXXX/XXXX/XXXX - XXXX stated she would research it and call me back. She did not call back. 
XX/XX/XXXX - Spoke to XXXX. She told me the ACH instructions had expired, and I would have to fill out new forms, which would be sent to me within 10 days. Once I returned the signed forms, the bank would respond within 45 days. 
The ACH did not expire, as there was subsequent ACH charges that were allowed and then credited back to my account. 
I believe i was lied to and decided to reopen the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported my account closed due to chapter XXXX wage earner plan on XX/XX/2019. I filed a dispute with XXXX  and Transunion on XX/XX/2019 and they both claimed negative information is correct. I called XXXX MasterCard directly on XX/XX/2019 they told me they would open an investigation and for me to call back in 7 to 10 days. I have never filed bankruptcy or missed a payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted credit Karma on XX/XX/18 filled out the information to include my ss # and then they blew me off saying an error occurred so i re entered my ss #. and they came back with a page that said they wanted photographic proof of documents and to send them via fax ..i tried to complain that i felt it was wrong that they took my ss # then threw a wall of XXXX in front of me and well, now they have my info and i have nothing .i did tell them i was going to file with you folks and they put up another page telling me that i had something going on with my identification they asked for photo copies of my drivers licence.?? this just seem over the top to me and im concerned they are not who or what they claim to be.. 



STEP 1 Create your account STEP 2 Tell us who you are STEP 3 Confirm your identity Validation Failed We're sorry, but the answers you provided did not match the information on your credit report. We will not be able to grant you access at this time. 
This process is necessary to ensure our commitment to protecting user data. 
We need to double-check your identity To help us verify that youre really you, we need to see photos of your ID. 

Option 1 : Verify with your phone ( recommended ) Quickly snap and send photos of your ID with your phone for instant verification. 

Continue to phone verification Option 2 : Mail or fax photocopies Follow the instructions to print and send us photocopies of the required documents. Our Member Support team will follow up with you by email ( usually within 5 business days of receiving your documents ). 

1 ) Please provide two ( 2 ) copies of Identification. You must include one ( 1 ) document from each of the categories listed below, one ( 1 ) Primary and one ( 1 ) Secondary. All documents must be valid ( expired forms will not be accepted ). 

Primary : Driver 's License or State ID Passport Green Card /Temporary Resident Card Birth Certificate Secondary : Another Primary Document Social Security Card Utility Bill. ( Address must match at least one on file with XXXX ) 2 ) Mail your documents along with the email address associated with your Credit Karma account to the following address via postal mail : Credit Karma XXXX XXXX XXXX XXXX XXXX, CA XXXX If you have any questions, please do not hesitate to contact us. 

( again. they have my info my ss # and i received this in return )
Product: Money transfer, virtual currency, or money service

I attempted to purchase a XXXX for my daughter on what I thought was the actual XXXX website. I completed the purchase using my PayPal account, as I believed that was the safest way to complete any online purchase. After completing the purchase I went to my email noticed the PayPal receipt showed a non-verified XXXX account as the seller, and immediately logged into my PayPal account. The seller was from out of the country, and was showing a name I had no idea who they were. I checked my inbox and had no receipts from a purchase other than from PayPal. I went back to the site and realized it was XXXX.XXXX  NOT XXXX.XXXX  which is the verified and true XXXX  company site. The fraudulent site looks just like the real site. I have never had an issue with a purchase before, or had to fight anything on PayPal before so had to look up what to do within their help instructions. I immediately disputed the purchase, and had to wait to see what PayPal would do. I put in the information based on what I knew to be true, and waited. They replied over night, and the next morning I discovered they said I had no claim to dispute and were closing the case. Based on the fact the seller had immediately completed the sale and taken my funds, my only recourse was to email this person and request a refund. I had done that the night before, but did it again that morning as well. I still have not received a reply from this seller. I have tried to contact PayPal via phone, but they are not taking calls due to Covid. I tried chat, but it is a Bot, and it prompts me to do a dispute, then tells me I can not as I already have done one and it is closed. I was forced to contact my bank and they are going to try and dispute it for me, as the money was pulled from the already. This transaction was placed on XX/XX/2020 through PayPal Transaction ID : XXXX for {$130.00}, Dispute Case # XXXX I do not know what else to do. This site did not provide me with information for a sale, they should not be taking PayPal for purchases, they are not verified, they are fraudulent, and I did not have PayPal support to assist.
Product: Credit reporting or other personal consumer reports

In XXXX of 2020 there was a late payment from capital one reported to my account. I reached out to them and they said that there are no late payments being reported from them. But it is still on my credit report. I would like to have this removed since it is wrong information.