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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a COVID-19 forbearance plan with LoanCare in XXXX of 2020. At the time of the plan, my account was less than 30 days current. Per the CARES Act, the servicer is forbidden to report my account as delinquent if I was current entering the plan. We sold the property in the beginning of XXXX while I was still on the plan. My XXXX credit report is now showing this as paid off, but is showing account status as over 120 days past due which is not the case.
Product: Debt collection

ACCOUNT RECOVERY SPECIAL XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX XXXX, KS XXXX The company above has 4 collection accounts listed on my credit. 
I contacted them yesterday at XXXX XXXX central time in an attempt to pay off all 4 of these collection accounts. 
When i called the guy went through the " This is an attempt to collect a debt '' asked where i work, where my wife works, what my number is, what my address is .... 
I proceeded to tell the person there are 4 accounts on my credit I would like to pay off. 
He refuses to let me pay them off, insists that I owe XXXX, that the bills are mine and my wife 's and insists I need to set up a payment plan to pay them all off I said to send me an itemized list of the other amounts that he claims I owe because I know nothing about them but i want to go ahead and pay off the ones that are showing on my credit. 
He tells me I need to pay them all, that they have sent bills and allegedly left messages on my phone and since none of the bills had been returned I owe them and must have received them or something. 
I tell him I have no idea what these bills he says i owe are, to send me a list, he then starts talking over me and keeps trying to force me into agreeing to do a payment plan, at which time I told him I'm not doing this and hung up on him. 
This guy wouldn't even let me pay the bills I know of, and refused to provide any proof of any other bills he claims I owe, and was also holding my credit ransom over my wife 's bills he claims she owes
Product: Checking or savings account

I was solicited by Capital One 360 to open a Checking account, as an existing credit card customer. The terms ( as captured by a screen shot of the offer ), were for a bonus of {$300.00} to be deposited to my checking account after receiving two direct deposits of {$250.00} or more ( each ) within 60 days. After receiving two ACH deposits of {$250.00} ( each ) into my account, I checked with the bank by phone, and a representative confirmed that the requirements had been met, and that the deposit would be made within the next month to two. When I followed up with the bank, I was again told that the requirements had been met, but sometimes it took longer for the bonus to be received. When I contacted the bank again on XXXX XXXX via chat, I was told that the offer was in fact only {$100.00} ( which, according to the representative was recorded to my account ), and that the two ACH deposits did not meet the requirements of being " direct deposits ''. 

Capital One 360 clearly makes no effort to proactively deposit the " bonus '' offers they use to entice customers, and probably owes their customers a great deal of money, in addition to using illegal ( if not borderline ) practices in doing so.
Product: Checking or savings account

There is no other way to put it but XXXX XXXX is being run by donkeys. Actually no offense to donkeys because they might have more brain than these idiots. 

They kept sending emails to try their new XXXX transfer service. And this is what happens when you try to use their XXXX XXXX service. 

I transferred $ XXXX to a linked account yesterday and XXXX XXXX has decided to debit that $ XXXX from the account twice and showing me that my account is overdrawn. I have an emergency today and I need to go see a doctor but I can't access the money. When I try to call XXXX XXXX it is like trying to talk to donkeys. First call, I get someone who is giggling and talking to someone else and wont even pay attention to the call. Then I get someone who says that XXXX XXXX has taken out $ XXXX twice from my account and that I need to reach out to them. These idiots aren't even able to recognize that this is a transaction imitated from XXXX XXXX XXXX own stupid website. Then finally I get a supervisor who says there is nothing she can do and I just need to wait till the end of the day hoping it will resolve itself. When you ask for someone higher up, their standard answer is that they are " in a meeting ''. These XXXX XXXX  $ XXXX  are habitual liars. 

So now I have an emergency and need to go see a doctor but I cant access my funds. I cant withdraw then from an ATM, I cant transfer them nothing. If the situation was reversed and I made a mistake and overdrew my account, these $ XXXX would have piled up fees after fees. 

I also initiated XXXX XXXX pulls from my external account yesterday ( for separate amounts ) debiting the money from $ XXXX and they have been rejected and I have been hit with 2 fees from that ban. All because XXXX XXXX can do some simple math. 

