23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My ex-wife used my name to get a cell phone account that I did not give my permission. Now they contacting me to collect the debt. Because she my name. XXXX XXXX XXXX  keep on passing the debt over different collection agency so they can keep affecting my credit score. This debt was made in Alabama, I am in North Carolina been here since XXXX. These people traced me down but can not find her and she is there in Alabama where the debt originated from. Talk to XXXX XXXX XXXX two years ago when this took place and told them this is identity theft. They told me they will take care of it, but they are still holding me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses do conduct an investigation. XXXX XXXX representive would rather dispute my complaint over fixing my credit report. 

XXXX XXXX IS currently reporting inaccurate information on my credit report. On XXXX XXXX   and Trans Union it shows reporting that my last date of payment was XX/XX/2016. 

XXXX XXXX also reports that I was late XX/XX//2016. When speaking to the person responding to my complaint he/she states In summary, your account became 30 or more days delinquent in XXXX 2016 and was never brought current. 

This person responding to the complaint states that I am not factual but proves my complaint valid with the statement above. I have been disputing a number of inaccuracies but like the repersentive above said I first late on XX/XX/2016. 

So this INDEED MEANS the First date of delinquent was XX/XX/2016 and NOT XX/XX//2016. 

While the repersentive is attempting to school me heres what he/she said as well First, your date of first delinquency is XX/XX/ 2016. Our records reflect that the account was due for the XX/XX/20/16 payment which was paid on XX/XX/2016. 

Then sends me an account paying history statement that I will attach. 

XXXX XXXX OWN statement shows the following. 
The rep states my due date was XXXX Due XX/XX//2016 Payment XXXX/XXXX/16 Due XX/XX/2016 Payment XXXX/XXXX/16 How can I be 30 days late? Based on your own statements it shows youre violating my rights! While, protesting against my complaints instead of doing an investigation. 

XXXX XXXX reports on all credit reports that I am 30 days late XX/XX//2016 and my first date of delinquent was XX/XX//2016. 

I get back in 2016 that I made mistakes but this erroneous reporting and going back in fourth instead of an investigation proves XXXX XXXX has some malicious intent to keep inaccurate information on my credit report. This is vindictive credit reporting If a Definition was needed. 

Again, there are 3 reasons this account needs to be removed! 

1. I WAS NOT late XX/XX/2016 2. XX/XX//2016 was not the first date I was delinquent 3. This account should not CURRENTLY be reporting as a charge off. As this debt was dismissed in Bankupcy court. 
4. 76 month Terms reporting on a closed account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXXXX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting or other personal consumer reports

I sent a letter to transunion per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) asking to validate accounts that I am disputing on my report. Transunion didnt respond.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate credit reporting by [ Credit Bureau Name ] in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ).

I recently obtained a copy of my credit report and discovered several inaccuracies pertaining to the following accounts : XXXX account XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Upon reviewing my credit report, I noticed that these accounts contain erroneous information, including but not limited to incorrect payment histories, misrepresented balances, and inaccurate dates of last activity. These inaccuracies are severely impacting my creditworthiness and financial standing. 

I am disputing the information reported by [ Credit Bureau Name ] regarding the aforementioned accounts, as it does not reflect the accurate and up-to-date status of these accounts. Under 15 U.S.C. 1681 Section 604A ( 2 ), I have the right to dispute any inaccurate information contained in my credit report and request that it be corrected or removed. 

Furthermore, I believe that [ Credit Bureau Name ] has violated 15 U.S.C. 1681 Section 602A by failing to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit report. The discrepancies in the reported information demonstrate a failure on their part to fulfill their obligations under the FCRA.

I request that the CFPB investigate this matter thoroughly and take appropriate action against [ Credit Bureau Name ] for their non-compliance with the FCRA. Additionally, I urge [ Credit Bureau Name ] to promptly investigate my disputes and correct the inaccuracies in my credit report. 

