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

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Product: Checking or savings account

Between the dates of XXXX and XXXX I was charged numerous ( between XXXX and XXXX is my best estimate ) overdraft and NSF fees of XXXX dollars each by Wells Fargo bank. I never received any communication from them regarding the settlement, or any form of reparation regarding these fees. I tried at the time to recover these funds but only received a small number of refunds at the time of these charges. I was told, at the time, that they could not refund most of these due to company policy. This contributed to a financial crisis from which I am still trying to overcome. Their customer service members were, and continue to be, inconsiderate, unprofessional, unsympathetic, and condescending. I have been fearful of calling about the settlement due to an existing estate account that I have as the representative of my mother 's estate. I am confident that their institution owes me a considerable amount after becoming aware of their harmful tactics aimed at profit instead of the well being of their customers. I was told numerous times that they could do nothing to help me regarding this.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Vehicle loan or lease

Loan Payments : XX/XX/2023, {$1000.00} Principal Only not applied as requested, the interest of {$130.00} shows as reversed. Yet they seem to apply more daily compound interest for the next several days. 

XX/XX/2023, {$10000.00} Principal Only not applied as requested, the interest of {$17.00} was captured when requested to be reversed it has not been applied to date and again daily compounded interest is being captured by the bank. 

I have spoken to the Bank on several occasions and they have not corrected the interest charged for these payments every attempt I have made has not worked so I informed them I would be filing a complaint and seeking a reward of the interest and possibly more based on their negligence.
Product: Debt collection

I NEVER received any documentation from XXXX/Bridgecrest stating that the car was facing repossession. I made a payment on XX/XX/2017. When I woke up the morning of XX/XX/2017 the vehicle was gone. I have NOT received ANY documentation from XXXX/Bridgecrest about their plans to sell the car. I have NOT received ANY information that they have disposed of the vehicle. The ONLY communication/documents I received from XXXX/Bridgecrest was a redemption and reinstatement form back in XX/XX/2017 dated XX/XX/2017. And it stated to redeem the vehicle to pay {$14000.00} and to reinstate pay {$2300.00}. They have placed this debt on my credit reports for XXXX without following the proper federal guidelines.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unauthorized reporting of transaction and late payment history on my credit report by XXXX, XXXX, and Equifax. This action appears to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 1681b.

According to 15 U.S. Code 1681a, a " consumer reporting agency '' is defined as any person that regularly engages in the practice of assembling or evaluating consumer credit information for the purpose of furnishing consumer reports to third parties. Additionally, a " consumer report '' is defined as any communication bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

However, 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, reporting transaction history on my credit report is considered illegal under this exclusion. Furthermore, the reporting of late payment history without proper verification and authorization is also in violation of the FCRA. 

As a consumer, I have not provided authorization for the inclusion of transaction and late payment history on my credit report, nor have I consented to such reporting. Therefore, the actions taken by XXXX, XXXX, and Equifax are in direct violation of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the unauthorized reporting of transaction and late payment history by XXXX, XXXX, and Equifax. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized reporting. 

Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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 Also states that a consumer reporting agency can not furnish account without my written instructions.

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

This company has false misleading advertising does not hold up to its policies.

When calling this company not only were the employees rude I was yelled at and hung up on.
Product: Debt collection

Per the FCRA, as a federally protected consumer. SELF FINANCIAL INC / LEA is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

Their inaccurate reporting has damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS The IRS Clearly defines a charge-off as considered a certificate of indebtedness as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! By Definition The IRS and CFR Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says SELF FINANCIAL INC / LEA is a furnisher of information to a consumer reporting agency. 

XXXX XXXX XXXX XXXXXXXX XXXX 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. 

