23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Checking or savings account

Citi bank has been overdrafting my account with XXXX and regular transactions I've been monitoring my account and any transaction that's in pending status after it's fully cleared some how my account is always negative when in fact that XXXX transfers do not go through if your account is nevative or does not have enough to cover the amount you are requesting to send CITI bank is stealing customers money and trying to cover it up by rearrange your transaction history
Product: Mortgage

Mr. XXXX XXXX, CEO Specialized Loan Servicing XXXX XXXX XXXX. 
XXXX XXXX, CO. XXXX XX/XX/2019 Dear Mr. XXXX : An SLS employee who took my phone payment, inadvertently entered the wrong amount. Instead of her entering my regular monthly payment of {$2800.00}, which I made clear to her that I wanted to pay, she entered the amount of {$2000.00}. I made my payment on Friday XX/XX/XXXX, but did not learn of the mistake until I checked my bank record on Monday XX/XX/XXXX. I saw where SLS made an error and I immediately called to make sure I had my payment in before it was over 30 days late and reported to the credit agencies. To my dismay, I was informed by another SLS employee that the amount that was short ( the {$800.00} mistake made by the SLS employee on Friday ) would be reported over 30 days past due. 

I can not afford to have my credit score impacted by this error made by SLS. My wife and I are involved in a number of financial negotiations right now and need our credit scores left intact.

My hope is that SLS find a way to address the issue and not have your employee mistake ruin my credit score, especially at this time. Can you assure me that you will rectify this error expeditiously? 

Please keep me informed on your course of action. 

Sincerely, cc XXXX XXXX, SLS Customer Care Manager ; XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I noticed fraudulent charges ( {$6200.00} ) on my bank 's checking account. Their computer declined the payment, however, when I called the bank, the customer service rep said they can't stop those charges, and they will go through in the night and be withdrawn from my checking account which they did. She said to call back in the morning, and then I can start a fraud case. So I now wait up to 30 days she stated for an answer or a refund. It wiped out my checking account, so I couldn't pay bills. This is PNC bank. The first rep told me that PNC would not release the money until the company trying to withdraw them proves it's a legit charge. So now I am screwed and PNC could care less. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the creditor to refrain from reporting any personal or financial information to credit reporting agencies without my consent in accordance with consumer protection laws specifically invoking my right under the fair credit reporting act FCRA. Creditor is reporting information without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting my complaint to you through the CFPB regarding the presence of fraudulent items on my credit file. This is the twelfth time that I have attempted to dispute these inaccurate entries, and I am becoming increasingly disappointed and frustrated with the lack of progress that has been made thus far. Despite my diligent efforts to rectify this situation, it appears that my concerns are not being taken seriously. It is important to note that, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any fraudulent or inaccurate items on my credit file. According to Section 605n of the FCRA, credit bureaus are required to promptly remove any information that is found to be incorrect or can not be verified. Despite providing extensive evidence and documentation, these fraudulent items remain on my credit file. I am requesting that you remove hte following items immediately : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX, XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX The presence of these inaccurate entries has had a detrimental impact on my credit score, creditworthiness, and overall financial well-being. This is unacceptable, particularly as I have worked diligently to maintain a positive credit history. I should not be penalized for something that was not my fault.
Product: Debt collection

They call all hours and every family member and people known to me and disclose my personal info. They are rude and abusive on the phone and make threats
Product: Mortgage

I have repeatedly requested my loan payment history and a copy of my entire loan servicing documents from my account with Bank of America. I believe they have not accurately recorded all of my payments over the duration of my account since XX/XX/1992. They repeatedly refuse to provide me with these documents or provided a limited amount of documents as the documents will prove that they have not recorded all of my payments accurately and my loan should be paid off by now. I also need to review all of my loan servicing documents since the inception of my loan. I have requested these documents via certified mail and was told they would provide the entire document request within 30 days on 2 occasions and they have failed to do so. They are breaking the law. I have also went into several bank branches who have told me they can not provide it as well as phoned on multiple occasions with this request.
Product: Credit card or prepaid card

I will disclose further details if or when necessary, however, I sent a few payments to an unknown individual using my PayPal cash card. The payments were for an introductory meeting/payment for my security deposit and first night rent of the home I was negotiating to stay in. I discussed the details of my business and what other services I might be able to help her grow her business with, but essentially the agreement was my payment to her for security deposit and 1 night stay at her residence until further " lease '' terms were intended to be negotiated. 

The woman in question is not my associate, nor have we ever met in person, but after convincing me to send one payment after another I had sent several payments to cover the deposit and " rent '' for the night as well as negotiated a meeting to discuss business ventures. 

However, after multiple successful deposits sent to her from my paypal account I was given a physical address to meet in person and was blatantly lied to. The woman never answered the door, the house appeared to be vacant and I even jeopardized my safety by spending money i could not afford to cover my shelter cost for the evening. 

I tried to dispute these charges and transactions with PayPal with whom, I have had my account active since XXXX and almost NEVER have I filed disputes. My dispute including the following : " This person scammed me into a few payments that were supposed to be for a deposit on a rental of a house and they never delivered what they promised me whether I made several payments they demanded upfront '' However, they responded a few days after disputing said charges with the following comments : We've closed this case as our review showed that this transaction was processed correctly and an amount of {$50.00} USD was successfully transferred to the XXXX on XX/XX/XXXX at XXXX XXXX  XXXX. 

Transaction ID 's Transaction ID XXXX ( {$52.00} ) Transaction ID XXXX ( {$100.00} ) Transaction ID XXXX ( {$52.00} )
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I was informed of a virtual assistant job opportunity through my XXXX XXXX email from XXXX XXXX XXXX, a law professor. XX/XX/2023 I responded and forwarded my resume to XXXX XXXX. XX/XX/XXXX I was officially hired by XXXX. XX/XX/XXXX I was sent instructions by XXXX that included making a donation on behalf of herself to XXXX XXXX XXXX for XXXX dollars. I was emailed a check and informed to mobile deposit it. XX/XX/XXXX Truist made the funds available and I was informed to purchase XXXX XXXX gift cards and send the codes to the foundation. Before purchasing the gift cards a called the Truist branch at the XXXX XXXX and informed them of what I had been asked to do and questioned if the transaction would be okay. I was told there didnt seem to be any issue with making a purchase of this manner. I made the purchase and sent the gift cards later that day. I was then instructed to deposit a second check for {$1400.00} in order to make a second donation. The funds for this second check were never made available. XX/XX/XXXX I was informed by Truist that both checks were fraudulent. XX/XX/XXXX I went to the Truist branch I had originally called to dispute the transaction since they had wrongfully advised me. I spoke with the branch leader and he said that his bankers were new and this was why they had advised me poorly. XX/XX/XXXX my dispute was denied. XX/XX/XXXX I returned to dispute the transaction for the XXXX again. I also asked to dispute the overdrafts fees of more than XXXX dollars that had been applied to my account. XX/XX/XXXX I was denied again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a HELOC on XX/XX/2022 with a financial institution, when I was denied. When I requested my credit report I found over 4 unauthorized Inquiries on my credit report. ( 2 ) from XXXX dated XX/XX/2022 and XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022. I contacted all of the creditors also the 3 major credit bureaus, Experian, XXXX and XXXX that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or Police report. Along with providing a copy of the CFPB, copy of my license and a proof of address. As of today XX/XX/2022, I have not gotten any updates or satisfaction. So on XX/XX/2022 and XX/XX/2022, I repeated the process again. All 3 bureaus told me to get a statement form either the CFPB, FTC or Police. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy mailed to my house yet. But the bureaus keep posting that it was either updated or verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is in violation of violating consent and my privacy in distributing unauthorized and incorrect information on my behalf. They have been unfair, partial and irresponsible with my personal information that was not authorized by me. 
In fact, after reading recent congressional findings EQUIFAX has demonstrated that they are in fact representing themselves as a financial institution by association. In turn they have been irresponsible with my personal information and it was redistributed with out my consent and involved XXXX a breach. 
I demand that they cease and desist any further unauthorized distribution of my personal information. It continues to damage my ability to conduct my personal and financial business.
Product: Checking or savings account

I have a XXXX XXXX XXXX  credit card through XXXX XXXX My name is XXXX XXXX XX/XX/1993, my previous XXXX number XXXX XXXX XXXX XXXX. This has been on going for months & It was brought to my attention that a checking account with chase which does not belong to me has been being charged. XXXX XXXX refuses to chargeback that card unless the owner of the account charged files a dispute with their bank which is chase. i did not authroize those card payments nor did the person whos account it is. XXXX XXXX basically told me i have to take it up with the persons bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXX credit card. XXXX was my pervious case XXXX who was VERY good with XXXX XXXX It has been on going for months now & i have yet to have a resolution. I tried to be patient but it has been months & they only contact me if i reach out first. The person whos account it was has made a cfpb case against XXXX XXXX as well & they refuse to help her get the money back into her account because she is not a XXXX XXXX customer. Her case XXXX was XXXX XXXX who also has my info ) & the case number is XXXX. The person who's account was being charged is XXXX XXXX. We are trying to get this resolved & hoping XXXX XXXX XXXX chase does the right thing by sending her the money that is owed to her otherwise we will have to take further actions. XXXX XXXX is telling me the only way they can give her the money back is filing a dispute with chase ( her bank ) but chase wont dispute the charges. im reaching out asking that chase helps file a dispute for these charges even some that are from XXXX can be reached at XXXX XXXX if XXXX XXXX needs to contact her to get her her money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES ARE FRAUDULENT, I NEVER APPLIED FOR THESE ACCOUNTS ON THESE DATES, MY INFORMATION MIGHT HAVE BEEN IMPACTED BY THE TRANSUNION DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit reporting or other personal consumer reports

To Restore maximum credit reporting scores to the maximum score XXXX, XXXX IMMEDIATELY and within 30 days of this notice.

