23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2024. I received a call at XXXX eastern time from Chase bank regarding fraud activity on my account. They stated there was scheduled wire transfers to occur and I needed to do what they said was a reverse wire transfer. The wire transfers of {$30000.00} and {$5000.00} were initiated. When I hung up, I immediately followed up by calling Chase bank # on my card and asking them what was going on, ( the transactions were pending at that point ) and they said I was involved in fraud and would open a claim. I found out later that they did not call the bank that took my money, did not stop the transfers, and said it was my fault. I have now lost my life savings. I did not authorize the transactions with the real Chase and contacted them right away, Chase did nothing.
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 : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report. 

. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Please remove it from my credit report Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Please remove it from my credit report Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit 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. 


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  has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> I noticed some things are incomplete and inaccurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Debt collection

Procollect inc I created a police report send them all the evidence that I wasnt in the apartment they tell me I was renting there and trying to charge me for it I have everything that I send them this is their address that it was fraudulent because I never reside there. XXXX XXXX XXXX # XXXX, XXXX, TX XXXX and this is the phone number XXXX
Product: Vehicle loan or lease

This is a complaint against Transunion. I am a victim of identity theft and I have sent all the documentation that supports my claim, FTC Report, Police Report and this bureau blocked the account for only a few days and not forever. This account was opened without my consent and according to federal laws. Identity theft when disputed with an FTC Report or a police report this account must be deleted immediately, however Transunion does not do so under the Fair Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by XXXX XXXX XXXX XXXX, and AD XXXX XXXX, along with the inquiries from clarity services and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX of 2020 i placed a complaint and dispute to the company and or bureau of XXXX XXXX. After waiting on a response, transunion deleted most of the requested items proven to be fraudulent or taken without my authorization. However, there still remain a inquiry from XXXX XXXX   that do not belong to me there are phone number and addresses that do not belong to me. I requested that transunion remove every phone number that was not my original and only phone number XXXX. Every address should be removed from my credit file other than the 2 addresses I've lived which are XXXX XXXX XXXX XXXX XXXX tx XXXX and XXXX plantation XXXX XXXX XXXX tx XXXX. Every other phone number and address should be removed. Also, I contacted equifax, sending them a copy of my driver license and police report along with all requested info to prove my real identity. Equifax have not responded with any updates, deletes or changes to my credit file. I sent them copies of receipts where i contacted the reporting collectors and i did not receive a response from them as well. I have several inquiries and collections placed on my credit file that is not mine. These accounts were taken without my knowledge, authorization and or approval. In response to my complaint I am requesting that all of these accounts be immediately deleted all addresses and phone numbers removed and inquiries deleted from my file in that the impact of this erroneous reporting has effected me tremendously.
Product: Debt collection

I had moved out and cancelled XXXX home internet service. Months later i find out i was sent to collections for not paying the bill at a place i did not live at after moving out
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX. 
XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I have contacted Experian a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE XXXX XXXX BREACH, And I believe that Experian made errors in reporting inaccurate accounts and public records on my profile and In accordance with the fair credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 1 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 received letter saying verified account. The account is closed and charged off, but still reporting on my report. The company is XXXX XXXX XXXX XXXX  and XXXX XXXX which sold the account to XXXX and ALL are reporting.
Product: Checking or savings account

At some point in XXXX i opened an account with Juno via the XXXX XXXX XXXX. The reason I did so was they advertised 5 % interest and being FDIC insured. Everything ran smooth until XX/XX/XXXX when my funds were locked for some unknown reason. Per Juno, they said the reason was due to bankruptcy with synapse brokerage whom they contracted with to hold our funds. Per Juno, they stated that synapse placed my funds with evolve bank and trust and to reach out to them to resolve the issue. I was under the impression I would be getting my funds from evolve between XXXX and XX/XX/XXXX but I only got a small portion. per evolve I just needed to submit a dispute as a work around due to some issue they had. I did that and got a letter in XX/XX/XXXX stating that evolve only held a small portion of the full balance I had with Juno and at this point I am still without basically all my money I had deposited with Juno.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 reporting

I had a medical bill for XXXX XXXX Medical Center for {$780.00} sent to XXXX XXXX for collection. I paid XXXX XXXX and have a receipt for the payment. XXXX removed the debt from my credit but Transunion still shows it as an open account that I owe. I have checked with XXXX XXXX and they say they have reported it paid in full an closed. i have disputed this with Transunion and they say their information is correct.
Product: Credit card or prepaid card

