23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was the victim of a job scam. I accepted the job and was told that I would start later that month and that I need to complete a written assessment. After I completed the assessment I was told that I would need to order office supplies, so they emailed me a check for {$4300.00} and told me to deposit it in my own account and to send them a receipt. My bank USAA accepted the check immediately and did not mark it as fraud. After depositing this check, the job scammers told me the following day they to wire nearly all funds to an account to pay for equipment. This was on XX/XX/2023. Then the following morning after I wired the money, they send me another check to deposit and said that the money sent previously was not enough for all my office equipment. I told them I cant deposit and send another check because I have a daily limit. I cut off all contact with XXXX XXXX after that and informed my bank. My bank did not help me until I called a third time and asked them to stop the check and the wire transfer. They stopped the check but blamed me for the job scam and refuse to assist me further. I was told my bank account was locked every time and under investigation since I reported the scam. USAA let me know that the wire transfer was stopped and that the check was stopped. I was told it would take XXXX calendar days, then up to XXXX business days before my account would be unlocked. I called USAA XXXX times a week for XXXX weeks until I was transferred to the fraud department who told me that my account was not locked, and that they did not stop the wire transfer because they believed it was my fault for being scammed and that I had to pay the $ XXXX due to the check being fraudulent. They did not say they knew it was fraudulent. I reported it as fraud which is why they stopped the check. They refuse to help me any further so I had to file a police report and contact the bank where the wire transfer was sent to by myself .l. After weeks of getting the run around and heading that everything was being investigated, I was rudely told by the fraud department that this was all my fault and that I needed to pay up. They also made it a point to bring up the fact that I previously disputed a charge from an app ca. Instead of helping me in a difficult time where I had to find someway to pay my rent since I was made to believe my account was locked and that they were helping me resolve this.
Product: Credit reporting or other personal consumer reports

Dear XXXX Customer Operations & Others, Your recent response in regards to Account Number : XXXX, including the payment history and verification, fails to address the core issue of inaccurate credit reporting and provides no sufficient proof to support the negative marks on my credit report. Despite your attempts to justify this, it is clear that your reporting of late payments for the months of XXXX, XXXX, and XX/XX/2024 is inaccurate, misleading, and violates FCRA 1681s-2 ( b ).

Key Issues with Your Documentation : The payment history you provided shows that payments were not made on time due to your failure to act within the 90-day grace period, and the fact that these payments were " made by XXXX with account closure '' only proves your negligence in handling the account. This is a misrepresentation of the facts that has directly impacted my credit standing. 
Your statement regarding payment reminders being sent to my email does not constitute verifiable proof of delinquency. Simply sending reminders does not meet the legal requirements for accurate credit reporting under FCRA 1681e ( b ), which mandates the highest level of accuracy.

Reporting late payments when you closed the account and made payments on my behalf is not only misleading but also potentially fraudulent and a clear violation of federal law. 
Demands : Given your continued failure to address this issue with valid proof or a legitimate explanation, I demand the following actions be taken immediately : Immediate Removal : You must immediately remove all negative and inaccurate information regarding my XXXX Credit Builder Loan from all credit reporting agencies ( XXXX, Equifax, etc. ). Your documentation does not support the claim of delinquency, and continued reporting is in violation of the Fair Credit Reporting Act. 

Cease Reporting : Until this matter is fully resolved, you are required to cease all reporting of this account to the credit bureaus. Failure to do so will be considered willful noncompliance and further damage my credit profile unlawfully. 

Legal Consequences : Your failure to act within 7 Days of receiving this email will result in immediate escalation. I am prepared to take the following steps : Initiate legal action for damages caused by this inaccurate reporting, seeking remedies under FCRA 1681n and 1681o, including statutory damages, punitive damages, attorney 's fees, and other associated costs. 