Please find enclosed copies of my credit report highlighting the discrepancies, as well as any supporting documentation related to the disputed accounts. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information in my credit report.
Product: Mortgage

A letter of notice of error was sent to WVHDF on XXXX XXXX, XXXX which stated the following : This letter is to serve as official notice that an error has been made on my loan account as required under the Real Estate Settlement Procedures Act ( RESPA ). This error was reported to your office on XXXX XXXX, XXXX at XXXX XXXX. by telephone ; however, RESPA only governs  written notices of error. 
My escrow account on loan XXXX has been erroneously charged {$310.00} for Mortgage Insruance Premiums which were cancelled after the XXXX XXXX, XXXX payment. Disbursements were made in error for XXXX XXXX, XXXX for {$62.00}, XXXX XXXX, XXXX for {$62.00}, XXXX XXXX, XXXX for {$62.00} and XXXX XXXX, XXXX for {$120.00}. 
Under Section 1024.35 ( d ) of RESPA I should be provided a written response acknowledging receipt of the notice of error. Section 1024.35 requires a servicer to respond to a notice of error by correcting the error or errors identified by the borrower and providing the borrower with a written notification of the correction, the effective date of the correction, and contact information, including a telephone number, for further assistance ; or conduct a reasonable investigation and providing the borrower with a written notification that includes a statement that the servicer has determined that no error occurred, a statement of the reasons for this determination, a statement of the borrowers right to request documents relied upon by the servicer in reaching its determination, information regarding how the borrower can request such documents, and contact information, including a telephone number for further assistance. 
The servicer should also comply with these requirement no later than seven days ( excluding legal public holidays, Saturdays, and Sundays ) after the servicer receives the notice of error or errors asserted.
WVHDF replied on XXXX XXXX, XXXX that they would review my information and a formal response would be forwarded to me within 7 days. I have not received a formal response as of XXXX XXXX, XXXX. 

It appears that according to my online history {$250.00} has been refunded to my account which is {$62.00} less than disputed. I have not received an explanation as to the difference disputed and it appears my escrow account will be left materially over funded if this is left on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request the Credit Reporting Agencies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$740.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$22.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Checking or savings account

I opened a KeyBank Merchant Services account in XX/XX/XXXX for my foundation. I closed the account in mid- XX/XX/XXXX. I was told to return the equipment to the local branch & their representative would take care of it ( returning the equipment and closing the account ). I have been a customer of KeyBank for many years & trust the people there. So I dropped off the equipment in XXXX XXXX. At the end of the next year in XX/XX/XXXX, I realized that XXXX XXXX continued to charge me a monthly service fee and withdrew over {$1000.00} from my checking account. I complained to the branch & they referred me to merchant services who refused to pay back the money. Later, I approached another branch manager who assisted me but merchant services said I did not return the equipment. That, of course, is not true. Their representative did not give me a receipt or email acknowledging return of equipment. So now they have stonewalled me and I can not get past this point.
Product: Credit reporting or other personal consumer reports

There is flase information on my credit report it is showing one account that says it is from 2010 as being late 90 days but I have not recieved any account information or billing statements, no one has contacted me and even when I go to the student aid website it shows nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. Thank you!
Product: Credit card or prepaid card

