23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

Account Status : XXXX : Closed with " Charged off as bad debt. '' XXXX : XXXX shows as XXXX and " Past due 150 days. '' Equifax : Closed with " Charge-off. '' Issue : There is inconsistency in whether the account is reported as open or closed. Since its marked as a charge-off, it should likely be consistently marked as closed across all bureaus. 

Closed Date : XXXX : XX/XX/XXXX. 
XXXX : No closed date listed. 
Equifax : XX/XX/XXXX. 
Issue : The closed date should ideally match or be close across all three bureaus. The absence of a closed date in XXXX creates inconsistency. 

Payment Status : XXXX : Marked as a charge-off with no recent payment status. 
XXXX : Shows " Past due 150 days '' but does not specify charge-off. 
Equifax : Lists " Charge-off. '' Issue : Payment status should align, especially since it's charged off.

Payment History Reporting : XXXX : No payment history is reported ( " None Reported '' ). 
XXXX : Lists a continuous charge-off status ( CO ) from XX/XX/XXXX through XX/XX/XXXX, with a " XXXX '' day late mark in XX/XX/XXXX. 
Equifax : Shows XXXX XXXX late entries for XXXX and XX/XX/XXXX, then no further payment history after that until XX/XX/XXXX, which shows as " OK. '' The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matte
Product: Credit reporting or other personal consumer reports

15 usc 1681 violation.

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

My name is XXXX XXXX not : XXXX XXXX XXXX XXXX These are not my addresses and I have no knowledge of these addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My identity was stolen and I did not inquire with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, EXPERIAN, XXXX IS SHOWING A ACCOUNT ON MY CREDIT FILE REPORTED FROM XXXX XXXX  FOR XXXX XXXX  IN XXXX XXXX XXXX NEVADA FOR {$5200.00} WHICH IS OR WAS A EVICTION THERE IS NO WAY A PROPERTY MANAGEMENT COMPANY IS OWED THIS AMOUNT AND IT IS NOT A EVICTION. I CALLED DOWN TO THE XXXX XXXX XXXX XXXX THAT HANDLES THE EVICTIONS AND GAVE MY NAME AND SOCIAL SECURITY NUMBER AND WAS TOLD THERE IS NOTHING IN XXXX XXXX FOR A EVICTION OR DEBT OWED IN MY NAME. I AD DISPUTED THIS DEBT LAST YEAR PLEASE REVIEW THE COPY FROM THE JUSTICE COURT AND REMOVE FROM MY CREDIT FILE IMMEDIATELY!!!!!!!!!!!! This is fraud and not my debt!!!!!!!! According to XXXX XXXX XXXX this is a old charge off eviction debt that was turned over to collections. Not mine!!!!! Fraud!!!!! Please Remove!!!!!!!
Product: Credit reporting

I went on free credit report site to request my free credit report using the credit bureau transunion. When on the site I asked to save as pdf so that I can read the file. When I tried to open the file I got the following messageCould n't open PDFSomething 's keeping this PDF from opening. 
Go back to the last page I was never able to see my free credit report. The page then went right back to the free credit report request and it would not let me retrieve the report. I never saw my information and then transunion had a an advertisement to buy purchase a monthly screening I declined. Your assistance to this matter is appreciated. 
thank you.
Product: Mortgage

This complaint is about finance of America. They purposely held onto my loan documents & refused to send them to the escrow/title company. I was forced extend the closing date from XXXX/XXXX/2019 to XXXX/XXXX/2019. Which was done on XXXX/XXXX/2019. This left me homeless with no address. I'm a single mom with XXXX year old son. Unable to get a hold the loan officer handling my case, he refusing to return any of calls/text messages/emails. Leaves his office early sometimes doesnt show up at his office at all. The realtor involved has lied & made excuses as to why the process is being delayed. I have tried to work with the office manager  for finance of America, but felt I was being told a story. I feel like this is fraudulent scam & im being taken advantage of, as I have paid for earnest money {$2500.00} cleared my bank on XX/XX/XXXX. Inspector was paid in cash on XX/XX/XXXX. Paid appraisal {$700.00} cleared my bank on XX/XX/XXXX. Now I'm being told that I can't get any of that money back. I was supposed to sign & get my keys on XX/XX//2019. With the lack of communication from the loan officer, this has left me homeless with no money, no address.
Product: Payday loan, title loan, or personal loan

Tide water finance company has reported my purchase of furniture on my credit report as a maxed out credit card. It took  XXXX  points off  my credit score and I  am in the process of closing on my house. My first payment is n't due until  XXXX . As it stands, I contacted  XXXX   XXXX   XXXX , they stated they are unaware of TWFC practices, so they would not be able to inform the consumer of this potential damage. TWFC manager stated, they have no involvement with how their accounts are reported to the credit bureaus, so they are unaware of the damage they are doing to consumers. I informed them that there a numerous reviews on line of customers with similar misfortune. I would never jeopardize my home purchase this way. It is unethical to jeopardize a person 's entire financial future and refuse to offer a remedy. I explained that if I financed a car, it would not show up on my credit report as a maxed out  XXXX  Visa. This furniture account could have been a good line of credit, instead it is a derogatory account, before my first payment is due.
Product: Checking or savings account

On or about XXXX XX/XX/2022, I opened a CFPB complaint ( XXXX ) where I clearly told difficulties faced by me in terms of closing Bank of America account due to noncooperation of Customer service of Bank of America XXXX 
Bank of America didnt provided any response to that. Now on XXXX XX/XX/2022 I am seeing a {$12.00} fees from Bank of America for that account. 
Called XXXX again, after bypassing all the robot based menus, I was told we are facing larger than normal expected volume All customer service associates are busy.called on XXXX XX/XX/2022 at around XXXXXXXX XXXX Central time from my XXXX phone #.
Product: Debt collection

Amsher the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, 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: Checking or savings account

USAA changed the terms of their overdraft policies and provided notice in the form of an electronic communication on XX/XX/XXXX. I had time to glance at it and it was unclear whether it would have an effect on my accounts. On XX/XX/XXXX, I realized that a charge that should have been declined was accepted, and the cascading financial repercussions have led to multiple overdraft charges and fees. 

USAA failed to adequately provide communication regarding the upcoming changes, or a reasonable timeframe within which to alter previous financial commitments. They subsequently refused to acknowledge or make restitution for, or apologize for the serious breach of their previously excellent service. 

I sincerely hope that this is not a sign that USAA no longer intends to operate in the best interests of its members.
Product: Money transfer, virtual currency, or money service

I initiated a {$2600.00} money transfer to XXXX on XXXX XX/XX/2021 around XXXX in westerunion.com. When I initiated the exchange rate displayed was XXXX for transferring to a bank in XXXX from a bank account in US. But after submitting the transfer the exchange rate displayed on the transfer was only XXXX. I immediately came to money transfer page again and checked what is the exchange rate and it displayed XXXX. 
I thought there was some error in the website that cached a old rate and went to another browser to check the exchange rate on westerunion website but the exchange rate for transfers above {$1000.00} was still coming up as XXXX. When I tried {$800.00} it displayed exchange rate as XXXX. 
So what I guess has happened is western union has imposed a incorrect exchange rate on my transfer which should have been imposed on transfers below {$800.00}. 
I was on the call with the customer service agents for almost 2.5hours and they did not agree the glitch in their system, so I decided to submit a complaint to the consumer finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX On XX/XX/XXXX, I received a letter in the mail concerning the unauthorized inquiries on my account. The account in question has been resolved. You did not provide me with the information that was asked for which is " can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. '' You did not do a proper investigation into this claim once again because these accounts are unauthorized and have not been fact-checked. Equifax you are the only agencies that have not removed these errors. It is your due diligence to do a proper investigation. This will be my last notice before taking this to litigation.
Product: Credit card or prepaid card

As a consumer and natural person only I can be the original creditor. Only I the consumer can extend credit with my social security card which is also considered a credit card by law. This allows me access to my open-ended credit plan. 

