23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have Filed a dispute in regards to the incorrect item on my credit report. Which in my dispute I stated the item ( NOT MINE ) : XXXX XXXX XXXX, Account # XXXX, Account # XXXX Date Opened : XXXX XXXX Amount : {$14000.00} Address : XXXX XXXX XXXX XXXX, SC XXXX Contact Number XXXX It has been well over 30 days, and I ask that this be removed from off my credit report. 

I also reached out to the company XXXX XXXX XXXX stating for them to remove this item, and that this is not my debt, and this is also fraud. The company sold this debt to another collection agency,, Which I received in the mail. 

I then reached out to all 3 Credit Bureaus, Experian, XXXX, and XXXX and mailed them all required documents : copy of identification, and social Security number. Stating that this Inaccurate information is NOT MINE. 

I also attached my identification incase you need for me to provide it. Along with my license that has my marriage last name on it XXXX XXXX XXXX, My Maiden name is XXXX XXXX XXXX.
Product: Credit card

Dear Capital One XXXX Team : I was reviewing my credit report today and was surprised to see that my XXXX credit cards were marked as late in XXXX, XXXX, and XX/XX/XXXX for the account I opened in XX/XX/XXXX. Additionally, the account I opened in XX/XX/XXXX was marked as late in XX/XX/XXXX. I am not entirely sure what happened, as I believed I had made my payments when I received my statements at home. I suspect the statements XXXX have been sent to an incorrect or previous address in XXXX, XXXX, where I no longer reside. It is also possible that during a medical emergency related to XXXX, the payment was not applied as quickly as expected. 

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$540.00} XXXXBalance {$50.00} XXXX  XXXXBalance {$0.00} XXXXBalance {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 
After reviewing my credit report, I discovered an unrecognized inquiry on my TransUnion credit report from XXXX on XX/XX/2019. I contacted the company, and they were supposed to remove it. However, it has passed several months already, and the inquiry is still on my credit report. 

TransUnion credit report XX/XX/2019 XXXX
Product: Checking or savings account

In XX/XX/year>, JPMorgan Chase Bank , N.A . closed four of our accounts without providing any written explanation for the closure. The total balance across these accounts was {$42000.00}. 
Since the closure, Chase Bank has not released the funds to us. We have made numerous calls to their customer service department and multiple visits to their local branches to request the return of our funds. Despite our repeated attempts to resolve the matter amicably, as of today, Chase Bank has failed to refund the amount or provide any substantive update regarding the release of our funds.
Product: Debt collection

I am filing a complaint against Experian for their refusal to correct an inaccurate collection account on my credit report despite multiple attempts to resolve the issue. Below are the details : XXXX. The Issue : A collection account from XXXX XXXX is being reported inaccurately on my credit file with Experian. 
The XXXX other credit bureaus, XXXX and XXXX, have already removed this collection from my reports after determining it was inaccurate. 
Despite sending certified mail disputing the account and requesting proof, Experian insists the account is accurate but has not provided any documentation verifying its validity. 
XXXX. My Attempts to Resolve : I sent a formal dispute via certified mail on XX/XX/2024, and Experian was the first to respond and complete the investigation by XX/XX/2024. 
I provided supporting evidence and requested validation of the debt. 
Experian has not responded with valid proof, nor have they investigated the matter appropriately. 
XXXX. Why This Matters : This inaccurate collection is damaging my credit profile and causing undue financial harm. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and to have it removed if it can not be verified. 
XXXX. Requested Resolution : I am requesting the CFPB to require Experian to remove the inaccurate collection account from my credit report immediately. 
I am also requesting proof of their investigation process or validation of the debt if they continue to claim it is accurate. 

Attachments : Proof of removal by XXXX and XXXX. 
Copies of my certified mail dispute. 
Screenshots or printouts of my updated credit reports from the other bureaus. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly.
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 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  and list of Inquiries. 


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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Debt collection

Some unknown debt/credit charges on my personal credit report .i request for a purchase agreement from these debts collectors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

My Wells Fargo Signature Visa Card, its cancelled now, the card was used as direct pay card for my XXXX cell phone service, the bill went for my checking account. The XX/XX/XXXX statement had a billing error, a double charge from a previous month, I informed Wells Fargo, customer service disputed the 2 charges. I contacted XXXX about it, they resolved the issue with a free months service. I contacted Wells Fargo they closed the 2 disputes. Then on XX/XX/XXXX the 2 charges reappeared on my visa statement. Contacting Wells Fargo, I was informed that Wells Fargo made a payment to XXXX of {$100.00} on the XXXX. I requested a transaction number for that payment on the XXXX and still do not have one that I can use to verify XXXX was payed. XXXX  can not find that payment without the transaction number, Wells Fargo required that I pay them {$100.00} or interest will start adding up monthly. The payment was made and I still have no evidence that Wells Fargo made the payment to XXXX. I mailed 2 requests to Wells Fargo 's dispute dept. that I am attaching. First was to remove the {$100.00} because XXXX had been reimbursed by me, second was about a transaction number to follow up with XXXX for credit for a payment I can not prove was made XXXX XXXX.
Product: Mortgage