The worst part is that even after I have alerted them about this they are unwilling to fix it.
Product: Credit reporting or other personal consumer reports

This is my numerous 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. XXXX, XXXX ; XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; 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

I have new and updated information. This is not credit repair .. this is me, XXXX XXXX XXXX XXXX With great difficult and still being unable to obtain my consumer file from Transunion to date, i unwillingly and unintentionally through no fault of my own was signed up for credit monitoring services that I did not want. That Ive yet to be able to cancel with ease due to Transunions false and misleading representations.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by Transunion. In XXXX of 2021, I identified multiple inaccuracies on my credit report and disputed them immediately. I found multiple mistakes on payment dates, the number of days late on payments, dates of first delinquency, and account numbers. I printed out the report and circled all of the inaccuracies and sent them in with my dispute letters. Per the FCRA, the bureau must conduct a proper investigation, which includes contacting the data furnisher directly to obtain specific documents, such as the signed original instrument of indebtedness, that verify the accounts belong to me. I do not believe a proper investigation was conducted. Any human who examined those documents would have clearly seen these inaccuracies that I pointed out and either corrected them or deleted the accounts in their entirety. This was not done. I believe that Transunion scanned my personal financial information through a third-party system called e-Oscar without my consent. This violates my right to a proper investigation of my disputes. Transunion has failed to produce a single document proving that the disputed items are being properly reported on my consumer file. Most egregious of all, Transunion is aware that they only have 30 days to conduct an investigation and respond to a dispute. If they fail to do this in 30 days, they must delete the disputed items from the consumers credit report. Transunion failed to respond within that time frame on three separate occasions, but they refused to follow the law and delete the disputed items. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. I have been fighting them for over two years to correct these violations, but Transunion has outright refused to follow the law. It has been so long that many of the accounts that I disputed have now reached both the federal and state statute of limitations, yet Transunion still refuses to follow the law and remove them. I have done my due diligence and made sure that Transunion was made aware of their violations of the law and was given a chance to fix them. I have amassed sufficient evidence to prove my claims and will attach some of it to this complaint. At this point, after all these years, If Transunion does not remove the disputed items from my credit report, I will have no choice but to take legal action to resolve my grievances. So, two and a half years later, I am looking forward to taking you to court and finally putting an end to this nonsense. The paperwork has already been pulled, I have consulted with counsel, and our demand letter has been drafted. This is the final chance to avoid litigation.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am asking CFPB to investigate this matter further. I am not XXXX percent sure the XXXX credit reporting agencies is doing me a disservice in investigating the wrong doing of a third party reporting agency XXXX and XXXX ( Advanced Resolution Services, INC. As a consumer I have contacted the matter at hand. The United States Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX and asked them a question, Do you report the case in court to the credit bureau? The clerks response, The Bankruptcy Court does not report information to any credit bureau. Almost like hippo for medical records. I send a certified letter to every credit bureau to remove the illegal reporting fragments. They all stated verified and corrected.
Product: Credit card or prepaid card

I had a Synchrony Amazon Card I think that you can use it other places but I don't know because I think I used it once XXXX years ago and paid it immediately. I moved 11 months ago and have been getting emails and texts and calls of them telling me I owe and I called and said i did not use it and cancelled card I did this 4 or more times in the last year. Then I thought I got it cancelled and they " took care of the fraudulent charges '' and I got an email stating that I requested a new card and now I am getting new texts charges and I told them I did NOT request a new card they obviously never took care of the old problems because the charges were around {$50.00} that were not mine and now they have {$300.00} in charges. I have spoken to anyone and everyone at synchrony ( they are in another country the call center and you have to wait at least 30 minutes to speak to a rep ) which I had done NUMEROUS TIMES!!!! I have also reported this to Amazon, but while they were very nice they said the credit cards like Synchrony, XXXX or whatever with the Amazon name has nothing to do with them. I am at my wits end this is FRAUD and it's going on my credit report and I do not want anything to do with this company they need to make sure there are NO cards with my name on it and they need to take care of these fraudulent charges. Thank you for any and all help
Product: Checking or savings account