I have been mislead by CAPITAL ONE. I have a credit balance on this credit card account and i am requesting my refund which is owed to me, the consumer. I have attached proof with federal laws and clear violations under 15 usc 1601, 15 usc 1602, and 15 usc 1666.

I have requested previously and was denied my right as it is my credit that I have extended it.

open ended consumer credit plan means a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. pursuant to 15 usc 1602.
Product: Vehicle loan or lease

Paid off auto loan in full on XX/XX/2022. Have not received clear title or notice of date expected to receive title. My payoff check had cleared my bank immediately. Calling Hyundai Motor Finance gets me NOWHERE!!!!! No option for speaking to a real live person who can tell me what's going on. No address for contacting via email. Who is monitoring payoffs and clear title requests?????
Product: Credit reporting or other personal consumer reports

Violating my rights US1692B and Us1681XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the the company XXXX XXXX & credit bureaus including Equifax. They have yet to remove a fraudulent hard inquiry on my credit report known as theXXXX inquiry from XX/XX/2020.
Product: Bank account or service

Dear Scottrade, CFPB Officials, and the Concerned Public : I am writing to follow up on the unproductive behavior of Scottrade and their affiliates, collectively known as Scottrade. Specifically, in 2013, Scottrade allowed a custodial account held by me and my son to be hacked. Likely in the databreach Scottrade had that led to XXXX XXXX customers having their personal information exposed, ( XXXX ). 

Myself and my son worked diligently in attempts to resolve the situation and worked with numerous other financial institutions involved in the fraud. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and IRS have all agreed that the actions that occurred were the result of identity theft and fraud. However, Scottrade refuses to acknowledge these events as fraud for fear of exposing that their security systems are very poor. 

To warn the general public about the actions of Scottrade, I would invite current and potential customers to Google Scottrade 's customer reviews and I assure you will not want to do business with this type of company. 

For the purposes of resolving this issue professionally, I will be attaching, under a separate cover, the harassing letters Scottrade has sent to myself and my son, absolutely refusing to reopen my account, provide verification of debt, or even provide an original contract copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2024. To remove DUVERA BILLING SERVICE Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 
These are clear violations of my federally proceed consumer rights. 

According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights 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.
Product: Checking or savings account

" Reported : XXXX CHIME FINANCIAL INC, CHIME INC reported IDENTITY FRAUD DISPUTE as INCORRECT, FRAUD/DISPUTE Account Number Ending In : XXXX '' " Claim ID : XXXX, XXXX Claim Amt : {$3400.00}, {$5100.00} Dispute no accredited XXXX '' " XXXX submitted 1099a through IRS to CHIME INC as beneficiary XXXX : XXXX XXXX XXXX to settle the debt '' " XX/XX/2022 IRS accepted amount and instated transfer of credits '' " Hello XXXX XXXX XXXX XXXX This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime Disputes Team '' '' Chime Financial Inc. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been using Paypal for the past few years to accept payments from clients for my XXXX XXXX and XXXX XXXX XXXX. It is one of the platforms I used, and only use it about 30 % of the time. Payments via the platform typically range from $ XXXX {$6000.00}. 

This month, XXXX, three clients opted to use PayPal to complete payments for my XXXX XXXX for total balance to approximately {$13000.00}. PayPal initially held on to the funds for 3 days before they could clear. PayPal later asked for proof and documentation regarding the nature of my business and ability to provide the paid for services. I provided copies of my professional licenses and driver 's license, as well as links to my website where all the services are outlined. I also explained that the funds are retainers paid for court evaluations. However, PayPal determined that the information was insufficient. Twice they asked for more information. Each time they came back asking for more after discounting my answers. They have not identified their concerns. 

The current requests are copies of bank statements and signed contracts between myself and my clients. I have declined to provide that information, cancelled all the transactions and requested that my clients be refunded. PayPal did refund two of the transactions, but kept the funds for the third transaction of {$5700.00}. Instead, they issued a check from my business bank account linked to my PayPal account while withholding the client 's payment. 

I have requested that my funds be returned, but to no avail. Their actions are doing harm to my small business. I have been in this line of work for 8 years and have worked hard to be able to get such contracts. This back and forth with payments will cause clients to doubt my professionalism and hurt my reputation. 

I am asking for Paypal to refund {$5700.00} as its services were not used for any transactions. I no longer wish to engage with the platform and will be closing my account.
Product: Checking or savings account

I had direct deposit scheduled on XX/XX/23. To CASH APP. I accidentally left off last 4 numbers on the acct numbers, they won't give me any information on where the money went. Also I had a XXXX XXXX charge that later updated to XXXX, they have not refunded the XXXX yet and its been 10 days
Product: Checking or savings account

Lost my debit card Also need to make @ least 2 internal transfers and been on the phone over 30 min & no closer to anything being accomplished Pretty sure I even missed a call from the police while they were XXXX around
Product: Debt collection

XXXX is reporting a collection debt from I.C. SYSTEM, INC for about 3 months now. This collection comes from XXXX with an amount of {$990.00}. The contract with XXXX was canceled in the same day and returned all equipment in the store. I also received the refund in my bank account for the paid but not used equipment. I.C. SYSTEM, INC is reporting XXXX opened : XXXX Status Date : XX/XX/XXXX Balance Updated XXXX ( every month they're updating the balance ( they never contacted me at all yet ) Also this collection debt was sold from XXXX to XXXX XXXX XXXX, the account was disputed via XXXX XXXX and deleted on XX/XX/XXXX ( see attached documents ). After deletion, AFNI ( another credit company ) bought the account and started reporting on early XXXX. I reported it again and the account was deleted on XX/XX/XXXX ( see attached documents ) Now again the account was sold to I.C. SYSTEM that are using fake dates to lift the impact on my credit score.

A few days after I.C. SYSTEM reported it for the first time, I reached via phone to dispute it again. Disputed more than 2 months ago. Since then, I'm trying to reach XXXX to follow up on the dispute and I can't get any person to talk with and nothing has been changed.
Product: Checking or savings account

On XX/XX/22, we noticed an {$8100.00} withdrawal from our checking account with First Horizon Bank. Upon further inspection, we saw that a check we had written to the utility company XXXX XXXX XXXX, XXXX, and XXXX ) for {$220.00} was changed to {$8100.00} and the payee changed to XXXX XXXX. This check was originally deposited into a blue USPS mail box at the XXXX Tennessee XXXX XXXX. We immediately notified First Horizon who told us to file a police report with the XXXX Police department. We filed a police report and completed an affidavit at the bank on XX/XX/22. We were told by the bank it could be 3-6 months before we receive our money back. At the end of XXXX, the detective for the XXXX police department informed us that she had completed her investigation and turned the investigation over to the US Postal Inspectors. She stated there were multiple victims and all had received their money back except us. She said she would email her contact at First Horizon to inform them. We called First Horizon to inquire about our funds who told us the investigation is still pending, and that the check was deposited into an ATM at XXXX XXXX XXXX, so they are waiting on XXXX XXXX XXXX to give the money back so they can credit our account. We were also informed that only a branch manager can provide a provisional credit. We called the branch manager who said she will not provide us a provisional credit for this amount. We have been banking with First Horizon for over 50 years and have always had our accounts in good standing. We have filed two complaints with First Horizon XXXX XXXX on XX/XX/22 and XX/XX/22. On XX/XX/22 a First Horizon representative told us that she spoke with security and they said we need to call XXXX XXXX XXXX and ask them to give our money back because XXXX XXXX XXXX  will not speak to a 3rd party. This answer is unacceptable. On XX/XX/22 we received a letter from the DOJ victim notification system informing us that the person responsible for the stolen check has been in XXXX XXXX Custody since XXXX and has a court date in XXXX. The defendant is charged with robbery or burglary- mail, money, or other property of United States and theft or receipt of stolen mail. We again informed the bank on XX/XX/22 to prove to them we are victims. They asked that we send them our victim notification letter as proof. I have asked multiple times to speak with someone in security but never receive a response. Our funds are being withheld from us by our own bank and we have been told its up to us to get our funds back from another bank who we do not have accounts with.