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

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Product: Credit reporting or other personal consumer reports

Re : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Attached please find a letter I received from a collection agency on XXXX The letter states : We have also deleted this collection item from your credit report. Clearly the agency failed to do so, as the collection record shows on my credit report as XXXX The item in question is : XXXX XXXX XXXX XXXX XXXX  Please remove this item from my credit history immediately as the creditor and I both have requested. 

Thank you for your time, XXXX XXXX ll XXXX
Product: Debt collection

I moved out from The XXXX XXXX  on XX/XX/2023. When I moved out, the apartment complex made an accounting error, and marked my move out date as XX/XX/XXXX instead. It then showed that I owed a day of rent, which I did not. So when I moved out, the apartment complex showed that I owed XXXX dollars, and in reality, the apartment owes me XXXX. After communicating with the apartment over around half a year, they finally refund me the money. But I assume the debt collector was not informed, and I can not get a hold of the company. The debt company then put a major derogatory mark on my credit score.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

This is not me. I've haven't XXXX XXXX XXXX  since XXXX  and this is a current bill. I have had XXXX XXXX for over a decade so this must be fraudulent. I also have not received any mail correspondence about this, otherwise I would have just contacted XXXX XXXX XXXX myself. It's like the collection just appeared out of nowhere.
Product: Credit reporting or other personal consumer reports

They have failed to supply the demanded proof of the alleged debt.
Product: Debt collection

Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

.
Product: Vehicle loan or lease

I have accepted and returned all documents and negotiable instrument to Bridgecrest for the full amount due for my account. On XX/XX/2022 Bridgecrest sent back copies of all documents I sent dishonoring my payment. how ever they did not return my legal tender of payment via receipt pursuant to state and federal law a debt is a discarded specie of payment if not returned within a reasonable time. They are trying to induce me in to a fraud by paying additional " united states currency '' when the debt obligation is already payed in full and that according to the bill of exchange act a negotiable instrument is commercial paper that is also currency. Furthermore, their isn't money according to XXXX XXXX so I should not be forced to pay in debt notes under duress and cohersion when federal and state laws clearly state how to endorse and tender a payment lawfully.
Product: Debt collection

The bill in question was for approximately {$1200.00} for emergency ambulance services. The bill was paid in full in XXXX to XXXX XXXX XXXX XXXX. On XX/XX/2019 I received a letter from XXXX XXXX  XXXX, XXXX ( Total Recovery Services ) that they had been asked to collect a debt owed to Total Recovery Services for {$21.00}. We called the number in the letter and asked to speak to someone regarding what this {$21.00} was for and who Total Recovery Services was as we had never received anything from them. The person who answered the phone asked me to provide the name of current employer. As I still had no idea who it was I was calling or why they sent the letter, I refused to provide them that information. They refused to speak to me unless I told them who my current employer was. As this point, I was extremely suspicious that this was some sort of scam and terminated the call. My wife later called the number and was told the same thing, that the person on the phone could not discuss the account unless they were given the name of current employer. She asked them why they needed the information and was told that they were using it to verify my identity. She informed them that they did not need that information and offered to verify another way. They refused and terminated the call. She then attempted to contact Total Recovery Services directly and was given the same exact run around from what sounded like the same person ( meaning that Total Recovery Services directly and was given the same run around from what sounded like the same person ( meaning that Total Recovery Services and this XXXX XXXX  XXXX  were the same people ). At this point we were certain it was some type of scam. This weekend, I checked my credit report that comes with my credit card bill and was shocked to see a 100 point drop in my credit score XXXX to XXXX. An online search showed that this Total Recovery Services had turned me in to the credit bureau 's for a debt that has never been verified and that I highly doubt even exists. At this point I will likely pursue further actions with FTC and state Attorney 's office. I have already filed a complaint with the XXXX  XXXX  XXXX. I have also disputed this with the credit agencies.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX Last reported XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

The advertised interest rates werent revived, or were back tracked after opening the account. I opened a high yield savings account through the company Capital One due to the high interest promised in XX/XX/2022 The rate was 4-4.3 % Then reduced considerably afterwards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Mortgage

I am writing because I have not received credit from Wells Fargo Bank, N. A. for two Bills of Exchange I sent to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Since they were not rejected, I presume that they were used to credit the payee, Wells Fargo. Please check the record, and let me know how to obtain a receipt for the transaction. Wells Fargo has been continuing to attempt to collect the debt, as if it was never XXXX at all. 

The Bills of Exchange should have been negotiated on or near the delivery dates shown. The delivery dates were taken from the XXXX tracking records of the registered mail numbers listed below, and are the same as the Bill of Exchange numbers. 