15 USC 1681b PERMISSIBLE PURPOSE On XX/XX/XXXX I received a determination of dispute. It was a violation. On XX/XX/XXXX I inquired on the XXXX website and found the information was still being reported. I am Reporting a violation on my behalf of all reporting agencies on the XXXX website. Including XXXX. 
I am Stating 15 USC 1681b PERMISSIBLE PURPOSE. I have previously tried to resolve the fraudulent identity theft with all the reporting agencies and the merchants. 
This is a final attempt to resolve. I would like this matter resolved permanently and immediately. 

( FCRA LAWS ) My information was exposed in a data breach. Also, I am Stating 15 USC 1681b PERMISSIBLE PURPOSE. I have previously tried to resolve the fraudulent identity theft with all the reporting agencies and the merchants. 
This is a final attempt to resolve. I would like this matter resolved permanently and immediately. Please notify all reporting agencies and merchants. Restore all maximum credit reporting scores to the maximum score XXXX, XXXX IMMEDIATELY and within 30 days of this notice.

***COULD NOT ATTACH DOCUMENTS FOR REVIEW
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts with Carmax, Account XXXX and Account XXXX. Account XXXX is being reported to the Credit Bureaus, while Account XXXX is not. This is a positive tradeline but because Carmax is not reporting this positivity, it is harming me and my credit rating. Carmax is choosing to only report the aaccount that is not in a positive standing and this is on purpose on their part to harm me. This second account is a positive account and the account I am referring to that they are not reporting to the Credit Bureaus. So their response to my first complaint is half assed and they did a poor job researching as they are not reporting this account at all to any of the credit bureaus. They submitted a copy of the account XXXX payment history but what about the XXXX account and its payment history and confirmation that they are reporting to the credit bureaus? They are just trying to manipulate this situation and violate my protection as a consumer. 

I am attaching my XXXX credit report for XX/XX/2020 and you will just see the 1 Carmax account XXXX but not the second account as I am requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is erroneously reporting past due payments on 3 accounts. One car loan and 2 credit cards. Under FCRA a lender is to report accurate information which it is not.
Product: Debt collection

I have received a number of unwanted threatens calls after I sent letter requesting for who I suppose to owe and why, who 's the original creditor and I also requested documentation and cease and desist calling my number and I keep getting messages. I have them on my cell phone. 

The Collection agency : JLU ASSET MGT GROUP LTD Attention : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I honestly dont know entirely, Im not understanding why theres a theft that shows up on my background check for an employer. I know my payments are behind, but theft charges showing up on the will keep you from getting a job quicker than anything and the bank knows I lost my previous job and they cant get money i dont have. Ive told them Im going through the steps with an employer now to start working. But Ive not performed the act of theft period
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having an issue with XXXX constantly telling me lies, giving me the run around and keep reporting a bankruptcy that I did not provide permission to do so according to the FCRA. 
Also under consumer law 15 U.S.C 1681 a1,2, and 3... .15 U.S.C 1681s-2. I called XXXX to dispute this issue several times,. On XX/XX/XXXX I sent out disputes concerning the bankruptcy to all XXXX credit reporting agencies Experian XXXX XXXX and XXXX along with the letter from Pacer and my updated information. Almost 2 months pass I called back they said they closed the investigation but I never recieved any mail for it. I called on XX/XX/XXXX and they reopened the investigation so On XX/XX/2023 a representative told me that that they do get there information from Pacer, even after I sent the actual letter I received from Pacer stating that they don't report to anyone. So I asked XXXX where are you getting your information from in order to legally report it. But they keep closing out my disputes. But never send me any notifications of the dispute results. I'm just fed up with this issue it's hending my credit and causing damages I keep getting denied for things due to them keep reporting it
Product: Checking or savings account

I had to open a checking account to convert Euros to Dollars, I was given a very poor exchange rate which amounted to a loss/cost of approximately {$XXXX}
Product: Money transfer, virtual currency, or money service

I attempted to purchase XXXX  tickets! I spoke with a gentlemen via text and email we discussed I would send transaction via XXXX and he would send tickets via XXXX. I sent the money he never sent the tickets. I reached out to my bank and the XXXX department but they said there is nothing they can do!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my Credit Report and saw many errors. I did not have knowledge of these two debts. They are not mine and when I attempted to resolve this issue with the creditors they only wanted me to pay and would not help me at all. It is very unfair that I have debt on my report that does not belong to me. Please help me to remove this so I can move forward. The creditors should be thrown into jail for how they speak to people and especially when it is not the individuals debt. Please Help! The last XXXX accounts on my Credit Report that I have no knowledge of are an XXXX XXXX company that states they represent XXXX XXXX. I have no knowledge of this debt and it should not be reporting on my Credit Report. The other is XXXX XXXX XXXX. It also should not be on my Report Because THIS DEBT IS NOT MINE. I have tried and tried to work this problem out and have n't been helped yet! Please Help!! There are also XXXX accounts that are reporting on my report that are too old. They should not still be there. It is illegal for them still to be reporting and they are XXXX XXXX and an account by the name of XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies has violated my rights XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Section 602 A. States that 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.