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

XXXX XXXX account # XXXX. I received a notice from XXXX XXXX stating that this account was pas due. I knew I didn't have an open account with XXXX  so I cent a certified letter to them which they received asking for information on the account because i didn't have an account with them. I never received anything further from XXXX. I received an alert from a credit monitioring site stating that an account on my credit was just marke as 30 days late. I called XXXX   and they told me that I had a Streamline account and that the yearly fee had been assesed. I informed XXXX that I no longer had a Streamline account with them and this account was closed months prior if not a year. I don't even have a checking/savings/or loan account with XXXX  anymore so I asked her how was it possible to have a fee assessed on a closed account. This streamline account was one that I was approved for {$500.00} that I could barrow money from the account and make monthly payments until the barrowed amount was paid back. XXXX  closed this account long before I left the bank totally. The account was in good standing and had been closed and updated on my credit file for several months to a year. I do not understand how this bank could charge a {$25.00} fee on a closed account that they closed and how could they add a 30 day late to an account that was closed but in good standings. How would I pay a yearly fee on an account that was closed, one that I didn't even have access to because it was closed and I don't bank with XXXX since XX/XX/XXXX. The person I spoke with at XXXX XXXX on XX/XX/XXXX stated the account wasn't properly closed which I don't understand wither because it was closed long before this happened and it showed on my credit report which I can provide to show that it was closed. I then proceded to ask the lady from XXXX  ok, clearly this was a mistake on XXXX part so how do I rectify this incorrect information on my credit report that you all reported and she told me that she could send a note to her lead but this was something that I would have to take care of by disputing with the credit bureaus. Why could it be so easy to report incorrect information but not go back to update the credit bureaus with the correct information? This account was never late as it had been closed and in good standing. She removed the charges fromt the closed account said that she believed it wasn't properly closed which I don't believe is true because I showed on the XXXX  account that it was closed and it showe on the credit report that it was closed. Waking up to a 51 point drop in a credit score because of a mistake by XXXX  is not fair and then the XXXX  rep acted as if she didn't care. I have disputed this with Equifax and XXXX and it's not on XXXX and the account is as it should be on XXXX  ( in good standings ). I have attached Pictures from my credit report to show that this account was closed as XXXX  closed it OVER a year ago. They late was added the end of XX/XX/XXXX or first of XX/XX/XXXX.
Product: Debt collection

I sent a letter in the mail on XXXX XXXX 2023 to XXXX XXXX Notice received XX/XX/2023 from XXXX XXXX Notice. I didn't get any response back for debt validation or verification that the debt belonged to me instead the collection company raised the amount balance on the credit report. XXXX XXXX has failed to respond back to me for more than XXXX calendar days. I have requested that the collection report on my credit report remove imminently. 

Note : Please see the attachment letter that was sent to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is taking brief snapshots of the credit balance on my credit card, even though I have been paying off full balances within 2 days, before the " due date '' ( in order to keep our score high ), and " reporting '' it as " an event '', which apparently is driving down my FICO score, if only temporarily. 

They are then using this very short term cc balance increase ( that I pay off almost immediately ) to put downward pressure on my FICO score, to apparently try and sell me services which will help to improve my score. 

I received this alert on my cc balance ( that existed for maybe 2 days ) 1 day after I had paid the full balance. The alert was received on XX/XX/XXXX. 

They have a major conflict of interest built into their business model and this I would like to see changed. Thanks, XXXX XXXX
Product: Checking or savings account

My Visa Credit Karma spend account card was stolen and I reported it as soon as I was alerted that it was being denied with a drop down message I received on my phone. I called and there were 4 charges to dispute but they could only do two because the other two were pending. 
The person that stole my cards was using the cards to buy gift cards at a local company called XXXX XXXX. The next day I disputed the other two pending accounts and I thought everything would be fine, as they told me I would be contacted by email so look out for it. A few weeks went by and I didnt hear or see anything so I call and they said the claims were denied because XXXX XXXX I had used the card after the disputed charges were made. That was completely untrue. The only thing that happened was that I got a credit back from the hotel I had stayed at and used the card for a few days after I had gotten home. I called to redispute to no avail two more times and now its two months later and my funds still havent been returned to me. This card is supposed to be protected against fraud by XXXX. I also called the card issuer XXXX XXXX and told them what was going on and they said they would get to the bottom of it and all I received was a generic email saying my dispute was declined. This has caused me to be late on my car and mortgage payments. Also, two of the other cards were used by the offenders and both of those companies returned the funds right away with no issues whatsoever. The total charges were {$780.00} It seems ridiculous that they would say the charges are mine when they very obviously arent Please help..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from Experian and noticed a credit inquiry that I did not authorize. This inquiry was performed on XX/XX/2023. 

