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

On XX/XX/2021, I filed a dispute with Experian Credit for the following accounts : XXXX XXXX * Grossly inaccurate reporting ( Reporting Account as Delinquent when Payments Were Made Timely ) * Per CFPB was to be removed from my credit file on XXXX XXXX XXXX XXXX * Third party collection agency that did not supply original debtor 's information * Claimed delinquent account shows on my Credit Report from Original Debtor ( Reporting an Old Debt As New ) In accordance to the Fair Credit Reporting Act, the ( 2 ) Above sourced accounts should have been removed from my credit report and subsequently my credit score should have been restored with positive points. Not only did Experian not do this, they adversely removed points.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I discovered a fraudulent tradeline from a collection agency ( XXXX XXXX ) originating from " XXXX XXXX '' on my TransUnion credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure. 

I also noticed that the TransUnion credit report XXXX XXXX was illegally permitted to access my credit report for an allegedly " permissible use '' of debt collection. This is especially specious given the clearly fraudulent name that appears to be the source of this alleged debt.
Product: Money transfer, virtual currency, or money service

I was a victim of a fake Cashiers Check scam. My bank ( Fifth Third ) failed to identify a fraudulent cashiers check I was given by a potential car buyer from craigslist. I cashed the check and recevied {$2400.00}. I started sending money back to the buyer when the sale fell through and sent {$700.00} to his " moving company '' ( XXXX to XXXX transfer XXXX to XXXX XXXX XXXX in XXXX georgia ) and I sent {$900.00} via XXXX to his XXXX XXXX  XXXX account assocaited with his email ( XXXX, routing # XXXX, account # XXXX ). Yesterday the check was flagged as a fruad and {$2400.00} was taken out of my Fifth Third account, leaving me out XXXX to this scammer. I talked to representatives of both Fifth Third ( my bank ) and XXXX  XXXX XXXX ( the scammers bank ) but I have been unable to get any money back from being defrauded and neither has been able to help me report this crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I need your help, as I tried to do this on my own by contacting the companies that have my name and account number, which I have never applied for.

I am an identity theft victim and have tried to file an FTC report as well regarding this matter.I even filed a police report.

I have no idea whoever applied to any service under my name. I never shared my information with anybody either.

Is it possible to grab the contract that they claimed I applied for? Because I never did that. 
Your help will be highly appreciated. 

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

I have filed multiple disputes with the Bureaus and with XXXX XXXX directly with no response. I have a few collections reporting on my credit file that i was not notified about. I paid them as soon as i realized the accounts were being reported. I need these account removed from my credit file. They were reported violating my 30 day right to dispute and i no longer owe the debt. I haven't owed the debt for a while no and would like the accounts removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has improperly placed an invalid collection on my credit report, without even providing me proper notice of the debt or an opportunity to see its validity prior to credit reporting. They are attempting to extort money from me for a debt I KNOW TO BE INVALID by holding my credit report hostage. I have demanded proper debt validation from this company and requested the credit reporting cease until proper validation has taken place.
Product: Debt collection

I sent a Letter dated XX/XX/2019 saying that I do not believe that I owe what you say I owe an I sent them a certified letter saying this and I got no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed
Product: Money transfer, virtual currency, or money service

I have been unbale to get money back when i sent transfers via zelle several times now
Product: Credit reporting, credit repair services, 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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$700.00}
Product: Vehicle loan or lease

Honda Financial has repossessed my vehicle with no advance warning because there were at least XXXX late payments past due, they acting as total predators I have offered to pay the back payments in order to cure the default, it was the first time late and being repossessed, Honda Financial should have given me an opportunity to catch up with the late payment but instead they are demanding the full buyout amount for {$35000.00} and not considering any reinstatement in good faith, apparently they can make more money repossessing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this account that does not belong to me and i want it to be remove from my credit report. 


1. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Accounts : XXXX XXXX XXXXXXXX, amount : {$160.00}, Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, amount : {$970.00}, Date : XX/XX/ In accordance with the Fair Credit Reporting Act, ( 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 permission.

Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

Bank of America doesn't allow me to transfer funds in USD from my account to my own USD account in XXXX XXXX  XXXX ( XXXX  XXXX ). The following error appears : " We were unable to process your request. We're required by law to inform you of the exact fees you will incur for international wires, including fees from other banks. For this request, we do not have the exact fees from other banks and therefore are not able to process it. If your request was in US dollars, you may try again in foreign currency -- this may help us determine the exact fees incurred for this transaction and enable us to send the wire request successfully. If you have received this message for both US dollars and foreign currency, it means we can not process this request. We are sorry for any inconvenience. '' According to my conversation with a bank representative, changes in XXXX now require them to disclose EXACT amount of fee being collected by the target bank and all intermediaries, and if they are not able to do that ( for example, if intermediary gives a fee in %, not an exact fee ), they are not processing transaction at all. As a result, I can not transfer my own funds to my own accounts, and bank refuses me any options to do that. Hereby, bank is not " protecting '' me as a consumer, it's just using the law not to let me to transfer my funds. 

