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

I am writing to you for the fifth time to address the unresolved issues on my credit report, specifically regarding late open accounts and a charge-off account that is inaccurately tiedup to open accounts. Despite my previous attempts to rectify these matters, the credit reporting agencies have failed to take appropriate action to correct the inaccuracies. These unresolved issues continue to have a detrimental impact on my creditworthiness and financial standing. 

I request that you intervene to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). This includes promptly correcting the late open accounts and removing the inaccurately tied charge-off account from my credit report. Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address these issues in a timely and satisfactory manner. With this, I am asking for your assistance to remove the charge off account and correct the late open accounts in my credit file : XXXX XXXX XXXX  Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  Balance : {$710.00} - tied up charge off to open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) has violated several of my rights 15 U.S.C. 1681 Section 602 A. Clearly state 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

Dear Paypal I have had a personal account with you all since XXXX. On my personal account you all have me marked as a seller I guess because I accept so many payments for my XXXX  company and I have been operating through my personal account no issue for years. XX/XX/XXXX I established an LLC for my company called XXXX XXXX XXXX XXXX. I have 13 1099 contractors under my LLC. My CPA advised that I open a business account with Paypal since I use your platform to receive business payments as well as pay some of my contractors. I opened the business account using the email address XXXX I used my business name XXXX XXXX XXXX as well as my newly established EIN XXXX for my LLC ( which I have no converted to S corp ). I advised my contractors as well as the clients that pay me for marketing this is my new paypal email address. In less than 2 weeks of opening the account no warning Paypal sends me an email stating that you all permanently limited my account and that I am unable to use it ever again. I called in to Paypal and explained they stated they would send a ticket in requesting for it to be reopened. Never received an update so I called again, turns out the rep states sorry you never received an email but they denied the ticket and she is unable to tell me why other than it states the account was shutdown due to fictious information was used to create the account and the bot you all have setup shut me down because of it. This is outrageous I have had an account with you all for almost 10 years. I would think like you all do others if you felt any information was wrong I couldve been at least given the chance to provide proof. To say there is nothing we can do our robot shutdown your account is absurd. I am requesting that corporate looks into this and reinstate my account as I have also placed all my business information with this letter to prove all the information I used to open the account was true and accurate. Also, even the business account that was linked to my paypal had my business name on it as well. To just shut down the account and state your keeping the funds I had in there for 6 months just isnt okay. I have done nothing wrong I have never used your platform for any illegal services or activity and I have had a personal account with you all for so long I cant believe you all didnt give me the curtesy like you do so many others by just requesting the documents needed to verify my new business account. I am asking please check into my business account and please compare it to attached documents and you will see I have been operating exactly how I created the new account. Thank you so much for your time.
Product: Credit reporting or other personal consumer reports

I do not work for anybody No job employment should be on report XXXX XXXX XXXX Inaccurate address only address should be on my report is XXXX XXXX XXXX XXXX XXXX Al On address that should be on my report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in recent administrative proceedings by the CFPB. 

I request a proper and thorough investigation of the inaccuracies I have reported, along with evidence of such investigation. Please let me know the steps you will take to ensure compliance with the applicable laws. 

This is the account I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Inquiry into credit to open a credit card with my information without my knowledge or consent on XX/XX/year>
Product: Debt collection

I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this Capital One account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. This account needs to be removed from my credit files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX since XXXX. The history report that I have from XXXX doesn't match with the history report they sent to the credit bureau. Also, this year I submitted more than 5 payments in advance trying to pay off the loan earlier but those payments ha n't help at all. According my report my last late fee was on XX/XX/XXXX. According the last reports sent to th the credit bureau I was late for {$36.00} as XX/XX/XXXX with a mark as a " delinquent ''. Please see attached both reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate issue, XXXX XXXX is not taking the collection off my credit report. It clearly shows they have it under a collection account. IT WAS AN AUTO LOAN AND NEVER A COLLECTION. They will NOT change this and its affecting my credit trying to purchase a home. The account is now XXXX XXXX XXXX and I just want them to acknowledge it and delete the account, they can do this, they can make this right.
Product: Debt collection

In XXXX I started service with XXXX XXXX XXXX, their service was always an issue with delivery date and time. After a few bad service I decided to request a pick up of the equipment. To my surprise, I was told I had to bring the equipment to the warehouse location on XXXX at XXXX XXXX and if no one was there to take a photo of the equipment sitting at the door and forward to the person on duty. I did exactly that. I called later to make sure they had received their equipment and that was confirmed. Going forward in XX/XX/XXXX going over my credit, I see Collection Bureau Of America, Account number XXXXand called the number XXXX and spoke to XXXX, XX/XX/XXXX who was very rude, her voice tone was snappy. I explain to XXXX, the information reported was incorrect because I do not have a balance, there was a charge because of the equipment and the equipment was turned in that same day I spoke with a manager. I am disputing the charges of collection fee {$36.00}, NSF fee {$25.00}, {$100.00} ( that XXXX could not explain what this fee is ), late fee {$98.00}. Again XXXX was not able to explain these additional fees. I explained this was important to me because this is incorrect and I need this corrected. Since that date I have called 3 rimes to have this corrected and I have gotten absolutely nowhere. So I am reaching out for this to be corrected. I do not have a balance on this account, I only had to turn in the equipment, which I did do exactly that.
Product: Debt collection