I contacted XXXX XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. 

At this time, I am requesting that you launch an investigation into the inquiry by XXXX XXXX XXXX to determine who authorized it. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 

If not, please remove this from my credit report and send an updated copy of my credit report via e-mail or to the mailing address listed above. 

XXXX XXXX XXXX Experian Member ID : XXXX
Product: Checking or savings account

The Simple/BBVA transition has been absolutely atrocious. BBVA announced Simples closure earlier this year, and I am now on day three without access to my checking or savings accounts, I have spent approx 3 hours trying to get through to a live person, and I am not convinced my money will be there when I can get into the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have provided Transunion with the FTC report, approved police report, proof of identity theft alerts from XXXX and they have failed to properly investigate these matters and delete the information from my credit report which is adversely affecting my ability to obtain credit. Additionally, they have failed to disclose their method of verification per FCRA laws. As such, I am hereby demanding for the following offending unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I WAS SUED BY LVNV FUNDING LLC. THE CASE WAS JUDGED IN MY FAVOR WHERE JUDGE CLEARLY STATED THAT I DO NOT OWE ANYTHING TO THIS DEBT COLLECTION COMPANY, YET LVNV IS STILL REPORTING THE SAME COLLECTION ACCOUNTS TO CREDIT REPORT WHICH IS TREMENDOUSLY HURTING MY CREDIT. I HAVE COURT DOCUMENTS OF THE WHOLE TRIAL WHICH IS PROOF THAT I DO NOT OWE THIS COLLECTION COMPANY.
Product: Credit reporting

This judgement was satisfied and still showing open on my account. I request this account to be closed and satisfied. This information is hurting my credit report.
Product: Checking or savings account

I opened an business checkings account in person at the branch office located on XXXX XXXX XXXX, XXXX, Ca XXXX When creating the bank account, the BRANCH MANAGER assisted. She let me know that as long as I maintained a minimum of a $ XXXX revolving balance between all linked savings accounts, that I would not be charged a monthly maintenance fee. I specifically asked her if I needed to initiate a transfer between my accounts to put the $ XXXX into the business checking account. She assured me that I didnt because my accounts were LINKED and well over the required amount to waive the fee. 


While doing my accounting, I noticed I was being charged even though my LINKED accounts maintained 10x the minimum requirement. My accounts are linked via online account as well as linked through my social security number. I called Bank of Americas small business line at XXXXXXXX XXXX  on XX/XX/15. The telephone operator, XXXX, then proceeded to play a game with me forcing me to guess alternate options and telling me if I dont pick the right one then my claim will be denied humming jeopardy music while he was at it. He verbatim told me this was his game and I have to choose wisely. He wouldnt just escalate the issue that I explained to him. After jumping through hoops with him, finally he says he can reverse ONE charge and ONE charge only because its the one that you caughtbecause you didnt catch the others in time, we cant do anything about that. So Bank of America gets to pocket stolen money because I didnt CATCH IT?! What kind of a financial institution is this? They have falsely advertised their business advantage programs and I wonder how many other small business they are stealing from. I decided to call Bank of America back and requested to speak to a manager. A girl named XXXX answered and refused to let me speak with manager and instead gave me HER OWN SPIN on what the rules were. XXXX already agreed with me snd saw all the funds in my account and said he was confused as to why I was being charged but only wanted to reverse one charge, NOW we have XXXX saying the rules say I need to have $ XXXX in the specific account Im being charged the fee. NEWS TO ME.

False advertisement Misconduct - I shouldnt have to play along with some bored representatives jeopardy game for his entertainment instead of having my finances dealt with professionally. 
Theft Dishonest banking
Product: Credit reporting

I have outdated information on my credit report that I have previously disputed that has yet to be removed this information is more then seven years old and does not meet credit reporting requirements
Product: Checking or savings account

Kickoff advertised a {$200.00} bonus after opening account and having direct deposit for 90 days. Account was opened in XX/XX/XXXX. XXXX dates were XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. The kickoff app confirmed the requirements were complete and kickoff is refusing to give the bonus. I have attached screenshots
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit accounts were opened WITHOUT my consent or knowledge. One was TJX ( tjmaxx ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX section XXXX states I have the right to privacy. 

