23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to report unauthorized transactions made on my Wells Fargo account. My card was somehow linked to another persons XXXX XXXX account, allowing funds to be transferred from my account without my authorization. I have been unable to determine which account or individual is responsible for these transactions, but I know that money was added to this persons XXXX XXXX account using my card details.

I have contacted Wells Fargo 's fraud department, but I have not yet received any resolution or confirmation about the status of this issue. These unauthorized transactions have significantly impacted my finances, and I am requesting immediate action to investigate and resolve this matter.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of a late payment by this creditor to Equifax. Their records incorrectly show a payment as late when, in fact, it was made on time. Despite this being an obvious error, the incorrect information remains on my credit report, negatively impacting my credit score. This false reporting is unacceptable and must be corrected immediately.
Product: Credit reporting or other personal consumer reports

After review of my credit report, it has come to my attention that there are various hard inquiries I am not familiar with. I never authorized the companies listed on my FTC report to run my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  credit account -XXXX  and Equifax inaccurate information payments etc. I filed several disputes to both credit bureaus failed to properly investigate and make accurate changes to my credit report.This has caused major damage on my credit approval on other loans and credit cards etc, that I could have been approved for. This account was closed and paid settlement as agreed.Statue of Limitations same source from all company 's should report the same accurate information to each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX MORTGAGE SER, XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a Also my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like XXXX XXXXXXXX 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 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

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

XXXX  XXXX credit card Discover credit card Where lost or stolen and were used fraudulently. My credit is now ruined. XXXX  I moved and relocated not sure when my identity was stolen. Im reporting this to you guys so that you guys may fix my credit and fix any issues that I may have. Ive already contacted XXXX XXXX. They failed to help me. 

I cant discover they failed to believe me.
Product: Checking or savings account

I was a customer at Regions Bank and I was charged illegal junk fees. 
I paid those fees and I now learned that the government is making Regions Bank pay those fees back. 

I want to be reimbursed of the hundreds of dollars I've paid out to this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX. Date Opened XX/XX/XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX Account XXXX XXXX. Date Opened XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three Experian, XXXX XXXX and XXXX to report fraudulent. I sent multiple dispute and had multiple phone calls with the fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent account .his notice is to inform you that you unlawfully reported fraudulent accounts. I have provided you a copy of my Police report a copy of my FTC affidavit that was provided to me from Federal Trade Common. I have followed every step I was told to do by your agency and by the Police department. Please delete and Block this fraudulent account, address of my credit report. the fraudulent information and account and inquires that are in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent inquiriesXXXX 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 XXXXXXXX  fraudulent addresses XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX this is fraudulent and needs to be delete immediately. You have caused me great damage and embarrassment also with emotional distress and I was wrongly denied credit, housing and a job due to this fraud and your fraudulent reporting. Please be advised I will use this complaint and all the disputes in court.
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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

So I'm a victim of identity theft, I am also someone that has been XXXX XXXX XXXX XXXX XXXX, it could also be an organized gang stalking. These people/person has access to someone they know personally in law or government that I believe that has been helping them. My phone was hacked, my mother phone was hacked, my dads and my sisters. I usually go on my bank app log in, who ever hacked my phone had access to my personal bank accounts. They have over drafted my accounts, had access to me Checking and savings account. I've had to change banks like four times, this will be my 5th phone in the matter of 2 years. I've dished out hundreds of dollars purchasing or fixing things. banks include, Citibank, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items with Equifax frequently - they never respond to my disputes - I found out that they have my address being reported and this address XXXX does not exist - that is why I never get responses to my disputes - they are going into the usps trash or being returned to Equifax and being trashed. my correct address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX md XXXX - I have written Equifax about this incorrect information but as I said I never receive a response from them.
Product: Credit card

