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

I am banking with Chase Bank and have a very large check for around the amount of XXXX XXXXXXXX that was cashed on XX/XX/22, but I am unable to obtain it. All parties involved are very frustrated and I have spoken to XXXX different people and an advisor. They even closed my account yesterday XX/XX/22. Have been on the phone all day XX/XX/22. 

They need the person who is on the check to be verified, but the system that they use is by checking a phone number that is tied to the person who wrote the check. The person who wrote the check has a number on the check that is over XXXX old, but their system says it isnt tied to the individual. Called them and gave XXXX more numbers that the person who wrote the check is tied to for over XXXX yrs and Chase still says they dont see it tied to the person who wrote the check. 

I ask to have them send the money back to the person who wrote the check or give me back the check. They say that they are unable to do so. So Chase apparently can not give either party back their money. 

This is absolutely outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with WAKEFIELD AND ASSOCIATES with a balance of {$830.00} and an original creditor of XXXX XXXX EMERGENCY. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not Experian. I have been trying to contact Experian about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but Experian isnt following the law.
Product: Credit reporting or other personal consumer reports

Experian put Potentially Negative on my Bankruptcy from the court and this is not a bill bankruptcy shows XXXX balance it is showing on my credit report Potentially Negative and I wants to know why? and was this reported from the court
Product: Money transfer, virtual currency, or money service

PayPAL paid out a transaction that I disputed. I asked for proof and why they are not honoring my dispute. In which case, I got the run-around. It says on their website that I have the right to ask for my correspondence and how they came to their conclusion of not honoring my dispute and they have not provided me with any paperwork but generic copy-paste answers. 
I even have a contract and emails going back and forth with the business that did not provide me with the service but PAYPAL decided they were going to take my money and pay this business. 
Since when is paypal the judge of my money? Even when it's written in black and white with a contract. 
I paid for a service that was not provided to me. The contract date did not even start when I asked for my money back and cancelled and " fired '' the business. Yet, PAY PAL thinks they are the decider of my money without giving me any proof or explanation. 
PAYPAL needs to be held accountable. 
They are not doing what their website promises which is provide transcripts and communication on how they even came to their conclusion.
Product: Credit reporting or other personal consumer reports

I trust this letter reaches you under favorable circumstances. I am writing to express my deep dissatisfaction and concern regarding the numerous attempts I have made to remove fraudulent items from my credit report through Credit Bureaus. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and adversely impacting my financial standing. 

The continued presence of fraudulent items on my credit report is not only inaccurate but also poses a severe threat to my financial well-being. I have attached supporting documentation for each attempt made to rectify this situation, emphasizing the urgency and gravity of the matter. 

I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit report to identify and remove all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I understand the importance of maintaining accurate credit information, and these inaccuracies are adversely affecting my ability to access financial services and secure favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX , TX XXXX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX entered into forbearance plan with XXXX XXXX  XXXX XXXX  thru XXXX so 180 days prior to this date i should not have any late payments per the forbearance plan. 

XX/XX/XXXX wire transferred {$2800.00} XXXX XXXX XXXX sent us the wrong wire instructions and lost the money and took 12 months to finally locate the funds and credit our account. So anything after XX/XX/XXXX should not be late payments. We called numerous times to get this resolved. Spoke with XXXX XXXX during this entire year
Product: Credit reporting or other personal consumer reports

XXXX. I been on the phone holding for XXXX hours and then today XX/XX/XXXX over XXXX hours trying to talk with someone in the credit department at XXXX. I was told that XXXX had my XXXX loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that XXXX are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan XXXXXXXX loan people ( XXXX who transfer or sold my loan to XXXX ) to get it resolved bc it is XXXX mistake.
Product: Credit card

Barclays charged me for a late fee for a card I never applied for or ever used. 
I had an XXXX XXXX XXXX XXXX card I used. I had used the card on a transaction for {$27.00} in XXXX. I paid XXXX XXXX when my bill came in as I always do. Never late. 
Unbenounced to me, XXXX XXXX had switched these cards to Barclay. Barclay issued me a card, which I threw away. They assumed the charge and then added a late fee. 
I never authorized Barclays to send me a card, I never made a charge with them and never owed them money. I paid my bill on time. 
I got a bill from Barclays for late payment. This was actually equal to the amount owed {$27.00}. 
I called Barclays, cancelled my card and challenged the fee. They jept me on the phone, trying to sell me products but never addressed my issue. 
I would like to know how a company can sign me up for a credit card and then charge me late fees for money I never used from them. I never activated the card or used it and I paid my bill on time to the company I made the charge with.
Product: Consumer Loan

Filled out all required paperwork for loan modification. Sent it within the requested timeframe to USAA and now they are saying they did not get it on time, which is a lie considering the date time stamp on the fax THEY reference shows different. USAA is using bait and switch tactics that are illegal and have cost me lost money due to interest and fees.
Product: Debt collection

i call XXXX telephone directory service cancel my advertizing from the directory they didnot cancel my add they try collect it i told them on phone and writen notice but now they hire collection agency to collect name is credit control llc. XXXX XXXX XXXX XXXX, MO XXXX and phone # XXXX account # XXXX
Product: Money transfer, virtual currency, or money service

I had received a phone call from my bank saying that someone was trying to access my XXXX and then I need to reset it, The number on my caller ID was US Bank. I was told I need to forward myself the amount of money I have in my checking account to restart my XXXX. This happened back in end of XXXX, my bank denied my claim and XXXX has not gotten back to me. I transferred a little over {$1300.00} That they asked for and I never got it back. I have a screenshot of the account I sent the money to but Us bank nor XXXX cares. I don't know what else to do. It put me in a financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have 8 XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX loan servicing customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX  Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

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

Attention General Counsel : Experian| XXXX XXXX XXXX Federally & Internationally Protected Consumer has Enclosed Consumer Demand For Arbitration Form With XXXX concerning issue regarding the handling of fraudulent XXXX XXXX XXXX : XXXX and inaccurate information on consumer credit report by Experian. On XX/XX/year>, at XXXXXXXX XXXX XXXX, Experian initially removed the disputed account, which I had identified as fraudulent, from my credit report. However, on XX/XX/year>, after a Fraud Alert had already been placed on my file, Experian inexplicably reinstated the fraudulent account. This action is in direct contravention of established credit reporting practices, specifically the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain the utmost accuracy and integrity in the information they report. Experians actions, as detailed above, appear to violate these statutory requirements. In contrast, both XXXX and XXXX have rightfully removed the fraudulent account from my credit file in accordance with their responsibilities under the FCRA, and have properly recognized the account as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate and unauthorized inquiries reflecting on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person so you are requested to kindly delete below mentioned inquiries or else I will file litigation. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, FLORIDA XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX,
Product: Debt collection

I lost my job last year due to the covid-19 hence I have to cancelled my auto insurance as I could not afford it. I received email from XXXX XXXX XXXX that I owed them an amount of $ {$2500.00} due to the cancellation. I responded by mail that I could not afford the total amount but will pay an installment of {$50.00} a month which they did not reject but accepted the offer by has been cashing the checks I have been sending to them every month. ( Implied agreement XXXX They have violated the terms of the agreement by sending me to be collecting agency and without any notification from the collecting agency they have also reported me to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, it is EXPERIAN 's grave duty and responsibility to report correct and accurate information on my credit report and file. However, they are not doing so. EXPERIAN is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. The inaccurate late payments include the reporting of 150 days delinquent on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does not contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/ permission to furnish these inaccurate late payments on my report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY VERY clear that EXPERIAN has violated my rights under the FCRA and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

Experian report states a {$2600.00} charge off was paid written off, but the creditor says the debt is not written off and still owed - see Experian credit report XX/XX/2025. According to the Experian dispute report, XXXX said the creditor verified the charge off was paid and written off. Hence, the reason for filing an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXccount # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account showed up on my credit report from a company called Professional Bureau Of C  for the amount of {$7200.00} showing an account opened on XX/XX/2020. 

