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

This communication serves as an effort to rectify inaccurate information that has been reported in my credit report by your organization. I have recently been denied credit due to the presence of inaccuracies in the information you have published. The specific accounts in question are detailed below : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I want to underscore that I did not provide written authorization or instructions for the inclusion of these particular transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and expunged. It is imperative to emphasize that this request is not made erroneously, nor is it based on any misrepresentation of relevant facts pertaining to the request for blocking these transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX 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 XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. 
Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I received my social security number like 5 weeks ago I told them this account could not be my
Product: Checking or savings account

WesBanco let mine checking account get {$2000.00} in the negative. How is a bank even allowed to do that? I was charged over draft charges & insufficient fund fees & also sent a check back on me. I closed out my account & did bother to dispute the charges. I would have had to pick my checking account open
Product: Vehicle loan or lease

Hello, I have an emergency, I dont know what to do my car was taking repossessed in morning on XXXX XXXX XXXX XXXX XXXX license plate XXXX bought from XXXX XXXX XXXX and the loan company First Texas Auto Credit approved the loan for {$13000.00} Current balance {$6400.00} Ive been trying to get my car back from the repossession company by going through the creditor and they basically to me I was 54 days behind on my payment I would have to resubmit 10 new references and proof of employment, insurance and {$1600.00} and in cluding storage fees, my car note is only {$37000.00} a month they on only had possession for a day and a half why is itt so high but I wasnt going to be difficult about Ill pay it, she then advise me after I give her everything she ask for, theyll contact me me later to tell me their decision if I getting my car back, now its been day six and I still havent heard a thing from them or even given access to the car to retrieve personal property very important and expensive things are in our car my wifes and I have never been late on the notes but this on, car needed some repairs done we gon na pay the remaining balance soon we gotten our taxas back, Thank you, Please stop them from bullies us XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Yesterday. arepresentative from XXXX XXXX XXXX contacted me regarding several complaints filed against me. He said that I had two felony counts, one being check fraud. I told him that I would not pay anything without written notice of the debt. He went on to say that this is my only chance to resolve it and if I didnt want to talk to him then they can proceed further. Said that they would contact my employer. I told him that I do not give him permission to contact me or my employer without proof that the debt was owed. I received a voicemail today threatening to contact my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My visa card with a {$4400.00} limit is reporting twice on my equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting late payments on my credit report that are incorrect, all 3 credit bureaus are non cooperative in getting the proper information and have not showed me any proper investigation and or reports from the creditor showing that my payment was late, I have an outstanding credit history and to to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score.
Product: Debt collection

XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number, I answered and told them to stop calling and I enrolled in XXXX. 

XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back
Product: Checking or savings account

On Sunday, XX/XX/2022, I was made aware of eight fraudulent charges placed with my debit card to my checking account with Ally Bank. The total of these charges came to {$970.00}. 

My Ally debit card has been " locked '' from use via their app for several months, but somehow these charges all went through and drained my checking account for almost {$1000.00}. 

I contacted Ally Bank on XX/XX/XXXX and opened a dispute on two of the charges that had already posted to my checking account. 

As of today, XX/XX/XXXX, all eight charges have posted to my account and I've disputed all of them. Only three of these fraudulent charges have been credited back to my account. I'm still out {$570.00} and waiting to be credited. 

This has been a frustrating experience compounded by Ally 's increased phone support wait times consistently being above 60 minutes. A quick search on online forums show I'm not the only customer that's recently experienced multiple fraudulent charges, and yet Ally has remained silent and not acknowledged that a good number of their customers have been impacted. 

I've been with Ally for over 5 years, but in this case Ally has been no ally. It's definitely time to look at other banking options.
Product: Debt collection

My husband had a medical bill and I thought it was paid when we sold our home with the closing costs. DCI of North Dakota hired an attorney and they cleared out my whole bank account yesterday. I tried to speak with them but she would not listen to me. She told me it was my problem not hers. I drive 500 miles a week for work and that was the living money they took. Now we do not have a dime to our names. She was very rude and I do not know what to do. I am to the point of selling everything we have to get to the next payday since my husband is laid off and we do not know if he will get unemployment yet.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have a letter from the FSA dated XX/XX/year> that says the following :. 

We have carefully reviewed your application for borrower defense and determined that any loans that may have been eligible for discharge related to your enrollment at XXXX XXXX were previously cancelled or discharged.

Yet this continues to remain on my credit report regardless of how I try to get it off. The only XXXX loans I've ever had were from XXXX XXXX XXXX which, due to scamming myself and others ( verifiable by just doing a simple XXXX  search ), changed their name to XXXX XXXX XXXX This should be removed from my credit report. Not only did XXXX XXXX withhold my XXXX  because they said I needed to pay my XXXX loans in full, but they lied to get me in the door. They specifically said they had a work placement department that would get me interviews with companies in my related field, which was XXXX XXXX XXXX XXXX Well, the only thing they had for me was XXXX XXXX XXXX XXXX XXXX XXXXo which I said the only reason I went with your school was because you said I would get interviews for jobs in my field as I got close to XXXX 

This is where the loan originated, and whether it was bought, sold, or refinanced doesn't matter. It's with XXXX now, but the FSA said it's discharged, and I want it removed ASAP. I have documentation if needed.
Product: Debt or credit management

{$1800.00} XXXX XXXX XXXX XXXX XXXX. 4 payments 4 Payments made and requested update but no response by phone or email ( ghosted )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an AUTHORIZED USER on a XXXX XXXX credit card. I never made a single charge on this account. I disputed it with the three bureaus but Equifax left it on my file. This is a violation of my rights under the Fair Credit Reporting Act. I do n't have the complete account number since I obviously never had a card. But the partial account number is XXXX
Product: Checking or savings account