I received several notices from Citi bank that the issued was resolved but the amount is still in effect on my credit card. To avoid damages to my credit rating I was forced to pay on this card. I have documentation from the card holder that this debt was cancelled. But it has not been deleted. I made the claim on XXXX XXXX, 2021, the amount was for {$60.00} ( I was told ). I sent all the documentation to the company as requested. I received from the company the debt was cleared. That information was false, now what? So in affect I have been defrauded twice.
Product: Credit card or prepaid card

Made a online purchase XX/XX/XXXX immediately tried to contact merchant to cancle order and they have been unresponsive. Chase bank is refusing to cancle the transaction and credit my account. I now have {$770.00} of credit in limbo that I can not use
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was property investigation but how is that, possible & the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1661 section 602 A. States I have the right to privacy 15 US. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not fumish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation and I already sent my cerfity letter in my pervious report 2 weeks ago as you will see in my history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a BB & T credit card holder since XX/XX/XXXX. I have always paid my bills on time and generally did not carry a balance. In XXXX - XX/XX/XXXX, hundreds of fraudulent charges totaling more than {$3800.00} appeared on my card statement. I immediately contacted BB & T and they cancelled the card and issued a new card. I worked with BB & T to identify all of the fraudulent charges and corresponding foreign transaction fees, through the first few months of XX/XX/XXXX. I was given the impression BB & T was working to resolve this issue. However, in XX/XX/XXXX BB & T closed the fraud claim leaving more than {$2100.00} in fraudulent charges on my account. I insisted BB & T open a second fraud claim, and I continued to work with the BB & T fraud team. BB & T acknowledged and reimbursed an additional {$1500.00} in fraudulent charges in XX/XX/XXXX. As of XX/XX/XXXX, the account still includes more than {$600.00} in fraudulent charges unaccounted for. In addition, BB & T has charged late fees and interest of more than {$600.00}, and they've reported the account as late, severely impacting my credit score. 

This issue has been referred to several special investigation teams within BB & T and they have not been able to acknowledge all of the fraudulent charges. Now, due to both the large number of charges and the fact that numerous teams have attempted to resolve this ( without success ), BB & T states this issue is nearly too complicated for them to untangle. BB & T continues to insist I make payments on these fraudulent charges despite their ongoing investigation. 

I am concerned that BB & T will force me to pay for illegitimate charges and my credit will be permanently damaged as I begin the process of applying for a mortgage to buy a new house. Because of this damage to my credit, one financial institution has already denied my application for a bridge loan and would only approve me for a mortgage with a much higher interest rate. 

After more than a year and many hours on the phone with both the fraud department and BB & T 's collections agency I do not have confidence that BB & T will resolve this.
Product: Debt collection

Mechanics Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Fraudulent Account Account Number : XXXX Dear Mechanics Bank, I am writing to formally dispute the Mechanics Bank XXXX Account with account number XXXX, which I believe was fraudulently opened in my name without my consent. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccuracies in my credit report, and it is my understanding that this account is not valid. I have never authorized any transactions or agreements related to this account. As such, I request the following : Immediate investigation into the legitimacy of this account.

Removal of this fraudulent account from all credit reporting agencies with which you report.

According to the FCRA, specifically 15 U.S.C. 1681i, you are required to investigate my dispute and notify me of the results within 30 days. When you determine that this account is indeed fraudulent, I expect it to be removed from my credit reports immediately. 

Please send me a written confirmation of your findings and the actions you take regarding this account. Additionally, I urge you to consider this a formal notice of identity theft and take appropriate measures to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Debt collection

RE : Hunter Warfield Inc ( # XXXX ) I called the number provided when first contacted in writing by Hunter Warfield. I spoke to a representative on the phone attempting to make payments according to my financial capability. The representative was very rude and scoffed at my earnest effort to pay the bill over time. He said that every time a monthly payment would be made, that the company would charge an additional {$14.00} fee for payment acceptance thereby almost negating my attempt to pay over time. The representative offered no other solution to my problem except to threaten wage garnishment and court costs. In addition to these pressure tactics, Hunter Warfield contact my same phone number throughout the same day, every day, even late at night. This company went so far as to contact my employer several times almost causing me to lose my job. Please investigate this company as I believe that they have violated my rights as a consumer and this matter should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
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. 