I have sent a letter to the company requesting that they remove the inaccurate information from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attachments. And remove negative accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has continually and intentionally/willfully violated section 623 of the FCRA and it's specifically amended by statute 602 whereby it is 1, Prohibited to ( A ) report information with actual errors and 2, ( B ) Report information after notice and confirmation of errors when I continuously challenged their reporting of this account in my numerous 611 disputes with the credit reporting agencies and subsequent 623 disputes with them. 
On XX/XX/XXXX, I disputed balance owed as I never received any of the required paperwork such as all notices up to and including the notice of deficiency sent certified mail under the law which entitles them to mark my credit reports, payment history, date of last payment and so forth across all three credit bureaus after being denied various credit opportunities and products. 
On XX/XX/XXXX They denied my 623 request to see all documentation on this account ( only sales contract which is not germane to this subject ) to justify they were not erroneously reporting and continued to report it even though they also had proof that they were violating the FCRA by reporting the inaccurate and negative information differently across all the credit bureaus. Then on XXXX XXXX they sent a follow up letter stating my dispute was frivolous at which point I continued to dispute with the credit bureaus untilXX/XX/XXXX. Under the FCRA, if any piece of information is not accurate and complete after an investigation is brought by a consumer the furnishers of the information must update or delete said information so that it is accurate and complete across all the bureaus it furnishes the information to or it faces numerous violations under the FCRA. 
I continuously asked through the entire dispute process with both the CRA 's and the OC to either update or delete the negative information from my credit reports and was continually thwarted by both all the while keeping me from receiving the great credit products and interest rates I would have enjoyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/18 I requested auto loan through Transunion website. I was automatically enrolled in a subscription for credit protection with automatic monthly charge after trial period. No where did I accept the automatic charge option or request there service. I cancelled successfully but needed to call for cancelation. There was no complaint department for transunion per the person on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is destroying my credit score by reporting my lease as late to XXXX, Equifax and XXXX XXXX. I made arrangements in XXXX with XXXX to extend the lease the lease terms due to Covid related financial hardships. XXXX assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has XXXX been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted XXXX 's customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to XXXX on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a real and natural person who is submitting this complaint. On XXXX XXXX, XXXX I wrote a letter to the credit bureaus asking them to verify every piece of information reported on my credit report. XXXX sent me a letter in the mail on XXXX XXXXXXXX XXXX, stating all information has been verified and updated on XXXX XXXX XXXX account # XXXX. According to my credit report, which I looked at on XX/XX/2022 there are still existing inaccuracies that are showing the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C.

1681 section 602 A. States I have rights to my privacy. 15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

this account was closed due to a major discrepincey with the provider after i lost my phone i was not allowed to file an insurance claim and was told to pay for a completely new device the ceo was contacted and the account was closed now a third party has the account and ive made arrangements directly with XXXX to have this discharged the third party when dealt with can not provide proper debt validation and therefore is in violation of policy of the fcra
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 unauthorized inquires was discovered on my Eperian credit report. When I contacted the creditors Burau listed above, they said " they can't remove the inquires. And said there are no such accounts or inquires on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reinvestigation & Account Deletions To Whom This May Concern, This is the fourth and final notice to correct information reporting to my credit report. There are still multiple inaccuracies on my credit report across each credit reporting agency as of XXXX XX/XX/year> on the following accounts : Discover Student Loans ( Accts ending in XXXX & XXXX ) - billing errors are still reflected on my credit report which is in violation of 15 U.S. Code 1666 ( b ) ( XXXX ) XXXX XXXX ( Accts ending in XXXX & XXXX ) - billing errors are still reflected on my credit report which is in violation of 15 U.S. Code 1666 ( b ) ( XXXX XXXX XXXX XXXX XXXX  XXXX Acct starting in XXXX ) - billing errors are still reflected on my credit report which is in violation of 15 U.S. Code 1666 ( b ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acct starting in XXXX ) - billing errors are still reflected on my credit report which is in violation of 15 U.S. Code 1666 ( b ) ( XXXX ) In addition to those inaccuracies, there should be only XXXX name and XXXX address listed on my credit report, which is as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other name or address that is listed on my credit report is to be deleted IMMEDIATELY. 

Since the first notice of dispute took place in XX/XX/year>, I believe a fair resolution to the matter is to XXXX ) delete all accounts listed above per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Sec 611 ( a ) ( 1 ) ( A ) ( FCRA ), pay {$1000.00} per violation of the FCRA, 3 ) pay {$1000.00} in damages done to my credit report, 4 ) pay {$1000.00} per violation of 15 U.S. Code 1666. 

Non-compliance with this notice is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other federal and state agencies. 

After this has been completed, please send an updated version of my credit report to the address listed above. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX