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

An amount of {$2000.00} was submitted and charged to my checking account through my debit card. It was listed as XXXX. I put through a dispute with the bank explaining all of this. They came back and said it was verified because it was done on our XXXX XXXX. I put in another dispute explaining again and they opened a dispute but closed it the next day. They have never asked me for any documentation, nor had they contacted XXXX. In addition, the bank also cancelled my debit card and closed my online account.on the first dispute. They told me I would not be able to go back online for a little while. I was upset as I wanted to keep an eye on my account. I am frustrated. We did not make this charge and are losing {$2000.00} right now.
Product: Bank account or service

I opened a " Free Blue '' Checking account with Arvest Bank. Had a balance over {$1000.00} in the account. This was not my primary account but allowed me to have local access to a bank. I recently checked the account and noticed that a dormant account fee of {$5.00} was assessed for 6 consecutive months. It 's very misleading to call something " Free '' but they charge me over {$30.00} over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted from XXXX XXXX a removal of a 30 day late from my credit report. The letter of approval for this action is XX/XX/2023. It has not been removed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fufill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experia, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Please find the attached documents. 

I dispute the debt that Midland Credit Management purchased from XXXX XXXX Bank and assert my rights under the arbitration agreement in the original credit card agreement. As the debt purchaser, Midland is bound by these arbitration terms. 

While I acknowledge that arbitration can be costly, often exceeding the debt 's value, I'm willing to resolve this matter amicably without the need for arbitration. 

I want to mention that my personal email was shared with XXXX XXXX for debt collection, despite my request for arbitration. Additionally, Midland has not provided proof of my liability for the alleged debt, which I have no record of creating with them. Their provided statements do not establish ownership or the provision of services or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these fraudulent negative accounts and they are still on my credit. I submitted dispute letters and FTC reports and they still have not been removed. 

Transunion : XXXXXXXX XXXX XXXX {$8300.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX {$8300.00} XXXX : XXXX XXXX XXXX {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt that XXXX removed a long time ago because creditor was not able to validate debt in the timeframe given. 

The FCRA states debt must be removed if not validated and XXXX did just that. 

XXXX is still reporting this collection account on my credit report from the company. 

XXXXXXXX XXXX balance of {$4700.00} This is a violation of the Fair Credit Reporting Act as XXXX must Follow Suit and remove this debt.
Product: Money transfer, virtual currency, or money service

Between the dates of XX/XX/XXXX until XX/XX/XXXX, my account at Paypal.com with email use as XXXX, XXXX and XXXX all has came to limited status or permanent limit status. 

I had issues of collecting payments for client to process payments for cyptocurrency investments. The payments was withheld due to the client 's trading system with ties to international business. 
My client is a well known chat cam personality that had issues with her clients disputing her services after they watch visuals of her nudity. They would pretend to buy an item just to keep it private that they was looking at a cam chat personality. It was a digital trade of viewing a resource. No shipping was actually involve. The payee made it like it was something they actually bought to ship for a cam chats. 

Now I'm stuck in major debts with paypal.com about peer to peer sharing from a deposit third party payments. 

Lately paypal has started dispute fees which I can't afford for each item on the ticket in the dispute category.
Product: Credit reporting or other personal consumer reports

Hi, This account has been open since XXXX. The account was closed in XXXX. Collection activity was started, and XXXX bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the XXXX, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than XXXX XXXX XXXX. The last purchase date was on XX/XX/XXXX. I just pulled off all of this information from XXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX collection agency reporting. Please see the submitted documents. The account needs tin be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out recently that there was a problem with verifying my social security number when I wanted to cosign a student loan for my child. I dealt with the social security administration without success. 

After further investigation, I found out that I was reported as being XXXX  on XX/XX/XXXX 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being XXXX over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries that I recently identified on my credit report. Upon review, I found several inquiries for which the creditors listed have failed to provide verifiable proof of my authorization. They have not produced any written authorization, permissible purpose, or evidence of initiation by me, either verbal or written.

Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, consumer reports may only be accessed under specific circumstances with a legitimate business need in connection with a transaction initiated by the consumer. Furthermore, under Section 609 ( a ) ( 1 ) ( A ), federal law requires you to verify these inquiries by providing physical evidence, such as the original signed consumer contract.

Additionally, Section 611 ( a ) of the FCRA mandates that inaccurate or unverifiable information must be promptly deleted following a reinvestigation. I demand that these inquiries be deleted immediately, as they can not be verified and negatively affect my ability to obtain credit. 

