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

5/3 bank is putting unjust holds on my account claiming that by using the ATM I could be committing fraud. They are putting unjust amounts of time on holds for local banks causing the account to overdraft and not allowing access to funds in a business account that is used to by product for customers.
Product: Debt collection

I requested a debt validation letter where I signed a contract accepting a debt with spring oak capital. I have not received one because I have no agreement with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX//2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in XXXX AND XXXX 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 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 or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) XXXX Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Disputed XX/XX/2023 XXXX XXXX said it's verified. By their own information they are a buyer o the debt. So therefore I don't owe XXXX. The original creditor is XXXX XXXX.
Product: Mortgage

In XX/XX/XXXX2018 my closing co ask and received by fax a payoff on my loan at Specialized loan servicing co for closing as i sold my property, this amount was sent to them on XX/XX/XXXX18, and returned approximately to the closing co on XX/XX/XXXX18 saying it wasn't enough to payoff the loan, in the meantime they sent me a escrow /insurance refund, they called me approximately XX/XX/XXXX18 saying i needed to return this escrow amount, it was sent to me in error, i was instructed to send it by certified check back to them, i did this, My closing company re-sent the amount given to them back to my mortgage co, My mortgage company once again returned it to my closing co as they said it wasnt emough to pay off the loan, they didnt wait for my escrow check returned to get to them,. So finallly on XX/XX/XXXX18, my closing co sent the mortgage co ( SLS ) a new wire amount with the total payoff again including what they had refunded to me, Now the mortgage co has a new wire $ amount for the NEW total payoff amount and has my check where i returned the money to them, While checking my credit file they have turned in i didnt pay XXXX and XXXX payment showing me 60 days past due on my credit, dropping my credit score from near XXXX to XXXX, i have always had GREAT CREDIT, i need help and my credit restored, none of this was my fault, it was all started by SLS giving us the wrong payoff amount, and now they are hurting my credit because of the delay to payoff the loan I have called and was told theres nothing i can do, the payments were not paid on time and thats it. PLEASE HELP ME ALSO I NEED my ecsrow refund returned to me asap, thanks
Product: Student loan

I attended a school by the name of XXXX XXXX XXXX in XXXX, Texas ( XXXX XXXX XXXX ) that was closed in XX/XX/XXXX due to financial aid fraud. I graduated but due to the national scandal that was uncovered by the state of Texas and US Department of Education, that cerificate is not honored anywhere, and it's personally wrecking my life by attacking my credit. I have tried since then over the last nine years to get this removed from me and was just made aware that President Obama signed a law that loans of this type were supposed to be wiped out. If I can get some help to make FED Loan Servicing cooperate with me to get the XXXX portions of loans removed, that would change my life. I attended the school from XX/XX/XXXX to XX/XX/XXXX.
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 under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  XXXX  no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  XXXX  no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Checking or savings account

On or around XXXX XX/XX/2023, Navy Fed allowed an unauthorized party to deposit a fraudulent check into my account without my consent. Unknown to me, my credentials were already obtained by this person. Either this was well planned or just a coincidence. The check went through and some of the funds were stolen from my account totalling around {$5500.00}. A couple days after this, the check showed up as returned. This is accurate to the best of my knowledge as I didn't notice It until the day of XX/XX/XXXX I believe it was when I checked to see if my military pay came yet. I reported it asap once I noticed the charges on my account. I've been waiting for word on this case since my rebuttal I sent in early XXXX  I've reached out to the bank directly and all I'm told is it's still getting looked at, my other case on this submitted with CFPB states my bank won't reimburse me or cover it but I've yet to recieve anything in writing & actual notification from my bank with their decision. NFCU has a 0 fraud tolerance policy which I believe I 100 % fall under due to this being unauthorized and fraud, it seems Reg E is black and white as far as consumer protection. This is a severe injustice for them to tell me it's my fault and I'm now responsible for it eventhough I did nothing wrong to be in this position. My credit is destroyed along with the huge financial burden caused by this since the bank won't reimburse the funds that were stolen from. I've submitted claims and cases everywhere I can without a resolution from the bank, CFPB, XXXX and a couple others I can not remember. I have also submitted a fraud affidavit I believe it's called and sent it to the credit reporting companies. ( I can attach if needed but its a few pages ) Every time ive called and spoken to a fraud investigator, its taken a few hours of getting transferred just for them to finally say it looks good to go and I shouldn't have an issue getting refunded but NFCU will work my case in the order it was recieved, it was Recieved in XXXX. Please help, this has been a huge headache dealing with this since XXXX and being denied a refund for unauthorized charges that were reported asap. My XXXX XXXX is tracking the issue and is willing to step in and vouch if it would make a difference.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct any errors, as I believe they may be affecting my XXXX XXXX and my financial well-being. 

