23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXX. 
My friend has sent me {$1.00} XXXX which she used for validating ) and {$500.00} using XXXX to my Savings account which has been already closed and the account is linked to my old mobile number which was not in use. 
However, I received message from Bofa saying that {$1.00} has been credited with confirmation number # XXXX so she has sent the {$500.00} as well. 
But, it was never credited to my account because the account itself not exists ( which makes sense ). As well it never went back to senders account. 

XXXX XXXX. 
After many discussions with Bofa customer care center, we filed a claim expecting that money will be refunded back. 
But, on this day we got a letter saying, " We have completed our investigation of claim, our records indicates that we initiated the transfer in accordance with your instructions. As a courtesy, we attempted to work with the other party we were unsuccessful at contacting the recipient and your account will not be credited '' When account is not linked to my new mobile number and there is no account at all how can I receive a Confirmation from Bofa saying that money was credit successfully which made us make large amount transaction. This is a complete technical glitch from Bofa and they don't have an answer for this. 

XXXX XXXX. 
On this day I went to bank and speak to Bank Relationship manager, he made me to call customer care which I have already tried so many times and they were helpless and asked us to contact an attorney to get the permission to see who received those funds. 

XXXX XXXX. 
Today I again went to bank and speak to Bank Relationship manager, he called to customer executive and described the situation again they suggested to raise a claim. 
And as he said, we contacted customer care to raise a claim and they were asking us to contact an attorney. 

I am not really sure why should I contact an attorney for the account which has been closed and the mobile number as well not in use. 

So, please do the needful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Statewide Credit Service Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 
Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : {$270.00} dollars on : XX/XX/XXXX. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement.

Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 3. above named company reports two different inaccurate remarks on credit report : a ) that the dept was paid in settlement ; 4 ) that I still owe {$270.00} dollars. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 5. the above named company was not the initial company who I allegedley did business with ; 6. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially the inaccurate information states that I did busienss with XXXX. And not Statewide Credit Service. 
6. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ;
Product: Checking or savings account

Well Fargo holding our financial direct deposit for long so when our bills go through the change {$35.00} per insufficient fund which they are causing us financial issue. Since they end up taking $ XXXX a month with this method. This practice has been on going since 2014 until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It alsos 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 items of information, other than records of convictions of crimes which antedates the reporting 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

I received a bill from XXXX on XX/XX/2019 for {$710.00}. I had several accounts opened in my name and knew that this was a part of my identity theft issue.I immediately called the detective handling my identity theft case so he could update my police report.I called XXXX that same day and they said they would not discuss anything with me until I had filed an identity theft report through them. I followed the steps XXXX told me to take and attached a copy of my police report. I did not hear back from them for two weeks and assumed the problem was handled until I received another bill. It took me three days and several tries to get through to XXXX because I kept getting transferred to other departments or put on hold for so long that the call would disconnect. When I finally got through to them, they told me I had submitted an incomplete police report. I knew this was not true so I asked them what information they needed on it to accept the report but they said they would not discuss my report or give me that information. I was then given paperwork from the detective handling my case to fill out. Once that was done he submitted it to them stating that they had to close this account, but they said they would not comply. I have since received another bill. I got this bill on XX/XX/2019 for {$3800.00}. I also received a letter from a debt collector on XX/XX/2019. This company is called MRS. MRS will not comply when I tried to challenge them because they said the information submitted to XXXX was invalid. I know that this is not the case because they were dealing with the detective directly. They will not cooperate when asked to provide the information needed to make the report valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer want to file a complaint on Equifax XXXX. XXXX XXXX, XXXX, GA, XXXX. My complaints on Equifax are that they are violating and undermining my consumer rights according to Laws stated by Congress. 

1st Violation. 
I did not give Equifax the permission to furnish any of these accounts listed. The accounts below are being reported on my credit without my consent nor instructions pursuant to 15 USC 1581b ( a ) ( 2 ). That includes factual information, or transaction history. 

2nd Violation 15 USC 1681 ( a ) ( 4 ) my right to privacy is being violated. 

3rd Violation According to 15 USC 1681 ( a ) ( e ) you have to do interviews with my family, associates, neighbors do validate a debt. They did not perform any of the sorts. They told me over a recorded line that they didn't have to follow that law for validating a law. 

Fact, please show good faith in this matter by expediting this process of having Equifax remove the items listed on your their site in order to avoid me receiving further injury, damages, mental anguish, and losses due to Equifax violating my right to privacy and not having my consent for reporting these particular items on my consumer report. 

XXXX  - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX P.S : XXXX  and XXXX  have already removed these accounts that are reporting on my consumer report. Equifax is the only reporting agency that is giving me problems and damaging my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to you today to request once more to thoroughly investigate my Credit File and correct the erroneous information you report on my Credit File. Under the Fair Credit reporting Act, you must investigate a consumer 's Credit File and correct the erroneous information. I checked my Credit File and I see no changes at all. You have not complied with the request and the federal law. You continued reporting the disputed accounts as if they are accurate and verified. I previously requested that you send me copies of your investigation but you have not! I, once again, would like to request that you correct the following accounts as soon as possible ; XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$79.00} XXXXXXXX XXXX XXXX Balance Owed : {$26.00} XXXX I demand you to comply with the Federal law and have the disputed accounts corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to XXXX 's failure to correct and/or properly investigate inaccurate public records in my credit report. According to the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is required to ensure the accuracy of the information they report and must promptly investigate disputes. However, my attempts to dispute and correct inaccuracies have been improperly handled, and no appropriate corrective action has been taken. Furthermore, their failure to act constitutes a willful violation of the FCRA under Section XXXX, which entitles me to pursue civil liability and seek damages, including the {$1000.00} penalty for each violation of the Act. 

With an account on my credit report, the transactions experiences are not pursuant to XXXX XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Im requesting XXXX to update the payment status for the XXXX XXXX XXXX XXXX payment history from XX/XX/XXXX to XX/XX/XXXX, which makes XXXX violations of transaction experiences that where violated under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXXXXXX, I need it to be immediately updated to paid on time, as the balance of the account is XXXX XXXX 

Any other account on my XXXX showing transaction experience must be updated to paid and on time includin, AFFIRM, INC., XXXX XXXX XXXX XXXX XXXX 

I am requesting monetary compensation from XXXX for their willful non-compliance and monetary compensation for damages this has caused me the consumer. I would like the security department of XXXX XXXX XXXX XXXX to reach out to me, so we can solve this matter immediately.
Product: Mortgage

Within the last five years I have been a victim of ID theft to include mortgages that I didn't know existed and I seek guidance towards resolution with a tracking of property within the states of Nevada, Michigan, and, Arizona, and Tennessee and the XXXX of XXXX XXXX as well as XXXX and XXXX XXXX property with my name and dob and SS number to include only getting one stimulus check realized and three going to the ID thieves. In addition my entire on XXXX  of my name air personality job paychecks were stolen over that time period to include any unauthorized presumptive pay from the XXXX XXXX XXXX, and or XXXX XXXX XXXX and includes mail fraud as well. XXXX XXXX XXXXXXXX XXXX in XXXX NV, a surprise, az address denoting five deeded acres to me legally but with a mansion unauthorized that was built on top of said land acreage.Several properties were bought with my radio show pay only to have ID thieves forge my signature to steal the properties without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2021. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second verification letter, ( signed and received on XX/XX/21 ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response from I have given well over the original 30 days to respond regarding my dispute " verification '' with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 of 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

Hello My Name Is XXXX XXXX XXXX And I Have Big Problem Transunion Claims They Checked Everything On My Report In Everything Is Accurate Im Writing to Say Thats False They Are Reporting Bankruptcy That Do Not Belong To Me I Have Documents To Match That This Account is Not Mine They Wrote me back in told me bankruptcy court reported and account to them I wrote the courts in they sent me documents stating thats false information they do not report anything to transunion Ive sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my documents According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers 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 may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate They lied about who gave them my information all Im asking is they please remove or I have no other choice but to sue them
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations sent to FTC also violations attached
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$250.00}
Product: Money transfer, virtual currency, or money service

My company, XXXX XXXX XXXX, is a XXXX XXXX in XXXX, WI. On XX/XX/20, the sale of a business we had listed Closed.  Unbeknownst to me, somewhere in the process of the Title Insurance Company completing their paperwork to release the funds, our wiring instructions had been hacked ( email ) along the way and our commissions earned ( {$90000.00} ) were wired to a bank account in the XXXX. 
I have filed a formal complaint with the State of Wisconsin Office of the Commissioner of Insurance. They sent a formal letter with my complaint to the title insurance company, XXXX XXXX XXXX in XXXX, WI. The Attorney for XXXX XXXX XXXX did contact me and asked for any information I have regarding preparing for the sale to Close. Within 24 hours I sent the information I had for them to review.

One additional factor for me asking for the evidence is from what I have seen in the email that I was told they used to approve the release of the funds, included a reference to a company that was not involved in the transaction at all. 
In my conversation with the WI Office of the Commissioner of Insurance today, they provided me with the information to contact your group.
Product: Debt collection

I received a mailed letter from American Coradius International claiming I have a debt from XXXX of XXXX dollars as of XX/XX/23. I confirmed with XXXX that nothing linked to my unused account shows a balance or debt ( confirmed with transaction statements ). They stated that anyone can use someones name and social to start an account because there is no verification process.
Product: Checking or savings account

Did a transfer to my external account it was returned and my account was suspended from chime already sent all documents to verify my identity and they dont want to lift the suspension or even give me my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Colonial Auto Finance ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba Car-Mart of XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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: Credit reporting or other personal consumer reports

The creditor Exeter finance is causing statutory damage due to incorrect credit reporting. The creditor charged off debt without providing 1099-C, continued reporting debt after charge-off, and if refusing to remove from credit report.
Product: Debt collection

I have contacted Portfolio Recovery Associates multiple times thru certified mail in seeking a validation not verification of a debt supposedly owned by me on XX/XX/20, XX/XX/20, and XX/XX/20. I have received no validation that the debt they are trying to collect on belongs to me. They are still continually illegally reporting on my credit report since they have failed for 7 months to validate this date. I will be taking them to small claims court if their illegal reporting continues and for defamation as they are continually trying to ruin my credit. Attached are all the letters i have sent to this company and received no validation or response in return. I have the certified letter receipts that I will be bringing with me if i sue this company if we can not get this fixed by this complaint.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.