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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

Three days prior to closing on a real estate purchase, I received an email from whom appeared to be my closing coordinator informing me that there had been a change to the closing instruction. In the email, the scammer advised me to send the closing money to a bank account at XXXX. After verifying a few details over the email, I did wire the money from my own account at Bank of America. A couple of hours later and I realized this had been a mistake. I immediately contacted Bank of America and issued a recall request. I then contacted local police and filed a police report. I also called XXXX fraud hotline and reported this scam. The representative at XXXX suggested me to stop by a local XXXX branch office. I did and worked with a branch manager who immediately put the suspected account on a hard hold. After a couple of days following up with both Bank of America and XXXX bank, I now know that XXXX has a hold on the money but a portion had been withdrawn. Additionally, XXXX was willing to release the money back to Bank of America but it requires a " Hold Harmless Agreement '' that is signed by the VP of the Wire Department at Bank of America. However a Bank of America representative has refused to do so citing that this would transfer the legal liability from XXXX to Bank of America. 
I 'd like to file the complaint against XXXX bank for not able to accept a " Hold Harmless Agreement '' from me or not able to release the money back to me directly despite that I have proof beyond of doubts that the money was mistakenly transferred from my account at Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checkiung my credit yesterday because I am rearing to purchase a home and I noticed fraudulent and unauthorized accounts that are currently reporting to my credit profile. I do not know who accessed my credit without authorization, and I didnt give authorization to any of the listed creditors to pull a credit report on me. The accounts are as followed : Account Name : Auto Credit Account Number : XXXX Amount Owed : {$12000.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 Account Name : Capital One BAnk USA Account Number : XXXX Amount Owed : {$400.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$2000.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Amount Owed : {$800.00} Date Discovered : XX/XX/2021 Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed my XXXX XXXX account from their account with out my authorization, I did not tell them too and neither did XXXX XXXX I called both parties and no one seems to know why they removed my account? I need my credit showing back in the Experian report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER XXXX, TransUnion and XXXX REFUSE to remove said information even when I mailed them the same info I sent to XXXX . 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. 
Evidence of Errors in Payment Reporting For the account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : TransUnion : The account incorrectly reports XXXX XXXX late payments in XX/XX/XXXX and XX/XX/XXXX, even though payments were made on time. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across TransUnion, XXXX, and XXXX reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for XXXX Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted the credit bureau in reference to this account by mail. I did not get an answer back from  XXXX , and the other  XXXX  updated the account as meets FCRA requirements. However, after speaking with  XXXX   XXXX  it was determined that they would delete the account and have the  XXXX  credit bureaus do the same. I faxed in the letter stating they would remove it however to no avail the account is still being reported.  XXXX
Product: Student loan

I have been assigned to the loan servicer called FMS. I was never informed that a loan went into default as I have been using XXXX for another school loan and believed it was my only XXXX. Only when my loan with FMS went into default did they contact me or leave a voice mail message. It has now been 4 months since I was told and have been trying the default forgiveness program they provided. It is extremely shady and unprofessional, as are the employees. I would really like to consolidate my loan and or switch this other loan to XXXX, a much more professional company. They have taken my tax return even as I 've been paying them every month for the default forgiveness program and still it is n't working somehow.
Product: Credit reporting or other personal consumer reports

XXXX To Whom This May Concern : On XX/XX/2024 I wrote you a letter requesting verification. 

On XX/XX/2024 ) you responded stating that you have previously investigated and verified this account. Since I have never requested a verification of this account, I believe you are attempting to stall or ignore my right to request verification and have this incorrect information removed. 

I demand that you initiate an investigation as is my right under the FCRA, or send proof that you have previously investigated these listings. 

In good faith, I will give you 30 days from the date of this letter to initiate an investigation on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take note that I am carefully recording all correspondence and I file complaints with the CFPB, FTC and AG. If you fail to provide me with the requested investigation, it is my right to seek judicial relief, and I am prepared to do so. 

I look forward to your response no later than ( insert date 30 days from this letter )
Product: Prepaid card

I am one of the millions of people whose identifying information was compromised by Equifax. As a small compensation, I participated in the class action and learned that rather than receive a cash equivalent, the Equifax settlement money would be delivered by a XXXX debit card. I was required to release a lot of personal information to access a small amount of money. I tried to use the card multiple times online, which was the only way it could be spent, and it was repeatedly rejected by multiple stores. Also, the notice said I was entitled to an " additional '' payment but I do not remember receiving the first. 

Here is the notice of payment : Dear XXXX  : The Equifax Data Breach Settlement Agreement says any remaining funds in the Consumer Restitution Fund will be distributed to Settlement Class Members with valid claims. 

You have a valid claim and are eligible for an additional payment. It will be sent to you by electronic pre-paid card. 

You will receive an email from XXXX the week of XX/XX/year> with instructions to redeem your electronic pre-paid card. 

For more information about the Settlement, please visit the Settlement Website at XXXX
Product: Credit reporting or other personal consumer reports

I have a Bank of America account, and only have a Bank of America credit card attached to my SSN. I used to have excellent credit, I pay all of my bills on time and relatively leave no balance on my card. Before this incident, I had a XXXX credit score that I was very proud of. All of a sudden around XX/XX/XXXX, I got an email stating that my credit score has completely disappeared. There was no trace, and any online credit monitoring g service stated that I went from having {XXXX} in accessible credit to XXXX. I did not close any accounts, and my credit card was still active, so this made XXXX sense. Upon calling time and time again to BOFA, they stated that they have no control over this, and that the last time my credit was reported was in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Honestly this is the last time im going to resolve this issue with you guys before I follow suit with my lawyer. I have submitted a complaint back in XXXX because I did not get a response from XXXX equifax or XXXX  since XXXX and NOTHING was resolved. They claimed the responded to the complaint and investigate and LIED. They falsy validated these accounts attached because it is still reporting different dates across all three credit bureaus. They did not sent me anything to validate the accounts. I ran out of patience and tried everything to not bring this to my lawyer since I gave them 5 months. I submitted a complaint and nothing updated. Please look into what these credit bureaus are doing because they are clearly violating my rights as a consumer and going against FCRA. I need these accounts deleted because they did not properly validate ANYTHING reporting different information to each credit bureau. 

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumers eligibility for 15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, pr other entity. 

All of the companies listed below are CORPORATIONS as defined by congress as a person. 

Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW!! You are in direct breach of the federal laws put in place to protect the consumer.
Product: Credit reporting or other personal consumer reports

There are two accounts that Experian refuses to update. This is affecting my credit score negatively. These two accounts have been paid off well over a month and a half ago and has been updated on every other credit repository but Experian. I have contacted them twice and they will not update my credit report and raise my score. They seem to be purposely not updating these two paid off accounts. The two accounts that need to reflect on my report as PAID OFF are : XXXX ( account number XXXX  ) and XXXXXXXX XXXX XXXX ( account number XXXX ). These two account are PAID IN FULL and have been for a while. I need these two accounts to reflect paid in full so my credit score can raise accordingly. I have called both of these company 's and they said they reported this information to Experian a while ago!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a complaint to the XXXX, XXXX, and Experian 's legal team. The credit bureaus are in violation of the FCRA for refusing to provide me with copies of my credit reports and reinvestigation results as promised in their responses. The credit bureaus legal team also failed to provide me with information on how the reinvestigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. Experian continues to report the collection account for XXXX XXXX XXXX although XXXX and XXXX has deleted the inaccurate information. XXXX is reporting inaccurate information on the account with XXXX by failing to report {$1600.00} credit limit. Experian is reporting inaccurate information on the account with XXXX. The company has failed to report the {$3200.00} credit limit. The credit bureaus legal team stated that the accounts are verified, but refuses to provide the appropriate account-level documentation with is a violation of the FCRA Section 1681s-2 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and these fraudulent account were opened in my name. 
I have reported the identity theft and attched the filing documnets to this complaint. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 I settled a debt in the amount of XXXX with XXXX XXXX XXXX for a debt owed to XXXX XXXX, I have a letter from XXXX   stating the debt was paid in full, it also shows on my credit report that the debt is paid in full, however XXXX XXXX turned around and sold the debt to another collections agency by the name of credence. I have sent Credence proof that the debt has been paid and that XXXX XXXX   sold the account to them fradulently, however XXXX XXXX or Credence refuse to provide me a letter indicating the account is paid and they will remove the debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Fin Services # XXXX is reporting a debt I do not owe. This account is past the statute of limitations in Utah and should no longer be on credit. I do not owe this debt and it should be removed.
Product: Debt collection

XX/XX/year> KIKOFF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Debt Account : XXXX Dear KIKOFF INC I am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws.

The debts in question were not discharged in XXXX but were instead canceled via IRS Form 1099-C, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. Any attempt to collect on a canceled debt is a violation of federal law.

It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent. This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income. Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA. 

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under UCC regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case.

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt. Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies. 

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately. 

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, may result in legal action against your company.

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

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

In accordance with the Fair Credit Reporting Act, along with the Privacy Act, the listed account below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under 15 U.S.C. 1681b, 15 U.S.C. 1681, and 15 U.S.C. 1681s-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

I never expressed a written or verbal consensus authorizing Experian XXXX XXXX to publicly report my personal and financial information per 15 U.S.C. 1681b nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681 and 15 U.S.C. 1681s-2. This is an infringement upon my identity, privacy, protection, and rights.
Product: Student loan

My husband and I co-signed on a private student loan with then ( Sallie Mae ), now Navient.

I have tried numerous times to contact them to have them change incorrect information our credit report. Navient posted that the loan was written off at {$7200.00}. However, my son actually is working with a loan consolidation agency, and Navient agreed to a {$5500.00}. Therefore the loan was not defaulted for {$7200.00}, it was deducted and paid for {$5500.00}. When I try to contact Navient to have our credit reports corrected, they repeatedly state that we are not even in their system. I also have tried to access our account through their online system, and a message there also states that our account can not be found. This is extremely frustrating because our report will never be corrected if according to Navient we don't even exist, nor ever had an account with them. How can this issue be corrected. This derogatory note has directly affected our credit. Please advise on hour to resolve this issue. Thank you.
Product: Checking or savings account

In retaliation for submitting previous CFPB complaint regarding PNC Bank 's lack of concern or service regarding their allowing obvious fraud to be committed against me ( and still have not resolved beyond lip service ), PNC is refusing to re-issue bank card. Customer service remains unreachable other than one call in which I was immediately hung up on.