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

On Tuesday  XXXX  some items were presented to my account to cause it to overdraw.   Money was transferred from my ways to save account to my checking account to prevent this The amount I was overdrawn was {$13.00} and change, and the bank transferred {$54.00} from ways to save  One of t he items was an ach payment to   XXXX   XXXX   which was in a pending state, so no need to transfer funds that day, as I could still make a deposit that day once I received the alert.   I did make a {$40.00} deposit that evening While item was still pending.   I was charged {$12.00} for this privilege to move my own money!!!   I complained to the bank about this, and said I wanted the {$12.00} returned As I had made enough of a deposit to cover overdraft. I also had a direct deposit at   XXXX   XXXX   for  XXXX  dollars!!!   The bank returned {$3.00} to me from the {$12.00} fee! I complained several times, and just got double talk.   I am sick of this bank, and their fraudulent ways of making money!   I want the balance of the {$12.00} that they took from me returned.   They have stolen tremendous amounts from me over the years in overdraft fees Due to how they present payments ( high to low order.   Something needs to be done about stealing money from working people Pls help Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year i have been writing in to Experian disputing inaccurate information on my crediting report. Accounts that are inaccurate and need to be removed is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and 2 XXXX accounts, and a XXXX listing.
Product: Checking or savings account

On Thursday XX/XX/XXXX I was charged {$130.00} by the XXXX XXXX. I was no where near the XXXX XXXX when the charge took place. I was at home, sleeping, when the charge took place. Ive told them everything. I was laughed at by the police department for filing a report. Ive been repeatedly telling them the same thing. They say since I knew the pin it couldnt have been stolen, but credit transactions still can happen on a debit card. And they tell me to produce receipts. I am like how? If I was home, how would I produce the receipts? How could I have a police report when they didnt want to file? How can someone prove they were home? Do you take a photo of your location every night? I dont. Especially seeing as I live by myself. I asked if the wanted an email from my neighbor, they didnt respond. I need my money back, because it isnt fair how people can steal, and just because they dont want to investigate its gone. They have been specifically rude. I read on the XXXX  website they steal money from people all the time. I just want my {$130.00} and to end any partnership with them.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and i went to all 3 credit bureas to get the fradulent items removed from my credit but the only bereau that has removed all the negative fradulent activity is XXXX  they did an  investigation and it did show that it was indeed fraud. the problem is i have contacted XXXX  and transunion for the past 3 months and they have not removed what XXXX  has removed from my credit, i have called, and mailed them numerous times and they dont make these changes.
Product: Money transfer, virtual currency, or money service

My friend send me {$2000.00} through XXXX on XX/XX/2022. I have a account in Regions Bank.And I didnt received it. I went to my bank and told them the situation and after multiple follow up. They didnt solve my problem. Every 2 weeks a spend hours to talked to them and follow up the case but actually its more than 8 months and they didnt helped me. I provided them the confirmation and claim letter from my friends account and bank said that the money is transferred to my account. But I didnt received it.
Product: Mortgage

My mortgage payments are currently being processed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They processed a payment on my behalf on XX/XX/22 that was intended for the XXXX mortgage payment and that payment has not been applied for over 30 days now. Additionally another payment was processed on XX/XX/22 and also has not been applied to the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY GOT A NOTIFICATION THAT THERE WAS A HARD CREDIT INQUIRY FROM XXXX XXXX XXXX XXXX ON MY CREDIT REPORT BEING REPORTED BY TRANSUNION. THIS INQUIRY IS INACCURATE AND THEREFORE IT NEEDS TO BE DELETED SINCE IT IS HURTING MY CREDIT PROFILE. 

NAME : XXXX XXXX DATE XX/XX/2021 PLEASE I NEED THIS UNAUTHORIZED HARD INQUIRY TO BE DELETED INMMEDIATLY.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX Capital 1 auto finance inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX To : Experian Consumer Reporting Experian XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Credit Score Dispute Dear Experian Consumer Reporting, I am writing to formally dispute inaccuracies in my credit report and address the significant decline in my credit score. On XX/XX/XXXX, my credit score dropped from XXXX to XXXX. On the same day, I initiated several disputes and provided my FTC/IdentityTheft complaint. However, instead of my score returning to its original state, it further decreased to XXXX as of XX/XX/XXXX. 

I have diligently monitored my credit for over 30 years and have enlisted the help of expert credit attorneys and former credit bureau employees to navigate the complexities of credit reporting. As you are aware, credit scores are based on a variety of financial factors and are designed to reflect a consumer 's creditworthiness. A higher credit score signifies lower risk to lenders and better loan terms.

This situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I believe I am being discriminated against by Experian due to my status as a middle-aged white woman, and I request that the necessary corrections be made immediately. Several unauthorized inquiries were deleted, yet the same creditors who initiated those inquiries remain on my profile and should also have been removed.

Experian is liable for actual or statutory damages and punitive damages for ignoring the CFPB, FTC, and my complaint letters concerning the accounts being reported and my credit score. Experian has a history of such practices, as evidenced by prior lawsuits such as the {$22.00} XXXX settlement over similar issues. 

These actions by Experian constitute " False Credit Reporting, '' providing unduly low credit scores to my potential lenders. Notably, my credit scores with other bureaus are significantly higher. Relevant case law includes : - XXXX XXXX Experian - XXXX XXXX Experian Information Solutions , Inc., No. XXXX ( XXXX Cir. XXXX ) : The FCRAs statement-of-dispute provision does not require consumers to use specific language or forms to request the addition of a dispute statement. The burden rests with the CRA. 
- XXXX v. Experian : XXXX 's case highlighted Experian 's inaccurate reporting affecting her debt-to-income ratio and credit score, similar to my experience.Experian acknowledges that emotional distress damages are recoverable under the FCRA.

I am experiencing the same issues and demand corrections to avoid further legal action and associated fees. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX -- - Note : - Experian was found to be in violation of the FCRA- I was unable to upload documents on Experian/XXXX. XXXX or in the Experian App. Do to the sight and app not functioning properly!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unsolicited hard inquiries I want removed from XXXX by a company called XXXX XXXX XXXX a Finance Reseller ran hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have no idea who did this it is illegal. Their address is XXXX XXXX XXXX XXXX FL XXXX Please remove the offending inquiries off my credit report. 

Also the company XXXX has made multiple unsolicited hard inquiries through an illegal online source. I want them removed from all three reports, I have contacted them and the credit companies XXXX, XXXX   and XXXX. 

Today XXXX illegally did it again to my credit. Please remove all XXXX hard inquiries. 

Almost all of the inquiries made on my report are a result of online reselling of information. I am working to have 15 known illegal inquiries removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX 15 USC 1681 Section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ), States that 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 or crimes which antedates the report by more than seven years.

15 USC 1681e-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer relating toto a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

These innaccuracies are preventing me from obtaining credit and other esstenial needs to provide for my family and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by XXXX XXXX because my identity was stolen on XXXX17 that XXXX XXXX had accepted a fraudulent application for credit.  Upon notifying them by telephone they refused to disclose any information to their fraud department because they said they could not prove it was me,  but after 24 hours I received an alert that they closed my legitimate XXXX credit account and lowered my credit score in doing so even though that was not what I was told they were going to do, or not do.Now I have to worry that XXXX XXXX has an open application for credit that was done online by a thief using my ssn, dob and full name.HELP! They should not be allowed to keep that account open that is FRAUDULENT.
Product: Credit reporting or other personal consumer reports

Marks the account paid in full for less than balance. Account was paid and settled in full of the balances. Wrong info reported to credit bureau Experian
Product: Checking or savings account

YOUR COMPLAINT Hi there, There was a {$22000.00} amount deposited to my account on XX/XX/2022 by my husband 's friend and we just imiigrated here in the XXXX from the XXXX. Chase restricted my account later on and I cld not access my funds. Called the fraud dept, talked to supervisors and explained to them there is no fraud happening in my account. Some supervisors are also hanhing up when ever you ask for more details as to when they will send me my check. They say investigation is happening and it may even take a year. This is really frustrating. I need my funds now for payment of my rent and bills but they refuse to give it to me. Called them at least 8 times already and escalalted calls to supervisor. Spoke to them kindly, nothing happens. Good thing we took most of my money we needed in XXXX and there was an amount left which is {$680.00} which I need for the holidays. I dont think it is fair to be treated as if you are a criminal just because of large deposit from overseas. 

Please help me in getting my hard earned money in my account. They keep on saying within XXXX to XXXX business days I will receive a check. After 2 weeks nothing happened and called again and they sais its still being investigated. Then I calles again after a wk and someone said theyll close acct in 3 business days so I shld receivey money in 2 wks. Nothing was received. Called them and a supervisor said its still under investigation and there is no timeframe as to when they wld finish. The misinformation and the unfair treatment was too much to bear already. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. 

By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. 

I demand the immediate deletion of the aforementioned charged-off account from my credit report. Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. 