XXXX XXXX XXXX section XXXX A XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to get incorrect information taken off of my credit report. My credit report shows that my XXXX  loan was 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. This account was closed or transferred in XXXX therefore any reporting after that is inaccurate. The company will confirm this with me over the phone, but will not correct this issue with XXXX and will not send this to me in writing. I have made many repeated attempts to remedy this issue. This is greatly affecting my credit score and my ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are all reporting an account that is incorrect and has been for afew years now.. They all refuse to provide proof the account is mine and was 30 days late. the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX account # XXXX They are reporting 30days late on XX/XX/XXXX.. When contacting XXXX they have no record of this account. also number listed above as a contact is disconnected. 
I have disputed this account on XX/XX/XXXX and XX/XX/XXXX and once again the didn't do anything or provide any proof this account is accurate.. I now am demanding all three credit bureaus remove this account unless they can provide written proof this account is mine and I was in fact late. Otherwise I will be forced to pursue further legal action since this account negatively affects me getting another house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update in XX/XX/XXXX. In those complaints I informed Experian, XXXX and XXXX of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX, XXXX XXXX Mi. XXXX '' was incorrect and it has been removed. But The XXXX XXXX XXXX continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to get an auto loan. XXXX separate banks have pulled my credit but are unable to pull my Equifax report. 

I have contracted Equifax multiple times concerning this and no one seems to know the problem. I may lose this loan because Equifax cant fix the problem.
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. 

XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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: Credit reporting, credit repair services, or other personal consumer reports

After paying off all of my debts, my credit score was listed as [ XXXX ]. Since that time, my credit card balance ( s ) average about {$500.00}. Experian continues to list my credit score as " XXXX '', even when I have no credit card debt. XXXX  [ XXXX ] and XXXX  [ XXXX XXXX scores.
Product: Mortgage

They keep returning my checks and won't give me instructions to reinstate despite their letters saying to call to get details about reinstatement. They've held previous checks for 3-4 weeks and returned them uncashed. They then sent me to their attorney after no one answered calls or gave me instructions to which I wrote the following with supporting documentation. 

The XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX : Ditech Account # XXXX Dear Sir or Madame : I have been attempting to get my account caught up to date for over two months to no avail. After having my third check for the full amount due returned to me after being held for almost four weeks, I am thoroughly frustrated and feel that reaching out to you is my last attempt. I will be copying the XXXX XXXX XXXX as well as the FTC regarding what is going on. 

I simply need instructions on how to get my account current, which Ive been trying to do since XX/XX/XXXX to no avail. I have not been able to reach anyone by telephone, and no one will provide the instructions to me via email or letter, which is requested so I can have this matter resolved. In my last correspondence via the website, I was told the check had to be certified. In anticipation of getting the final amount ( which I still didnt receive, but for which I was now sent a request from my bank for $ XXXX because the amount on the website currently says {$8100.00} ). 

I need to know specific instruction of where and how to send this cashiers check and assurances in writing that it will not be returned to me as the past three checks have been returned. I suffered a XXXX at work a while back and am now trying to get back on my feet. Please assist me with wrapping up this ordeal and reinstatement of my account. 

Please send an email / hardy copy of the instructions ASAP so I can wrap this up. Thanks.
Product: Credit reporting or other personal consumer reports

On my experian credit report it is reporting as a charge off account. However I never received the 1099 to add to my tax information as if the account is reporting charged off that means the debt was filed as a loss on the companys taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.Discharged XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Do not call me with no answers. 

You are about as negligent ( cause of action ) a servicer as I've ever witnessed. 

I sent you certified mailing requesting specific and particular responses and items. 

The audacity of you to simply call with no answers just trying to eliminate a problem then send a password protected message with no password. 

I'm tired of wasting my time with you. Now you need an attorney, and the first two causes of action are and will be Negligence and Breach of Fiduciary duty as well as violations of the XXXX. If Florida Corporations must be represented by counsel in a court of competent jurisdiction. One such bank thought like you and yesterday their CEOChairman stepped down. So let XXXX XXXX know I'm on the way. 

You don't even speak proper English why did you waste my time even ringing my phone with nothing to say. XXXX and XXXX 's as well as XXXX  require answers or they are actionable.
Product: Student loan

I get harassed all the time even when I 'm in school or deferred from XXXX..to evening..I owe a XXXX dollars now it 's a never ending struggle.I just want an end to this never ending cycle.with no help at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX has not been updating my current credit score appropriately. Even after collections are removed and credit usage drops tremendously, paid half of loan off, and car note drops. No score has been updated. Yes i feel discriminated against because of my race to keep my score low even when I paid everything and do everything to improve my score.
Product: Credit card

I was a victim of identity theft and noticed a collection from SYNCB/WALMART I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against SYNCB/WALMART in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you