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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

I WOULD LIKE TO REPORT A BILLING ERROR AND SECURITIES FRAUD FOR PAST BILLS/ CERTIFICATES OF INDEBTNESS ACCORDING TO 15 USC 1666 b TIMING OF PAYMENTS. EXETER FIANANCE IS IN VIOLATION OF SEVERAL RULES GOVERNING CERTIFICATE OF INDEBTNESS AND OPEN ENDED LOAN PLANS. THE COMPANY IS REPORTING A LATE PAYMENT TO THE CREDIT BUREAUS AND CODE OF FEDERAL REGULATIONS STATES CREDITOR MAY NOT REPORT ANY PAYMENTS AS LATE UNDER SUCH TYPE OF LOAN PLAN. THE COMPANY ALSO DID NOT CREDIT MY ACCOUNT FROM THE DIVIDEND PAYMENTS THAT THEY MADE OFF OF MY TREASURY COUPON. VIA THE ELECTRONIC FUNDS ACT, I WAS SUPPOSE TO RECEIVE MY DIVIDEND PAYMENTS BACK TO MY DEPOSIT ACCOUNT. PLEASE REFER TO 12 CFR 1026.3 BILLING ERROR RESOLUTION RULES PENDING. I ALSO NEVER RECEIVED THE 20 % OF SHARES I WAS ENTITLED TO FROM THE SELLING OF DEBTORS SECURITY. SHARES WERE TO BE TRANSFERRED TO MY TREASURY DIRECT ACCOUNT XXXX. CONSUMER IS FILING INDIVIDUAL INVESTOR COMPLAINT WITH SECURITIES AND EXCHANGE COMMISSION ALONG WITH REQUESTING AUDIT OF THE ACCOUNT FROM IRS OMB FORM 211. I ALSO NEVER RECEIVED ANY LOAN FROM EXERT FINANCE, BUT YOUR REPORTING ON MY CREDIT REPORT THAT I HAD AN AUTO LOAN, BUT THIS IS INACCURATE INFORMATION. YOU SIMPLY PURCHASED A CONTRACT AND THE CONTRACT IS ONLY VALID BETWEEN CREDITOR AND SELLOR. I AM THE DEBTOR AND SUPPOSE TO RECEIVE DIVIDEND PAYMENTS FROM THE CERTIFICATE OF INDEBTNESS / SECURITY CREATED WITH MY SIGNATURE.
Product: Student loan

On XX/XX/XXXX I tried to contact Aidvantage by telephone at the number given in a letter that I received dated XX/XX/2024. I got an automated service and could not speak with a person. On XX/XX/2024, I tried to get an email address from aidvantage.studentaid.gov/contact-us as directed by the letter. There was a chat option to speak with a representative, but I got a message stating that the " chat site was down ''. 
I need to contact them before XX/XX/2024 about the amount I am being charged per month. I am XXXX XXXX XXXX and on fixed income. 
Aidvantage does not make it easy to contact them. I am trying to do the right thing and pay, but I can not pay {$340.00} out of a fixed income. I need a much lower amount to pay,. I need help.
Product: Money transfer, virtual currency, or money service