I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. 

Thank you for your prompt attention to this matter. 
Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  breaches requesting new credit cards after fraud charges XX/XX/XXXXXXXX  fraud {$500.00} fraud XX/XX/XXXXXXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the inaccurate reporting of an account placed on my credit reports, which appears to originate from XXXX XXXX XXXX XXXX and has been managed by your agency, XXXX XXXX XXXX. The account in question has caused significant damage to my creditworthiness and has consequently impacted my financial standing. 

Upon reviewing my credit reports, I noticed discrepancies in the reporting of the aforementioned account. It is essential to rectify these inaccuracies promptly, as they are causing serious harm to my credit profile. To address this matter effectively, I request a thorough investigation into the account and its reporting. 

Furthermore, I kindly request that you provide me with written proof of all pertinent documentation related to this account, including but not limited to : Signed contracts or agreements pertaining to the services rendered by XXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed service dates outlining the nature of services provided. 
Clear documentation of payment dates and amounts made towards this account. 
I understand the importance of adhering to proper protocols and regulations in handling such matters. Therefore, I expect your agency to conduct a comprehensive review and furnish the requested documentation within 14 days from the receipt of this letter.
Product: Debt collection

I have several open/active credit accounts with Synchrony Bank and they are paid on time with no account behind or delinquent. I continue to receive phone calls from Synchrony Bank from their collection department despite this. I received a call on XX/XX/XXXX before XXXX which woke me and I was sick that day. Then, I received a phone call on XX/XX/XXXX which was a Sunday afternoon. Each time I was not able to answer when they called, so I called back and it was the collection department. When I inquired as to why they phoned me, they checked my accounts and could not provide an explanation because all of my accounts are in good standing. On XX/XX/XXXX, I spoke to a supervisor ( XXXX -- Collections Account Mgr ) to file a complaint and let them know this is harassment. She assured me that it would not happen again and now it has again in XXXX. 

After theXX/XX/XXXXcall, I noticed that I also had to put my telephone number back into all of my accounts when I went online to pay. This is harassment pure and simple and against the law. 

Please note : InXX/XX/XXXX I had to file XXXX XXXX Bankruptcy. I had several accounts with Synchrony Bank that were involved in this bankruptcy and they can not collect that debt. The new accounts I have are for the purpose of rebuilding my credit. On XX/XX/XXXX, I was informed that maybe I am a secondary on an account or someone used my social security number to open an account. I informed them that they should be able to see if something like this is the case and should transfer me to the fraud department. They are calling with no explanation and engaging in unfair debt collection practices for a debt not owed. 

The number the calls are coming from is XXXX and it is the Collections department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Report shows a hard inquiry from a XXXX XXXX, XXXX, TN XXXX. Don't know the company nor did I ask for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The law is clear and protects its consumers. It must be deleted as per FCRA without factual information. The US Bankruptcy Court does not refer these matters to other agencies. They don't check or update credit reports either. Bankruptcy information is public information as per stated when I spoke to staff member XXXX in the Bankruptcy department. If the Credit Bureau has to get information from the source, tell me how did you get the information you put on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Still cant log into my account. All Transunion did to " fix '' the problem was send me my credit report. Thats not what i wanted.
Product: Debt collection

I just wanted to confirm that this account will be deleted from my credit bureaus. It seems like my last request got sent with the last 4 of my social but in my husband name. 

Thanks.
Product: Mortgage

We are aware that on XXXX XXXX, an Agreement between XXXX mortgage servicers and federal banking regulators was realized that ended in the XXXX Foreclosure XXXX program for those servicers. This XXXX attained in XXXX includes an estimated XXXX XXXX dollars in cash payments to be distributed to borrowers whose primary residence was involved in a foreclosure process in XXXX or XXXX as reparations after regulators found that unscrupulous mortgage practices led to foreclosures across the country. 

Although the residence in question may not have been a primary residence, we still believe that fraud was committed as with a great majority of the foreclosures processed in XXXX or XXXX. This bank did not discriminate their unscrupulous mortgage practices based on residency being primary or secondary. During XXXX, we argued the validity and legality of the foreclosure, in which Wells Fargo finally dropped the case with a lack of evidence/documents that we requested. We feel as though we should be compensated for the erroneous foreclosure, as it impacted our lively hood just as much as any borrower. We feel that Wells Fargo practices was deceitful, that they should be punished regardless of the status of the house ( XXXX ). Illegal is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion on XX/XX/2020. I did not receive a response until XX/XX/2020.