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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows :
Product: Credit card

As shown in my prior complaints against Barclays, they resisted my closing my account and continued to accept charges against a closed account. They ignored my requests many times so I filed a complaint with CFPB. After a lot of time, they acknowledged their mistake in a letter from The Office of the XXXX. 

Since then, as recently as last week, they incorrectly reported my with a {$7.00} delinquent month. No other account I have ever had has ever had a late month. 

This dropped my credit score with all XXXX CRAs and complicated my buying a new car. 

They are incredibly incompetent or intentionally sabotaging my credit to harass me because I closed my account. 

Do you have some penalty you can enact to punish them for egregious repeated harassment of a consumer?
Product: Money transfer, virtual currency, or money service

I purchased a CAR from the company and they told me to do the wire transfer, I went to the bank, and the cashier helped me to do the transfer, and I was supposed to received my car 10 days later since nothing has happened and that company doesn't respond, I contacted my bank about this issue and the police. 
I went back and forth with my bank, they told me to file a complaint with the other bank that received the transfer and they said it would take up to 90 days, but last week my back sent me a letter saying my request was denied and they will not refund me because I authorize the transaction the amount was {$19000.00} and it was on XX/XX/year> here is the police report # XXXX
Product: Credit reporting

I contacted Experian over the telephone to discuss an item which was on my credit report.The item in question is State of Michigan Office Child Support, I originally talked to one of their customer service reps about this item and they had stated that this item was placed on my credit report due to lack of payment which I am not disputing I was sick I had XXXX and I did not pay for two to three months this was XX/XX/XXXX.How could this still be on my credit report. When I viewed my credit report it states that the payments begin becoming late XX/XX/XXXX and XX/XX/XXXX that is incorrect I have paycheck stubs to prove that during this time they garnished my wages for the amount due for the weekly child support.So in fact if it is XX/XX/XXXX it has been on my credit report for over 12 years which I can prove and it should be deleted immediately.
Product: Credit reporting or other personal consumer reports

my account XXXX was never late i had exceptional payment with history with XXXX XXXXXXXX and all payments were placed on autopay. this late payment that is reporting is a result on a systematic error processing my payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$6200.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if 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

Please be advised that I am fully aware of what is being reported on my consumer report. However, the response to the investigation was merely repeating what I stated in my initial request. Your response did not remedy the issue, nor did it respond to my concern about inaccurate reporting. With Wells Fargo being a fair and responsible lender, I expected your financial institution to do what was fair, and responsible by removing the inaccurate account from my consumer report.
Product: Credit reporting 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. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like all my hard inquiries removed from my credit report due fraud and federal violations using 15 usc 1681
Product: Credit card or prepaid card

On XX/XX/XXXX ( 2 days after my paycheck auto deposited ) 3 transactions were made without my knowledge, depleting my account. My employer, XXXX XXXX, uses GlobalCashcard/XXXX for paycheck purposes. 

This was on a newly issued card, because the month before ( in XXXX ) a similar fraud took place. ( On the XXXX incident the bank acknowledged the fraud, refunded my money into my account, and issued a new card. ) These were the transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} I reported the fraud next day on XXXX XXXX. This time the phone personnel treated me with impatience, and on subsequent days several times hung up on me. 
Case No : XXXX On XX/XX/XXXX ADP XXXX XXXX  sent me a resolution letter, stating that they found these transactions normal and no refund will be issued. 
( from ADP XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX It is this negative resolution that prompted me to turn to you with a complaint. 

I list below the fraudulent transaction from the month before, because there may be a pattern in the locations and the timeline right after pay day. 
( These XXXX charges were credited back to me, and are not part of my current problem. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX Atm Transaction Fee XXXX {$3.00} XX/XX/XXXX Atm Transaction Domestic Fee Adjustment + {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed my late payments as well as sent out letters asking for goodwill help on removing these lates as they are dramatically hurting me financially and emotionally. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may to treat a payment on a credit card account under an open ed consumer credit plan as late for any purpose.
Product: Checking or savings account

I opened an Ally Savings Account on XX/XX/2020. After going connecting my external XXXX XXXX XXXX Account and verifying the trial deposits, I was given the all clear to transfer funds between the two accounts on XX/XX/2020. 

On XX/XX/2020, through Ally bank, I initiated a transfer of {$9300.00} from my XXXX XXXX XXXX Account to my Ally Savings Account. XXXX XXXX shows the money was pulled from the account on XX/XX/2020. On XX/XX/2020, I noticed the money still has not showed up on my Ally account and my linked XXXX XXXX XXXX Account was suspended by Ally. 

On XX/XX/2020 I called Ally and spoke to a supervisor named XXXX to inquire about the issue and was told this was due to a name mismatch between the two accounts. I asked that the money be transferred back to my XXXX XXXX XXXX Account while I resolve this issue. Ally told me they have the funds but can not return the money due to an issue on their back end and that I would need to dispute this transfer with XXXX XXXX. I called XXXX XXXX and they told me they can not dispute a transaction that I authorized and since Ally is holding the money, it would be up the Ally to resolve this. 

I called Ally back but was given a runaround with no resolution. They are still holding {$9300.00} of my money
Product: Credit card or prepaid card

XXXX changed credit card companies from XXXX XXXX to XXXX XXXX XXXX. My XXXX  was used to pay a monthly payment of {$14.00}, which I stopped with the XX/XX/2021 billing date. Barclay stated that the XXXX could no longer be used starting on XX/XX/2021. Barclay shows a charge of {$14.00}, dated XX/XX/2021, which was not authorized or made by the merchant. Payments from this merchant have been transferred to XXXX XXXX XXXX. 
I have spent over 10 hours trying to reach Barclay Customer Service and reach a relationship manager. This has proved impossible. There seems no way of reaching them, and I need assistance to resolve this problem.
Product: Debt collection

In accordance with the fair credit report act. The list account below has violated my federal protect the consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account name # midland credit management # XXXX 15 US C 1681 section 602 ( A ) state I have the right to privacy.

15 USC 1681 section 604 a section 2 its also states and consumer report agency can not furnish a account without my written instructions.

15 USC 1681C section 5 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 USC 1681 s 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

I see that TransUnion has removed XXXX XXXX XXXX off my consumer reports and it is proof of my claim but has not yet compensated me for the actual damages cause and also the violations. If can't resolve this issue, then I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages.
Product: Mortgage

On XXXX XXXX in a formal letter Shellpoint Mortgage stated that they were aware that they should report my payments to the Consumer Reporting Agencies. The company still refuses to report my payments to the credit bureau. After I requested that my payments were not being reported they sent letters to accelerate my payments. I am current on my payments as of today XX/XX/2020 and have sent numerous emails with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had on my report that XXXX XXXX was going to be removed from my report this XX/XX/2022, however it continues to be on my report when it was supposed to be removed off my report.
Product: Credit reporting or other personal consumer reports

XXXX has incorrectly reported my payment info for years affecting my ability to get credit.
Product: Credit reporting or other personal consumer reports

My credit report has several late payment errors that don't match my usual payment track record. I request a correction and account update. Thanks!
Product: Credit reporting or other personal consumer reports

This is a formal complaint concerning the inaccurate and incomplete information that has been reported on my credit file by Equifax, which I initially raised with them on XX/XX/XXXX, [ XXXX ]. Despite my concerns, the matter remains unresolved. I am requesting the Consumer Financial Protection Bureau 's assistance to address these issues under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I forwarded a letter to Equifax regarding the following accounts, which have been inaccurately reported and appear on my credit report : XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the right to dispute inaccurate or incomplete information on my credit report. Specifically, FCRA Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies investigate disputed information, typically within 30 days, and correct any inaccuracies or incomplete information. My efforts to resolve this matter directly with Equifax have not yielded any meaningful action or correction.

Furthermore, Section 602A of the FCRA ensures that consumer reporting agencies maintain accurate, timely, and complete credit reporting. By continuing to report inaccurate account information, Equifax is in violation of my rights under this law. 

Despite my timely submission of the dispute to, Equifax the listed accounts still appear with inaccurate information, which is severely affecting my credit score and financial well-being. The lack of resolution from Equifax regarding these accounts is causing undue harm, and I am requesting the CFPB to assist in enforcing my rights under the FCRA and ensure the inaccurate information is properly addressed.
Product: Debt or credit management

Subject : Unauthorized Handling of My Credit Dispute by Credit Glory To Whom It May Concern, I am writing to formally document and seek assistance with an issue I encountered regarding an outstanding debt dispute listed on my credit report. 

On XX/XX/2024, I contacted the phone number provided by XXXX XXXX to dispute or pay off an outstanding debt. During this process, my call was intercepted by XXXX XXXX, a company I mistakenly believed was part of the authorized dispute resolution process. 

Five minutes into the call, Credit Glory representatives requested payment, stating they would negotiate a settlement with the creditor and remove the negative mark from my credit report. On XX/XX/2024, I paid {$190.00} and {$79.00} as instructed. They informed me that these charges would cover the dispute process. However, I was further advised that if the dispute were not resolved within 30 days, an additional {$99.00} would be charged to me on XX/XX/2024. 

Subsequently, I received correspondence from XXXX XXXX stating that Credit Glory is not authorizedand never has beento communicate or handle disputes on my behalf. This has raised concerns about the legitimacy of their practices and their failure to act as a properly authorized intermediary. 