Account opened XX/XX/2023 XXXX statement closed XX/XX/2023 Balance of {$60.00} due XX/XX/2023 Payment of {$5000.00} made via phone XX/XX/2023 XXXX statement closed XX/XX/2023. 
Balance of {$1500.00} due XX/XX/2023. 
XX/XX/2023, I made a payment via transfer from a company-related Bank of America business checking account, in the amount of {$1700.00}. 
XX/XX/2023, I logged in to pay XXXX statement balance and discovered payment made XX/XX/2023 was reversed by Bank of America XXXX XX/XX/2023, and never posted to other bank account. Reason given was " chk return -- no signature '', but there would be no signature on a payment by phone. I was never notified of the reversal in any form -- I could have received an email, phone call, or text message. I only learned about it by checking my bank account dashboard online. 
Bank of America charged late fee of {$49.00} on XX/XX/2023. 
Bank of America charged interest of {$24.00} on XX/XX/2023. 
XX/XX/2023, I made a payment via transfer from a company-related Bank of America business checking account, in the amount of {$5100.00}. 
XX/XX/2023, I made a payment via transfer from a company-related Bank of America business checking account, in the amount of {$500.00}. 
XX/XX/2023, the online dashboard continued to show a credit balance owed to BoA, so I contacted customer service for clarification. They informed me my account had actually been transferred to collections as past due. The customer service specialist agreed with me that there must be an error, and advised me to call back in 1 to 2 days to allow the system to update. I never received a notification regarding collections. 
XX/XX/2023, I received an email informing me that the credit card account was closed by Bank of America, with a reason to follow in writing. 
My account was just over 60 days old, never had a balance past due, and the system errors that resulted in apparently an automatic closure have left me with a closed account that has a debit balance of {$780.00}. In other words, BoA closed an account wherein they owe me money PLUS they charged me a {$75.00} new account annual fee, {$49.00} late fee, and {$24.00} interest on a balance that had been paid. Are they planning to mail me a check? If this is not bank fraud and deceptive practice, I don't know what is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the ; disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) ther are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report XXXX balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to ; either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item or just DELETE it immediately in my report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies in the reporting of an inquiry or unauthorized access by XXXX XXXX XXXX ( Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ) on my Experian Credit report. 
I suspect it may be related to identity theft, or unauthorized access to my personal information. I have contacted Experian and requested the remove the inaccuracy / unauthorized inquiry by XXXX. They would not remove and insisted I contact XXXX. Which I attempted to, but XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX, was a financial services company registered as a foreign limited liability company. The company was incorporated in Illinois on XX/XX/XXXX, but was dissolved on XX/XX/XXXX and there is no company anymore and no one to contact. This Experian Credit report inquiry is inaccurate or an attempt at Identity theft, and was not authorized. Consumer reporting Agencies are required to ensure the accuracy of all reported information. I demand removal of this inquiry from my credit report with Experian, which Experian refused. I also request a thorough investigation into this inquiry by a company that was dissolved in XXXX. Please have Experian remove the inaccurate inquiry!
Product: Credit reporting

After checking my credit report I fount a collection was made on my account for the amount of {$100.00} and was opened on XXXX XXXX, XXXX. After trying to contact the collector to dispute the charges made on my account I found the number to be unavailable. I tried to write to the company on XXXX XXXX, XXXX at Professional Account MGM XXXX XXXX XXXX. XXXX, WI XXXX and received no response. I would like this company to validate the debt under my rights by the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the XXXX XXXX. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to all 3 Credit Bureau 's stating : I am writing to challenge the reporting and compliance on two accounts with SLC STUDENT LOAN TRU that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect balance. 

It is listed as a closed, charge off account on XXXX   and XXXX as of XX/XX/XXXX. 

The account number is also inaccurate and incomplete, an incorrect account balance listed, payment status is incorrect, incorrect account status, and incorrect date updated. 
I challenge the accuracy, compliance and reportability of this listing. 
They failed to provide me with validation of this account within 30 days per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). They are violating the Fair Credit Reporting Act.

The only Bureau 's who deleted the accounts was XXXX, but the accounts remain on my XXXX  and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. 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: Checking or savings account

This is a complaint concerning Bank of America. We had a collection agency do a bank garnishment from a 12 year old debt. Credit card from XXXX sold to XXXX. So without warning Bank of America froze our account for triple the amount that was owed. Amount owed was {$7600.00} they held 2 amounts {$22000.00} and XXXX. We had {$8700.00} in our account at the time. We were told it could be frozen for months. We went into the bank XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX we have no access to money. Bank of America said they will pay them {$8200.00}. Boa is negotiating our money no money no one will tell us where that amount came from. The original debt was {$7600.00}. This is how you treat a sr citizen we cant get medicine or anything. Yes we paid our bills perfect until the market dropped in 2007. Since that time bills have been paid. We are sick over this. I work in XXXX and can not do anything without proper notices. We need help with bank of america