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

on XX/XX/2023 i sent out a dispute letter for inaccurate accounts that had been reporting on my credit report, some accounts are duplicates with diff account balances and alot of inaccurate reporting from all three credit reporting agencies, i sent out proof of my identity drivers license, mail from home address, last 4 digits from ss # on dispute letter, and XXXX sent me a letter past 30 days stating the dispute letter wasn't from me, Experian and XXXX have not reached out to me not even one time in 90 days and my first dispute letter in XX/XX/2023 they are clearly neglecting my right to challenge anything i believe is not accurate on my credit file and violating my consumer rights and also being uncompliant with FCRA and METRO 2 COMPLIANCE GUIDELINES, this agency has put stress, frustration and XXXX to my life because of there wrong doings, which has put my financial status in jeopardy to move forward in life, ive listed a few violations below, but not limited to all that apply to my credit profile, i have attached some documents with this compliant as well with certified mail reciept. 

( 1 ) 15 U.S. Code 1681s2 ( a ) Reporting Information with actual knowledge of errors 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. 

( 2 ) 15 U.S. Code 1681s-2 ( b ) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, ( ii ) the information is, in fact inaccurate ( 3 ) FCRA 623 ( a ) ( 3 ) Duty of furnishers to provide notice of dispute If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute ( 4 ) FDCPA 807 ( 8 ) False or misleading representations Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 5 ) 15 U.S.C 1681i ( 5 ) ( a ) Treatment of inaccurate or unverifiable information ( A ) If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Product: Debt collection

daily calls are rec'vd by  XXXX  ( ERC Collection company ) - they do not speak, they do not identify themselves and they do not hang up I have called them repeatedly to have this stop - but they claim no knowledge of phone calls - this is repeated harassment - my most recent phone call to them was on  XXXX   XXXX   2017  at  XXXX  - I spoke to  XXXX   XXXX  - who  tried  to confirm personal information - which I refused, other than my name and address
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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: Vehicle loan or lease

I went on the " XXXX XXXX XXXX '' website and was referred by General Motors/XXXX to XXXX XXXX. I took the vehicle home on the advertised, `` drive our car for 3 days and if you don't like it, return it without every purcharsing policy. 
I attempted to return the vehicle on XX/XX/2018, the day after I took the vehicle home and was not satisfied with it. General Motors/XXXX and their agent XXXX XXXX signed my name to a fraudulent sale, in violation of laws of the State of Michigan and United States Government.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX replied with a letter XX/XX/2020. They addressed the issue about this bill. I disputed this account several times. They stated they would cease any attempts to collect on this bill. They said they would contact the bureaus if they wanted to resume collections. Equifax has failed to remove this from my credit file. I think the credit bureaus should be held accountable. This changes a person credit history tremendously. This affects people lives. I want this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00}
Product: Checking or savings account

On XX/XX/XXXX I reached out to the Dave XXXX XXXX to let then know my email had been changed on there app without my consent. Again in XXXX I let them know my account information was being changed without my consent. I was told to change my password, which I did. They also told me that they were unable to log out any devices that may still be logged into my account. 
On XX/XX/XXXX I had an unauthorized transaction occur in the amount of XXXX Over the next 2 days my contact information was changed over XXXX times, they should have records of this. I would change my information and someone unknown would change it back to theirs immediately, until I was told the information had been changed too many times and it was left on the unknown persons address, phone and email. It was a banking holiday and out of fear of further theft and frustration I closed the account. 
I reported the unauthorized transaction to the institution the same day it occurred. I also put a fraud alert on my credit report and froze my report with all 3 agencies. I reported the transaction to the institution that the transaction was sent to.

DAVE first said they were not opening a dispute because I closed the account. After explaining why they said they opened a dispute. When I informed them I never recieveed the dispute form they told me that I had told them I didn't want a dispute. Leading me to believe that, evem though I told them my account had been hacked and gave them my contact information, they sent the dispute form to the email the hackers put into my account. 
Now they refuse to reopen a dispute, even though I never recoeved any information about the dispute. They are stating I need to resubmit new evidence, such as a police report. There data should show my complaints from XXXX and XXXX and show that my information was changed numerous times on the date the unauthorized transfer occurred. I gave them ample warning that my account had been taken over by an unknown person and they did not act to prevent the people from being locked out of my account leading to the unauthorized transaction. I have never done buisness with the account the money was sent to and I have sent DAVE copies of all the things I filed afterwards. 
We have sent over XXXX emails and it seems they are closing to go with the unknown persons request to close the dispute rather than my account, the true account holder.
Product: Money transfer, virtual currency, or money service

