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

Ford motor credit is showing a 30-day late payment for the month of XXXX. That information is incorrect. I was on a COVID relief program and began making my payments as soon as that program ended. This information is false. My account is current with NO late payments.
Product: Debt collection

CBCINNOVIS reported my XXXX year old Father 's unlisted # as mine. This # is never given out for any reason except to close family members. XXXX. I was forced to remove the # and get him a new XXXX! Now we have no way to advise the new # to family members that we ca n't reach. They also have my Daughter 's address listed as mine. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX SD.XXXX. They have been told XXXX in last 8 months to remove the information and have refused. These have never been and are not mine! They are giving this info to hospitals. I have XXXX and have bills that I am not able to pay.
Product: Credit reporting

XXXX XXXX ( Credit Agency ) for XXXX XXXX XXXX ( Original Creditor ) removed a debt for {$2200.00} from my credit report on XXXX XXXX, XXXX by XXXX it was back on my reports I hired XXXX to assist in fixing my credit and getting things removed from my credit report on XXXX XXXX, XXXX in agreements with XXXX they removed the debt from my credit report and at some point from then and now it is back on all XXXX of the major credit reporting agencies ( at {$2400.00} & {$2400.00} ) and I was never notified by XXXX, XXXX nor XXXX why or that it had been put back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied and were approved for COVID forbearance. XXXX XXXX has acknowledged this. XXXX has since reported those payments as late. You will see that the payments listed as late occurred during the peak of COVID and before and afterward our payment history has been perfect. XXXX continues to refuse to reported updated credit information to the credit bureaus and as a result continues to damage our credit numbers. This complaint applies not only to my credit report but to my wife 's. XXXX XXXX failure to address this after two years, is unacceptable. I have called and written several times. My wife has submitted online complaints/disputes both at the creditor and the credit bureau . To date, these payments are still reported as late. 

We ask that the government require the creditor to remove any mention of late payments as well as any other derogatory reporting. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2015
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information appearing on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). I have identified the following accounts that are reporting inaccurately : XXXX  - Credit Card Account Number : XXXX XXXX XXXX  - Credit Card Account Number : XXXX ( Delinquent Status ) XXXX  - Line of Credit Account Number : XXXX ( Collection Status ) The information reported by XXXX regarding these accounts is incomplete and inaccurate. Under the FCRA, I have the right to accurate reporting of my credit information, and any information that can not be verified must be corrected or removed from my credit report. Specifically : Violation of the Fair Credit Reporting Act ( FCRA ) : According to Section 609 and Section 611 of the FCRA ( 15 U.S. Code 1681i ), if information in a credit report is found to be inaccurate or incomplete, the credit reporting agency is obligated to delete or correct the disputed information promptly. The burden of proof lies with the credit reporting agency to ensure the accuracy of any item placed on a consumer 's report.

FCRA Section 623 ( a ) ( 1 ) ( B ) - Information Provided to Credit Reporting Agencies : This section holds that furnishers of information to credit reporting agencies must not provide inaccurate information and must promptly correct and update any previously provided inaccurate information. As the data on these accounts is inaccurate, it must be removed or corrected immediately. 
Case Precedents Where XXXX Was Sued : XXXX has previously been involved in several cases where failure to correct inaccurate reporting has resulted in legal action. Notably, in XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court ruled against XXXX for failing to ensure accurate information was reported on credit reports, highlighting the consumer 's right to sue for damages under the FCRA. My case similarly involves the failure to ensure accurate and complete reporting of accounts on my credit report. 
Removal of Fraudulent Accounts : Under the FCRA, Section 605B ( 15 U.S. Code 1681c-2 ), fraudulent information that can not be verified must be removed from the consumers file within 30 days of a dispute. I demand that the inaccurate and incomplete information regarding these accounts be corrected or removed immediately. 
I request that XXXX investigate these matters, verify the accuracy of the accounts, and take the necessary actions to correct or remove the disputed items. If XXXX is unable to verify the accuracy of these accounts, I expect them to be removed immediately, as required by law. 
Please be advised that I am CC'ing this letter to both the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office. I expect this matter to be resolved promptly, and I look forward to your response within 30 days as required under FCRA guidelines
Product: Mortgage

I requested a reinstatement quote on XX/XX/XXXX and tried to go through the lawyers as well as inform the business that I applied for XXXX  on XX/XX/2022 and they will not answer my calls or provide me with the quote.
Product: Bank account or service

Upon reviewing my Bank of America checking account I noticed that I was overdraw in the amount of {$280.00}. I called customer service to inquire as to why my account was overdrawn and they stated because I had XXXX items that were presented for payment and they paid them for me as a courtesy because they are recurring payments to my account. I have called about this in the past because it caused my account to be overdrawn that time also. The challenge I am facing with Bank of America is that I did not sign-up nor do I have an account linked to my checking account for overdraft protection. I have made request that no courtesy payments be made and if the funds are not available that the items be returned. I further explained that I declined setting up overdraft protection because it is not something that works for me. Upon further speaking with the customer service representative I was informed that even though I did not request that the items be paid but that Bank of America made the decision to pay the items, I was still responsible for any fees assessed to the account for payments. Additionally, as of today, XXXX/XXXX/15, Bank of America assessed my account a fee of {$35.00} because my account has been overdrawn an extensive amount of time, even though I did not request the items be paid, it was a judgement call by them. They are maliciously charging fees and initiating activity on my account that is not authorized by me. My thought this is another way for Bank of America to make money off of their customer.
Product: Credit reporting 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 an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting

Equifax continues to reinsert previously deleted and false information and I am asking CFPB to make them stop doing this. They have ruined job opportunities and credit opportunities and cost me an increased mortgage interest rate because of this. Currently, they are reporting, in violation of their own policy and federal law a Chapter XXXX bankruptcy that was filed seven years ago in XXXX 2008. 
Additionally they are falsely reporting that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXFinally, they are reporting as XXXX separate inquiries a single authorized inquiry XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX XXXX account XXXX was deleted as unverified, it was reincerted back. 
According to :15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I have never received any notes from any of CRA.

Futhermore, Following FCRA procedures was never executed and therefore not only CRAs do respect FCRA but at the same time violating Metro-2 and E-Oscar compliance procedures.
Product: Money transfer, virtual currency, or money service

I had a significant amount of USD stored in Gemini XXXX. They offered to convert my USD to XXXX for lower fees, which I accepted because they advertised very clearly that it was transferrable for USD " at any time. '' As a result, I had a large amount of my savings stored in XXXX earning interest. 

On XX/XX/2022, I requested a withdrawal of the entire balance in USD from Gemini. Over two months later, that request remains unfulfilled. Gemini blatantly failed to honor my withdrawal request and didn't provide any substantial information as to why or how to get my funds back. I have effectively been robbed of a large amount of my life savings by Gemini. 

Gemini still refuses to honor a return of the USD I held in my account with them, and now refuses to repy to any customer service requests. It is blatant theft. It is a lot of money. From the mainstream news, it seems directly due to their poor business practices and impending insolvency. It also seems that I am part of a large class of Gemini customers who still have their funds locked up with Gemini. Please help hold Gemini accountable! 

PLEASE PLEASE PLEASE HELP ENSURE THE RETURN OF ALL GEMINI CUSTOMER FUNDS IN A REASONABLE AMOUNT OF TIME! PLEASE DO YOUR BEST! THIS IS A HUGE TRAGEDY OF TRUST WITH A LOT OF PEOPLE AND FAMILIES AFFECTED!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently pulled my reports after you verified the account XXXX XXXX XXXX XXXX XXXX as accurate and noticed you are still reporting inaccurate information. The " date of last payment '' is reporting as XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian, and XX/XX/XXXX for XXXX. This date would change the statue of limitations for this account which would mean the account would come off at different times. Since information is not accurate, this means the account has not been properly verified. Please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my report from XXXX XXXX XXXX which was close closed over a year ago yet XXXX XXXX is still reporting it as active. It needs to be removed. There is also information on my report for XXXX XXXX  the house was sold and the account is closed. I respectfully refuse to furnish a social security card as requested or any information that could be used in a fraudulent manner as it has been well documented that these information carries have had issues with data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I filed a formal notice that XXXX  XXXX XXXX claim is disputed date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

2. I filed a formal notice that XXXX XXXX  claim is disputed, claim the date opened is incorrect, the high credit is inaccurate, late payments XXXX  XXXX inaccurate, account number inaccurate, no. of months ( terms ) inaccurate, account type. 

3. I filed a formal notice that XXXX claim is disputed, claim the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX and XX/XX/XXXX inaccurate, account number inaccurate, balance inaccurate. 

4. I filed a formal notice that XXXX XXXX XXXX  XXXX XXXX  claim is disputed claim the account type is incorrect, the high credit is inaccurate, late payments XXXX and XX/XX/XXXX inaccurate, account number inaccurate. 

5. I filed a formal notice that XXXX XXXX claim is disputed the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

The credit companies Equifax, XXXX, XXXX  are not compiling with their own policy in a timely manner. My letters were unaddressed within 30 days of their policy.
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. 
Agency : XXXX, XXXX and TransUnion Account Name : XXXX XXXX Account number : XXXX XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights. 
* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 an unauthorized withdrawal of {$260.00} was made from my account with Wisely pay.I had my card in my possession at the time.I called and reported this and my card was canceled and a new one issued.I was transferred to the disputes department who advised me that I would receive a statement of fraud form in the mail, to fill out and return.I received it on XX/XX/2023. I filled it out and emailed to the address I was given.On that same day, I received another email stating that they did their investigation and there was no error so I will not be getting back my money. On XX/XX/2023 I wrote and mailed a letter asking for all the evidence and documentation that was used to determine the outcome of my case. I haven't received any further correspondence, therefore this complaint.This is very inconvenient and frustrating to me. My physical card was never used because it was with me. I was never at that location on that day. The company info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am still in possession of the card that was canceled. So if there is a way to verify that my physical card was not used, that would be helpful. 
I eagerly anticipate a reply. 

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

MADE A COMPLAINT AGAINST SUNRISE CREDIT SERVICES AND XXXX XXXX ON XX/XX/2023 BEING ASKED FOR MORE INFORMATION AND WHICH COMPANY ARE I COMPLAINTING ABOUT SUNRISE CREDIT SERVICES IS WHO IS STATING THE INCORRECT INFORMATION TO ALL THREE CREDIT REPORTING SERVICES THE COMPLAINT ON XX/XX/2023 NUMBER IS XXXX SUNRISE CREDIT SERVICES HAS NEVER TRIED TO CONTACT ME ABOUT ANY OF THIS NOT BY PHONE, EMAIL, OR MAIL AT MY ADDRESS THEY ALSO HAVE TWO DIFFERENT ADDRESSES AND NOT PROVIDED A PHONE # OR EMAIL SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX NY XXXX SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX NY XXXX XXXX CREDIT SERVICES NEEDS TO REMOVE FROM ALL THREE CREDIT REPORTING SERVICES
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I received an email from the XXXX XXXX stating my account had been locked due to multiple failed attempts to access the account. I call as directed and confirmed it was not me trying to access my account. I have not made any charges on the account in over a year. It was confirmed that no charges had been made on the account. I was unable to locate my credit card at the time so the account was closed and another opened. I recently received a credit alert. So, I checked my credit report to find TransUnion and XXXX  had dropped my credit score tremendously. Upon reviewing it I realized there were two incorrect reports. Both stated I had an increased balance on the military star card. Yet, both had a previous change of account reported by the XXXX XXXX. I contacted the XXXX XXXX. I was told they only reported a change of account. I then disputed the increased balance with TransUnion on XX/XX/XXXX stating there was an account change and the previous balance was transferred to the new account. I receive a response on XX/XX/XXXX stating the investigation was complete and the information was accurate and would remain on my credit report. There was no new charges my balance did not increase had they contacted the XXXX it would have been confirmed. I was not able to submit a dispute with XXXX.
Product: Vehicle loan or lease

On or about the third month of XXXX, I realized that my vehicle payment wasnt being drafted out of my account as it has always been since the beginning of the loan term in XXXX. 

After contacting the company, it was brought to my attention that someone within the company had tampered with my ACH payment stating that a payment was missed around the last fiscal quarter of XXXX without my acknowledgment ; which would make that around XXXX to XXXX of XXXX. 

I never received a written notice or anything regarding to the stated missed payment, which is between the timeframe noted above til XXXX of XXXX. Once I made contact with the creditor/ Loan / Lease company iXXXX XXXX of XXXX, it was brought to my attention that they had turned off my ACH payment causing my account to accrue back payments and late payment fees and having to pay for 2 months of loan payments in order to put my account in good standings. 


Although they previously initiated ACH payments from XX/XX/XXXX to XXXX of XXXX without any issues at all. Nevertheless, still initiating ACH payments past the stated missed payment date that was described as a system glitch. This company has been negatively impacting any type of resolve to this issues since finding out myself without any notice of any sort. 

The customer service representatives also threatened and spoke to me in a demeaning manner as if it was my fault and I had no recollection of the events leading up to. They only told me that I couldnt afford the motorcycle and that they would send someone out to take the vehicle in a very egregious manner. Although the balance was paid with my same bank account, but with a debit card. They still refused to reverse their actions and place the ACH payments coming from my Bank account back onto my Lease/ Loan payment. The creditor also blocked my access to my account prior to adding the late fees and canceling my ACH payment Arrangement, which didnt allow me as a paying consumer to a loan/ lease financial institution to view or make payments to my loan/ lease account. 

I am still looking to rectify and find a solution to this issue that has been ongoing for over a year and I am stressed from continuously telling every customer service agent this same story without any progress. Also this keeps on negatively impacting my life and credit score causing more stress than needed.