For entire month of XX/XX/2023 I tried transfer money from Bank of America to another financial institution-5 times through previously installed line between my account in BoA and other financial institution, every time posted transfer was returned back to my account of BoA without any reason and information. I set up appointment with manager brunch of BoA, we spent 1.5 hrs. without any result, contacting upper level of the management BoA, available for brunch manager. 
I contacted a few times the President of BoA for retail XXXX XXXX XXXX, and a few reps from BoA called me and per their investigation provide me with information about my posted transfer, again, without any explanation HOW and WHO made this mess and without any responsibility/compensation for losing money, which my family expected profit for such transfer. 
I expect involvement CFPB in such mess and result, including my family hope for compensation from BoA for such business behavior for us, average Americans
Product: Credit reporting or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I open a paypal account to make a donation. I closed the account? I keep getting statements from pay pal showing the account is open and active .I follow the steps to close the account. Now after closing the account the web site keep telling me they have a problem on their end and I can't close the account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL NAMES listed are NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- - ALL addresses listed are NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Potentially Negative Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Account Type XXXX  Loan Balance {$4900.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - DisputXXXX XXXX XXXX XXXXXXXX. 
XXXX Potentially Negative Status Account charged off. {$160.00} written off. {$160.00} past due as of XXXX XXXX. 
Account Type Credit card Balance {$160.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXXXXXX XXXX Potentially Negative Status Account charged off. {$470.00} written off. {$220.00} past due as of XX/XX/XXXX. 
Account Type Credit card Balance {$220.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXXXXXX Potentially Negative Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$1700.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Account charged off. {$550.00} written off. {$820.00} past due as of XX/XX/XXXX. 
Account Type Deposit Balance {$820.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX Paid, Closed. 
XX/XX/XXXX XXXX XXXX XXXX Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX < -- - ALL accounts listed are NOT MINE. FCRA violation reporting wrong information in my account, FCRA requiries 100 % accuracy this is unlawful and unjustice to do this to my report causing major damage to my credit score.
Product: Debt collection

This is a follow up concerning case # XXXX. Current complaint # XXXX, In XX/XX/2018 case # XXXX. 
This time under the name Midland Funding LLC. Sued me on XX/XX/2018. After CFPB got involved Midland apologized. 

Case XXXX after CFPB Midland agree and agree that my address was going to be put in do not Mail As you can see they sue me on 3 different time for the same for the same debt. They use different names But is the same company. 

They are not living to their commitment to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. 
I received several notices from XXXX XXXX XXXX ( XXXX ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted XXXX at that time and informed them that the dealership was handling everything. After a few more notices from XXXX, I repeatedly contacted the dealership and asked that they do something about the invoices from XXXX and they repeatedly assured me that they were taking care of it ; in hindsight, they werent. 
I heard nothing from XXXX after the dealership informed me that they took care of everything, clearing up the situation with XXXX and that they sent a payment to XXXX  to cover the lost key. 
I recently checked my credit report and found that XXXX had entered a charge-off against me. XXXX never advised me in advance that XXXX would be reporting a bad debt. I submitted a dispute with XXXX and Equifax regarding the charge-off. Both bureaus reported that they had contacted XXXX and that the charge-off was correctly entered by XXXX. I contacted XXXX  and they informed me that the dealership, or the warranty company, had indeed sent XXXX  the balance due on my account, but that XXXX had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing XXXX  could do to rectify that since it had already been reported. 
Because the dealership ( and the warranty company ) were delinquent in sending XXXX the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.
Product: Checking or savings account

I received a letter from U.S Bank relaying they are closing all my accounts with them with no apparent reason of to why they have come to this decision. My parents opened a minor account with me at XXXX XXXX XXXX and have been banking with U.S bank since then. Over 28 years of service with them. I have never given them an ounce of issue with my accounts. I have had direct deposit for over 7 years with them, a car loan, and a lime of credit which all have been paid and paid off on a timely manor. Never defaulted on any of their loans. Yet their industry can not give me a valid reason on to why they decided to close my accounts with them. I would like to know what the reason is to help resolve any issues they may have or ease any scarce thoughts they may have.

Thank You
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account with XXXX XXXX XXXX : Account Number XXXX, and another account with XXXX XXXX XXXX : Account Number XXXX, which have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of these accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that these consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My loan was transferred from XXXX XXXX XXXX  to XXXX XXXX XXXX. TransUnion refuses to update this information on my account and continues to show the old loan and old amount owed with no payments shown and an inaccurate amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON XXXX AND EQUIFAX CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX,  the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to Equifax and XXXX was sufficient proof of the re-aging and XXXX AND EQUIFAX HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM XXXX, EQUIFAX AND XXXX XXXX XXXX XXXX, for their consistent violations of the FCRA.XXXX XXXX admitted to verifying this account at least 40 times in the above named CFPB complaint.
Product: Checking or savings account

On XX/XX/XXXX, I used my Cash App debit card to purchase an XXXX XXXX  from XXXX XXXX XXXX. 

When the unit arrived however, it was defective. It had problems with not only the directional pad but its XXXX unit. 

I tried to get XXXX to exchange my unit for a working one and they refused multiple times despite having video and photographic proof I published to the public. 

Since that route didnt work, I filed a dispute with CashApp. After not even a day, they denied my claim. When I asked for information used to make that decision as that was way too fast to possibly look at the emails, photos, and videos, they just literally sent me a blank page. No interviews with anyone in the company, no investigation records. XXXX. The bank did no investigation whatsoever yet felt compelled to deny me my refund. I filed twice and the same thing happened both times.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the Specific inquiries that are falsely being reported on my credit that I requested to be removed : 1. XXXX XXXX  Date : XXXX 2. XXXX XXXX - Date : XXXX 3. XXXX - Date : XXXX 4. XXXX XXXX  - Date : XXXX 5. XXXX XXXX Date : XXXX 6. XXXX - Date : XXXX 7. XXXX  XXXX XXXX  - Date : XXXX 8. XXXX XXXX XXXX - Date : XXXX 9. XXXX - Date : XXXX 10. XXXX XXXX - Date : XXXX 11. XXXX XXXX  XXXX XXXX - Date : XXXX1XXXX  12. XXXX XXXX - Date : XXXX 13. XXXX XXXX - XXXX 14. XXXX XXXX XXXX  XXXX - Date : XXXX These are all false inquiries that I requested by mail and follow up complaint to be removed today. I wrote these detailed notes to XXXXXXXX, Trans Union. And XXXX last month. Im being targeted.
Product: Checking or savings account

On XX/XX/XXXX my employer XXXX XXXX XXXX authorized a payroll deposit to my checking account with Bank of America to provide sufficient funds for automated ACH deductions that occur monthly. Unfortunately the Federal Bank Holiday that occurred on XX/XX/XXXX delayed the deposit until XX/XX/XXXX. Bank of America allowed three automated ACH transactions to occur on XX/XX/XXXX causing three overdraft charges of {$35.00} each totaling up to {$100.00} in bank fees to be deducted from my employer 's bank deposit. This caused a severe financial hardship and I inquired with the bank through their automated XXXX customer messaging system about seeking waiving of these fees as I did not have control that the ACH deposits would still occur prior to the employer deposit on a bank holiday. I was not provided relief of these charges and am seeking the assistance from the CFPB to convince the bank of waiving these overdraft fees in good nature of the issues caused by this bank holiday and allowing of charges to occur prior to my employer 's bank deposit. Thank you.
Product: Checking or savings account

The current checking account has overdrawn, insufficient funds and returns from other companies. The only thing that's preventing these occurrences are mainstream documents and local merchants. The success are deposits and incoming and outgoing wires. Please be advised that the checking is both domestic and international transactions. The awareness is off of a pension withdrawal and the problem conflicted is not enough information drawing from the account. The opening was precedent only to assure unreasonable doubt. No information has been displayed since the opening.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX for Account : XXXX XXXX XXXX ( Account # XXXX ). Specifically, Transunion is reporting the account as " Pays account as agreed '' with a " XXXX days past due '' delinquency ; XXXX has since deleted the account due to inaccuracies. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Debt collection

William Fudge is not licensed to collect a debt in Missouri. Williams & Fudge , Inc. XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$25000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

I used the Citi 's promotional offer to open Citi checking account. As per that promotion, I am suppose to get {$200.00} cash back after keeping {$5000.00} as balance. I deposited {$5000.00} on XXXX XX/XX/2020. Since last 2 days - I am checking with Citi 's customer service ( which is slow, sluggish and inefficient. Citi has become so big with the general implication that " left hand doesn't know what right hand is doing ''. I am being transferred from one agent to another and vice versa. No answers. It's total waste of time to deal with customer service folks in Citi. 
Why Citi is hiring and outsourcing jobs outside of USA - very poor performance by these overseas employees of Citi towards USA based customer like me