It has to be mentioned, that the bank still allows transfer in the local currency ( XXXX XXXX  ) with it's own conversion rate which is pretty bad ( an official rate +4 % ), somehow no issues with calculating fee there! All and all, I believe Bank of America here is misrepresenting the law and using it to deny a service to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE delete DEPT OF ED/XXXX, XXXX/DEPT OF EDUCATION,
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and XXXX. XXXX bank lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company XXXX does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me
Product: Checking or savings account

A credit card in my name was opened at Payactvi  : XXXXXXXX XXXX XXXX XXXX It was used to to steal about {$3000.00} from my XXXX account. My bank will not cover the funds .They say the can not prove it was not me. It took place XX/XX/2023. I called and informed them that it did not order a card.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX sold and DELETED my mortgage account I had with them, account # XXXX without my permission to another lender, XXXX XXXX. On my credit report it does not show a mortgage on all 3 Bureaus, Equifax, XXXX or XXXX. I am currently paying my mortgage and have never missed with XXXXXXXX XXXX or the new Lender XXXXXXXX XXXX This is a blatant violation of my rights & caused damage to my credit profile. FCRA ( 15.U.S.C 1681s-29a ) ) explicitly requires furnisher of information to accurately report data to the credit bureaus. XXXXXXXX XXXX XXXX arbitrary deletion of positive information constitutes reckless disregard for accuracy & is the cause for potentional unfair credit denials. By removing accurate & positive information specifically, my long-standing record of timely mortgage payments-XXXX XXXX has engaged in unfair practices that violates both the letter & the spirit of the law. Removing accurate positive history from my credit report without valid reason is not only inaccurate reporting but also a direct infringement of my consumers rights under 15u.S.C.1681 ( a ). FCRA Section 611 ( a ) ( 1 ) ( A ) I strongly request that this matter thoroughly investigated by the CFPB. The credit report agencies with XXXXXXXX XXXX XXXXXXXX reinstate and post my positive credit history & provide verification of the information. 
Restore my positive credit history and post my new Mortgage with XXXXXXXX XXXX
Product: Credit card or prepaid card

I received a letter from Synchrony Bank dated XX/XX/2020 stating that my account was being closed because I had a low credit score. At the time I was aware of my credit score which was a XXXX. They stated it was a XXXX which was grossly inaccurate. When I called the company to get clarity no one provided any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on my account with Lending Club and we re-financed my house and I paid the account in full. They the went and charged off my account the same month I paid it in full. This is legally not allowed you have to be 6 months late before you can legally charge off an account. I am asking for them to update my account and remove the word charged off. Not right at all. In all honesty yes I was late and I did pay it in full as soon as I refinanced my house and even reached out to them to get payoff amounts to do so. They knew exactly what they were doing. Bad business practice. 
Thank you XXXX
Product: Payday loan, title loan, or personal loan

XXXX has once again fraudulently failed to allocate my payment funds per my specific written instructions. 
On XX/XX/XXXX I submitted a payment of {$340.00}. 
I sent a message via the XXXX message system as well as the President 's office email : " I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' My first message and email were not responded to. 
On XX/XX/XXXX I sent a second message : " This is my second request ... I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' I received an email acknowledgement from XXXX that they would process my request. 
On XX/XX/XXXX I reviewed my account and XXXX did NOT apply the {$340.00} against " promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' On XX/XX/XXXX I sent the message : " Apparently I must make another complaint too the CFPB as you did NOT apply my {$340.00} payment to the XXXX XXXX loan of {$340.00}. The US Federal government will be interested as they regulate banks. ''XX/XX/XXXX XXXX messages : " Hello XXXX, Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. Please refer to the Promotional Summary section of your next billing statement to see the adjustment. We appreciate you as a valued customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us at XXXX. We appreciate you as a valued XXXX XXXX account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX XXXXCustomer Service Account is owned by XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to EXPERIAN. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Subject : Improper Reinsertion of Account by XXXX Global Lending Services Details of Complaint : I am filing this complaint regarding an account with Global Lending Services ( Account Number : XXXX ) that was previously removed from my XXXX credit report. However, the account was later reinserted without proper notification, as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : XXXX failed to provide written notice within XXXX business days after reinserting the account into my credit report. 

The reinsertion of the account has negatively impacted my credit score, causing financial distress. 


Attempts to dispute the account online were unsuccessful, as the dispute option is now marked as " Not Available '' in XXXX 's system. This leaves me unable to address this issue directly with XXXX. 

Requested Resolution : 1. Provide documentation verifying the reinsertion process.

2. Remove the account if reinsertion procedures under the FCRA were not followed.

I am attaching screenshots of my credit report showing the reappearance of the account and the absence of the dispute option.
Product: Debt collection

A person named XXXX left a message on my mobile phone number which is on the Do Not Call Registry and also at my work voicemail. The voicemail said there was a file in their office for court proceedings and to contact XXXX. Before I had a chance to contact them, they called my work number again asking for my name and the payroll department which the call was transferred to me. I took the call and they only identified their name but not the company and started threatening me in regards to a debt with XXXX. I was surprised and asked the name of the company, but the individual would not let me speak and said there was a judgement and case file on their desk and they would garnish my wages. 

When I informed them of the FDCPA rules about not contacting me at work, to please cease calling my work number and mobile number and to send a written notice of validity of the debt, the person continued yelling stating I was being unreasonable and to expect a written court notice to garnish my wages and then they hung up on me. I called XXXX and found out the previous debt was sold to XXXX XXXX XXXX or XXXX XXXX and given the contact number of XXXX XXXX XXXX XXXX to call. I did call that number twice and kept getting voicemail. I finally left a message stating again to not contact me at my work number or mobile phone and to send written validity of proof for any debt owed. This company has called at least XXXX times in one day within a span of XXXX hour time frame and used threatening means.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.