Bassett furniture provided a 36 month 0 % APR financing for their charge card I was approved for. The associate and their manager confirmed that no interest would be charged to my account as long as I paid off my balance during the promotional period but there was multiple instances that showed my statement charged interest that should have never accrued on my account and after paying off the card, there is a {$14.00} balance they have been charging me {$2.00} each month since I paid my account off. That {$14.00} charge has now led to collection status on my credit and negative marks on my credit as well. I have conversation where the associate said this will be fixed but it has not and now Im reaching out to you all to get them to remove the derogatory marks from my credit and the balance owed on this card as they are not viable.
Product: Credit reporting or other personal consumer reports

I re-applied for mortgage assistance applications for all three loans ( Loan XXXX XXXXXXXX, XXXX, and XXXX ) with XXXX XXXX Bank ( XXXX ) on XX/XX/XXXX. Nevertheless, during the process of application review, XXXX reported to credit bureaus that the payments were late on XXXX, XXXX and XX/XX/XXXX for all XXXX loans. I would like to have XXXX to provide the chronological dates of the mortgage assistance application in XX/XX/XXXX, the decision date of mortgage application outcome, the credit reporting date and the payment made on the account by me as the mortgage account holder, and the statement of credit reporting during the process of mortgage assistance application. 

I applied for mortgage assistance applications for XXXX loans ( Loan XXXX XXXXXXXX and XXXX ) with XXXX XXXX XXXX on XX/XX/XXXX. The mortgage forbearance was approved for both loans and followed by loan modification. Nevertheless, during the review process, XXXX XXXX XXXX reported to credit bureaus for the late payment on both accounts on XXXX, XXXX and XX/XX/XXXX. I would like to have XXXX XXXX XXXX to provide the chronological dates of mortgage assistance application date, the decision date of mortgage application outcome, the credit reporting dates for both accounts, and the statement of credit reporting during the process of mortgage assistance application. 

I was approved for loan modification ( loan # XXXX ) with Truist Bank in XX/XX/XXXX and the due date of the payment for the modified loan is not due till XX/XX/XXXX. Nevertheless, Truist Bank reported the late payment in XXXX for XX/XX/XXXX. I would like to have Truist Bank to provide the chronological dates of loan modification approval, document signing from both parties, the due date of the first payment on modified loan, and the statement of credit reporting during the process of loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against 3 Credit Bureaus if they did not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX : {$2800.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$620.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are numerous problems with my credit report. there are unauthorized inquires and 2 accounts that are not mine and one is being reported as a charge off and another one that is being reported wrong amount see XXXX  XXXX  enclosed for explanation
Product: Money transfers

I booked a vacation rental on a well-known website ( XXXX XXXX ). The person who posted the vacation rental falsified the website 's documents and sent me an invoice that appeared to be from the website to pay by wire transfer for the rental. I sent the money via my bank wire transfer, and I referenced the company ( XXXX ) and the company 's address which I verified before sending. After I sent the money, XXXX XXXX contacted me stating that they received word that this person was scamming their customers by sending invoices that were not legit. It was too late at this point, my money had been sent. XXXX XXXX refuses to assist me in getting my money back as they say I have to book through their website, which I thought I was doing because I was paying XXXX XXXX directly. My bank tried to recall the wire, but the beneficiary refused. I do n't think a wire should be able to go through if the name and address that are referenced are not those associated with that account. There should be some sort of verification process that keeps that from happening. I am now scammed out of {$1000.00} and a place to stay on our vacation.
Product: Debt collection