I am reaching out to you due to an issue I have encountered at one of the citi bank branch on XX/XX/XXXX. I dropped a cashier check from XXXX XXXX XXXX of the anmount of XXXX into my checking account and my account got locked within an hour. When I got put on the line with back office, they told me that the teller had called them and put a note on my account which triggered them to lock and block everything. No one is able to help or at least tell me whats going on. It is the second time i am being profiled by this branch. I need my fund in order to survive and I can not allow this to happen as these are all my funds. I can provide a bank statement from boa showing my funds, along with a picture of the cashier check.
Product: Credit reporting or other personal consumer reports

They reported that I was late paying them for XXXX. The payment is due on the XXXX I got my bill on the XXXX of the month thats when I sent it back to them they cash the check on the XXXX. The lady I talk today side they didnt send the later charges in but it show up on my Credit report. And she said that they dont send that and till it 30 days late. I not 30 days late. So would youll please take that off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account I do not recognize on my transunion account. It was already removed from XXXX and now Id like it removed from transunion. Its from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section 611, Subsection A, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report shows payment to XXXX XXXX for XX/XX/XXXX was late. Payment was not late. All payments were on auto-pay. No payments were late.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am behind on my bill for Discover and I understand their needs for calling me but for the past week ( to XXXX ) I have been called, as of XX/XX/XXXX at XXXX no less than XXXX times. I feel as if I am being personally harassed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax, XXXX and XXXX XXXX notified a breech of my ss # amongst many thousandths was exposed by a hacker group XXXX. Because of this I have had unusual happenings.
Product: Credit reporting or other personal consumer reports

XXXX of 2023, I applied to live in The XXXX XXXX XXXX  in XXXX Florida. After paying the nonrefundable application fee of {$390.00} I was quickly denied an apartment due to income. Months later I was sent to collection for {$490.00} by XXXX XXXX. I never lived there all did was apply. The collection company Pro Collect never contact about this nor did XXXX. I found out this was my credit report when I checked it on my own. I have been trying dispute this since XXXX and nothing has happen. No one has been in communcation with at all and I would like this fix. 

Pro Collect 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, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance {$840.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

On XX/XX/2020, I received a notice from the Collection Bureau of the Hudson Valley , Inc. ( " CBHV '' ) attempting to collect debt of {$1200.00} from " XXXX XXXX, '' on behalf of creditor XXXX, which, based on an internet search, appears to be a telecoms company based in the New York Tri-State area. 

I, obviously, am not " XXXX XXXX  '' ; I have never lived in the New York Tri-State area ; and I have never engaged in any transaction with XXXX. CBHV is attempting to collect a debt from me which is not mine. 

Upon receipt of the notice from CBHV on XX/XX/XXXX, I immediately mailed CBHV a letter stating that the debt does not belong to me, and demanding that they provide any supporting documentation supporting their claim or else cease their collections effort. I mailed that letter on XX/XX/2020 to the address listed in the notice I received ( XXXX XXXX XXXX, XXXX NY XXXX ). Admittedly, I made the mistake of mailing it through USPS standard mail instead of certified mail. 

Since mailing the demand letter to CBHV on XX/XX/XXXX, I have not received any response from CBHV -- they have not provided any supporting documentation proving that the debt is mine. 

Today, XX/XX/2020, I received notice from XXXX  that CBHV has filed a report of a collections action against my credit account. CBHV has failed to respond to my demand letter within 30 days and continued its collections action, both in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).
Product: Credit card or prepaid card

I took out My Chase plan via my Chase XXXX card. My terms were {$330.00} a month for 6 months at 0 % APR and {$0.00} fee. Made my first payment in XXXX, continued to pay my credit card as I do before the billing cycle for my standard purchases. I now have only XXXX payments left on my plan as Chase allocates ALL payments to the 0 % interest first. This is not explained or noted clearly or obviously. I called and spoke with an agent who was just as confused as I was. Then a manager joined the line to explain.

I feel like this needs to be investigated - I am OK to pay my bill however if Chase is doing this to me they are doing to others. This could/probably is costing people a lot of money when they thought the plan would help with a large purchase.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Former : XXXX XXXX Employers : XXXX  Employers : XXXX XXXX Collection/Charge Off XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XX/XX/XXXX {$XXXX} XXXX  ( Original Creditor : XXXX 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 XXXXXX/XX/XXXX