The item ( XXXX ) in question are listed below : Creditor Name : XXXX XXXX XXXX as well as Wakefield & Associates Account Number : Unknown Disputed Information : These companies were given my information unlawfully and because of that I am contacting the bureau to remove this from my credit report and any damage it may have caused. 
I request that you conduct a thorough investigation of this item, as the information provided is incorrect. According to the FCRA, you are required to complete the investigation within 30 days of receiving this letter. I ask that you promptly remove or correct any inaccuracies you identify. 

I have enclosed the necessary documentation to support my claim, including [ list any documents you're attaching, such as payment records, bank statements, or letters from the creditor ]. 

Please send me a written confirmation of the results of your investigation and the updated credit report once the dispute is resolved. If you determine that the information is accurate, please provide the detailed reasoning behind your conclusion. 

Thank you for your prompt attention to this matter. I look forward to your response in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX submitted a total loss payment to XXXX XXXX for a XXXX XXXX XXXX that was XXXX XXXX XXXX when I purchased the vehicle and it had over XXXX miles at the time of purchase. Contracts and proof attached. 

Considering the lawsuits pending against XXXX XXXX, TOTAL LOSS from INSURANCE, and the predatory lending of 22.99 % for 5 years on a XXXX car at the time of purchase, I am requesting that credit acceptance REMOVE and DELETE the 180 DAY LATE Payments and other adverse payments from ALL THREE CREDIT REPORTS. 

Since the beginning of the loan in XX/XX/XXXX, I was never late on the car payments. Negative credit reporting started after the total loss of the car. 

The car was involved in an accident in XXXX of XXXX and instead of XXXX XXXX reporting this correctly, they have reported 180 day late payments for ALMOST TWO YEARS affecting my ability to obtain credit in an already increasing high economy. This is unfair to me as the car was deemed a total loss, and XXXX XXXX  CHARGED ME {$12000.00} in APR charges or interest, which is more than double the price of the vehicle. Contract attached. 

The reason a balance was remaining was due to the 22.99 % interest rate and the sticker price of {$8500.00} on the car, which seemed to be overstated because the car had over XXXX miles on it at the time of purchase and was already XXXX years old. Please assist because I am like many other consumers who are just trying to pay our bills on limited incomes from day-to-day and encountering large conglomerates who take advantage of marginalized communities. Thank you for your help as I really need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information that doesn't belong to me remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I called Quicken Loans to ask a question about a mortgage- The customer sales person asked me for my name etc. before I received an answer to my question! Unbeknownst to me my credit score was impacted because of a " Hard Inquiry '' - It does not seem right to have your credit score come down, when your just want a question answered about the company in question services! 
Your question " Which part of the mortgage process is your issue related to? '' Does not apply so I put Applying for a loan - which I am not or did not!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, XXXX XXXX XXXX reported an account to XXXX XXXX and XXXX. I requested that this account be removed from my credit report. the account was never removed from my credit report. I am asking for verification of this debt. the social security that the company has on file does not match my social security number. I haven't opened any accounts with this company. I am also having issues purchasing a home because of this account on my credit report
Product: Money transfer, virtual currency, or money service

XX/XX/ Notified Regions Bank that I was locked out of my on-line banking accounts. 
XX/XX/ Obtained information identifying that my User ID had been changed without my knowledge. 
XX/XX/ Reset User ID and On-line banking password. 
XXXX  Notified Regions that my User ID had been changed without my knowledge and that I had subsequently changed my User ID and on-line banking password. 
XX/XX/ Regions Bank wired a fraudulent wire to XXXX XXXX XXXX in the amount of {$820000.00}. 
XX/XX/ XXXX AM XXXX - notice an {$820000.00} fraudulent wire transfer in my account. 
XX/XX/ XXXX AM, XXXX AM and XXXX AM - Called Regions Private Wealth Client Care Center at phone number on on-line banking website. Notified Regions of my identification of fraudulent wire transfer. 
Regions has completed their investigation, indicated that XXXX XXXX XXXX will not be returning the funds and Regions will not be returning the funds to my account. 
I do not remember ever sending an International Wire Transfer. I know I have never sent a wire transfer to XXXX. 
I don't recall a wire transfer of this magnitude from my account without further authorization and authentification.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I  received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX