23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : EVERYTHING IS INCORENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Money transfer, virtual currency, or money service

I opened and account on XXXX with {$500.00} on XX/XX/year> to try out cryptocurrency investing and bought some products. They required a credit card or direct bank account access and I chose to use my debit visa thinking it would be safe. 

Twice in XXXX and once in XXXX someone accessed my account and transferred {$5000.00} each time from my bank account to my XXXX account, immediately bought {$5000.00} worth of bitcoin, and transferred it to another account on the matter of seconds.i immediately cancelled my card and reported the unauthorized transactions to XXXX XXXX When I discovered the thefts I couldn't access the account and it took several days with XXXX support too get access back and when I did the account balance was XXXXThere has been no resolution from XXXX or XXXX since
Product: Student loan

On XX/XX/2017, I completed a Income-Driven Repayment request. I was notified on XX/XX/17 by Navient that they were unable to process due to the application not being signed. This is completely untrue as I did sign the application. On XX/XX/17, I again signed the application and faxed to back to Navient. I followed up with then in early XX/XX/XXXX to be told that the application was being processed and it would take 14-21 days to be approved. Today, i logged on to see the status and I have heard nothing and see that they have listed my account as past due. I called them and spoke with XXXX and he stated that I need to resubmit an application as I was notified in XX/XX/XXXX that the application was unsigned. I explained to him that I already signed the app and refaxed another signed application. He told me to hold. He came back on the line and stated that he does see my signed application and that he would send it back over for processing. In the meantime, he wants me to fill out a forbearance application so that my account can be brought current. He advised that the fees will be added to my loan balance. Why are these fees my responsibility, for NAvient 's error? He could not answer.
Product: Debt collection

On XX/XX/2021 I paid off an {$800.00} debt to Solomon and Solomon for an old utility bill with XXXX ( See attached proof of payments ). After paying the debt off, the debt reappeared on my credit report with a different debt collector. This debt has been paid and I do not owe {$800.00} to XXXX. XXXX, XXXX because the debt was satisfied prior to being sold to XXXX. XXXX. I paid the XXXX bill, and do not own any more money.
Product: Checking or savings account

I was supposed to get a direct deposit from an employer an issue happened where our checks were not deposited into our accounts, so they hand wrote a check to us employees. I went to the bank with a Wells Fargo check from my employer and asked to have it deposited into my account with Wells Fargo. I went through XXXX XXXX thru the girl let me know that my check was deposited and to have a good day. As I was driving off, I stopped in the parking lot right outside of the teller line and noticed that my check was not deposited it would take a day before the funds would be available. I called the bank while I was in the parking lot and asked if there was something I could do to have the check either returned to me since she did not let me know that there was a hold or if they could override the hold since it is a Wells Fargo check, I have had it cashed first then deposited so there was no hold. The employee XXXX that was on the phone told me I would need to go online to make an appointment. I explained to him the importance of having the check in my account for a payment agreement I had set up where if I miss a payment that I would be responsible to pay in full the account balance and moving forward I would have to pay the balance in full for my XXXX appointments. He was very persistent that I would need to go online to the mobile app to make an appointment which I didn't understand since I was on the phone with him. I explained to him multiple times that I have never had an issue with having fund available with it being a Wells Fargo check that was being deposited into my Wells Fargo account. I then went to another branch location, and they told me since it was internal check that they could have cashed the check first then deposited it into my account. Since the other bank location deposited the check the way they did, and it was already after the checks were processed, they couldn't do anything for me. Now because the bank teller didn't explain that I would have a hold on my check and told me my check was deposited I had to then go take out a withdrawal from my 401K and pay fees, penalties, and now taxes to be able to pay an agreement in full so I don't have my wages garnished and can continue to receive my XXXX treatments. Since that payment was missed, I am unable to set up payment arrangements for a year. I spoke with XXXX the bank manager on XX/XX/year> she was supposed to speak with her manager and call me back on XX/XX/year> around XXXX she never responded. I called again on XX/XX/year> and still have not heard back from her.
Product: Credit reporting

they have reinserted deleted information on my XXXX report and claim they can not fix it period i have been battling for years to get the right information reported good things and they have just did my credit report wrong They put XXXX inquires that where removed on my report they added bad accounts i think all this was done purposely i have proof of what my accounts look like when they wiped it and when they jacked it below only thing that supposed to be on my XXXX is my good reports from XXXX and my XXXX card superior fc those account are wrong to they need to be fixed. but thats it XXXX was removed they added it back XXXX XXXX was sued and lost the added that this is just illegal! i have proof where this people just play with my credit report! span over a 3 year period
Product: Checking or savings account

I deposited a check from my local XXXX XXXX XXXX XXXX of amount greater than {$8000.00} and less than {$9000.00} into my own Bank of America checking account via an ATM in XXXX XXXX. Bank of America put a hold on my account for XXXX  days and gave a long list of reasons for putting the hold. The check amount was withdrawn from my XXXX XXXX and it showed the image of check transferred by Bank Of America. I tried calling the customer service and also visited the local financial center on XXXX XXXX XXXX to show them that the funds has been withdrawn from my XXXX XXXXXXXX account. Now I have less than {$60.00} in cash available to me from my both account and any credit card payment may trigger at any time. I had to borrow {$200.00} from my cousin. The response from the customer service and Bank manager is disappointing and that they can not do anything. But what is the policy of holding checks when I am doing transactions between my own accounts? This leads to hardship and stress to consumers.
Product: Credit reporting or other personal consumer reports

I have inquiries from these institutions an I never authorized credit checks with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX and XXXX. XXXX, XXXX, XXXX  XXXX XXXX, on XXXX. XXXX, XXXX, XXXX and on XXXX. XXXX, XXXX, Advntge Cred add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX show and have owed {$820.00} Charge off/ closed/ Wrote off. i am requesting a XXXX from XXXX XXXX. as required My the irs law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXXXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX FL XXXX
Product: Debt collection

THEIR IS THIS DEBT COLLECTOR THAT CALLS FROM SEVERAL DIFFERENT NUMBERS BUT I HAVE N'T RECEIVED ANY R WRITTEN COMMUNICATION FROM THEM. THEY DO N'T LEAVE VOICE MAILS.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I received an alert that someone attempted to apply for Capital One credit using my information. 

I called and notified Capital One that the application was fraudulent and wasn't me. 

On XX/XX/2021, I also filed a complaint with the Consumer Financial Protection Bureau. Complaint ID is XXXX. 

Capital One opened a case : XXXX to investigate the complaint. CFPB case number : XXXX. In the meantime, I placed a fraud alert with all three credit bureaus. 

However, on XX/XX/2021, another hard inquiry was placed by Capital One for a credit card. Capital One failed to regard the fraud alert I placed with all three credit bureaus. I was never notified by Capital One nor did I authorize the first or second application attempt. Once again, this hard inquiry is negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. No response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports 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

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate and inconsistent credit reporting practices of several creditors. Specifically, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

These violations have greatly impacted my life, making it difficult to obtain credit and negatively affecting my credit score. For instance, my XXXX XXXX XXXX XXXX ( XXXX ) account has been reported inaccurately to all three credit reporting agencies ( Transunion XXXX XXXX, and XXXX XXXX, with inconsistent reporting of the Last Verified type, Date of Last Activity, and Final Payment. Additionally, XXXX and XXXX failed to report my XXXX  ( XXXX ) account, and inaccurate information has been reported for my XXXX  XXXX ( XXXX ) and XXXX XXXX accounts, including the High Balance, Last Verified type, Date of Last Activity, and Closing Date. Furthermore, the reporting of the High Balance has been inconsistent among Transunion, XXXX, and XXXX for my XXXX XXXX  XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) accounts. 

These errors have caused significant emotional distress, making it challenging for me to secure loans and credit at reasonable rates. It is my belief that these creditors have violated the FCRA and FACTA by failing to provide accurate and consistent information to the credit reporting agencies. 

Therefore, I request that you enforce the legal provisions of these acts and require the creditors to remove the unverified collection accounts from my credit report. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, an Ambulance Ride was from XXXX XXXX XXXX to XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX They were an out-of-network, non-physician related service. The XXXX was delivered to my XXXX XXXX University XXXX XXXX XXXX at the time, XXXX, who paid {$790.00}. 

A remaining balance of the bill was adjusted at that time, leaving a total of {$210.00}. Because the ambulance company didn't have any information other than my phone number [ confirmed by the medical records request given to the company, see attached ], they sent it to a third-party collections agency to collect the bill, XXXX. XXXX. After speaking with someone there I discovered that I had reported the bill had already been paid on XX/XX/XXXX, and they ended collections at that time. 

I was an unemployed, part-time college student at the time of the bill, and was receiving financial assistance from my father, who ended up paying the bill for me. The bill never made it on to my credit report, so there's no record of it, or of it being paid. There's no official record of the bill ever being paid anywhere, other than the notes that I called in on XX/XX/XXXX and reported to the collection agency that it had been paid. 

Fast forward to XX/XX/XXXX, when Phoenix Financial XXXX sent me a letter on behalf of XXXX XXXX XXXX XXXX XXXX, who apparently purchased the debt of {$210.00} from XXXX. 

[ The XXXX XXXX bill lists the bill as being paid as the result of the purchase, but not that it was purchased by an outside company, simply that it was adjusted, and no further details made- it does, however, list XXXX  and the number listed as being assigned and NOT the new company that 'purchased " the debt. So the bill I have does not show that the debt is owed, nor that it has been purchased or assigned to a new company, only to the old XXXX in XXXX ] I disputed the debt with the company, and filed a medical records release with XXXX XXXX XXXX XXXX and received a copy of the previously mentioned records in PDF Format [ see attachment ]. At this point in time, the bill is XXXX XXXX XXXX. I spoke with someone at Phoenix Financial, who informed me that the {$210.00} is still owed, and offered to allow me to pay half of it off - {$100.00} to settle the debt. I needed to do more research, since I believed this was covered by the 'no surprises ' act of XXXX. 

The bill was technically created in XXXX, but the debt purchase was made after XXXX, which is covered by the no surprises act ..... 

I contacted the XXXX Surprises main help Desk. reference # XXXX, who then gave me contact # 's to XXXX XXXX XXXX XXXX, to whom I called and then went from there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my credit report with the disputes under the fair credit reporting act. 

Experian Records management system is automated and it has not fixed the errors with my credit report. The problems that i am experiencing has caused me great harm and needs to be addressed immediately. The accounts all show closed in status but it is harming my credit score due to negligence. The negligence is not entirely experian fault but its subscribers that report to this reporting service. 

The eleven accounts subscribers customer service representatives did not include the notes in the accounts before an mutual agreement was made before it was submitted to the account managers. The account managers only verified the notes between me and the representative and closed the accounts under my request due to XXXX XXXX caused by XXXX XXXX and home care with hospitalizations. 

I have even offered to let the companies representatives the right to speak to the hospitals and XXXX by which they have said it was not necessary before i spoke to the account manager before the closure of the accounts. 

I have found Eleven errors in my credit report and under the fair credit reporting act i am demanding my rights under the following sections Sections 603 ( i ), 604 ( c ), 604 ( e ), 615 ( d ) old addresses removal page 3/31 Sections 611 ( a ), 1681 ( i ) Modifications to payment legend to show payments XXXX, XXXX-XXXX,XXXX   Sections 1681 ( c ) Removal time barred debt removal fair debt collections practices act XX/XX/31. 
I understand 35 percent of my score is payment but it is not shown or reflected on the accounts by which i am submitting my credit report with the pages to show how it should look with corrections in ink. 

Please delete the account if by 30 or 30 according to the month if the information is un-verifiable the subscribers services of these companies have given me the run around so much that i had to come here for closure.
Product: Checking or savings account

I reported XXXX fraud transactions with chime bank along with a police report and documents from a fraud website where my card was used. And the bank denied my complaint I file with and never gave me my money back from the fraud transactions that happen. I ask for them to close my account due to my money being stolen. They still have not done that
Product: Credit reporting or other personal consumer reports

I never filed a bankruptcy with the state of Illinois and Im being told that I filed and dismissed a XXXX  XXXX when I never filed this report it was due to id theft and Im demanding they remove it from my profile the acccount XXXXXXXX XXXX XXXX
Product: Debt collection

I've contacted Southwest Credit Bureau on multiple occasions through phone and via email. I filed a dispute with them on XX/XX/XXXX XXXX  about an incorrect XXXX  balance that's been put into my collections after a not updated balance from a payment i made through the last collections agency called XXXX. The last company unknowingly ended my payment arrangement without any reasoning i contacted that company as well and they gave me unclear answers as to why. I've made that dispute back in XX/XX/XXXX. I as well contacted XXXX customer care to inform them on everything and they investigated and had it removed from my collections. Now its came back around a year later with no updated balance to what's been already paid. I'm just trying to get this balanced disputed and removed from collections once again because its incorrect. Document has already been submitted to the email XXXX and XXXX swcgroup.com
Product: Checking or savings account

I am writing to file a complaint against NAVY FEDERAL CREDIT UNION regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices when transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I am writing this letter because I have a problem with XXXX and BMO harris bank because none of these tried to help me and I dont know whats going on I made a deposit in BMO bank for my broker " XXXX '' like two weeks ago when I was in XXXX visiting my family and the problem is that my broker " XXXX '' didnt accepted that deposit I mean they dont accepted the deposit that I made at the bank BMO HARRIS BANK XXXX and they told me that the money was given back but I dont know how is posible because I have no account with BMO I just made a deposit in cash and that is it SO XXXX WHO I made the deposit for SAYS there is no money at my XXXX account and BMO says that the money ( {$2400.00} USD ) is in my XXXX account and they can not give me back so I dont know what to do because I already returned to XXXX and is complicated for me to go back to USA so if you can help me it would be really usefull please