Bill of Exchange for Mortgage Account listed, Number XXXX XXXX XXXX XXXX XXXX XXXX Date of Delivery : XX/XX/2022, Amount : {$220000.00} ; Second Bill of Exchange for XXXX  Account, Number : XXXX XXXX XXXX XXXX XXXX, Date of Delivery : XX/XX/2022, Amount XXXX {$49000.00} The Bills of Exchange are part of a lawful process authorized by Congress and allowed in the U.S. Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX Email : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Mas Financial Service XXXX XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A.Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card

XXXX system  had issues on the XXXX of XXXX. I tried making transfers online with my citibank checking account to my XXXX  account but couldn't add a new account successfully. I tried to do it through their automated phone system but the system ended up transferring {$10000.00} to my {$3000.00} citibank credit card., even though I clearly said " NO '' when it asked if I wanted to pay {$10000.00} to my credit card. Now I have XXXX balance. That's over XXXX XXXX of my money stuck on a credit card. I have reached out to citi to get a refund but basically told it will take anywhere from 2 weeks to a month to get my money XXXX  back even though this transfer was from a citibank checking account to a citibank credit card and caused by a faulty automated system. I have things to do with my money and I think it's unfair to hold my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed.
See my disputes below : XXXX  XXXX balance : Experian and XXXX $ XXXX/XXXX {$20000.00} ; late payments : alleged late on XX/XX/XXXX is reported as paid as agreed on with Experian, which is correct I was never late XXXX XXXX XXXX  has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account since XX/XX/XXXX on the first and XX/XX/XXXX on the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years!
XXXX XXXX XXXX I paid on time XX/XX/XXXX and XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof
Product: Prepaid card

Visa gift cards purchased by my husband for mother 's day. 2 cards XXXX each. I open visa package and there were XXXX dollars on cards. I contact Target and visa phone number on back XXXX. XXXX. They told me to send copy of receipt, copy of cards front and back and copy of my driver 's license. They said email it and the process takes 30 days to investigate. Since XX/XX/2023 I have received no replacement cards and its XX/XX/2023. I have contacted the company 22 times and they say investigation was done and they would send me replacement cards. I called today and they said no results for the investigation and they don't know why I haven't received my cards. They just keep escalating the matter to someone else. I have talked to 2 supervisor and they have no answer other than they can't send me cards another department does. This company just do nothing about fraudulent cards. They don't want to give the customer their stolen money back.
Product: Credit reporting

I filed a complaint with Esperian regarding my account not being updated for XXXX XXXX. I requested either the company verify infoinfo and update account appropriately or delete account and in return my account was updated with incorrect information and my credit score dropped drastically. This is not only wrong but inappropriate on many levels as this is jeopardizing my loan to purchase a home.
Product: Checking or savings account

This is a complaint in response to a previous complaint # XXXX : ( You can reference this prior complaint to access the details. ) This is a follow up complaint against Bank of America for closing our newly opened joint checking account. My original call to the bank about this resulted in speaking with someone who told me that they had decided to cancel/close the checking account, and that they did not have to give any reason for doing so. I was also told that we could NEVER open another account with BofA again, ever! But, I was told that I could keep my BofA XXXX card with a {$40000.00} limit ( which, by the way, has a {$0.00} balance )! It was at this point that I filed the first complaint with CFPB. In response to this complaint, I did receive a return call from Bank of America, but their response was what they originally said, that is, " We don't have to give a reason for closing your checking account. '' However, the representative did suggest that we should order our reports from XXXX, and that should show what the reason was. He also said we could try to open an account again, which is in direct contradiction to what we were told before. We received our XXXX reports and they show nothing in regard to any reason for Bank of America closing our account.

Therefore, I contacted Bank of America again and was directed to call the Risk Department at phone # XXXX. I spoke with several different people and eventually ended up with XXXX who, after listening to my issue, put me on hold for 26 minutes, only to come back and tell me the scripted answer " We don't have to tell you the reason for closing your account. '' This answer, which is not really an answer, is totally unacceptable. Since the XXXX reports showed no cause for termination, we can only assume that we have been discriminated against. I will extend to Bank of America 2 weeks from the date of this complaint to respond with an actual explanation and an apology. I believe it is my right to know why I would have a checking account closed. I have no outstanding bills or credit lines, etc ... and have a FICO score in excess of XXXX. I also had been a BofA customer for over 30 years with several accounts that never had an issue. How do I know if my information may have been confused with someone else? Or did some BofA employee just decide they didn't like something in my information and made the decision to close the account? If so, why can't they tell me what the determining factor was? Or was there no actual reason other than someone's whim to discriminate against us for some reason? If this attempt does not resolve with an acceptable answer, my next recourse will be legal action and social media exposure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a consumer who sent my FTC report to XXXX, TransUnion, and XXXX on XX/XX/XXXX and I still haven't received a verification letter for my dispute from either CRAs.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to attain my Equifax credit score and report via myequifax.com and XXXX XXXX. I would like this issue resolved
Product: Money transfer, virtual currency, or money service

I have a business checking account at Bank of the West in XXXX. Every check I deposit That can be considered " large deposit '' which is more than {$5500.00} they hold it for longer than XXXX days. At present I have a check I deposited on XX/XX/XXXX and I was told by the bank it would be released to me on XX/XX/XXXX. 
1 ). Every single check I deposit over {$5000.00} is held longer than 7 days 2 ). No check coming into my account has every not been payable.

3 ). The holds cause my checks to bounce.

4 ). The checks are from the same companies month after month yet holds are always placed on my checks.

5 ). in violation of federal law I do not receive any notification of the hold or when it will be removed until a week later by mail or I have to call the companies customer service.

6 ). Bank of the West refuse to verify the funds so they can be release in violateion of Regulation CC which requires banks to release funds XXXX hours after the banks have verified the check is good.