23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Wednesday, XX/XX/year>, I submitted an online ACH Payroll Payment in the amount of {$1100.00} to the wrong account. The employee who earned this income did not receive their funds, instead it went to a different account. I was notified of the issue by the employee on Sunday, XX/XX/year>. I called Chase Business Banking on XX/XX/year> and was advised that they could reverse the XXXX payment on Monday. I called Chase Business Banking on Monday, XX/XX/year> and was given the run around between 3 different agents. An Agent from the Business online technical support team told me my payment would be reversed within 2-3 business days and provided the confirmation number XXXX. I went into the Chase Bank Branch location in XXXX XXXX and spoke with an banking associate and the assistant manager to further ensure that the ACH payment would be reversed so that the correct employee can be paid to the correct account. I was told that if the wrong account holder withdrew the funds from their account already, that Chase could not process the reversal. They advised me to wait and see. I just received a notice from Chase Bank saying If the reversal is successful, we'll return the money to your account within XXXX business days. 

Unfortunately, the employee who should have these funds does not, and they need their money. The bank should be able to reverse an ERRONEOUS transaction no matter what and sooner.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I identified inaccuracies regarding late payments reported on two accounts for which I have consistently maintained timely payments. As Consumer Reporting Agencies are entrusted with ensuring the accuracy of consumer information, it is essential that all reported data reflects the utmost precision. 

The accounts in question are as follows : XXXX XXXX  : Account Number ending in XXXX XXXX XXXX XXXX  XXXX Account Number ending in XXXX I have never missed a payment on these accounts and request a thorough investigation into these discrepancies. To support your findings, I ask that you provide evidence, such as account statements, verifying the reported lateness of these payments. 

If you are unable to furnish such proof, I respectfully demand that the records for these payments be promptly corrected to reflect their accurate status as on-time. I have consistently fulfilled my payment obligations without delay, and it is critical that my credit report reflects this commitment. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 

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

I checked my credit report ( # XXXX ) and saw incorrect addresses i never lived at. I tried disputing the address but a message stated I can not process a dispute online. The addresses that do not belong to me are because I Never lived there are : 1 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX XXXX, FL XXXX. This Address was reported to XXXX  by XXXX XXXX and this account is currently under dispute for incorrect information and 2 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX, FL XXXX. 

There are also incorrect versions of my name that need to be deleted : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have attached my ID to verify the spelling of my first, middle and last name. My current address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX but I have not gotten my Drivers License updated as of yet.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX
Product: Debt collection

A company called Amerassist has called my Mother in Law, my Father in law and a very distant cousin of mine, who I do not even have the contact information for myself, and has shared with them that they are attempting to collect a debt from me asking for information. They have called them on private home numbers and cell phone numbers, even after they ask to stop being contacted. I am unaware of any debt owed, and they are harassing people that I do not even speak with about alleged financial issues.
Product: Money transfer, virtual currency, or money service

I transferred {$5200.00} dollars back in XX/XX/XXXX to my XXXX XXXX  account with TIAA. At that time, the company could not verify my identity and told me that the money would be placed on hold until I did so. I verified my identity shortly after, and was told that my money would be placed in my XXXX XXXX. I checked my accounts frequently after that exchange but did not see the money in my account, nor did the money go back to my bank account where I transferred the money from. It was XXXX at this point and I decided to wait since it was the holiday season. 

In XXXX, I called TIAA again asking about the status. The person I was on the line with said that I identified my identity too late ( even though they did not send me any emails about this issue, and I found it when I logged into TIAA myself and saw the message there ), and as such the money was being sent back to me. She said I would receive it by check through US mail in 2 weeks. I waited those 2 weeks and in XXXX called customer service again, and was told that they sent the check out. I once again said I did not receive it, and they told me that they will send another check out, and that I would receive it by XX/XX/XXXX at the latest. 

In XXXX, I had yet to see the check and decided to call customer service again. The person on the line said they saw I deposited the money, but have no idea where it went, and said they will call me back. I waited for 2 weeks again, and called customer service again, asking where my {$5200.00} was and when I can get it back. They are still in the process of finding it today ( XX/XX/XXXX ) as they called me the day before to update me on this. I am filing this report because it has been almost 5 months since I transferred my money over and I nor anyone I have spoken to seem to know where it has went. 

*The address on the bank statement attached has since been updated
Product: Credit card or prepaid card

I called to close the account because I was living in XXXX for 6 months and could not access the payment website due to the XXXX security compatibility issues with many US websites. It took me an hour, but they said that the card was closed. However I then started receiving late fee notices. I was not able to log on because I was still in the XXXX, but when I called and spoke to a representative, they apologized and assured that the fee would be refunded and the account closed. I had to call yet a third time and threaten to file a report if they did not follow through with account closure and the late fee refund. I was again told that the account would be closed and the fee reversed. However now this penalty from long ago appears on my credit report. I called Capitol One about the credit reporting and was told there was nothing that could be done as the account was closed. The account was closed XX/XX/2019. Unfortunately I tore up the credit card and can no longer access past statements for the card number as the account is closed. I am happy to forward my social security number if you need this.
Product: Mortgage

My husband and I are in the middle of hopefully closing on a home through Mortgage Solutions of Colorado , Llc. This process has been the most emotional and XXXX experience of our lives. The company started out on the wrong foot by waiting until two days before closing to look at our file, then sent us through hoops to prove things like a debit card reissuance in XXXX or proof of XXXX in XXXX. The company even went so far as to say we needed adoption papers for my husband 's name change when he was adopted at age XXXX. They claimed our marriage was not filed with the state even though we provided the marriage license to them. Every time they asked for something new, we gave it back to them immediately or the next morning. Those things would have been minor had they all been sent in the beginning. However, we are now XXXX days past our original closing date, and the company refuses to issue us the final closing papers due to a spelling error for which they have an amendment and a copy of the title of the home verifying the correct spelling of the home 's address. Not to mention the fact that when the loan estimates and closing disclosures were issued we specifically asked if the misspelling would cause a delay, but we were assured it would not. The company has deliberately been delaying our closing in the hopes that we will or the seller will back out of the deal. Honestly, I feel like our XXXX names have been the cause, and I plan to bring attention to this type of practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2020, I transferred {$400.00} USD from my XXXX  's Checking account to Gemini. 

When I went to purchase a digital asset with the funds, an additional {$400.00} was withdrawn from my checking account. I emailed technical support to inform them but left open the possibility that I could have inadvertently been to blame. 

On XX/XX/2020 I went to spend the ( unauthorized ) {$400.00} by purchasing more digital assets. Again, they withdrew {$400.00} from my XXXX 's checking account instead. I emailed tech support again and they claimed there was no issue. 

I have now unlinked my checking account to prevent further unauthorized withdrawals. 

Now, long after my last {$400.00} has cleared their waiting period, I have the USD credited and shown on my account balance. However, when I go to purchase a digital asset, I am prompted to provide a bank account. They have illegally taken {$400.00} from me and technical support is not assisting.
Product: Debt collection

IC systems is on my credit report with a balance of {$220.00} which is not valid..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a dispute request to the bureau in regards to account reporting incorrect payment history or no payment history the bureau didnt remove the accounts although nothing was provided to be to confirm the account were verified or even my accounts ... I have enclosed proof from the creditor which confirms no information was verified to the bureau
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email from XXXX XXXX stating a credit card application had been declined. I also received emails from several credit monitoring services stating I had a new hard inquiry on my credit report. 

I have not applied for a new credit card. This is fraud. 

I attempted to open the decision letter from XXXX XXXX, but was given an error message stating my input information ( last XXXX ssn, name, zip code ) did not match what was previously provided -- perhaps the fraudster used an old zip code? 

Immediately, I went to my credit reports for XXXX, Equifax, and XXXX. The hard inquiry is listed on all three reports. 

I called XXXX first to dispute the hard inquiry. The representative was very helpful, and she recommended I file a report with ftc.gov as my next step -- that's what I'm doing here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received an email from XXXX XXXX stating I had a hard inquiry on my credit. I had not applied for anything so I knew it was fraud. Someone used my name, address and drivers license number to apply for a XXXX Bank XXXX XXXX credit card, which I learned this information after I contacted the company and reported the fraud. I also took further actions, one being reporting to Equifax that this was not my application or inquiry. They have already researched and closed the case but have not removed this hard inquiry from my credit report. I am a victim of fraud and want this removed from my credit.
Product: Debt collection

This company has repeated called my phone. When I spoke to them, the gentleman gave information that was false. He mentioned accounts that I do not have and then mentioned I have products that I never have had. I explained to him the information was inaccurate and that he has not provided me anything that I recognize. He then gets loud with me and yells " stop stealing! Stop defrauding people! '' This is a false claim and slanderous. Terrible.
Product: Debt collection

Do not call letter sent, phone call to stop harrassment, report to credit bureau, report to FL attorney general
Product: Credit reporting, credit repair services, or other personal consumer reports

After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX XXXX XXXXXXXX {$0.00}
Product: Student loan

I would like to file a complaint about my loan servicer ACS educational services. I submitted an IBR form online which was not accepted electronically. I submitted hard copies of my XXXX as well as their form. The years have not processed it. I repeatedly spoke to them and resubmitted the former following their instructions and their guidelines. They keep sending me reasons why they can not process my IBR. I have not had this problem with my other loan company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/2023 ATTN : Consumer Financial Protection Bureau Subject : Complaint Against XXXX, XXXX, and TransUnion for Repeated Violation of Consumer Rights and Erroneous Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint against XXXX, XXXX, and TransUnion, the three major credit reporting agencies, regarding the continuous violation of my consumer rights and the persistent erroneous reporting of accounts on my credit reports. These erroneous entries, specifically closed accounts, are significantly impacting my financial stability and overall well-being. 

I have already submitted previous complaints to the Consumer Financial Protection Bureau ( CFPB ) in relation to identity theft, which have unfortunately been ignored. This has left me with no choice but to escalate my concerns and seek legal action to protect my rights as a consumer. 

The specific accounts that are inaccurately reported on my credit report are as follows : 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 It is crucial to note that no method of verification was undertaken by the credit reporting agencies despite my repeated requests for verification and dispute. Despite this, the aforementioned accounts remain on my credit reports, causing significant damage to my financial reputation and hindering my ability to access financial opportunities. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of my credit information. The continuous erroneous reporting and lack of proper verification have resulted in grave emotional stress, and I believe I have suffered direct financial harm due to the actions of these credit reporting agencies. 
In accordance with the FCRA, I am seeking monetary damages for each violation committed by XXXX, XXXX, and TransUnion. 

I request {$1000.00} for each violation of the FCRA, as this is the statutory maximum allowed under the law. I also demand the immediate removal of the aforementioned erroneous accounts from my credit reports to rectify the harm caused. 

I implore the Consumer Financial Protection Bureau to thoroughly investigate this matter and ensure that XXXX, XXXX, and TransUnion adhere to their obligations under the FCRA. It is my sincere hope that the CFPB will intervene in this matter promptly to rectify the serious violations and disregard of my rights as a consumer. 

Please see my previous complaints to the CFPB regarding relevant documentation supporting my claims. 

Please acknowledge receipt of this complaint promptly and provide me with updates on the status of the investigation. You may contact me via the provided email address or phone number. 
Thank you for your attention to this matter, and I look forward to a swift resolution to protect my consumer rights. 

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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$950.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to advise I have been a victim of identity theft for the following account XXXXXXXX XXXX XXXX XXXX XXXX hard inquiry. I did not authorize the use of my name or personal information to obtain credit loans, goods and or any other services pertaining to this report. I am requesting this fraudulent accounts be corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the accuracy of the information reported on my credit report by XXXX XXXX. 

XXXX XXXX reports that I owe an an amount due of : {$170.00}, {$75.00} of which is the original amount and the rest being interest. I have not been sent proof of this, though it has been requested previosuly XXXX XXXX required that I put down a deposit of {$200.00} and when asking a representative of XXXX XXXX on a recorded phone call they stated that this deposit was not applied to the amount. There is no mention or notice of XXXX XXXX forfeiting their customers deposit without application to debts and is very intentionally misleading and/or even malicious as XXXX XXXX is intentionally reporting derogatory marks on my credit history without having applied the deposit I was lead to believe would cover a CREDIBLE debt on the credit should it not be paid at an appropriate time I believe there is a misreporting of the amount owed; XXXX XXXX Reported : {$170.00} owed to them however I believe this amount is not only incorrect, XXXX XXXX stated on a recorded line that they did not use my deposit of {$200.00} and stated on a recorded phone call that they will not use or return my deposit. XXXX XXXX is intentionally misleading customers, taking their money and negatively affecting credit even when I have repeatedly called XXXX XXXX and tried to work on a solution with them. 

As such I am now requesting XXXX XXXX, EXPERIAN, XXXX and XXXX provide me with detailed proof of the debts including specific information such as date and times of purchases, amounts for each purchase, location of purchase. I am also requesting XXXX XXXX return my deposit of {$200.00} or apply it to my supposed debt of {$170.00}. As a gesture of goodwill in the case of the latter I will consider the {$25.00} owed to me as unneccessary to return, if not I request the return of the full {$200.00} deposit. 

ADDITIONALLY I am requesting that these derogatory marks and items be removed entirely from my credit report ENTIRELY, including but not limited to removal from EXPERIAN, XXXX and XXXX. 

Please investigate this matter and please send me proof of debts, a return of deposit and/or application to any credible existing debt and delete the disputed and/or deragaotry item ( s ) as soon as possible. appreciate your prompt attention to this matter and I hope to hear from you soon regarding a solution to our mutual satisfaction, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Name of Furnisher : XXXX XXXX  amount {$700.00} Collection Agency reporting incorrect Info : Hunter Warfield Date I made pmt : XX/XX/XXXX cashier 's check from bank was mailed to Furnisher XXXX XXXX 
The debt collector from online has ha it of taking peeps money and not providing clearance letters for their report. 
XX/XX/XXXX - Filed dispute with XXXX. They did not update report. 
XX/XX/XXXX Filed dispute with XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX