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

I am writing to express my deep frustration and disappointment regarding the charged-off accounts that continue to appear on my credit report. I have previously disputed these accounts on multiple occasions, providing detailed explanations of the Fair Credit Reporting Act ( FCRA ) violations that have been committed against me. I have now taken the extra step of highlighting these violations with supporting exhibits and attached documents in this complaint. Despite my efforts to rectify this situation, these charged-off accounts persist on my credit report, causing severe damage to my financial standing. I strongly urge you to thoroughly investigate this matter, rectify the FCRA violations, and ensure that my credit report accurately reflects my financial historyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Opened Citibank checking account with {$200000.00} because of their {$1500.00} incentive After meeting 2 month requirement I attempted to transfer money out of the Citibank account Was limited to $ XXXX per day so initiated multiple tranfers over multiple days 2 of the Transfers were redeposited back into my CB account ( supposedly because of a CB internal error ) and 3rd one was cancelled due to security alert ( I responded with all requests for information regarding security alert and was informed it was approved ) I have complied with every request but it is clear CB is simply stalling my transfers in order to keep the {$200000.00} in their bank I am also being charged for $ XXXX {$40.00} for transfers that were not completed
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my XXXX credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act ( I C System ) ( 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: Money transfer, virtual currency, or money service

I sent {$600.00} to my brother through bank of Americas XXXX transfer service to his phone number that is linked to his XXXX XXXX account. The money was placed on hold by Bank of America for around a day. It then said that the transfer was completed. However, he never received the money. He also never received a text or email asking him to accept the transfer. He checked in both his bank app and his XXXX  app to ensure the phone number and account were correct and there was no evidence of any transfer request. I tried sending him a smaller amount to the same number and it completed with no problem. I initiated a dispute through Bank of America after waiting a week at their advice. They said they would look into it. The dispute never showed up in my open disputes menu, so I had to call them every time I wanted to check its status which I did around three times. Eventually I got a letter saying that the dispute was rejected but that they had contacted his bank to continue the investigation on their end. He then called his bank and they said they have not been contacted by Bank of America regarding this matter. They dont have any record of the transfer or the money in relation to his account.
Product: Checking or savings account

Navy federal has messed up both my business and personal accounts on several occasions. The most recent was an issue with my business account where transactions aren't shown in real-time. The check and each transaction that are returned do not show up on your account and you are notified three days later not leaving the bank account holder any room for errors. I was told that I needed to get a letter stating that the transaction was unauthorized and that they would refund my fees. I provided the letter and only one fee was returned as of this date. The company previously made a mistake with another disputed transaction that cost my business XXXX dollars. If this is not resolved we will file suit against Navy to settle our disputes with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I hae been a victim of identity theft since XXXX. I am also a victim of the XX/XX/XXXX data breach of XXXX. 
someone used my information to get medical help and accumulated a debt of {$1100.00}. A collection agency ( Paramount XXXX XXXX  '' placed a collection account on my three credit report. the account is fraudulent and i have reported it to the FTC as such. I contacted the collection agency, the three credit bureaus asking them to remove the collection account from my report per the fair credit reporting act section XXXX. Only XXXX removed the account within 4 days. Both XX/XX/XXXX and XX/XX/XXXX started a " general dispute '' tat takes 30 days and they refused to discuss the reason behind that. I have uploaded all the supporting documents to all involved parties and I feel thatXX/XX/XXXX and XX/XX/XXXX are hurting me by keeping this fraudulent information on my credit profile.
Product: Payday loan, title loan, personal loan, or advance loan

Ive been making payments for almost a year from a prepaid card. After calling the company and explaining their system constantly rejecting my form of payments they informed me they are now only accepting cards from majors banks.which I dont have. They are continuously reporting payments as late on my credit which its not because they changed their payment policy and didnt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX Card- Account Number XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 


Best Regards, XXXX : XXXX XXXX Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOWS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USD 1681 THE ACCOUNTS BELOW HACE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCYU CAN NOT FURNISH A ACCOUNT WHITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( a ) 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 DELETE THE ACCOUNT BELOW : XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have asked the reporting agency to provide me with the methods of verification they used to validate the inaccurate reporting that is reflecting on my credit profile. My requests were sent on XX/XX/XXXX and again on XX/XX/XXXX. To date, I have not received any documentation supporting their claim of the validity of ownership of the accounts listed below. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

They transferred the loan to another branch of their company XXXX XXXX XXXX. When they removed it off my credit and caused it to drop my score nearly XXXX points. They keep telling me it will update in 30 days since XX/XX/year> and it hasnt. I reached out to Experian and uploaded the documents needed to show it as an active current loan, but they still haven't marked it as such even though they're investigation is done. This is impacting my credit rating in preventing me from being able to refinance and a better rate. I feel that they're doing this to keep getting the current rate from me that they are.
Product: Mortgage

After the impact of hurricane Florence here, I was placed into forbearance in XX/XX/2018 to get back to normal. During the time of trying to research our situation, I was notified by the insurance company that was supposed to be providing wind and hail insurance, that coverage had been cancelled due to non payment from the escrow account of the mortgage company ( Pennymac ). No notifications had been presented to me and the mortgage company was completely unaware of the situation. This insurance is required for our geographic area. No force placed insurance was offered or placed on the property which lead to all damages that happened during the natural disaster had to be paid cash out of my pocket. While under forbearance I was interviewed around the 90 day mark and not made aware that credit reporting was about to start happening while my family and I still tried to get back to normal while saving to do repairs that were not covered by the negligence of the mortgage company. No attempt was made by Pennymac to help me recoup the costs of their mistake and was left out to dry trying to save for repairs from the storm and was left out to dry damaging my credit report. 

Also I have discovered that I was reported 30 days late for the month of XXXX when payment was received ( paying the load off ) on XX/XX/XXXX. Due to the property being under contract and the account needing to stay untouched I did not make a payment thinking the money would be presented to the company on time. My usual due date was the XXXX of every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recurring dispute of medical collection item, XXXX XXXX on behalf of XXXX XXXX. In XX/XX/2023, I mailed a request for verification of debt. Neither company responded. As a result, I submitted a CFPB complaint in XX/XX/2023 which the company has yet to provide verification. The problem arises, because I have also disputed this bogus account with all ( 3 ) credit reporting agencies, and somehow the credit reporting agencies and XXXX are validating the debt. I don't understand how the debt is being validated when it is approaching ( 4 ) months of no response to my validation request. This is a blatant violation of consumer rights. XXXX, XXXX, and Experian- should not be accepting validation of this debt. I want this account removed. I have attached a timeline record.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan for {$600.00} and it said repayment would be {$900.00}. After signing the documents it is now saying I owe over {$2300.00}. This has to be stopped I will be doing an ACH stop request as well.
Product: Debt collection

The company calling me keeps saying that I owe them money for a Lowes account. I called synchrony Bank and spoke with them and they said that my account was closed in XXXX  in good standing and it was closed because I had not used it in multiple years. This company is calling me saying that I owe them {$1500.00}. The credit limit of the credit card was {$300.00} and it closed in good standing 15 years ago.
Product: Debt collection

Inaccurate payment history reporting, Inaccurate amounts owed, reporting different amounts on all three credit reports. Reporting as pass due on a collection account. Account being reported charged off and paid on time simultaneously in the same month. Account reporting as collection and charge off simultaneously from two different companies. I disputed this account twice and it still returns as account verified even after sending documents and copies of my credit reports showing the inaccuracies and violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. 

XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX # " " " " XXXX XXXX {$99.00} XXXX XXXX # XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX # XXXX {$2200.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. 

These accounts are also in violation of the precedent set by XXXX vs XXXX, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. 

And that is on top of all of the reporting violations and inaccuracies that I have found. 

I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. 

They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. 

I have written them several times, all to no avail. They willfully and continually violate my rights under Federal law.
Product: Bank account or service

I deposited my pay check ( from local XXXX service ) in the amount of {$600.00} into my Well Fargo Checking Account on XXXX XXXX, 2015 ( I am Account holder for over XXXX years ). I am providing a copy of cashed check from employers XXXX Account showing check cleared his bank on XXXX XXXX. 
Wells Fargo has credited my account with {$200.00} of the {$600.00} amount but are saying that the other {$400.00} will not be available to me until XXXX XXXX, 2015. I get paid XXXX, my next deposit will be on XXXX XXXX, 2015, I can not pay my creditiors on time if Wells Fargo continues to hold my funds for such long periods of time. This should be illegal! Funds should not be held for eleven days when it is cash being transfered from XXXX local bank to another local bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried four time to get my consumer report from LEXIS NEXIS. I submitted a copy of my driver 's license and they are denying me access to my consumer report and file.
Product: Debt collection

Open and account with XXXX XXXX  XXXX XX/XX/XXXX, date of procedure was XX/XX/XXXX. I had a XXXX year interest free to pay off, I paid it on XX/XX/XXXX, full balance that was owed.
Product: Credit reporting or other personal consumer reports

Removal of these inquires from credit report that was from identity theft. My info was stolen from a data breach 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 or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payments To Whom It May Concern, I am writing to formally dispute the inaccurate late payments reported on my credit report. My name is XXXX XXXX and my last four digitals to my social is XXXX. 
The following late payments are incorrectly reported : Creditor Name : XXXX  XXXXXXXX XXXX XXXX Account XXXX Date ( s ) of Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are not accurate and do not reflect my payment history. I have always made my payments on time, and I expect these inaccuracies to be corrected immediately. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect information. I demand that you investigate this matter thoroughly and remove these erroneous late payment entries from my credit report. 
I expect a written response detailing the results of your investigation within 30 days. Failure to address this issue will compel me to escalate my dispute, including filing a complaint with the Consumer Financial Protection Bureau. 
Thank you for your prompt attention to this matter.
Product: Debt collection

This company contacted my cell phone at XXXX EST. DId n't leave a message and when I called it back thinking it was a number from someone I was expecting they say that they are closed and provided the website to make a payment.
Product: Money transfer, virtual currency, or money service

I am having an issue opening a Zelle account so I can send and receive money via Zelle using my bank account. I have never opened a Zelle account. I am a victim of identity theft and have been a victim of identity theft for over XXXX years. Someone used my personal information and phone number with several financial institutions to open up a Zelle Account. The Zelle Accounts thats currently open in my name and with my phone number are all fraudulent Zelle Accounts. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX, Phone Number : ( XXXX ) XXXX
Product: Debt collection

I contacted XXXX  2 times already regarding the collection of {$88.00}. They said i didnt have to pay the debt. Bc it was a mistake on their end. And they would talk to collection agency to take off. They than took it off my credit and a month later put it back on. I now called a third time to have the same response thats they will contact the agency and have it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX account # XXXX XXXX ________________________ Account Name : XXXX XXXX Account number # XXXX XXXX ________________________ Account Name : XXXX  XXXX Account number # XXXX XXXXXXXX ________________________ has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.