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

Please make appropriate corrections reported as late payments on XXXX XXXX listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX the items are UNKNOWN to me. please remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on several of occasions to remove the address they have on file on my credit report for XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Please note that I have never ever used this address, I dont know anyone at this address and I should have never ever had any sort of bills at this address. My current address since 2002 and to present is XXXX XXXX XXXX, XXXX, IL XXXX.
Product: Checking or savings account

On XX/XX/XXXX Bank of America and their merchant service first data informs me of fraudulent attempts to deposit via credit cards that are fraudulently used. This started with 12 attempts by the end of the day they were 72. Play the beginning of XXXX there were over XXXX and within a few days it was up to XXXX attempts. The Bank of America says I have to pay a fee for each attempt of a fraudulent action that they knew on XX/XX/XXXX was occurring. After hours and hours of trying to reach people and discuss with him this issue Bank of America said give them 5 to 7 days to refund the fees. It is now 30 days past and theres no attempt to deposit back the money they withdrawal for fraudulent fees, they do not answer their emails anymore, and they are simply blaming us for fraud attempts on our checking account. Theyre taking out the fees put us too low to pay our bills in a timely manner. Theyre taking out the fees is now starting another month of not enough funds to pay our bills at all. This is on our foundation account, we have not received any donations for quite a while our big donors died of XXXX. We have not advertised recently but are planning an event at the end of the month. Not having our cash back is going to affect our ability to actually do a great job at our goals. We are in the business to save lives and they have destroyed our efforts. 
Im at my XXXX  XXXX trying to get someone to explain why they can take out fees for fraud that they knew and were the ones notifying me took place. Now they told me I could end up with more fees this month for the beyond the XXXX transactions. 
What are we supposed to do, how are we supposed to pay our bills if the Bank of America is going to charge for fraudulent transactions? Is this not something the government tries to stop? Can they just continue to charge me fees? 

This is also Bank of America XXXX XXXX ( foundation income ).
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run by by XXXX XXXX which involved me making deposits for a total amount of {$340000.00} USD from my Chase Bank account to fraudulent investment firm ( XXXX ). 

Date wired Amount Transaction XX/XX/2021 {$80000.00} Domestic Wire to XXXX XXXX XXXX XX/XX/2021 {$100000.00} International Wire to XXXX XXXX XXXX XX/XX/2021 {$75000.00} International Wire to XXXX XXXX XXXX XX/XX/2021 {$50000.00} International Wire to XXXX XXXX XXXX XX/XX/2021 {$30000.00} International Wire to XXXX XXXX  XXXX XXXX XX/XX/2021 {$10000.00} International Wire XXXX XXXX XXXX XXXX  Limited
Product: Credit card

On XX/XX/2023 I made a deposit on XXXX for an order from one of their participating companies.. 

The company did not produce the goods in the agreed upon time fame and insisted on a dircet Wire Transfer for the full amount claiming they would refund the Credit Card Deposit. 

I reported the Wire Transfer demands to XXXX and they refused to assist even though a Wire Transfer ouside of the XXXX site violates there terms and they warn agianst it. 

I then filed a Chargeback Request through Chase, my credit card company and they refused the chargeback saying " While you may have a valid complaint ... the transactions are valid ''.
Product: Money transfer, virtual currency, or money service

Hi, I have been using Abra XXXX, which is a cryptocurrency exchange mobile wallet https : XXXX From XX/XX/XXXX they will disable withdrawals of the XXXX token, these XXXX tokens were earnt on the platform through Yield, Swaps, Purchases or Referrals. 

They have also disabled swaps before this date on the platform. 

It's currently only possible to sell these tokens on another platform, which is currently in the process of also delisting XXXX 

Abra has also recently increased the withdrawal fees to XXXX which at the current price is {$18.00} after the price has collapsed significantly since the announcement. 

Then there is a XXXX withdrawal fee. 

So it's currently not possible to withdraw for lower balances. 

I'm also still owed rewards, the last email I have had from Abra is that they were to payout these rewards at XXXX which at the time of writing is significantly above the current market price and withdrawals/swaps will be frozen indefinitely as per there email. 

So between me and my wife we had over $ XXXX in XXXX now worth much less due to Abra 's poor management. Swaps have been disabled ever since we received the coins.
Product: Checking or savings account

I, XXXX XXXX have POA over my Sister, XXXX XXXX since XX/XX/XXXX who is currently in a XXXX XXXX. I am trying to get XXXX for her. One of the requirement is copy of her bank statements for the last five years. I have contacted Capital One Bank on three separate occasions, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting this information. 
On XX/XX/XXXX and XX/XX/XXXX I was told it would take 5 business days to mail this information to me. On XXXX was told by an employee ( XXXX ) it would take 15 business days. This information is needed to complete the XXXX application.
Product: Credit reporting

Transunion is listing an account from XXXX XXXX XXXX. I disputed the account as invalid. I owe no money to anyone. Please delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a 38 page pdf file documenting my experience with Barclay 's Bank Card for a service I paid for that was not rendered. As you review the attached information you will see that I contested a charge from XXXX For Less to fix a transmission of one of my cars that I repeatedly had to bring back to them to fix which they never fixed correctly. Barclay 's Bank Card initially credited my account for this issue, but then put the charge back on my card based on the vendor 's hand written letter indicating that I had a 2 year warranty for the work performed. Based on this I continued to take the car back to this vendor to have it fixed correctly which was never done, then coming to the end of the 2 year period I resubmitted to Barclays Bank Card for this to be credited to my account which they responded that it had been too long for them to contest this with the vendor. You will see that I continued to contest this entire escapade with Barclays Bank Card and during that time they turned my account to their collections department while I was still engaged with their billing dispute department. Finally after over a 2 year dispute I agreed to settle with Barclays Bank Card with the condition no late payments would be filed with the credit bureaus which is the reason for my complaint. The fact that Barclays Bank Card says they tried to contact me for more information and I did not reply to them is insulting. You will see in the attached documents I contest the fact that I did not respond. My request is quite simple, although I am not pleased at all with this entire experience with the vendor as well as Barclays Bank Card I do not feel that late payments should have been reported to the credit bureaus causing my credit score to drop 77 points because I was still in communication with the Barclays Bank Card 's Billing Dispute Department trying to resolve this situation when they apparently flipped my account to their Collections Department. The last point I would like to make which I am sure you in your line of work are familiar with is that with well over 100 hours invested in my attempt to resolve this situation I was never able to speak with someone who had the knowledge and authority to help me with my problem. I repeatedly was told the same things as if they had a script which can also be seen in the attached correspondence. Finally the only thing I am asking for is to have the late payment reporting to the credit bureaus retracted based on Barclays Bank Card inappropriate handling of this situation. Thank you in advance for your help with this matter. XXXX XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX reviewed my recent consumer report and there are inaccurate and unauthorized transactions and reporting on my file that need to be deleted and updated to PAID AS AGREED/ PAID IN FULL? CURRENT and all GOOD standing marks Only showing on my consumer file.

I see that there's late payments and negative reporting transaction showing on the credit file and I am in need of all the PROOF and EVIDENCE for the Creditors and the Consumer reporting agencies to furnish and report any of my information to any 3rd parties.

If they do not have my written permission to report, then, they MUST remove and update my credit report as I demand...

15 usc 1666b- No corporation can report and furnish any late payment for any reason without the consent of the consumer. PROVIDE PROOF PRIOR TO REPORTING ILLEGAL Information that is inaccurate.

These corporations and consumer reporting agencies must delete the inaccurate information immediately XXXX, XXXX I have never been late... Never been late as this account is paid in full/ Current.

Mercedes Benz : I have NEVER been late and I need this account to be updated.

I also need a copy of the 1099c and the title as they are in breach of contract and breach of fiduciary duty. I sent IRS the 56 form, 3949a, 211 ... with a w4/ 1040v/ 1040/ Proof of fraudulent transaction and payment history. They owe me all the unearned interest payments for all the months that I overpaid since XXXX. 15 usc 1615 XXXX XXXX XXXX XXXX : I was NEVER late and I need this updated immediately. They also need to send me the 1099c, Processed Documents, warranty deed, and all the unearned interest payments that I have overpaid and that they are not paying Taxes on as this is proof of securities fraud. 

XXXX XXXX : I was Never Late. I need this account updated. 

XXXX : I was NEVER late and I need the account updated immediately
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. 

Account Name : XXXX XXXX XXXX GA XXXX Account Number : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address Equifaxs failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit ( Complaint # XXXX ), and filing prior CFPB complaints ( # XXXX on XX/XX/2024, and # XXXX on XX/XX/2024 ), Equifax reinstated fraudulent accounts without providing a valid reason.

Equifax has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their policy prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft, as evidenced by my submitted FTC XXXX XXXX # XXXX. 

On XX/XX/2024, I submitted an FTC Identity Theft Affidavit disputing XXXX fraudulent collection accounts on my credit report under CFPB complaint # XXXX, providing all required documentation to facilitate their removal. Despite this, the accounts remain, and supervisors have stated that " policy '' prevents their removal, which contradicts FCRA 605B 's requirements. I do not recognize these accounts, collections, late payments, or charge-offs ; they are the result of identity theft and fraud. 

I am resubmitting all required documents and demand the immediate removal of these items within four days of receipt, in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 1666B A creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose. 
In I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore past due reportings must be removed immediately. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX reporting past due XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX reporting past due Dept of Ed/XXXX  # XXXX XXXX XXXX Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX & XX/XX/XXXX reporting XXXX XXXX Dept of Ed/XXXX  # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX XXXX XXXX reporting past due Dept of Ed/XXXX  # XXXX reporting past due Dept of EdXXXX # XXXX reporting past due XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX reporting past due XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX reporting past due Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond promptly. I prefer that we both avoid pursuit of my rights under XXXX XXXX section XXXX and XXXX, which requires your compliance with the law. 

Thank You for you time and attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint regarding the Fraudulent information reporting on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was XX/XX/2022 with complete attachments of my Personal information. I am a victim of Identity Theft and I have reported the theft of my identity to the FTC. The items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. The items listed below are the results of the Identity Theft, therefore I am requesting the Credit Bureaus to comply with the law and remove these from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX  Balance {$0.00} XXXXXXXX XXXX Balance {$0.00} XXXXXXXX XXXX Balance {$850.00} XXXXXXXX XXXX  Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$83.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding XXXX handling of accounts
Product: Credit reporting or other personal consumer reports

Account was Fraudulently opened using my identifying information without my consent. XXXX XXXX no longer has a business relationship with XXXX XXXX XXXX. And XXXX XXXX XXXX  continues to report this fraudulent account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14, 15, 16, 17 and 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.