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

XX/XX/2022, I sent a wire transfer of {$18000.00} to Discover Bank from XXXX XXXX XXXX Bank. The wire was denied due to my married name not being updated on my Discover account. Discover Bank then sent it back on XX/XX/2022. Unfortunately there is no accurate documentation to confirm that transaction was made. XXXX XXXX XXXX has attempted multiple times this week to get in touch with Discover Bank, but the wire department is not responding to XXXX XXXX. I was also told I would receive a generated form that provided information regarding confirmation and tracking information for the return, but have not received that information either. The Customer Service line has been wonderful in attempting to assist with me this issue, however, Discover Banks Executive Office has been refusing to respond to me personally to emails and return phone calls with voicemails left with them in order to get updates on this investigation. It has been 9 days since I have heard from Discovers investigation team. Communication from Discover Banks Executive team and wiring department have been making this situation seem there is fraudulent activity going on and they are withholding my funds. This issue has been escalated so far, I have had to pursue legal action against Discover Bank. I am frustrated and emotionally distraught because of this situation.It has been a MONTH since Discover supposedly sent the funds back, but can not provide accurate information regarding this.
Product: Money transfer, virtual currency, or money service

In XXXX, we got a call by the Chase bank on XX/XX/XXXX that they has cashed an IRS check dated XX/XX/XXXX for XXXX ( our company tax return check ) and advise we contact IRS to reissue a check to us. IN the phone call, they provide us with the check number and issuer and the person who cashed the check. 

We had reach out to IRS through our company accountant and submitted a 3911 from and follow up on the re-issued check since then. We have follow up twice on XX/XX/XXXX and XX/XX/XXXX We had finally received a respond from IRS that the check has been cashed, so the case is closed on XX/XX/XXXX. 

We have reached out to Chase and the branch manager search their record and shows the account has been closed by chase and flagged as account with suspicious activity back in XXXX and not active. I was advise they can't further assist me since I don't have an account with them. 

Chase has cash a government check that is not negotiable to a person that is not my name and is not responding to my request to have any further clarification or assistant, and said the only check issuer ( IRS ) can request information on this matter. 
It is my understand IRS will not act on this if they never report this to IRS as a check that has issue. 

Please let me know if you can assist us since we have not getting any
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for XXXX XXXX XXXX - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX ] for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter.
Product: Credit card or prepaid card

I had disputed an amount for airline tickets because my flight was cancelled by XXXX XXXX. After months of faxing the supporting documents for my dispute, I was finally issued a credit on my account for the amount disputed in XXXX. Today, I received another letter, stating something different ... that there has been an update on the account and the update states that I was issued a courtesy credit instead of a credit because so much time had passed since my initial dispute ( due to Chase taking several months ). The Update states that the account of courtesy credit will now be sent over to the IRS as forgiven debt and I will have to pay taxes on {$4000.00}. I had a long conversation with LiWay tonight who advised me there was nothing Chase could do. Please advise on how to proceed. I dont believe I should have this tax liability on a trip that was cancelled by XXXX XXXX back in XXXX. Thank you, in advance for your help!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Mortgage

My previous complaint was supposedly resolved and yet my transunion account was NEVER updated to show no late payments. This is a constant thing with this company. They asked me to wait 30 days and its been well over that. My payments were never late as agreed in all XXXX complaints. I want this resolved so I can move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as i did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your EARLIEST CONNIVENCE. I actually have security freeze on my accounts. which should have alerted me prior to my credit being ran. I did not receive any alert or notifications that my credit was being ran for these accounts which is very disturbing. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as i am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's identity Theft Affidavit in regard to this incident. Please investigate these matters and remove these inquiries.
Product: Debt collection

Throughout the month of XX/XX/XXXX, I applied for several apartments because my children and I needed to get our own place, but our applications kept getting denied due to our rental history. We haven't lived anywhere in many years, except with family, due to a major illness that I acquired about 5 years ago. So the last place I applied to, I asked, and they informed me of the place it came from. Per XXXX Rental history, it stated that owed money from a place I rented back in XXXX. It also had the address listed. The information is incorrect. I've reached out to all XXXX credit bureaus. disputed and also the company that does the rental history for XXXX ( XXXX ) to inform them that this info was incorrect, but it has not changed and is still listed on my report and not allowing me to obtain housing. When I left the listed address, I didn't owe anything. I've provided XXXX 's to verify that the address was too old to be on this report. My credit reports say {$570.00}, but my Rental history report says {$570.00}. I want all of it to be removed as soon as possible. If I'm correct, conflicting information should be removed. Am I not correct?
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and permanent deletion of specific accounts and inquiries from my credit report due to a recent data breach that has compromised my personal information. 
I am a victim of identity theft and, as such, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have all fraudulent information removed from my credit file.

Please block and delete the following accounts and inquiries from my credit report : Accounts to Be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries to Be Removed : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Name : ( XXXX XXXX ), Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( Office of Attorney General Account # XXXX account opened XX/XX/XXXX ) ( XXXX XXXX Account # XXXX account opened XX/XX/XXXX ) ( XXXX Account # XXXX opened XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XXXX  XXXX ) ( ( Autobyzack XX/XX/XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I recently noticed a negative remark on my credit report indicating that a payment was missed. However, I was never alerted or notified about this late payment before it appeared on my credit report. The SAME day it appeared on my credit report, I called into Kia to inquire about what happened. I then made all alleged late payments owed to make my account current with Kia.

As a diligent and responsible customer, I rely on timely notifications to manage my payments effectively. I never received any indication that the times I logged into the online portal to make my payments like I have been since XX/XX/year> that the payments were not properly applied to my account as expected. The lack of such communication from your end is a significant concern. 

I understand that maintaining accurate and up-to-date records is essential for both parties. Therefore, I trust that you will investigate this matter promptly and make the necessary adjustments to my account and credit report. I am confident that this is an isolated incident and hope to continue our relationship based on mutual trust and timely communication. 

I have NEVER been 30 days late with ANY of my accounts in all my XXXX years being a consumer. This negative reporting to the credit bureaus caused me significant personal harm including an XXXX point DROP to my credit scores, downgrading my credit status from " XXXX XXXX XXXX XXXX XXXX '' across all 3 bureaus and most importantly this mistake caused my daughters student loan application to be denied as I am her only qualified cosigner. 

This mistake has cause significant financial harm to my family. The effects of this mistaken negative reporting will cause financial and emotional strain on my family that will be felt for generations if this is not corrected immediately. My daughter wants to attend college. I have ALWAYS been extremely diligent about maintaining exceptional credit as I knew I would need to use my credit to send my children to college one day. 

As you can see from the document attached I had EXCEPTIONAL credit until this was reported to the bureaus on XX/XX/XXXX which is the same date I called into kia to find out what happened and also made payments customer service said were not applied to my account properly. 

Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your understanding and cooperation.
Product: Debt collection

I received first communication from Gordon, Alyworth & Tami, P.C. via process server with a summons and complaint on XX/XX/2023. I responded to the complaint on XX/XX/2023 along with a request for debt validation via certified mail and I filed my answer to complaint with the XXXX XXXX District court on the same day. It has been 2 months and and I never received a response to my validation request. It is now XX/XX/XXXX and I received 2 documents in the mail, Plaintiff 's request for admission and Request for production of documents. I requested for productions of documents first and was completely ignored and I never received a letter regarding my debt validation rights after initial contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

l first tried calling Equifax at XXXX XXXX to unlock my freeze for a limited time. The system barred me from unlocking my account. I went on line to www.myequifax.com. I entered my email address and password and was blocked from accessing my account through that means. I was instructed to call XXXX XXXX. I called and after identifying my self with multiple questions about my credit history I was finally permitted to speak with a representative who asked many more very detailed credit questions which I answered correctly as I had my documents in front of me. Again I was refused my request and then was informed that I had to send in three items to them for verification, my license, my social security card and a letter describing what I wanted. They explained it would take up to 10 days to clear my record. I asked to speak with a supervisor who stated the same thing I explained that I only wanted to unfreeze my account for several days and that if I faxed in my items, I would have no idea as to when to tell the bank that they could check my credit. She apologized but said she could do nothing. She suggested the things I had already tried ... to go into myequifax website or call for technical assistance at XXXX XXXX. I advised her I already tried both and that Equifax 's System is broken. I asked to speak with a manager because I felt it was important for them to know that their system had issues and that waiting for up to 10 days to receive clearance is totally unacceptable. She claimed to have connected me and so far I have waited 58 minutes to serve that end. I will wait for two more minutes and then I will hang up. I hope you are able to fix their system which is not working for anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Bankruptcy docket # XXXX don't belong to me sent letter from courts to Experian, and XXXX about this matter XXXX  times within XXXX  months ago.
Product: Debt collection

I was served with legal papers for a debt that was sold without my consent and knowledge violating all legal rights to private information such patient identifiers.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>