I feel misled and taken advantage of by Credit Glory, and I am seeking guidance on how to recover the payments made to them and ensure that my credit dispute is resolved appropriately. 

Please let me know the next steps I can take to rectify this situation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX or XXXX I do have proof of the charges to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer and knowing my rights based on 15 usc 1691a ( e ) and ( f ) they have violated and continue to violate my rights and personal lifestyle with demanding calls and numerous demanding and threatening letters through the us postal service.Its has gotten to ah point were I am afraid to even answer my own phone at times.
Product: Consumer Loan

Line of credit loan. Will not or can not send invoice. When I contact bank they all tell me different reasons. If I do not remember and do not send loan payment in time they will charge me. Some months I get invoice some I do not. Blame it on recent merger with B B & T Bank. Happened before the merger also. Tired of calling. They need to be responsible enough to send invoice and not make me call each month. They also tell me different places to send it. Also not very pleasant when I call either. Please do something. Tired of banks doing what ever they want.
Product: Debt collection

Ive been out of work due to being sick and Ive told the representative numerous times that. He proceeded to keep pushing the issues that payments need to be made and I have knowledge of that. He repeatedly kept cutting me off when we spoke and when I said I couldnt make any payments he the. Said his client would be in my county to take the items back. This was rude and honestly Im appalled at the level of professionalism. 

The collection company name is Atlantic recovery XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2024, I did a wire transfer of USD XXXX into my Wise account from my XXXX XXXX XXXXXXXX Checking account This wire transfer is to allow me to remit money in XXXX XXXX to my Uncle in XXXX to facilitate his home buying. 
I initiated XXXX transactions in Wise - one for USD XXXX and another for USD XXXX Wise transferred USD XXXX successfully to my uncle and dropped me a note that they will initiate a process to refund USD XXXX and asked me to input my account information Initially, i had a typo in my account information and the money was returned to Wise. They have not provided any details on the transfer or what went wrong, etc. I had to call the to figure out what is going on at their end. 
I corrected the account information and asked them to resubmit the refund several times since then. Every single time, the money keeps getting returned Since then I have called their customer service dept several times, spoke with several folks in their team - some of them are plain rude and dont understand the gravity of situation and flat out hung up. I have also provided all documents requested to the best of my ability and availability. I even sent detailed emails explaining them the issue, expected resolutions, etc. 
They failed to resolve, escalate or involve appropriate teams or personnel even through they keep telling me that they have escalated the issue Their process is very obscure to the fact that the customer doesnt have an idea of what is going on in the backend. 
It is close to 18 days since the transaction has happened and there seems to be no line of sight into when Wise will be resolving my issue. 
It is really frustrating experience. The money was supposed to be helping my uncle with his home purchase and now we are scrambling last minute to find other avenues. 
I sincerely request you to take Wise to task and establish accountability with their team and organization. 
I would appreciate if their team is forthcoming with their processes, issues, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Very easy to see that these accounts are inaccurate. I am really disappointed that a Proper investigation was not done, and these inaccuracies are continually report after my request for an investigation. In Accordance with the Fair Credit Reporting Act, my request for a line by line investigation of the following accounts that could not have been done correctly. I am Really, Really upset because my credit report is still incorrect. These accounts Can not " Meet requirement of the Fair Credit Reporting Act '', as stated in your response to my complaint because I have accounts being reported as closed, when the accounts are continuously show as open month by month. The following accounts violated my federally protected consumer rights : XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX  XXXX XXXX Account XXXX XXXX XXXX and XXXX XXXX  Account # XXXX XXXX In 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( a ) Reinvestigations of Disputed Information, ( 5 ) Treatment of Inaccurate or Unverifiable Information, and ( D ) the Automated reinvestigation system states that Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. This was not done with any of my accounts. These accounts do not show that a proper investigation was completed, nor are the results accurate and fair credit reporting. My federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

Dear TransUnion, I am writing to dispute the accuracy of information on my credit report related to an account with XXXX XXXX The information on the report is invalid and incorrect, including the date the account was opened, last name, and statute of limitations to collect the debt. 
I have previously reached out to the furnisher of the account, but they have not yet admitted the claim or provided any evidence to support the information they reported. Therefore, the information related to the XXXX account violates the following section of the Fair Credit Reporting Act ( FCRA ) : * Section 611 ( a ) ( 1 ) ( A ) - the information being reported is inaccurate I demand that this inaccurate information be removed from my credit report immediately, as it is negatively impacting my creditworthiness and ability to obtain credit. I have attached documentation that supports my claim, including evidence that I have not received any communication from the collection agency or any documentation to verify the claim. 
Please investigate this matter and update my credit report accordingly. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX