23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 6th attempt to contact XXXX, and my 3rd complaint with the CFPB regarding misleading, incorrect information on my credit report and I have become emotionally stressed by the fact that XXXX isnt reasonably investigating and fixing this matter. This process has caused me time, stress and opportunities. 

According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX/XXXX ( Account : XXXX ) be reinvestigated and deleted from my credit report. On XX/XX/XXXX, you stated that you can not delete the information, and that the item had been sent for review on XX/XX/XXXX, and on XX/XX/XXXX it had come back as verified. How? I did not receive a contract with my original signature on it, or any binding agreement that would authorize XXXX/XXXX to report information under my name and social security number. 

Let me be clear. I am requesting that a contract or written agreement with my signature on it be furnished by XXXX/XXXX within 15 days. If a written contract with my signature on it is not furnished within 15 days then I demand that this account be deleted from my credit report. By not providing me with a signed written contract, you and XXXX/XXXX are in direct violation of the FCRA. I have been carefully documenting your willingly noncompliance and have filed a complaint with the FTC. If you fail to conduct a reasonable investigation then I will be forced to file a complaint with the Attorney General in both my state and yours. Please delete this misleading information and supply me with a corrected credit report within 30 days.Thank you.
Product: Credit card or prepaid card

What happened - 1 ) On XX/XX/XXXX Bank Of America closed my {$9000.00} line of credit cards without notifying me and my credit score was dropped by 41 points because of that. I have that credit card since 2015 without ever being late and always have my auto pay set up from bank of america checking account. Amount due was only {$180.00} where as I have a balance in my checking account {$70000.00} + 2 ) On XX/XX/XXXX Bank of America reported 30 days late on my credit report and my credit score dropped by another 45 points because of the reporting. Because of their own glitch in the system due to Covid-19 and high volume of traffic they could not process the payment even though I had auto pay set up. 
What I did - Since XX/XX/XXXX I have been trying to get hold of BOA over the phone to let them know I might delay my payment because of pandemic. After continuous 2 weeks of trying nobody answer the phone over two hours of waiting and automated message. Finally I got through by email in 1st week of XXXX and they have accepted my request and even after accepting request they have reported late in my credit report and closed the credit card??? By doing so they have ruined credit and now I can't get my house refinanced!!!
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX ACCNT # XXXX XXXX ACCNT # XXXX
Product: Debt collection

Im reaching out to file a serious complaint about Fair Collections & Outsourcing , Inc. ( FCO ), which has placed a fraudulent collection account on my credit report. This alleged debt is completely inaccurate and has caused me significant harm, both financially and emotionally.

I have never done any business with FCO or agreed to any debt collection arrangement with them. I have no knowledge of the alleged debt they claim I owe, yet FCO has reported this to the credit bureaus, damaging my credit report and creating unnecessary complications in my financial life.

Heres what Ive done to try to resolve this issue : Disputed the debt : I filed disputes with the credit reporting agencies.

Filing this complaint : After exhausting other options, Im asking for your assistance in holding FCO accountable.

I urge the CFPB to investigate this matter thoroughly and require FCO to : Provide concrete proof that this debt is valid, including any signed contract or agreement linking me to it.

Show clear evidence that the debt was assigned or sold to them and that I agreed to pay them directly.

Provide complete account statements showing how the alleged balance was calculated.

Immediately remove this false information from all credit reporting agencies. 

How This Has Affected Me : This fraudulent report has damaged my creditworthiness, preventing me from securing loans and financial opportunities. It has caused unnecessary stress, frustration, and a loss of trust in the accuracy of my credit report. 

Key Information : Alleged Creditor : XXXX XXXX XXXX XXXX Collection Agency : Fair Collections & Outsourcing , Inc . 
Collection Account Number : XXXX I kindly request that you address this matter promptly and take the necessary steps to ensure that FCO is held accountable. My financial and emotional well-being depends on the resolution of this issue.

Thank you for your attention. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I initiated a transfer of XXXX XXXX ( ( ~ {$15000.00} worth of the digital asset Binance XXXX ) from my personal digital wallet to the BinanceXXXX account wallet in order to sell the currency for cash. 

My personal wallet had two options for selecting which blockchain to use. I accidentally sent the XXXX assets via " Binance XXXX XXXX '' instead of " Binance XXXX, '' a confusing process which is not clarified on their website. The assets were not sent to my BinanceXXXX XXXX as expected, but instead went to a different wallet. 

Here is the Ethereum transaction ID which shows that the assets were sent to " XXXX XXXX XXXX '' which is an administrative wallet owned by BinanceXXXX. 
XXXX I immediately opened up a support ticket with BinanceXXXX to explain the issue and I provided them with the information and confirmation video/screenshots at their request. They said my issue would be eventually resolved and my assets would be credited back to my wallet, but it has been over 4 months and no resolution. 

Throughout this time I reached out via email multiple times, and multiple social media platforms. Support reps have said to me multiple that my issue was " escalated, '' but nothing has come from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX  XXXX  XXXX  appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX  XXXX - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX/XXXX made an unauthorized Inquiry on my Experian and XXXX REPORT! 

But XXXX/XXXX has AGREE to Delete this Inquiry! 

Please send ATTACH letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
While Ive experienced this with experian I would like to include XXXX more TransUnion and XXXX as well I had the same experience with them as well
Product: Debt collection

I have two credit cards that were suddenly sold to a debt buyer known as Midland Credit Management Inc. I am here to state that the two original creditors, hereafter known as XXXX XXXX and XXXX XXXX XXXX did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into XXXX dollar plus securities agreements. Midland Credit Management is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX
Product: Checking or savings account

XXXX dollars was deducted from my checking account in the form of a " Monthly Maintenance Fee. '' The bank says I can avoid the fee if I maintain a balance above {$1500.00}, have a direct deposit of {$250.00} or more, or enroll in preferred rewards. I was charged the fee on XX/XX/18.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Debt collection

this debt is being continually handed to different debt collectors because Bank of America will not settle this debt on terms less than a figure they have decided on unilaterally
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial Dispute sent approximately XX/XX/XXXX Via XXXX XXXX 2nd Dispute sent approximately XX/XX/XXXX Via XXXX XXXX I have included all accounts in question. And since this credit bureau chooses again and again not to perform a complete investigation. I am sent this as an official complete before seeking out legal aid in hopes of good faith that Equifax will delete these accounts off of my credit report due to these errors and violations. I am hoping CFPB can assist me. 

- XXXX - XXXX  Multiple Errors 1. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 2. Dates wrong in every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 2 counts within this listing of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$2000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


- XXXX XXXX XXXX  ( 5x ) 1. Duplicate account shows 5 times DELETE ALL ACCOUNTS DUE TO ERROR 2. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 3. Dates wrong in every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 3 counts within 5 listed accounts ( 15 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$15000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS FOR : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX ( 1 ) This 4 accounts above where NOT investigate in time. It is now 60 days past my original dispute date. ( 2 ) THESE ACCOUNTS NEED TO BE DELETE IMMEDIATELY DUE TO A CLEAR VIOLATION OF THE FCRA. ( 3 ) THESE ACCOUNTS ARE NOT VERIFIED. ( 4 ) THESE ACCOUNTS HAVE NOT BEEN REVIEWED IN A COMPLETED INVESTIGATION. ( 5 ) THESE ACCOUNTS HAVE NO METHOD OF VERIFICATION. There are 5 counts within 4 different accounts ( 20 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$20000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


There are is GRAND TOTAL OF 37 counts within 9 accounts listings of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$37000.00} in damages minimum alone. THIS IS A VERY SERIOUS MATTER. Your attention is of the most importance please. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council and seek out 100 % of my remedies.
Product: Checking or savings account

On XX/XX/XXXX, I found out that my checking account where I receive my salary and keep my savings was closed by TD bank without delivering any notice to me. After reaching out to their call center, I was told to contact the local branch where I had opened my account. On XX/XX/XXXX, I called the TD Bank on XXXX XXXX XXXX XXXX, XXXX, SC and spoke to the branch manager XXXX XXXX XXXX who stated that the reason for closing the account was that I had not updated my ID with their bank for the past two years. He claimed that it was the law and the banks policy and the clients responsibility to provide their bank with updated copy of their ID even when not requested. He claims to have sent me a letter and left me a voicemail which is false and I have not received any communication from him. 

Apparently, he had sent the letter to my old address even though TD bank had my updated address on file ( this was later confirmed by the call center and in the adress change confirmation message I received in XXXX ). He stated that he is absolutely unable to help me in accessing my money and that I should call the De-marketing team by phone and ask them to recover the funds. I called their number, but I can only leave voice messages. They have not responded to my message after 2 days. I called the TD bank call center and they informed me that they will try to reach out to the particular team and I was told to expect a check with the remaining balance on my account to arrive at least after two weeks from XX/XX/XXXX and that it is supposed to be sent to my new address but they can not confirm and will request that. 

I am currently locked out of all my cash for more than a week and unable to pay my expenses, bills and rent. I need immediate access to my money. 

I can not wait any longer to access my money as I am falling behind on payments due to TD Banks fault and mismanagement of my account. 

TD account details Routing # : XXXX Account # : XXXX
Product: Checking or savings account

I used my Bluebird card for XXXX XXXX hold until I returned the car. XXXX released the funds and Bluebird is giving me the run around telling me different stories, one being that XXXX did n't release the funds yet, and another being that it was released but American Express requires the funds to be held for 30 days. Also when I called Bluebird, I had to call back about four times because every time I asked to speak to a supervisor, I was hung up on by the representative.
Product: Debt collection

Hyundai Financial is trying to collect a debt that I was not informed, and was not aware of. Returned my car lease at the end of the term, and was told everything was good to go, my miles was ok, and inspection of car passed. I moved from XXXX  to XXXX  during Co-Vid, and did not receive a proper explanation in a phone call, or letter before I left to XXXX  explaining what is the charges, as for me knowing that car was returned ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB Nos. XXXX and XXXX  XXXX XXXX Account Nos. ending -XXXX  and -XXXX  Reference account number ending XXXX  in the company 's own words " Vehicle-1 was deemed a total loss on XX/XX/XXXX. Your last payment prior to the total loss of {$600.00} was received by XXXX  on XX/XX/XXXX. '' The statute of limitation on debt is seven years. I reside in the state of GA. The state of GA statute of limitation is four years ( OCGA 9-3-24 ). XXXX XXXX  response shows the last payment made on XX/XX/XXXX. Today is XX/XX/XXXX which is beyond the seven-year as well as GA Law statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The end of last year, I went through a refinance on a property in XXXX AZ with XXXX XXXX, XXXX is the loan servicing. I set up autopay the same I had it before the refinance and without notifying me, they removed it as my payment for mortgage. As a result, I have a 30 days missed mortgage payment which drastically dropped my score. I tried to dispute and they came back saying it was accurate reporting. It was accurate, but the only reason it was reported as late was due to their error in removing my autopay without notifying me. They said they sent mail, but I did not receive any mail correspondence because I would have acted on it as soon as possible, as I do everything I can to make sure my credit is solid. That mortgage is now paid off completely and I have never had a missed payment before of any kind. XXXX said my only hope was contacting the credit bureaus to get it reversed. Every month since XXXX of this year, I have submitted a dispute but the answer remains the same and they will not change it. This wasnt my fault and I dont know why I have to be penalized for it. I never got a call, never got an email, and nothing in the mail. I dont understand how I could have possibly known they cancelled my autopay.
Product: Money transfer, virtual currency, or money service

XX/XX/year> a company charged me for {$29.00} and cashapp denied my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquiries that are not mine. I called to dispute these and met a ton of rsistance no cooperation. I sent three certified letters. One for each inquiry ( certified mail ). These requests have gone ignored which is very consistent with Experian 's culture. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Mortgage

I went to make a payment on the XXXX of XXXX and I found out that they would not accept my payment because my house is in foreclosure. I never received any notice of foreclosure and now they are telling me I did not make my payment in XXXX of XXXX. Why did it take 10 months? I also texted them in XX/XX/XXXX when I found out my payment did not go through. I texted them to ask why they did not take the payment out and they responded to me by text and they said that I only agreed to XXXX payment. But I asked them to take out XXXX, XXXX and XXXX of XXXX. They said that I only agreed to XX/XX/XXXX but they took XX/XX/XXXX out. When I asked and they would not give me the correct answer. I called again and they repeated that i only agreed on XXXX. But why did they take XXXX out? 

My Mortgage payment has changed three different times in the past year. I did not know until I had called and made a payment that it had changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is using my information without my consent and still can not provide proof that I allowed permission for information to be used with my credit report.According to 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. it states Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness. And as shown no updated credit report has been place I demand these inquiries be removed from my credit report. 


According to 15 U.S. Code 1681a - Definitions ; rules of construction - 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 there for this is illegal
Product: Student loan

First college I attended was a scam like reported in news and media. Poor teaching, poor education, and poor internship. The was no high paying job as a clinical medical assistant as promised. Prospective jobs did not recognize the college. XXXX college credits did not transfer from this college they are worthless credits. XXXX closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED, Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while ago, I contact the credit reporting agencies about XXXX XXXX inaccurate account balance and my concerns were ignored. 

I informed the credit reporting agencies that XXXX  account balance is {$0.00} and not over {$27000.00} that was reported at the time of dispute. I requested for the account to reflect such or be deleted from my credit report. 

To date, the account has been closed and the balance was updated to {$21000.00} and not {$0.00}. 

Per the FCRA, credit reporting agencies suppose to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history and they failed at doing so. 

Attach you will find a close up of my Equifax credit report, which I found in my cell phone photos of XXXX XXXX balance amount {$0.00}. 

XXXX XXXX XXXX XX/XX/1970
Product: Credit reporting or other personal consumer reports

Theres a credit inquiry from XXXX XXXX XXXX in XX/XX/XXXX that I did not attempt. Also there is a credit inquiry from XXXXXXXX XXXX in XX/XX/XXXX that is not mine. Along with a credit inquiry from XXXX in XXXX of XXXX. All of which are not mine. I did not attempt these. I will be filing a law suit for inaccuracy in the reporting of my credit profile. So I ask that you remove these XXXX inquiries asap or XXXX proceed with the lawsuit.
Product: Debt collection

In reference to account number # XXXX from 11 XXXX open on XX/XX/18 $XXXX  is the amount that is started that I owe to this company. I have filed a dispute with the credit bureaus. That I did not open this account nor is this my account. It was open fraudulent. And with out my knowledge.