In conclusion, I have shown them and I have put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/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: Checking or savings account

On numerous occasions, know Wells Fargo is regulation E in defiance of settlements of the government which is causing economic harm because my card was cloned on multiple times they refused to give me back my money stonewall every time I filed a complaint with you guys send any more time to look into it, and I have charges are still trying to come on my account from the XXXX XXXX of XXXX, Texas and Ill kinds other places and I live here in the XXXX XXXX XXXX area. The bank is well aware of that, but they keep refusing to give me my money back and then cause severe economic harm to where I had to even sell my XXXX XXXX XXXX phone and XXXX and I owe XXXX XXXX XXXX  money because Wells Fargo denied the charge on my account even though I transfer the money from my savings to my checking to cover it by prioritizing deposit, debits and make it look like that I had the money to pay for it when in fact, you know the timing I didnt because they prioritized debits in the financial regulation E and so far they keep stonewalling, and I want my money back home and take them to court within one week at the end of next week. If this is not resolved, Im taking him to court not only do I want every penny of the fraud back, I want the loss of my XXXX and XXXX back in my account and the six {$35.00} nonsufficient fund fees that I got ate by XXXX XXXX XXXX XXXX XXXX XXXX charge me not Wells Fargo making that clear theyve lied to this agency over and over again, and Ive had enough.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/year>
Product: Checking or savings account

I am writing to express my deep frustration and dissatisfaction with the handling of my Chase bank account closure and the subsequent withholding of my funds. 

On XX/XX/XXXX, without any explanation or provided reason, Chase Bank abruptly closed my account, which contained a balance of over {$3400.00}. When I inquired about this action, I was informed that my account was under investigation. Despite my offers to provide any necessary documentation or evidence, the bank refused to clarify the nature of the investigation or provide specific reasons for the closure. 

I was told that the investigation would take ten business days, after which a check would be sent to my address. However, despite multiple follow-up calls during the investigation period, I was only given vague assurances and no concrete information. On XX/XX/XXXX, I discovered that my account had been completely deleted. When I visited a Chase branch in person, I was told that I might have to wait until XX/XX/XXXX for the check to be sent. 

By XX/XX/XXXX, I still had not received the check. Upon contacting Chase again, I was informed that the investigation was still ongoing and there was no definite timeframe for its completion or for the check to be sent. This ongoing uncertainty and lack of communication from Chase have been extremely stressful and inconvenient. 

I find this conduct by Chase Bank to be highly unprofessional and disrespectful to a customer. It has been over a month, and I have yet to receive my funds or a satisfactory explanation. I urgently need these funds to pay my rent and other essential expenses. 

I demand that Chase Bank immediately resolve this issue and sends the check for the full amount owed to me without further delay. I appreciate your assistance in ensuring that this matter is addressed promptly and that I receive the money that rightfully belongs to me. Thank you for your help. 

XXXX XXXX XXXX card number XXXX XXXX XXXX XXXX address XXXX XXXX XXXX IL
Product: Student loan

XXXX XXXX/Navient never fully disclosed how the loans worked. I have been paying for years, consolidated and forbearance and still owe ridiculous amounts. I called passed fee months to consolidate loan. They said roughly 20 years 240 months. Asked to have application mailed to me has no loan terms on it. Just my information . Sent information to them keep.calling for status and all they say is it is being processed and letter was sentXX/XX/XXXX. I do not even k ow details of loans nor agree to it yet and they are telling me getting approved. I feel it has never fully been disclosed and is why I am still paying on them.
Product: Credit reporting or other personal consumer reports

Hello, I had my student debt forgiven back in XXXX and it still shows up on my credit report as calulated debt. I was told by XXXX that it should be removed in 90 days that time has come and past. Can you please help me to have my credit report updated and the removal of my forgiven loans.
Product: Debt collection

Sent letter on XX/XX/2018 received response on XX/XX/2018. No validation waa obtained
Product: Debt collection

There is a company that shows up on my credit report nine times. XXXXXXXX XXXX XXXXXXXX alleges that I owe paysafe {$150000.00}. I have received 35 letters stuffed in my mailbox from XXXXXXXX XXXX XXXX, a law firm claiming to handle accounts for Paysafe. I have never had an account with paysafe. I also don't understand why I would be receiving letters from XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX but have another law firm show up on my credit report. I called paysafe and they stated that they do not have an account for me. This has affected my credit report tremendously in a very negative way. I really need help with this.
Product: Credit reporting or other personal consumer reports

I have found incomplete and inaccurate reporting on these accounts that I have listed in the letter. I am writing to dispute the following information that your company supplied to Equifax.
Product: Checking or savings account