I received a Notice of Court Proceeding to Collect Debt on XXXX XXXX XXXX. On the back of the same letter it states : Payment to avoid Garnishment and lines to fill out information such as my Employer 's signature, work place and only XXXX lines to complete as far as money they want me to send in for payment XXXX % of my earnings. This debt occurred in XXXX it is a valid debt however, I was only given 15 days to comply to my understanding I should have 30 days according to the Fair Debt Collection Practices Act I read. I have not received no other notices allowing me to respond before now. I spoke with the creditors Attorney regarding this debt in XXXX and the Attorney stated he would get back in contact with me regarding payment arrangements that was the only contact I had with this creditor. Now 4 years later no other notices sent to me in all this time they want to garnish me without any type of negotiation and acceptance of what I shared I can pay them every week which is {$100.00} dollars. I have already sent {$100.00} last week in good faith to show I am willing to pay the debt owed. So my claim is this debtor failed to give me enough warning does not return my calls and try to work with me, the Debtor is stating I have to pay what they want me to pay regardless of my other creditors and household bills. So I feel I am being done wrong in that that debt is 4 years old, they have not sent me in the 4 years no type of notices giving me the opportunity to work out the debt, only 15 days given for me to respond instead of 30 days which most my other debtors send, pressuring me to get this done in a certain time frame of 15 days, wanting my employers information versus allowing me to make my payments and not returning my calls. I would like to know what can be done about this? I am speaking with a consumer attorney on Monday for more help.
Product: Debt collection

I received an alert from a credit monitoring company I pay notifying me That XXXX XXXX had placed a derogatory account on my XXXX credit report XX/XX/XXXX, which in turn reduced my credit score significantly. 
I never received any written communication from XXXX XXXX, and never received any phone call from XXXX XXXX. I called XXXX XXXX XX/XX/XXXX and spoke with XXXX, who notified me this account was for " XXXX XXXX '' and was in my maiden name. My account with XXXX XXXX was closed in XXXX, I filed Chapter XXXX Bankruptcy in XXXX which was closed XX/XX/XXXX, and this debt was included with my bankruptcy case # XXXX. At some point in either XXXX or XXXX I was contacted by a XXXX XXXX regarding this debt and let them know at that time this debt was included in my bankruptcy and I was told that the collection company made an error and they would remove this account from their system. Here we are 8 years later and XXXX XXXX and XXXX XXXX are still trying to collect on a debt not owed. XXXX at XXXX XXXX said she would remove the reporting from my credit report and update my account with them, however the damage is already done to my credit score due to XXXX XXXX 's erroneous reporting. In addition their collection practices are inept, I was never notified about this debt prior to them reporting it to my credit, and never given the opportunity to dispute prior to XXXX reporting it to my credit.
Product: Credit card or prepaid card

I looked over my ebill and found that I had a {$27.00} late fee added to my bill for XXXX. My billing due date is the XXXX of the month and I make a payment with each of my bi-weekly payroll checks. Upon looking at my billing, I saw my second XXXX payment XXXX and a late XXXX payment on this bill. The payment I made on XXXX was included on my XXXX bill with my XXXX payments after the XXXX deadline. I called the customer service line and spoke with a representative ( I did n't write down her name ). She did refund this fee, but when I asked why the XXXX payment was n't included on the correct bill, she informed me that the bill was generated on the XXXX of the month. So any payments made within the month between the XXXX and XXXX are in limbo and do n't count toward the minimum balance and get charged a late fee. I asked what I could do to get the payments posted correctly, because I pay with each of my paychecks. She explained that I could change my due date, but this would n't change the bill generation date. I feel that any payment made after the XXXX by the XXXX should go into the appropriate billing cycle to count toward the minimum payment due. {$27.00} is an excessive late amount especially when I am making the appropriate effort to make my payments before late and the company is manipulating the dates ( bill generation date vs due datee ) to allow payments to fall outside of the current billing cycle.
Product: Checking or savings account

At dawn on Saturday I began to receive notifications of charges in my cash app account by XXXX reaching a total of approximately 800 usd when I realize it, I quickly cancel my card the next day I contact XXXX and they assure me that the payments They didn't make it because they don't have a record in their system, contact the cash app and they only return approximately 150 usd of the 800 collected and they still haven't given me the rest because they need to continue investigating, however I don't authorize those conros cash app says it was XXXX and XXXX tells me it was cash app
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

this account appeared on my credit and is not mine was opened due to my identity being stolen i have listed this on an identity theft report from the ftc that has been notarized and also this unknown acct is on my police report yet this company conitinues to report and retain this account with my name fraudulently it needs to be remopved
Product: Credit reporting, credit repair services, 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. 
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  va, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.