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

on XXXX XXXX  5/3 bank transferred XXXX XXXX dollars to a person i did not approve of through a XXXX  account. i never used a XXXX account, was not aware of it. i've tried for a month to retrieve my funds, & was told four times it would be redeposited back to my account. i've contacted the attorney general office, fifth third bank fraud department the comptroller of currency. repeated trips & calls to the bank spoke to twenty seven people at the bank but, my money has not been returned. they simply refuse to return my money. can you help retrieve my money please!! thx
Product: Credit card

I have been trying to contact Macy 's customer service about my account and they always hang up on me. All I want them to do is correct my account which they are refusing to do. Whenever I call, my hold time has been over 20 minutes, and then while I am speaking to a customer representative, they hang up ( I can always hear them talking in the background, before they place me on hold again, before even talking to me ). My available credit and my charges do not equal my credit limit, so my a payment was not posted/or taken into consideration. I will never do business with them again once I pay my account off and close it.
Product: Credit reporting or other personal consumer reports

Complaint Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I formally request that TransUnion block the accounts, collections, and hard inquiries identified below from my credit file within 4 business days as required by law. Written confirmation of this request should be sent to me. 

Background : I am a victim of identity theft and the XXXX data breach. My credit report contains unauthorized accounts that negatively impact my ability to obtain credit. 
Violations : The accounts and inquiries violate the following : -15 U.S.C. 1692e : False/Misleading Representations -15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy -15 U.S.C. 1681i : Failure to Investigate Disputes -15 U.S.C. 1681c ( a ) : Reporting Obsolete Information Accounts for Removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Received advertisement in account for opening new checking account and receiving a promotional bonus when depositing {$20000.00} is 30 days and maintaining that balance for 90 days. I met these terms and the bonus was never received. I called customer service and they opened a case for me ( XXXX ). A month went by and I never received any feedback so I called again and they said the case was rejected and there was nothing they could do. This is clearly a case of bait and switch and false advertising. I have included screenshots of the offer details and terms and conditions.
Product: Checking or savings account

as of XX/XX/XXXX, I DEMAND CHEX SYSTEM TO REMOVE THE NEGATIVE ACCOUNT IMMEDIATELY PER : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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 15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Please remove the negative account immediately for I will file a lien against your company, {$1000.00}. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RTN/ACCT # XXXX ORIGINAL CHARGE OFF AMOUNT {$510.00} CLOSURE STATUS : UNPAID CLOSURE STATUS XX/XX/XXXX 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports- ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Form 3949A has been submitted to report the theft on this account as I have never had this account, Demand for validation with form 1099 OID is requested, due to the information reporting return submitted for the existence of this fraudulent account.

Please remove this account, it is not Frivolous, it is inaccurate, and need to be removed immediately. I am the consumer ; I have the right to say what is listed on my consumer credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Pending complaint since XX/XX/2018. Drop this account off my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the XXXXhree credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the correction of the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 properly investigated but how is that possible if the opened date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also the so called debton each report are different and inaccurate This is grounds for removal, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # Equifax XXXX XXXX XXXX XXXX XXXX I also sent out more more disputes again for investigation and was responded with stall emails from XXXX and no response from other bureaus, here are those tracking # XXXX XXXX Equifax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, several letters were mailed to Equifax regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. Equifax responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with XXXX and XXXX about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) XXXX and XXXX were both supposed to report their findings to Equifax. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to Equifax myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to Equifax that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, Equifax still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from XXXX and XXXX.
Product: Vehicle loan or lease

{$5100.00} is the amount left to pay and I told my part of hardship and still Im getting harassed everyday to repossessed after I told them that I would pay up to the 3 months and still the lady said its not enough that I have to pay the entire payment of {$5100.00} that I dont have at the moment. The company is Exeter Financial Group
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to update my XXXX XXXX credit card balance to {$0.00} owed. They continue to report that I have a {$330.00} balance, when XXXX XXXX and XX/XX/XXXX updated this account to report a {$0.00} balance owed some time ago. I have made numerous requests for Equifax to make the appropriate correction, but they refuse to do so. The account number for this phantom account is XXXX.
Product: Debt collection

Company claiming to be XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, FL, XXXX. XXXX. 
Attempting to collect payday loan debt not taken or owed. Citing company I haven't worked for for 10 years. Naming multiple family members names. Claiming wire fraud. Demanding immediate payment. Threat to destroy my good credit rating. Called the creditor they claim to represent and I was informed that this is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my ( 3 ) credit bureaus, the account is Bank Of America.

I contacted them a year ago and submitted a fraud claim, due to the account not being mine. I was informed to move the process along that if I paid the account off, that the account would be removed from my credit reports. 
Not just cancelled, removed permanently. 
I have spoke to several representatives and they have stated that they account should have been removed but it still is reporting inaccurate information to my credit reports. I keep getting transferred over and over again, I need this removed as soon as possible as promised.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Dobt ) for the following charged off accounts listed below. ( XXXX  XXXX XXXX ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There have been several attempts ( letters sent with no response ) to get this information deleted. This account was paid back in XX/XX/XXXX and its still showing up as a collection/past due account with a reported date of XX/XX/XXXX. This account should have been deleted back in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I have written to the company advising them of that under the FCRA 15 U.S.C. 1681 et seq., XXXX is required to furnish accurate information to credit reporting agencies. Under section 623 ( a ) ( 2 ) of the FCRA XXXX XXXX violating the law. See my annexed correspondence.
Product: Credit card

Chime sent emails saying my card was on the way, then another to tell me set up direct deposit. The card is shipping to an old address and was never requested by me. Not sure what kind of scam this is but theres something up.
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewing my consumer report I found that there is a late payment that should not be reporting to my consumer report. This late payment has hindered me from obtaining credit. As a consumer exercising my right, I demand that it be removed.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.
Product: Bank account or service

Our address was used by XXXX unknown people to open a BoA debit MasterCard. Neither has any connection to us or property we have owned for 30+ years. The XXXX envelopes arrived XX/XX/XXXX and we immediately notified BoA by phone conversation and by email, requesting 1 ) closure of the account, 2 ) notification to us that the address was limited to only the XXXX of us, and 3 ) explanation of how BoA eliminated any verification before allowing the fraudulent use of our address. We have had no response from BoA, despite several further calls to its " representative '' XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. He assigned it case number XXXX in a letter dated XX/XX/XXXX, however we have had zero update or resolution from either him or BoA despite this urgent and aging fraudulent identity issue.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX. XXXX, XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Owed : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a late charge off in the amount of {$280.00} from 2018 on my credit report. 
It shows as a negative item and it has affected my ability to refinance my house. 

I have contacted Experian, the car dealership I leased my car and the financial company that reported me, and they both didn't fix the issue. 

I NEVER PAID LATE, I want PROOF from Experian and/or the financial company that I was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my name including the suffix Jr. I have mailed letters, faxed and called for several months. I have sent all requested documents and they continue to not report my name accurately. I have sent government ID, social, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I took out a personal loan with XXXX XXXX XXXX. I walked into the store located on XXXX and XXXX  XXXX in XXXX XXXX. The staff was nice and welcoming, and I took out a {$500.00} loan. I set up a payment arrangement for weekly payments with no missed payments. In XX/XX/XXXX, I was told I had available credit on my account without having to take out and additional loan. XXXX called this a " credit line increase ''. I took advantage of the increase since it was during a time of need. After about six weeks of weekly payments, I had to miss a payment due to health reasons and other finances. Upon checking my credit report, I noticed XXXX marked my previous account as closed and opened another in my name. These are not the terms discussed when the credit line increase was granted. I informed XXXX of this and received no response. My credit score dropped due to this. My payments have been missed for about a month due to the excess interest added to my loan. They've also miscalculated my pay weekly and have me as making {$480.00} per week when my weekly pay is usually no more than {$330.00} per week after taxes. I also let XXXX  know I am on commission and get paid at the end of the month and that's what is used to make payments on my bills. I can not afford weekly payments. By the end of XX/XX/XXXX the loan will be paid off in full, but the interest can not be paid. It is excessive and this is a predatory loan as far as I'm concerned. My income does not match the payment schedule XXXX XXXX XXXX expects and the interest and fees are not able to be paid per my limited income.
Product: Checking or savings account

I originally set up an account with the Bank of the West. I am not confused I am perplexed by the coincidence of my account being open on the account managers computer before I even decide to speak to any account manager while I am in the bank. Suffice to say, I was not pleased with the customer service. I was not pleased with the product services. This was a bad experience all around within the first month of opening the account. I made payments to my account that were not applied to transactions. Bills not being paid with bill pay. I noticed all my payments were going to fees. It seemed only fees were being paid.. Bank fees as well as merchant fees. So, I ended my affiliation with Bank of the West. And attempted to closed the account -> after talking with a customer representative of Bank of the West on the phone ( 1 800 number ) and making one more payment. I say attempted to close my account because apparently the account was not closed. Allowing fees to accumulate for over three more months until closed by Bank of the West. Still Receiving partial refunds ( paper check and credit ) in the process.
Product: Debt collection

Financial assistance has placed a collection on my credit report from an account that is fraudulent. I have filed a police report and the credit bureus attached a copy for the creditors and financial assistance continues to report the fraud account on my file.