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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Account Information [ Account Number : XXXX ] Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account. I am not disputing the information provided in my credit report but kindly request the following specific details for my records : Date of First Delinquency Date of Last Payment Date of First Charge-Off This information will help me better understand the account history. Please provide this information in writing to the address listed above. 

Thank you for your attention to this matter. Should you need any further details from me, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Debt collection

The account is not mine, I never had an account with this company and never own any monies to this account especially medical been that I always had insurance
Product: Debt collection

In accordance with the fair credit reporting act Frost - Arnett has violated my rights. 

15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written permission. 

Also medical accounts are no longer being apart of a credit report. They are to give consumers time to work out the matter with the original creditor and insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.
Product: Checking or savings account

I keep getting e-mail messages about my USAA accounts such as the message you see below that arrived in my inbox on XX/XX/2022. 

Notice : We need to verfiy your identity XXXX XXXX USAA Fraud Prevention Dear Customer , We would to inform you that your account looks like has been used by somone, In order to protect your information, We have closed your online access.

Your account is now waiting for Identity Verification process to be restored again. 
Please complete the verification progress as soon as you can to avoid any risk. 
Verify Identity
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/year> replied to an ad on XXXX regarding an estate sale for a few items. The items were posted on the XXXX page of a person I know personally so I was not hesitant to make an offer. I reached out to my acquaintance via XXXX XXXX and agreed to pay {$450.00} for the items. He replied and asked if I used a XXXX XXXX so I could send in a deposit to hold the items. We agreed on using zelle. He informed me he was out of town and that I should sed the money to his cousin ( s ). He gave me the name and phone number of the person to send the money. I attempted to send {$450.00} to the name given XXXX XXXX. Immediately after sending I received XXXX saying the funds were not transferred as part of a security safeguard. Upon receiving this XXXX the acquaintance stated it didn't go through and to try again. Once again another XXXX and it didn't work. The acquaintance told me the amount must be too big to transfer so he requested I send it in payments of {$250.00} and {$200.00}. One again the same XXXX message. So at this point I said I could bring cash. The acquaintance replied it had to be sent electronically to hold the items. This is when I realized this might be a scam. I immediately contacted my bank ( in which zelle is linked ) and tried to hold payments if any actually went through. It was a Friday evening and I could not reach anyone. We finally got through to the bank the next day. They said we might have caught the transfer in time but no promises. Two weeks went by and we received a letter from our bank that all 4 attempted transfer went through for a total of {$1300.00}. I reached out to my acquaintance XXXX XXXX  ( once I tracked it down ) and asked if he was aware of the scam in his name. He said he alerted XXXX several days earlier but nothing has been done. I also reported this to XXXX who finally took down the Scam content late Saturday XX/XX/scrub>XXXX
Product: Credit reporting or other personal consumer reports

Good day! This complaint serves as a follow-up to my initial complaint dated XX/XX/XXXX. I would like to reiterate that per FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report. My report was filed under reference number XXXX. Attached once again are the necessary documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : EXPERIAN : 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 According to FCRA Section 605B ( a ), credit reporting agencies must remove any items in a consumer 's file identified as resulting from identity theft no later than four business days after receipt.
Product: Mortgage

XX/XX/2020 Talked to my lender over the phone, it's I believe the first time I had heard the name of our contact at the title agency. I was told by our lender that he would send over some closing paperwork and that the agent with the title company would be reaching out with information on how to wire our closing costs. 

XX/XX/2020 Received email from what we thought to be our new title company, requesting our cash to close funds, be wired a few days before close so they can clear XX/XX/2020 XXXX XXXX  I wired {$62000.00} too My Title Company, XXXX XXXX XXXX XXXX at Wells Fargo XX/XX/2020 XXXX XXXX  we showed up to sign closing papers, at that time we found out about the wire fraud. We believe XXXX XXXX XXXX XXXX had a breach in their chain of secure information. 

We headed directly over to XXXX XXXX XXXX XXXX XXXX our credit union ) to talk with branch manager. I wasn't happy with his casual dismissal, so when I got home I called their 800 number and spoke with the fraud department a few times. 

While at XXXX XXXX we called Wells Fargo trying to figure out why a wire transfer was accepted for an account that does not exist. We were told by XXXX XXXX XXXX XXXX that they have no accounts with Wells Fargo. I did include a name in the wire transfer, which was on the instructions. However, I only put that name in the notes as an attention too. I figured it was the person in charge of that department. 

XX/XX/2020 I have spent all day on the phone with both bankers. We have received no answer and are told that it can take up to 10 days to even hear anything back. There are three household depending on the stable sale and buy of the home we are under contract for. We do not have that kind of time - for these entities to identify the simple fraud that was committed. 

We humbly ask for any help we can get.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items that have appeared on my credit report .I believe these accounts have been mistakenly associated with my credit profile and are not mines. They are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These items are inaccurate and do not reflect my financial history. I have not had any accounts or dealings with these entities and their presence on my credit report is incorrect .Please investigate this matter and remove these inaccuracies from my credit report immediately. I have a copy of my credit report from both Equifax and XXXX, highlighting the items in question along with a copy of my identification and utility bill for verification .I appreciation your prompt attention to this matter and look forward to your confirmation that these items have been removed from my credit report. A copy of a police report was sent in the mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car through GM financial. I set up auto pay like I have done in the past previously to " set it and forget it '' and not have to worry about payments during the lease. It worked perfectly until the very last payment on the lease. I must have missed the fine print that said that the last payment could not be made automatically. So despite having the money in my account the auto payment system did not perform the last payment. GM financial says they reached out to me to inform me of the late payment, however the emails they sent were classified as spam so got sent to a spam folder and the phone calls were sent from non caller ID numbers. I would answer the phone calls say hello and recieve no response on the other end so I assumed it was a robo spam call and hung up. So I was never informed of this missing payment until I went to go turn the car in or buy it out at the dealership weeks later. I paid the last payment in full as soon as I was made aware. I have tried calling into gm financial support about the issue already 3 times and got different explanations each time. I am hoping this 30 day late payment on my report can be overturned as I feel it is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to investigate fraudulent inquiries on my credit report. I have spoken to several representatives and filed multiple disputes in regards to inquiries and each time Equifax responds and says that the inquiries are a matter of factual record and can not be removed. Under the FCRA guidelines fraudulent information on my credit report must be removed. The below inquiries are related to fraud and need to be removed XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/2022 company was contacted in regards to accounts in dispute. and was requested to remove all incorrect address as the only address should be XXXX XXXX XXXX XXXX ky XXXX furthermore company states that accounts come back as verified by reporter of the information but when advised that company who reported information has failed to respond to request for account level documentation and verification of account company allows information to remain,
Product: Debt collection

This relates to complaint XXXX. After I filed the complaint, I got a letter from XXXX XXXX indicating that the account " was charged off due to delinquency onXX/XX/XXXX. '' The Rodenburg Law Firm falsely represented in court pleadings that it was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX  has already charged off the debt.

The XXXX XXXX  Letter went on to say that the " XXXX XXXX   Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX XXXX ( XXXX ). '' And admitted that " XXXX XXXX  no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself.

Is the sale of an unsecured debt legal AFTER the creditor ( in this case, XXXX XXXX XXXX XXXX ) has ALREADY written off the debt for tax purposes?

At any rate, XXXX XXXX of the Rodenburg Law Firm ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX XXXX, according to itsXX/XX/XXXXletter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX  and the Rodenburg Law Firm. When I left a message with the Rodenburg Law Firm about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the Rodenburg Law Firm is committing fraud on the court and making false representations in pleadings.

And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded.
Product: Credit reporting

This dispute and investigation is for Experian Credit Bureau. I had XXXX accounts with XXXX XXXX Bank as a XXXX. These cards were opened at separate times, XXXX in the XX/XX/XXXX XXXX and the other in XX/XX/XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. Experian has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with Experian that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. Experian also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX Experian reported the same XXXX accounts as being current late payments that went from XXXX days, to XXXX days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can Experian not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they XXXX be removed once and for all! I am also disputing the fact that they have Enhanced Recovery reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed Experian keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that AD Astra Recovery would verify the debt. So I took it upon myself to ask AD Astra Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

I received a demand letter from XXXX, XXXX and XXXX XXXX. in XXXX, regarding a auto loan with ford motor credit-I took out a auto loan with Ford and was told by the dealership that it was a requirement from ford that I had to have an extend service contract. After finding out that this was wrong and a fraud loan, I sent back the car to ford-and I was working with them while they were suppose to be investigating the dealership. I sent them out a validation letter requesting : 1 ) since they are the law firm representing Ford, what was the results of the investigation. 2 ) Per the contract, I signed with Ford, I agreed that the contract will be governed by the laws of the state of Kansas-How were they able to sue or collect the debt under the laws of Oklahoma. They did not answer these questions-they just sent me back my contract with Ford, and a letter stating what I owed. Also, I was looking at my credit today, and found an inquiry from this law firm, requesting my credit-I did n't sign ANYTHING, that allows them to checking my credit. At this point-I have tried to contact the law firm and I get nowhere-I would like them to send this account back to Ford, where I can deal with the balance owe directly and get the answers that are owed to me. And I want the Inquiry and any credit reporting removed from credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I requested my bank ( XXXX XXXX, XXXX CA ) to transfer {$30000.00} to my bank account in XXXX ( XXXX XXXX ) where I am living and unable to return due to the travel situation. The {$30000.00} was debited from my account on XX/XX/XXXX, and has still not been received. This same transaction request with the same institutions have been made over the last 8 years with frequency and the process takes an average of one to two business days. 
XXXX XXXX has not been able to find my funds and XXXX XXXX claims it is the responsibility of the sending bank. The transfer bank is apparently B of A. I have correspondence between myself and my two banks. I have the wire numbers. I have the statements from both banks that there is nothing they can do? 
I am in a critical financial position at this time and without these funds will risk high fees and possible eviction. 
Thank you for any action that may be taken to locate my funds.
Product: Money transfer, virtual currency, or money service

XX/XX/year> TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Complaint Regarding Unjustified Check I am writing to formally express my dissatisfaction with TD Bank regarding the prolonged and unjustified hold placed on a check I deposited on XX/XX/year>, in the amount of {$2800.00}. Despite the standard check hold period of 3-7 business days, my funds have not been made available, and I have not received any valid explanation for this delay. 

I have contacted your customer service department on multiple occasions and have not been provided with a clear or reasonable justification for this extended hold. According to federal banking regulations, funds from a deposited check should generally be made available within the standard timeframe unless there is a legitimate reason, such as suspicion of fraud or an issue with the issuing bankneither of which apply in my case. 

This delay has caused me undue inconvenience, including missed payments and maintenance fees. I request immediate action to release my funds and a formal explanation for the extended hold. If this issue is not promptly resolved. 

I expect a written response to this complaint within five business days and a swift resolution to this matter.
Product: Checking or savings account

In addition to complaint # XXXX. 
My original complaint where I deposited a check from my old boss that he gave me to repay a loan. {$6700.00} On XX/XX/year> @ XXXX XXXX. 
They said it would be available the next day. 
It was. 
I went to bank and got a cashier 's check for {$250.00}, {$5.00} fee, and {$6200.00} cash. 
On XX/XX/year> @ XXXX XXXX. 
Leaving XXXX to pay some credit card payments. I went about my weekend. 
On Sunday I saw an email and thought I was looking at my deposit I later read my bank messages on my mobile app and found that after the {$6700.00}. Had been cleared into my account, it was a stop PO payment. This was XX/XX/year> @ XXXX pm. 
My XXXX credit card payments since then were returned unpaid, the cash I left in my account disappeared and now on XX/XX/year>, My {$980.00} social security check has also disappeared. I I contacted Social Security right after the bank fraud, and they changed dd to my other bank but could not stop the payment. And I have incurred double the fees for my credit card payments that Wells Fargo also took.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.