- I opened a 12 mo CD with Marcus Goldman Sachs on XX/XX/2020 for XXXX - On XX/XX/XXXX I called Goldman Sachs to close the account and move the money back to my XXXXXXXX XXXX account - The customer service person and supervisor both told me that my CD that matured on XX/XX/XXXX was rolled into a new CD at a much lower rate and I would have to pay a penalty if I closed the CD and moved the funds back to my XXXX account - The penalty is over {$600.00} so I asked them to waive the penalty as I was unaware of the rollover to a new CD - XXXX GS siad they would not waive the fee - I wasn't informed of the automatic rollover to a new CD - I wasn't asked to accept the new CD rate - The language in the letter XXXX sent in XXXX does not clearly describe what we needed to do to keep the CD from rolling into a new CD or that there would be panalties with this new CD
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past two years, I have reached out to the credit reporting agencies to correct errors on my profile. They have not been very helpful with removing unverifiable items, which they continue to post to my profile without doing a proper investigation. XXXX is not showing any of the accounts the other two are showing, and all information on my credit needs to be accurate. I dont have student loans but they are posted as collection accounts on XXXX and Experian. Ive sent out 3 different letters to them, certified mail and havent received a response. My most recent letter was sent on XX/XX/XXXX, the letter before that was sent in XX/XX/XXXX.
Product: Debt collection

I am writing to dispute inaccurate information on my credit report that is adversely affecting my creditworthiness. According to my recent credit report, there is a late payment entry on my account, which is inaccurate and misrepresents my credit history. 
I have carefully reviewed my credit report and have identified the following inaccurate information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am a responsible and diligent consumer, and I have consistently made timely payments on all my accounts. The reported late payment is not only erroneous but also severely impacts my XXXX XXXX. As a result, it hinders my ability to qualify for favorable loan terms and opportunities, which is particularly concerning as I am currently seeking to open a new loan account.
Product: Credit reporting or other personal consumer reports

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 an XXXX user by the name of XXXX XXXX asked me, a XXXX XXXX and XXXX XXXX, to create a birthday song for her son for {$500.00}, and asked to send a {$200.00} deposit. I agreed, and she claimed she got a check made for {$2000.00} by accident and would not be able to get another check for a month, and though I asked, On XX/XX/21 an XXXX user by the name of XXXX XXXX asked me, a XXXX XXXX and XXXX XXXX, to create a birthday song for her son for {$500.00}, and asked to send a {$200.00} deposit. I agreed, and she claimed she got a check made for {$2000.00} by accident and would not be able to get another check for a month, and though I said I can wait until the full {$500.00} payment, and I can wait until a {$200.00} payment can be officially made out. She responded, I cant deposit another check, and its already been made out. I then deposited the check and she requested the {$1800.00} sent back via Zelle. I then Zelled the money back and later found that a negative balance was in my account for the first time. Then learned after 7+ hours on the phone with XXXX XXXX  and a 4 hour phone hold, that Zelle can do nothing because Zelle has a zero-recovery ability for fraud. Meaning {$2000.00} was scammed from my account and my bank can do absolutely nothing to replace this. I have screenshots and proof of all the conversations, even though XXXX XXXX was able to delete many of the initial messages, including her initial message to me and all the details involving how she wanted the song made. What was left, however, was her Zelle requests.
Product: Bank account or service

I paid my mortgage via the banks online payment system with the amount of XXXX got the confirmation number provided on XXXX XXXX. The payment was supposed to be withdrawn on XXXX XXXX. Somehow the bank cashed my check but it was never paid to the mortgage Co. I contacted M & T bank regarding this issue and they said will investigate and give me my refund. I had to pay the mortgage company a second payment via telephone. 
They kept on charging me overdraft fees for NSF. Actually the funds were never returned and everything fell apart. In XXXX 2015, they refunded my money but they flatly refused to refund my overdraft charges. I just want to know why did it take so long to refund my money. They refused to answer my questions and refund my overdraft charges ( XXXX x XXXX )
Product: Credit reporting or other personal consumer reports

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected account : ACCOUNT NAME : XXXX INPUT ACCOUNT # XXXX BALANCE {$770.00} I have previously submitted a detailed report of identity theft, along with supporting documentation. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file.

Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law. 
I kindly request that XXXX, Equifax and XXXX conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2025 I tried to use my XXXX  account to add another bank account of mine, and then to pay for a delivery service order, and they flagged everything as suspicious and subsequently suspended my account. They asked me to confirm my identity, I sent them photos of my identification the same day. On XXXX XXXX I received an email that I had billed their policies, though having done nothing other than use the app, and they deactivated and banned me from the service. They claim they made it so I can get my funds from the app, however I can not, it gives an error every time. This app holds entirely too much power over our money, and deactivates people whenever they feel like it. The email they send clearly states they will not give any information to you on what was violated and why they deactivated your account.
Product: Checking or savings account

On XX/XX/2023, someone opened an Bank of America XXXX XXXX Banking Account under my name, without my permission. 
This is the second time this happened. 
And it got approved this time. 
When I called the fraud department, they start to argue with me over the phone.
Product: Student loan

My bank XXXX sends my student loan payments automatically every month to Mohela, it has been setup this way for a few years. This year Mohela has stopped processing the checks in a timely manner or in the case of these past 2 months worth of checks they are not depositing them at all. 

Calls to Mohela are pointless with hours long waits and representatives unsure of what to do.
Product: Checking or savings account

Got emails about an account creation at an old address. ( XXXX ) XXXX was the number associated with the account. Not my number and I haven't lived there for a decade and I have never used that company.