I as paying an interest only mortgage with XXXX who sold the mortgage loan to Specialized Loan Servicing LLC. I called them in XX/XX/XXXX to request a XXXX fixed mortgage since the principle of my loan was {$50000.00} and it never decreased after paying 10 years. I was denied a modification because I had never missed a payment. I thought that was crazy so I resubmitted it. They began returning my payments which forced me to miss payments. I was so frustrated with calling there and being talked to like an XXXX I hired XXXX XXXX to help me. XXXX was able to work out a modification where I was in a 30 year fixed but they hurt my credit with the missed payments! I was now back to paying 30 years of interest as if I never paid the 10 years. I made my payments every month on time for 10 months then they sent me a statement with an additional {$110.00} charge added to my mortgage payment. I called and was told to fax in my problem and to send in my normal payment. I sent in my payment less the {$110.00} charge. I received a letter stating the {$110.00} was an error and would be corrected. When I received my statement for the next month they had not applied my payment, it was sitting in unapplied funds and they were requesting double the amount that I owe monthly. I called and was told my payment was not paid in full so it would not be applied. I explained that I did make my normal payment as instructed to do so but not the {$110.00} that was put on my account in error. So once again I only paid my normal payment for the month. This went on for 3 months. I thought their system would finally see I was not behind in my payments because the money was sitting there in unapplied funds but no such luck. I called in XXXX and they told me that since this all happened in XX/XX/XXXX there is nothing they can do. So I have a mortgage payment sitting in unapplied funds that will never be applied to my mortgage because they overcharged me {$110.00}. When I called in XXXX I was told I was 3 months behind when I have NEVER missed a payment. My statement shows I owe them over {$1500.00}. In XXXX I decided not to pay them to see if they would apply the mortgage payment that is sitting in unapplied funds. I feel they want to force me into a foreclosure. Since I just do n't have the money to hire XXXX again, I had just given up until an agency called XXXX XXXX suggested I contact your agency.
Product: Mortgage

My lender changed servicer on or about XX/XX/XXXX. I mailed a check to LoanCare ( my new loan servicer ) on XX/XX/XXXX for XXXX 's mortgage payment in the amount of {$3000.00}. I left for an international trip on or around XX/XX/XXXX. I had an agent send a cashier 's check in the amount of {$3000.00} to LoanCare 's PO Box in XXXX for XXXX 's mortgage payment, because Loancare had not sent me the necessary information to set up an online account. When I returned in the middle of XX/XX/XXXX, Loancare said I was late for XXXX 's payment. I called Loancare multiple times in XXXX regarding that cashier 's check and the agents at LoanCare informed me that they had not received the cashier 's check yet. I called XXXX XXXX XXXX to cancel the cashier 's check, but they informed me that the cashier 's check had been cashed. They conducted an internal investigation over the next few months because LoanCare had said they did not receive the cashier 's check. Ultimately, XXXX  XXXX XXXX confirmed that the cashier 's check had been cashed by Loancare. 

After XXXX  XXXX XXXX completed its investigation, I started following up with LoanCare regarding the cashier 's check. On XX/XX/XXXX, I called to follow up on the cashier 's check. The agent told me to send an email to payment research and submit a payment inquiry through their online portal. I did both. I did not hear from them. ( Ticket number : XXXX ). 

I followed up with LoanCare on XX/XX/XXXX telling them that I had not received an update regarding my inquiry. I spoke with XXXX ( employee ID Name : XXXX ), and she indicated that the matter had been resolved. She said that one of the checks was credited to the wrong loan number, and that the amount of the check ( {$3000.00} ) was being sent to my current loan servicer ( XXXX XXXX ) as a refund. I told her if she could send me this information in writing because I never received a response, and she said she could not. I told her if I could speak to someone as to why not. She said I would have to submit another inquiry via LoanCare 's online portal. I called my current loan servicer ( XXXX XXXX ) on the same day, and they confirmed they had not received a {$3000.00} credit from LoanCare. I submitted another inquiry via the online portal ( Ticket number : XXXX ). 

On XX/XX/XXXX, I followed up with LoanCare again regarding the cashier 's check. I told XXXX ( Employe Id  XXXX ) that I submitted the inquiries via LoanCare 's online portal but I have not received a response. My inquiries just sit in limbo. She indicated that that is probably the case because my loan is no longer serviced by Loancare and people are not reading the notes regarding my inquiries. She said she would escalate my inquiry directly with my lender. She gave me a new ticket number ( XXXX ). 

I have been talking to multiple service representatives about this issue and no one knows what is going on. I have asked the representatives if I can discuss the issue directly with the payment research department but no one wants to transfer me to them. I am not sure what else to do hear because my issue is not being resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is in violation of the fair credit reporting act they removed an account that didnt get verified than put it back on my credit report they are in violation reporting both of these XXXX XXXX accounts on my credit report after they were removed and if these items arent removed i can sue for XXXX $ per account. i ask that you the cfpb help me get these accounts removed because they are in violation of the fair credit reporting act I have provided documents below
Product: Money transfer, virtual currency, or money service

My name is XXXX, XXXX. I remitted money to XXXX through XXXX XXXX on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Debt collection

They have literally called me non stop everyday from XX/XX/XXXX to currently XX/XX/XXXX. I get multiple calls a day from them. I have literally received at least 35 calls in that time frame that I have saved.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on ( XX/XX/2024 ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Vice President of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) stated that a complete investigation was done and my account was verified but how is that possible if they did not do a proper investigation according to the law. I have not received any documentation or collection letter from XXXX XXXX XXXX XXXX XXXX. 

I would like to know who did they talk to. 
How did they complete this investigation
Product: Money transfer, virtual currency, or money service

EFT using chime pay anyone feature sent to wrong recipient numerous disputes denied, support messages deleted, recorded phone call with support staying recipient was not the account owner that was paid never used for investigation, deliberately violating federal EFT laws.
Product: Debt collection

On XX/XX/year>XXXX  I sent a certified letter off to National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA, XXXX requesting validation of the debt they said I owe in the amount of {$3100.00}. I was expecting a response within 30 days. However, it is well over 30 days and I have not heard from anyone from this company to provide proof.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), the accounts mentioned below have violated my federally protected rights regarding privacy and confidentiality, as detailed in 15 U.S.C 1681. 

Account Name : XXXX XXXX, formerly known as SIMPLE Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/ XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX All the accounts listed above have infringed upon my rights. Section 602 A of 15 U.S.C 1681 confirms my right to privacy.

Additionally, as per Section 604 A, Section 2 of 15 U.S.C 1681, a consumer reporting agency is prohibited from disclosing any account information without my prior written consent.

Section 1681c ( a ) ( 5 ) of 15 U.S.C stipulates that no consumer reporting agency can include certain adverse information in a consumer report, except for convictions of crimes that occurred more than seven years prior to the report.

Lastly, under Section 1681s-2 ( A ) ( 1 ) of 15 U.S.C, it is illegal for any entity to provide inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an old account on my report, via Capital One Bank USA, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand Capital One Bank USA provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both Capital One Bank USA and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe Capital One Bank USA a dime, and they know it, and XXXX should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.
Product: Bank account or service

1 ) I met with XXXX XXXX XXXX at my local branch and signed up for a promotion that would give me {$1000.00} bonus after opening a Select Business checking account, a business credit card and spending {$2000.00} on it within 60 days of opening. The terms of the promotion stated that within 90 days of meeting the requirements, the bonus will be posted to my account or if not, that they will mail me a check. I fulfilled the requirements for the promotion on XXXX XXXX, 2015 and am already past the 90 day waiting period needed for the bonus to be posted. I have made numerous calls to XXXX XXXX as well as other B of A representatives to follow up on the bonus, since I had already waited the 90 days after fulfilling the requirements. On XXXX occasions, I was misled and given the wrong information by B of A customer service ; XXXX XXXX, on the other hand, has been ambiguous, misleading and unhelpful. On our last telephone communication XXXX XXXX, he told me that I will have to wait ANOTHER 30 days. Then before this same conversation ended, he said it would take another 30 to 60 days. He kept changing the information/data he was giving me as we talked. 
- I believe I should have already received the {$1000.00} bonus by now since it is past 90 days from when I have fulfilled ALL the requirements of the promotion, including keeping all said accounts open and in GOOD standing. 
2 ) XXXX XXXX managed to mislead me and my husband by opening XXXX checking accounts, when for the purposes of the above promotion, ONLY XXXX checking account was required to be opened. I communicated my concern that there have been XXXX checking accounts opened, instead of just XXXX, which was what we intended. He told me not to worry about it - that he usually opens XXXX accounts for clients, since the second account would come free anyway. Because I did not want to jeopardize the conditions of the promotion, I did not close the extra ( XXXX ) checking account. Looking back now, I believe that XXXX XXXX intentionally opened XXXX checking accounts, when we intended to open only XXXX account - perhaps to fulfill some bank quota requirements to benefit him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account listed on my credit report by collection company XXXX XXXX XXXX XXXX for original creditor XXXX XXXX. This should be listed on my credit report as my XXXX XXXX account was resolved directly with XXXX and I've never made contact with XXXX XXXX XXXX. My account with XXXX was paid in full with XXXX on XX/XX/2022 in the amount of {$310.00}. I submitted disputes to credit bureaus XXXX, XXXX, and Experian. All disputes came back with the result of the debt being verified though I received no additional information. I'm not sure how the debt came back as verified when as stated, my XXXX account was paid and resolved directly with XXXX.
Product: Debt collection

XXXX XXXX for XXXX XXXX is reporting a dept. I disputed with all three reporting agents. They said debt was valid. i called XXXX XXXX and XXXX XXXX. nether of them can provide any documents showing where I signed anything for this debt or what this debt is for. Midland account number is XXXX balance is XXXX date opened was XX/XX/2012.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to XXXX years in prison and civil liability.