I do not have a contract with ) XXXX XXXX XXXX ) Account # XXXX Nor do I owe any debt to ( XXXX XXXX XXXX ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting Fraudulent information about me. I have sent several documents and created several disputes to resolve this matter. In a phone conversation yesterday A TransUnion representative informed me they never received a complaint that was Made by Me through CFPB. This is my second attempt at this complaint. I want all the listed information Blocked, and or deleted from my TransUnion Consumer report. 

Please see attachments
Product: Credit reporting

I tried getting my free annual report from Equifax XXXX. They XXXX claim I already received my free annual report, Equifax stating it was on XXXX/XXXX/15. I have NEVER filled out a form nor went on line or called for this. I am having issues with 3 retail credit cards that are unfounded, so am trying to see the report. When I tried to sign in to the credit reports, they stated I had no account. So how could I have previously applied for it? I feel I am getting scammed, and do n't know where to turn from here. XXXX XXXX
Product: Debt collection

I was notified by XXXX XXXX XXXX that I had an outstanding debt with XXXX XXXX in the amount of {$940.00}. I filed a complaint the the FTC and also notified XXXX on XX/XX/XXXX. The report # with experian XXXX. I am going to file another report today with the FTC. I have been informed that another collection agency is not after me again with the same dept. This agency is I.C. System, Inc. XXXX. I am in the process of sending a copy of my completed report with the FTC to all the credit bureaus. 

The XXXXXXXX XXXX account # XXXX and the service address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at this address and have been residing at the same address for the last 19 years. I was told the account was opened on XX/XX/XXXX and closed XXXX XXXX.
Product: Debt collection

I received a call today ( XX/XX/year> ) at XXXX XXXX  from Jefferson Capital about a debt that is not mine. All information they provided to me was for another person by a different name. I asked for debt verification and they said they sent it to the other persons address. I have never heard from this company before today, but they have been on my credit report for years. I have never had the debt verified to me, I have never spoken with someone on the phone, I have never received a letter in the mail from this company. I have never heard from this company before today, but they are reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for only one card, one time and was approved however XXXX  ran my credit twice and I therefore have 2 hard inquiries on my Experian credit report from XXXX XXXX. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to provide the info although I already did including a copy of my Experian credit file showing the 2 hard inquiries. I need XXXX  to please remove one of the hard inquiries.
Product: Debt collection

The debt to Receivables Performance has been paid in full. The debt has been satisfied.
Product: Debt collection

I switched from XXXX to XXXX XXXX XXXX in XXXX. Return the phones back and pay the remaining bill on XX/XX/2021. On my account it states that it is paid off however they are still harassing me about the {$670.00} that Ive been paid on XX/XX/2021. I provided so many proof that the account was paid on the XXXX  account portal it even states that it was paid. Due to this my credit score has dropped XXXX points and they are refusing to remove it from my credit report when I provided valid documentation that it was paid off XX/XX/2021.
Product: Checking or savings account

Hello everyone, My name is XXXX XXXX XXXX and Ive been a Bank of America XXXX since 2018, I have experienced bad service at my branch location at XXXX XXXX XXXX on several occasions but have ignored it, Ive had reasons to take a cab to a different location just so my banking needs will be met professionally, the XXXX XXXX XXXX branch at XXXX XXXX seems to be cursed as it has consistently produced high school leavers and highly unprofessional staff, Today, I began my day by going to XXXX XXXXXXXX to cash my pay check and I strolled back to my bank at XXXX XXXX XXXX XXXX XXXX to deposit same money which I had intended to pay my rent with, I walked into the bank and proceeded to use one of the available and functional ATM machines with the ID number XXXX, I pulled out the money I had cashed at XXXX  XXXX, I carefully stacked the money and dropped it at the machine, I had a XXXX dollar note returned which I carefully placed back for it to be counted towards my credit, at that instant, the ATM machine froze both with my money and my ATM card ending in XXXX, I stood in shock knowing how much I wanted this money to pay for my rent, I called on the security guy behind me, a very nice young man who told me to let the bank know what had happened and immediately I saw a staff suited up walking out of the bank, I made hand gestures that I had money stuck in the machine, he shrugged it off and just told me to call the number on the ATM, I went into the bank and spoke to a staff working the front desk by the name XXXX, he lacked empathy, he cared less of my concerns as I wanted to speak with a branch XXXX to help me escalate my issue to get credit, he insisted I call a number he was even gon na write for me, I wondered for a minute if I mattered to Bank of America as a customer or some guy or if it has to do with the XXXX of my skin, I wound up calling the number on the ATM without the help of my branch where my trouble began, I was put on hold for about XXXX minutes and mind you, I was on a work time schedule and the last I heard was that it will take XXXX business days for me to get money that literally was in my hands and that just got stuck in your atm, To cut this story short, I am not interested in the corporate inefficiency and mediocrity associated with your bank but I know I have protected rights as a customer and I will not suffer this inefficiency for your organization to continue to open branches with high school leavers and emotionally disconnected people working for you, I will wait out this evening and tomorrow and the next time I will discuss this will be in court. 

Thank you so much and here is a picture of the ATM XXXX