Conclusion : This is your final notice before I escalate this matter through legal channels. Your documentation is inadequate, and your reporting is in violation of federal law. I expect a full written confirmation of the removal of this inaccurate information from all credit bureaus within 7 days, or I will proceed with legal action without further communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Credit Plus ran a hard inquiry on my SSN. I did not authorize this hard inquiry and need it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX posting Equifax has not stop reporting XXXX XXXX, XXXX XXXX and XXXX XXXX .multiple times and fraudulently stating XXXX the status statement that accounts were removed when the accounts are still on my credit report for equifax.XXXX XXXX is posting that the above accounts are removed But they are not. 
Secondly. XXXX XXXX equifax has removed current and in good standing account XXXX XXXX. I never said remove that good standing account.XXXX XXXX system is missing up my credit status and score eqyifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX BANK XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX SER # XXXX, Account name : XXXX  XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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 or 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: Debt collection

I received nothing in writing for this debt whatsoever or even knew they were going to damage my credit. On top of that ive had this debt removed from my credit report 3 or more times and they keep popping back up under a different collection agency which is illegal. Once i win a dispute its supposed to never pop up on my credit again
Product: Student loan

The company has not adequately assessed the qualifying payments for the Public Service Loan Forgiveness program. 

The qualifying employment verifications has been submitted, per the company 's request, in the format required ( Ink signature from the employers ). 

The company continues to delay the assessment, and adjudication of payments affecting my ability to request new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX company and deal with all the major mortgage companies including XXXX XXXX XXXX, which I have a least 10 loans. The homeowners ' insurance for 3 of the XXXX  XXXX XXXX loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. XXXX  XXXX XXXX requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. XXXX  XXXX XXXX continued to request evidence of insurance and we continued to supply it. XX/XX/XXXX, I uploaded evidence of insurance to the website XXXX  XXXX XXXX provided and received confirmation emails of receipt. XXXX  XXXX XXXX placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. XXXX  XXXX XXXX has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of fraud and id theft, XXXX, XXXX, experian all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.
Product: Credit reporting

To Whom it may concern I 've tried two time to correct my address with Experian credit bureau, unfortunately my address still called a multifamily address which is not. In fact the right address is:XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, that 's the address i would like to have with experian credit bureau, i also want to correct my phone number. The number XXXX is no longer. My new contact is XXXX. The address XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX need to be removed. I previously had a social security number ending by XXXX, this number never been used to apply for any credit or loan. I do n't understand why there is an existing file on that number, regardless that previous social security number was surrounded to the social security administration for cross reference and also the name was reversed, the date of birth appeared to be wrong. Any lenders ( XXXX XXXX, XXXX XXXX, XXXX ) did n't have the previous number because it never been used to apply credit or loan. My question to experian is how did they get this number? the only number i am using is my social security number, the current one ending by XXXX. The only way experian can have my previous social security number is in case of being misled by lenders which is not because i also spoke with XXXX XXXX, XXXX, and XXXX in order to verify my social security number, they all have my current social security number ending by XXXX. I would like to keep XXXX file, the right one with the social security number ending by XXXX. 
Thanks! 
Best regards!
Product: Money transfer, virtual currency, or money service

Caller falsely identified as supervisor of my XXXX  XXXX and requested money to be sent. Payment was to be made for a shipment that seemingly needed to be urgently delivered. {$500.00} was sent through Remitly App at the assurance that it would be sent back with company.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to XXXX by XXXX is a VIOLATION of the HIPAA Act of XXXX. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX, XXXX XXXX, and all 3 credit bureaus : XXXX, Equifax and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act DISCOVER BANK ( Account # XXXX ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 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.
Product: Credit reporting or other personal consumer reports

XXXX  account XXXX disputed as inaccurate dispute came back as nothing will deleted or changed infact i filed a complaint with the cfpb and nothing was changed in the photo docs below u will see all the inaccurate reporting from the three credit bureos, ive marked the discrepancy between all three bureos XXXX  reports a collection account as open with monthly terms like a credit card and reports it late monthly so it re ages account to be more damaging i have no contract with this account with anyone ..the accounts .amounts, dates and statis are all diffrent
Product: Credit reporting, credit repair services, or other personal consumer reports

They have a wrong SSN listed under my account. They also have an account from XXXXXXXX XXXX Rewards that I never opened
Product: Credit card

Ally Bank ( Ollo Card ) has been receiving dispute requests for over XXXX months and not taken them seriourly. My credit report has been recently pulled to find a new rental for my home in both XXXX and XXXX XXXX. I have immediately denied HOUSING in both cities becuase of credit card debt listed on my report that is : a ) several years old b ) settled and CURRENT c ) the result of medical bills Although I stated all these facts when I disputed my directly with Ally Bank all they did was " verify '' the account and not look into whether they were actually legal, or had any affect on my ability to pay rent and keep a roof over my head ( they do not ). As I said, all my debt is being serviced ( through XXXX ) and this account is CURRENT. 

My lease is up and my apartment building suffered an electrical fire on XX/XX/year>. I have to move. I work in a job where I am paid enough to cover rent for the properties I am applying for and I am about to befcome homeless becuase serviced debt remains on my reports and none of the bureaus, or the lenders directly are bothering to listen to me, or do their due diligence to help and allow me to move forward with my life. Housing is a basic human need and I am being denied it. Continuously. I have a perfectly reasonable credit score ( XXXX XXXX despite the nefarious reporting ) and years of flawless payment history, however, I can not RENT AN APARTMENT.
Product: Checking or savings account

Since XX/XX/year> Capital One has not deposited any customers money from direct deposit or other routes. They keep saying it's a technical issue with a 3rd party ACH company, but has now been 3 days and we still don't have OUR money. We have no food, no gas, and no way to borrow money. They are still processing payments which is causing fees because no one has gotten their money. Monday XX/XX/year> is a holiday and if they don't have it fixed today it will be at least Tues and we can't go that long without any money. They are also currently being sued for over {$2.00} XXXX from cheating customers out of interest from savings accounts. Capital One is not communicating well either and has now said they don't have an ETA of when this will be fixed.
Product: Money transfer, virtual currency, or money service

Warning : SCAM ALERT- please be aware that this is NOT a XXXX  Customer Service App for XXXX. These scammers got into my account and withdrew upwards of {$4000.00}. They took over your account remotely when I called this number. I was trying to inquire about my XXXX card that never arrived to my address. When u realized what was happening, I called my bank XXXX Bank of America XXXX as the hackers were still on the phone hacking my accounts.i spoke with a XXXX around XXXX on XX/XX/XXXX. She heard the hackers on the phone telling me not to report it to my bank, because they would return the money in three days. I directed the bank representative to freeze my accounts and stop all transactions at once within the last hour. XXXX passed me over to a XXXX in fraud after she assured me that she had cut the ATM services. To my dismay, I found out that transfers went through to XXXX and XXXX. They also sent funds to some fictitious accounts. XXXX told me that I may or may not get my money back. I felt this was not an accurate statement as a customer of 20+ years to this bank. I know my money should be protected under FDIC. I am not about to pay bills, put food on the table, or get gas for the remainder of the month due to Bank of America permitting this hacking to go through despite me calling them in the midst of it happening. They said they are investigating, and I will be contacted by a detective. I am working with the police and my bank to bring these crooks to justice quickly. I hope they credit my accounts back fully regardless. I need my funds to pay bills and eat. Please help. These transactions should have been stopped.
Product: Mortgage

Its really bad when you have excellent credit, can payoff your loan with liquid assets you have in the bank and are only asking to borrow 48 % of the value of your home that you can not get loan approval from PNC. I will definitely let others interested in home loans not to bother with PNC. 
On the other hand, I dont blame PNC, I would rather make 5.75 % on an investment than 2.75 %. 

This is an email I sent to PNC. Seeing that the above is true and correct, I feel that Im being denied a refinance loan due to the fact that two ( 2 ) XXXX and senior woman applied together for this loan that we are being discriminated against. 

I never received a response to this email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian, XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 171 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a voluntary repossession on the XXXX account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.