On XX/XX/XXXX an electronic deposit was made for an insurance check totaling {$1500.00} that was made out to XXXX XXXX, XXXX XXXX, and XXXX XXXX as an reimbursement for repairs that I, XXXX XXXX, have paid for. The check was endorsed by all three parties and I deposited it into my account. Chase placed a hold on it and in 15 different phone calls refused to release the funds. I was threatened verbally that I would be arrested for fraud and that the check was fraudulent. This check was not only verified, but the funds were withdrawn from the originating bank and are being held by chase. My account has now been restricted and will be closed as a result of the defamation that this company has engaged and their false accusations. They refuse to release this money to me despite all parties endorsing this check. XXXX XXXX was verified through his own accounts. XXXX XXXX acting as an XXXX and private mortgage holder was not verified despite the bank having proof of checks written to him for the mortgage payments showing him as the mortgage holder. This bank is abusing their power, they have bullied and intimidated me, made false accusations against me, and have not practiced good faith with the money that they have taken from the originating bank. 

Below in the documents is proof that Chase has cashed this check. Below is proof that this is an insurance check as written on the check. Below is proof that XXXX XXXX XXXX is a mortgage holder in an email he sent at the beginning of our contract.
Product: Credit reporting

Information on my credit report was not mine. This information was disputed with all XXXX credit bureaus. Contacted National Recover Agency that owns the debt from The XXXX XXXX on XXXX/XXXX/2015. Explained someone with the same name has information on my credit record.The first representative was rude and hung up on me. Called back and they stated to fax a nature of dispute to them and I did. I could tell from their attitudes this was going to only be resolved by me doing the work. 
I immediately called original debtor the XXXX. We discussed my information and realized it was not mine. They stated they deleted account and would email National recovery agency. 

The following day my credit monitoring from transunion stated National recovery verified the debt to remain on report. I called back to find out they recieved the information at XXXX that this was not my account. They still went ahead and verified debt. The attitude was they will remove it when they get to it. The information was verified not mine, with confirmation email. They still have not removed it as of today.
Product: Money transfer, virtual currency, or money service

I already submitted my claim to CFPB regarding this claim, however Wells Fargo refuses the do the proper investigation to my claim, instead Well Fargo easy way out was to changed the facts and the information given. 
Wells Fargo Bank has been giving me the runaround for the last five months. Well Fargo must need to send the information given to the correct department to do the fraud investigation for the check XXXX XXXX forged the signature to cash the check and also the illegal steps he took to get a hold of this check and the money, Wells Fargo Bank should not be allowed to let this criminal XXXX XXXX to legally scam consumers. 

XXXX XXXX foraged the signature to endorsed the cashier check, cashed at Wells Fargo Bank. XXXX has returned the check and has served a subpoena against Wells Fargo Bank for relevant documents. Despite the check being made payable to a corporation, the check is endorsed as an individual and not on behalf of the named corporate entity, by someone with authority as is required under California law. Moreover, given that Ms. XXXX is named as every officer and sole director, she would be the only individual capable of authorizing any endorsement of the cashiers check. Consequently, without any authorization from Ms. XXXX, this is a fraudulent endorsement perpetrated by XXXX, notwithstanding the check wasnt endorsed as required by California law on behalf of the corporate entity. 
The information provided is squarely relevant to this analysis and shows beyond the fraudulent endorsed check, the larger scheme to defraud Ms. XXXX who is likewise trying to defraud XXXXXXXX XXXX. 
** SEE ATTACHMENTS
Product: Debt collection

Received a letter from a collection company XX/XX/XXXX regarding a XXXX XXXX bill that I did not have. I filed a report with Identity theft recovery government site, and contacted collection agency. Collection agency did not at any time verify the debt, nor send me proof that the debt was mine at all. In fact they only told me to contact XXXX XXXX. The debt collection company did not do anything. I contacted XXXX XXXX and they did an investigation and concluded that this was identity theft and sent me an email stating that the debt was not mine. I promptly sent this to the collection agency, but they continue to harass me regarding this debt. 
Their latest letter is dated XX/XX/XXXX, and states to contact XXXX XXXX again. They have not complied with the FCRA, nor my repeated requests. 

Please have them correct this action and punish them for not following the fair credit reporting act. 

Collection company AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX ( Original Creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that I have an account with diversified consultants in regards to an account with XXXX XXXX XXXX, the problem is that I still have an open account with currently with them but they are still reporting inaccurately. I have paid off this balance because I didn't want it to continue to have this inacurrate account on my credit report. The amount that is reporting is {$320.00}