Original Transfer Amount : {$2500.00} Date : XX/XX/XXXX WF XXXX ( XXXX ) WF XXXX ( XX/XX/XXXX ) This is my second complaint opened for the same issue ( XXXX ), I would like to include more details this go about. Currently my claim status is closed and the bank is " awaiting recovery '' of the funds from the external bank. At this point there are two problem that I would like to address, firstly I have not received communication as to what went wrong with the original transfer, the bank is saying it is completed yet they can not get in touch with the receiving bank to verify this. Secondly I sent a successful wire through a branch using the same information I typed online and it was successful. It is my assumption that Wells Fargo somehow sent the instructions incorrectly to the receiving bank and because of this the receiving bank ( XXXX ) either did not deposit the funds to the correct account or they deposited into their bank general ledger. I think this because at no point have I been informed of an error made by myself. If the bank is responsible for the error than they should write off the transfer as a loss and credit the funds back to my account. Also I am not sure how they can assume it was completed if they can not even verify it with the external bank. I was told when I called in that their wire operations team could not get in contact with the bank. It is my feeling that WF is covering up there mistake and passing the blame on me without saying either way. If the instructions were provided in-correctly then the wire should have been reversed by default. This has been an ongoing issue for over 3 months at this point, I am livid with the pace of this and require answers. I am coming to the conclusion that Wells Fargo is purposely with-holding my funds due to the impending recession.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted experian credit company to cancel the family membership because I was not able to use the features like sharing with family We contacted experian several times before canceling. The representative didnt want to refund at first but refunded after brief conversation. Now my credit score has dropped 5 points.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have 3 Citibank credit cards and have been victimized by them over charging customers and would like to be included in the class action suit. I also want to know if I can have those debts removed from my credit in light of the companies latest deception? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So please have these accounts UPDATED : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

They were holding my paycheck because they said that there was a problem with the issuer. I called my companys payroll and they told me that there was no problem with my check. I asked Wellsfargo for an explanation of why theyre holding my check, but nobody can give me any explantions at all. Like they make me feel like they can just hold my check whenever they feel like it. I was charged more than {$400.00} dollars for overdraft fee because all my automatic payment were withdrawn and they told me they can do nothing to stop it!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus known as XXXX, TransUnion, and XXXX  are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore XXXX, TransUnion, and XXXX  are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' needs to be removed from my credit report immediately. 

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.
Product: Debt collection

Portfolio Recovery are currently reporting accounts in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
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 NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX 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: Mortgage

I closed on a VA loan and on the very day of XX/XX/2019, while I was signing the closing documents, Chaos called XXXX XXXX XXXX, XXXX, FL, asking that the the closing check not be cashed because there was a problem. XXXX told Chaos it was too late because the funds had been distributed already. 
The closing was completed, after which Chaos was to be paid {$2200.00}. as the first payment on XX/XX/2019, and after which I was informed that my mortgage was to go to XXXX XXXX at Chaos address in XXXX XXXX, effective XX/XX/2019. My first payment was sent toXXXX XXXX /Chaos Home Loans on XX/XX/2019, at Chaos XXXX XXXX Address but was lost or never cashed. It was never found. 
The XX/XX/XXXX and XX/XX/XXXX payments to XXXX XXXX were processed without any problems. 
.The XX/XX/XXXX payment, XXXX XXXX XXXX XXXX Check XXXX XXXX, was dated XX/XX/2019, was cashed and deposited into a personal account at XXXX XXXX XXXX by someone named " XXXX XXXX '' or XXXX   XXXX '', but has never been credited to my mortgage. As such, my credit rating has plummeted to the XXXX, and I can not refinance my VA loan. 
My XX/XX/XXXX payment was returned by XXXX XXXX due to non-sufficient funds. Had it been presented the next day a second time, it would have been paid, but XXXX chose not to present it a second time, and that check also was given to " XXXX XXXX  '' and has been lost to this current day. 
I am asking that since I talked to a Manager, named XXXX, at XXXX XXXX in XXXX, a call that I'm sure was recorded, and she said during the call that she located the XXXX check. I asked that it be posted to the account. She agreed to do so, but it was not done. Since XXXX received my payment of {$2200.00} from my bank account on XX/XX/XXXX, and failed to post it to my mortgage, I seek a refund of that amount so that I can make my XXXX payment and bring my account up to date and that all late fees be cancelled. 
How Chaos called me on a day that my wife and I had decided to move to this home, I will never know, unless my wife and I targeted because of our age of middle XXXX 's. 
Further, I plan to file a complaint with the VA Inspector General to investigate the practices of Chaos Home Loans and XXXX XXXX so that checks from Veterans should be accounted for, i.e., the lost XX/XX/XXXX payment from our XXXX Account and the lost XXXX payment from our XXXX XXXX XXXX XXXX, Organizations such as these should not have VA loan rights to service Veterans loans.
Product: Vehicle loan or lease

The car was totaled in the year of 2015 it still being reported on the credit
Product: Debt collection

On XXXX XXXX 2017, I revieved a call from an unfamilliar local Area Code & therefore did n't answer. After XXXX the phone # to no avail, I XXXX & called it back & found out it was ( also ) Transworld Systems Inc . They had already called before on ( XXXX ) XXXX so was this a tactic of Deception by the appearance of calling from a local #, just to catch the person off guard & get them to answer?? I did some research & found out that Transworld has NO Missouri offices & also that this is a Landline based in XXXX XXXX ( city ) MO ( just like I am ) & the # is provided by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ). Is this a normal practice for any kind of reputable business?? Transworld Systems has already been in big trouble with the FTC assessing record fines. Apparantly they were not enough to make the company conduct an ethical & fair business.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I was in a car accident on XX/XX/2021. My car was totaled by a driver who ran a stop sign, and my insurance XXXX XXXX, claim # XXXX XXXX paid off my auto lender. 

The account still shows that its active on my credit report and its stopping me from getting approved on any car. 

The insurance paid my auto lender on XX/XX/2021 and it was paid to Toyota motor credit corporations. On the credit report it shows XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX. 

I need this removed from my credit report because it has been paid off and I need to purchase a new vehicle in order to get to work and to my doctors appointments.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/year> IC SYSTEMS INC Acct # XXXX IC SYSTEMS INC XXXX XXXX XXXX XXXX XXXX, MN, XXXX Subject : Cease and Desist Demand and Formal Dispute of Information Dear XXXX SYSTEMS I am writing to formally dispute certain information on my credit report that I believe is inaccurate, unverifiable, or reported without my consent. Furthermore, this letter serves as a Cease and Desist Demand requiring you to stop reporting, sharing, or disseminating this disputed information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report and to ensure that all information being reported is accurate, fair, and verifiable. The following items are in dispute : IC SYSTEMS INC. {$300.00} I also assert that I did not provide written authorization for the furnishing or dissemination of my credit information in relation to [ specific account or inquiry ]. Such activity violates 15 U.S.C. 1681b, which governs permissible purposes for obtaining and sharing consumer reports.

Cease and Desist Demand : Effective immediately, you are to cease and desist any further reporting, sharing, or dissemination of this disputed information to third parties, including creditors, lenders, or any other entities. Continuing to report inaccurate or unauthorized information may result in further legal action, including complaints to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). 

To resolve this matter, I request the following actions : Conduct a full investigation into the disputed information and provide me with written verification of its accuracy and permissibility.

If the information can not be verified, DELETE it from my credit report immediately.

Cease all reporting and dissemination of the disputed information while the investigation is ongoing and after resolution.

Provide me with a corrected and updated copy of my credit report.

Enclosed are copies of documents that support my dispute and verify my identity. Please acknowledge receipt of this letter in writing and complete your investigation within the time limits prescribed by law ( typically 30 days ).

Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act and other applicable laws.

Thank you for your immediate attention to this matter. Please contact me directly at [ your phone number ] or [ your email address ] if further clarification is needed. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Friday XX/XX/2020, I called the phone number twice for the EIP card I was supposed to receive, XXXX ( XXXX ) XXXX around XXXX. Both times I was unable to get someone on the phone and I was also unable to get help. 

My card was sent to the wrong address, something I wasn't aware I needed to fix until slightly too late since I did use direct deposit and electronic payment for my taxes. I moved to a new address and am unable to get the card from the new tenant for whatever reason. I also want to put a hold on the account which I can not do because when I tried to call I was told to get an account number and call back by the operator voice. I also was unable to report it lost because I haven't received it for the same reason! I did try going online but I have the same problem, no card, no way to get it.
Product: Credit reporting or other personal consumer reports

My equifax credit report is reporting inaccurate information to consumer and different company my credit report is showing XXXX but equifaxs is reporting XXXX a different score plus company are stateing such stuff as public records but there no such thing on my credit report from what I can see so equifax is reporting misleading information I know they are reporting wrong information
Product: Mortgage

Have a home equity line of credit from Bank of America since 2018. Selling my house and needed to close the account for release of lien. Made all my payments on time. XXXX  balance. BOA now charging a early closure fee of {$450.00}!! in addition to a lien release fee. Never was told at closing in 2018 regarding all these fees. Just a total ripoff.