The account in dispute is a Capital One MasterCard account. On Monday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$470.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One MasterCard account. Then, on Tuesday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$550.00} from XXXX XXXX, a company based in XXXX, XXXX, with the same Capital One MasterCard account. Bitcoin is a private, speculative non-cash " Cryptocurrency '' which I purchased for private investment purposes. It is no different than a purchase of any other merchandise item for investment purposes, i.e. : Classic Automobile, Antique Furniture, Famous Painting, etc., and it's value is only based on variable individual human perception. Despite it's description label of being a " currency '', it is NOT a traditional public currency as regulated, controlled, issued and recognized by established global Governments and their authorized, legal Banking institutions and Monetary Systems. ( Capital One itself does NOT even recognize or accept " Bitcoin '' as a legitimate legal currency! They will NOT accept " Bitcoin '' for payments, deposits, etc.! ) The dispute in question is not about the ( 2 ) above listed Capital One MasterCard charges - they are legitimate. It is regarding the fact that I have been charged " CASH ADVANCE INTEREST '' and a " CASH ADVANCE FEE '' for which I have received NO CASH! On XX/XX/XXXX, a CASH ADVANCE INTEREST CHARGE of {$2.00} was assessed, then on XX/XX/XXXX, a CASH ADVANCE FEE of {$16.00} was assessed, and finally on XX/XX/XXXX, another CASH ADVANCE INTEREST CHARGE of {$6.00} was assessed. The grand total of these erroneous charges comes to {$25.00}. When I contacted Capital One directly by telephone regarding these fees/charges, they adamantly refused to do anything about these charges. ( Interesting, isn't it?! ) They also refused to give any legal proof that " Bitcoin '' is in fact " cash '', neither could they tell me where I received this " cash ''. CASH, as defined by XXXX 's Law Dictionary, is : " Ready money ; whatever can be used as money without being converted into another form ; that which circulates as money, including bank-bills. XXXX v. XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX ; XXXX v. XXXX, XXXX XXXX. ( Va. ) XXXX ; XXXX v. XXXX, XXXX XXXX. ( N. Y. ) XXXX. '' As you can now CLEARLY see, " Bitcoin '' does NOT fit this legal definition whatsoever! These actions by Capital One obviously constitute both FRAUD and THEFT, and demand is hereby made that Capital One immediately withdraw these three illegitimate " CASH ADVANCE '' related charges and credit back to my account the full amount of {$25.00} without any further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the years of XX/XX/XXXX and XX/XX/XXXX, my parents ( XXXX and XXXX XXXX XXXX : address XXXX XXXX XXXX XXXX, GA ) ( the police report upload has it a few items mistaken like the name on it has XXXX not XXXX ) took out many student loans under my name without my permission with themselves as co-signers. The disturbing part is the fact that the XXXX has paid for my entire schooling and I have proof of that. I had contacted all of the credit bureaus ( XXXX, XXXX, TransUnion, etc. ) to let them know what had happened with a police report and proof. But they are still reporting the student loans with incomplete/omitted information, that is bottom line fraudulent. Also after contacting them discovered that they were not keeping up with the right information anyway, like my home address. And if it was changed, my parents did so by using the return address on the gifts I would send my baby brother, never by me. They never tried to do research to find the paper trail, because if they did they saw the paper trail they wouldve seen that the money went into their private accounts and never used for school. The companies that Ive found so far are as follows ( all amounts are approximate ) : 1 ) XXXX/XXXX- {$3400.00} 2 ) XXXX XXXX XXXXXXXX- {$10000.00} 3 ) XXXX XXXX- {$17000.00} 4 ) XXXX XXXX XXXX- {$16000.00} 5 ) XXXX XXXX XXXX- {$10000.00} 6 ) XXXX XXXX- {$3400.00}
Product: Credit reporting or other personal consumer reports

I have a late payment that is affecting my credit and keeps me from obtaining credit please address with navient thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX and XXXX XXXX XXXX
Product: Mortgage

Wells Fargo mortgage, making payments by phone. Wells Fargo, i have made payments by phone many times. on XXXX an XXXX XXXX wells Fargo did not deduct payments. causing late payments. no notification of problem. I called to ask about late notification, was toked no phone conversation toke place on dates in question. was only notified by mail. was only kindly toke, they would look in to it. drop credit sore, left me hanging. i have personal problems with XXXX XXXX XXXX, with very good help. with them. but now, it seems they are grabbing at money anyway possible. i now go to bank teller window to do business. i did not need this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number XXXX XXXX, XXXXXXXX XXXX XXXX Account number : 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 1 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. Account : ( XXXX XXXX ) : ( XXXX ) Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The data showing on my  XXXX  account states : " {$10000.00} from  XXXX  to  XXXX  and {$500.00} from  XXXX  to  XXXX  '' for the credit limit. This is incorrect for the {$500.00}, the account was closed with a {$10000.00} limit.     This was previously disputed with the credit bureau and a second attempt was unsuccessful online with an error message.
Product: Checking or savings account

I was the victim of a phone scam which resulted in two fraudulent wire transfers being made from my Chase checking account. I realized the scam had been perpetrated within hours and contacted Chase and formally requested a XXXX recall be initiated on the fraudulent transfers but was told that the only way to contact the wire transfer team was by secure email. I completed this step however it was over twenty four hours before I received any reply. In this time frame in spite of multiple calls to Chase fraud the money was transferred several more times. There is apparently NO WAY to initiated a critical and time sensitive XXXX  recall through Chase bank.