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

XXXX XXXX I was notified from my bank that one of my transactions have been sent back to my Bank of America business account so I called Bank of America to confirm they said yes they have my funds and to go in a branch to see if one of the workers there can either reopen my account or to open a new account so XX/XX/XXXX I went into a branch near me I was told basically I wasnt able to open an account Ill have the call this number so they can issue out an cashiers check I called Tuesday XX/XX/XXXX since Monday XX/XX/XXXX was XXXX XXXX when I spoke to someone Tuesday I was told Ill have to wait 10 days to receive my check in the mail and 2 days to receive my tracking number so between XXXX days so today Monday XX/XX/XXXX I called to see if I can receive my tracking number this representative said my funds is on hold no tracking number have been issued due to them holding my funds for an extended period of time listen my birthday passed I couldnt do anything I was supposed to buy a XXXXXXXX XXXX as a birthday gift to me for my business I cant even do that due to them withholding my funds from me Im upset I can admit that only because its too many representatives saying different things I really just want my rightfully owned money please I have to get stuff for my business and I cant with all these different responses to my questions.
Product: Debt collection

I was a victim of identity theft earlier this year and already disputed some charges with XXXX due to new open accounts under my name. I thought everything was cleared up but I checked today and I have this new account pending saying im under collections since XXXX but I never signed up for anything. The company is registered in XXXX  and I live in XXXX so it does not make sense.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

XX/XX/XXXX I went to XXXX XXXX XXXX station located at XXXX XXXX XXXX, XXXX, NY XXXX to put some gas in my car. I have been using this gas station for a while. 
I gave my AMEX credit card to the young guy in the pump, he asked for the Zip code and he proceeded to put the gas. The total amount of the transaction was {$35.00}. 
By XX/XX/XXXX I received a text from AMERICAN EXPRESS verifying a transaction this day from the same company by {$250.00}. I texted right away that I didn't authorize this transaction. 
I went online to check my account and I realized there were 2 transactions made for this same company : One for {$300.00} made on XX/XX/XXXX and a second one for {$250.00} made on XX/XX/XXXX. 
I called customer service and I told the representative that I didn't recognize those XXXX transactions and that it must be a fraud. She told me that AMEX is going to investigate the issue. 
I called XXXX spoke with another representative. He, this time, cancelled my CC and told me that he is reporting these 2 transactions as Fraud. I will contact the Police also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax online verification asks questions that have NOTHING to do with my account as far as my knowledge goes. They ask about auto loans, student loans, mortgages that I have never had. When I called customer service to complain that if they are legitimate questions, then someone else is using my identity, and I would like to file a credit freeze. Both online and with customer service continue to ask questions that have no bearing on me, and deny my identity.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution XXXX XXXX XX/XX/2024 TransUnion
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 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 a - d ) exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Checking or savings account

It all began when I got a check from a friend. She lend me {$8700.00} and gave me a check on XX/XX/2018 which I did deposit it on the XX/XX/18. she didn't had the money but she made a transfer from other of her accounts on XX/XX/18. Unfortunately the check was bounced because she the funds she transferred weren't available. So, I had a bounced check. 
She gave me another check of {$8000.00} on XX/XX/18 showed me that she had the funds available, I deposited the check that same day and the money was pulled from her account the same day, XX/XX/18. Unfortunately Chase which is the bank where I have my account, put a hold on my money from XX/XX/18 until XX/XX/18 and they're saying that it is because they haven't got the money and that because, I had a bounced check from that same person, I have to wait until they get it. 

The money was taken out of my friends account since XX/XX/18, i don't understand why I have to wait 8 days to get my money.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX XXXX ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX XXXX. The details of the account in question are as follows : - Original Creditor : XXXX XXXX XXXX - Account Number : XXXX - Account Type : Credit Line - Balance : {$500.00} - Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) - Date of Last Payment : XX/XX/XXXX ( XXXX & Experian ) - Comments : Charged off as bad debt, Canceled by credit grantor, Account has been closed due to inactivity, Unpaid balance reported as a loss by the credit grantor.

The issues with this account are as follows : 1. **No Contract with Collections Company : ** I have no contractual relationship with the collections company reporting this debt. According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with the collections company invalidates the reporting of this debt on my credit report. 

2. **Continuous Reporting of Charge-off : *XXXX XXXX XXXX XXXX XXXXXXXX account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading.

3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

I have previously disputed this matter with the credit bureaus ( XXXX, Experian, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

A company named Credence rm has me in collections for XXXX for XXXX XXXX, i never received a letter from them nor have i ever had a XXXX XXXX account
Product: Debt collection

I received letter from a collection company, Convergent, saying that I owed {$5800.00} to XXXX   XXXX. I have never had dealings with this company nor do I owe any debt to them or anyone that I am even late on.

The letter says they will " settle '' for {$1400.00}.

I do not owe this company.

I want them to stop sending me letters and to stop phoning me.
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 confidentially under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX XXXX User Social XXXX Account Name : XXXX XXXX User Social XXXX Account Name : XXXX  User Social XXXX Account Name : XXXX XXXX User Social XXXX Account Name : XXXX XXXX  User Social XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX User Social XXXX Account Name : XXXX XXXX XXXX XXXX User social XXXX Account Name : XXXX User Social XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the companies listed on this report and have also hired an attorney that has helped me with getting a few accounts resolved and removed from my credit report. I have also made complaints about the bureaus failure to provide there verification process in validating these fraud accounts that I did not consent to. I have since placed a fraud alert on my reports in efforts to take precautionary measures and I am very disappointed in the outcome of my past dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : 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 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 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 XXXXXX/XX/XXXX
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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. 

XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX ACCOUNT Name : XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX  These accounts Have Violated My Rights. 

15 U.S.C 1681 section 604 A Section 2 : 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 items 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 related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian continues to report the account listed as XXXX XXXX Account Number XXXX incorrectly. There are several late payments and the account is listed as charged off. This is incorrect. I have previously disputed this information and they claim to have verified the information as correct how were you able to verify this information. I have not been late and this account can not report as a charge off considering the balance owed would have to be returned to me the consumer this is specifically outlined in federal law.
Product: Debt collection

15 U S C 1681 I have the right to accurate information being put onto my credit report governances access to consumer credit report records and promotes accuracy and fairness and the privacy a personal information the account is not accurate. The account is not mine and it is against 15 USC 1681 to report missed or late payments collections on my credit report please remove right away. My information was also stolen in a data breach with XXXX and XXXX. Please remove off of my Trans Union report. I have also filed a police report and complaint with FTC.
Product: Money transfer, virtual currency, or money service

I created a Cash App account and was using the services, I was unexpectedly banned from the service for no reason and they would not disclose why I was banned except a vague " you broke our terms of service ''. I have tried to resolve this with the company and they refused to give me details or support. I have done nothing wrong.
Product: Debt collection

I have contacted Republic Finance by writing them letters to dispute this debt. I am not familiar with this debt and asked that they verify that this account is mine. They have not sent me anything to verify this debt.
Product: Debt collection

Identity theft report was submitted to company as I never opened this account, yet they continue to fraudulently report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting, sinceXX/XX/2021, verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law. I have been requesting, sinceXX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Product: Mortgage

On XX/XX/XXXX i did a home modification agreement with Wells Fargo Bank so i can afford to pay my mortgage and keep my house. The Modification agreement stated that I would start paying 2.15 % up to XX/XX/XXXX then 3.125 % to XX/XX/XXXX then 4.15 % to XX/XX/XXXX and finally 5.125 % after XX/XX/XXXX. " The modification agreement '' further stated that if i do not accept it without alteration I would loose my house to foreclosure. I therefore signed the agreement. In XX/XX/XXXX my XXXX 10year XXXX mortgage eclipsed and it went from 4.32 % interest rate to 6.2 % because as the bank said i had a bad credit and there was no negotiation whatsoever. The result of these interest increases went from $ XXXX/per month to {$1000.00} for my XXXX mortgage and from $ 320/per month to {$520.00} on the XXXX mortgage, a $ XXXX monthly increase in interest and cash flow. I have contacted the bank and asked to refinance both XXXX and XXXX mortgages at a lower interest rate so I can keep my house but i was rejected. My income remains the same as XX/XX/XXXX. I am current with my mortgage now but in 2 months my savings will be depleted and i would probably loose my home. I would like to keep my home and refinance/modify the XXXX and XXXX mortgage back to XX/XX/XXXX levels.
Product: Credit card

I have had cash on demand account with Wells for the past 7 years. While I may have been late on a payment or XXXX about 5 years ago, I have diligently paid the balance and interest every time I have used the card. Two months ago I received a letter stating that my annual fee would be assessed in the month of XXXX, and since that time I have logged onto my account weekly to look for the assessment and pay my bill. Instead, I received a very curt letter in the mail stating that I had not used the account in XXXX or more months and effective immediately my account is closed. 
I called Wells customer service to discuss having my account re-opened and offered to make a debit to keep it open. I was told they would not reopen my account but I could apply for a new account. 
Had I been notified that they were going to close my account if I did not use the card within X days, I would have happily used the card to keep the account open. 
Wells practice is detrimental to my credit score as I have been a paying customer for years, on both this card and my mortgage. By closing this account they have reduced my available credit balance by {$9500.00}. Moreover, asking me to apply for new credit instead of reopening my account will negatively impact my credit score as it will ping my SSN and show up as a new inquiry and new account, which are factors used in all XXXX of the credit bureaus ' models. 
I request that my account be reopened and that the Wells review the fairness and atrocious customer service element of this practice and the harm consumers that are not delinquent.
Product: Checking or savings account

money was sent to weong person through XXXX and i was told i cant get it back
Product: Consumer Loan

Company took out an ACH without my authorization, stated in writing they did and were going to refund, however have not submitted the refund. Because of this, my checking account went negative and I incurred a fee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  IS IN VIOLATION OF LAW CODE 15 USC 1681
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute 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