The following unauthorized inquiries must be verified or removed without delay : XXXX XXXX XXXX Inquired XXXX XX/XX/2023. 
XXXX XXXX  Inquired on XX/XX/2023. 
XXXX XXXX XXXX  XXXX Inquired on XX/XX/2023. 
XXXX XXXX Inquired on XX/XX/2023. 
FTC Report XXXX : XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance Owed : {$170.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5100.00} Date Opened : XX/XX/XXXX - XXXX XXXX Balance XXXX : {$420.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$970.00} Date Opened : XX/XX/XXXX PLEASE REMOVE ALL THE INACCURATE ACCOUNTS MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit reporting or other personal consumer reports

Items were back to my credit report that had been removed and then a few of them were not even investigated
Product: Debt collection

I have a company called XXXX XXXX XXXX from Floridaphone number XXXX threatening me with filing a felony check fraud charge against me. I had a XXXX and missed a lot of work and I requested to set up payment arrangements. The caller, named XXXX was very rude to me and told me that I had no business in a car lot buying a car that I could not pay the down payment. My XXXX obviously was not planned and they have been very rude to me. I asked to speak to another person than her because she was being so rude to me that she had me in tears, I spoke to another woman who I agreed to pay half of the amount owed this paycheck and the other half in one month, because they scared me with threatening me with fraud charges. I felt like my rights were being violated because I know you can not threaten charges against someone and then she began to recite the law in Texas for checks, this is a check guarantee company and I 've asked for an address for the company which they will not give me so I can send them a letter stating I do not want to be harassed anymore.
Product: Debt collection

I have been having an issue with Mercedes-Benz since purchasing a vehicle on XX/XX/year>. The car was since returned in a volunteer repossession and resold. I never received a proof of sale for the amount but have been receiving phone calls and demand for payment letters from a collection agency called XXXX and Mercedes is still reporting a balance owed to them on my credit report as well. Mercedes are reporting a balance of {$13000.00} and XXXX {$12000.00} plus fees, {$14000.00}. I have sent letters and made calls to both agencies. i have expressed that under laws I have the right to a fair and accurate report. I have spoken with a consumer law attorney and my next step would be to file a lawsuit with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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 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 items 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 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.
Product: Credit reporting or other personal consumer reports

I sent a letter to Equifax to reinvestigate these accounts on XX/XX/2023 tracking XXXX # XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX 
Account : XXXX Account Name : XXXX  XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Equifax- Investigation was completed on XX/XX/2023. Confirmation # XXXX However, they stated all accounts was 100 % complete and accurate. 

But how is that possible if there is still incorrect, inaccurate reporting date of last activity, open date, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that arent reporting correctly. If all information is not 100 % correct and accurate -- accounts must be deleted per consumer law.

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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have more evidence to prove my case Furthermore, they didnt even record the current status of the disputed information which is another violation.
Product: Credit card

On XXXX XXXX I applied for a credit card with walmart because they were offering {$25.00} for applying for a credit card. I was approved and the sales clerk attempted to make firat charge on card ( even though it was never mentioned that you must make a purchase on the day approved to receive the {$25.00} ). I stood around an hour waiting for the cashier to figure out why my new card was not working. Eventually, we ended up using my debit card for the purchase. They made me call customer service to see why the card was not working. Upon calling it turns out the cashier inputted my drivers license information incorrectly. I was told that the customer service representative will notate my credit card account and if I did not see the {$25.00} on my first bill to call in. I called into walmart card center today XXXX and was informed that they can not give me the $ XXXXdue to the first purchase not being made on the date the card opened. I explained what happened and the representative said she could only file a dispute.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I noticed two separate credit accounts on my credit report that appeared to be inaccurately reported and possibly unlawfully furnished. XXXX XXXX XXXX Account Reason for Dispute : Public records showed that XXXX XXXX XXXX, XXXX had an Ended franchise tax status and Inactive Secretary of State status in Texas, indicating it was not authorized to conduct business in the state. This implied the company should not be reporting credit information for a Texas resident. 
Account Details ( as reported ) : A charged-off balance of {$5100.00} with a past-due amount listed since XX/XX/year>. 
Actions Taken : On or around XX/XX/year>, I sent a formal dispute letter to XXXX XXXX XXXX and the relevant credit reporting agency ( Experian ). I requested immediate cessation of reporting and deletion of the inaccurate tradeline. I included evidence from Texas public records verifying XXXX XXXX XXXX unauthorized status. 
XXXX XXXX Retail Account Reason for Dispute : Multiple discrepancies were found, including : An inaccurate payment history ( showing {$0.00} received despite a last payment date in XX/XX/year> ). 
Conflicting charged-off status with a closing date that did not align with the listed high balance months. 
Incorrect terms ( e.g., {$0.00} per month for 75 months ), which did not match the actual loan agreement. 
Actions Taken : I previously contacted XXXX XXXX XXXX to correct these errors but saw no resolution. I then formally disputed this account with both XXXX XXXX XXXX and the credit reporting agencies ( Experian and XXXX ). I requested a complete deletion of the inaccurate information under the Fair Credit Reporting Act ( FCRA ). Continued Reporting and Impact : Despite my disputes, both tradelines remained on my credit report with the original incorrect or misleading information. This has resulted in ongoing harm to my creditworthiness and potential denial or less favorable terms for future credit.
Product: Student loan

I got a federal student loan for the University of XXXX. I graduated in XXXX. I paid on the loan up to XXXX when I filed for bankruptcy. Between that time and XX/XX/XXXX I filled for a forbearance. The original amount owed was around {$40000.00}. I got the Student Fed loan consolidation on XX/XX/XXXX. Between then and now they are saying I owe {$100000.00}. I have requested a copy of any documentation at the time of loan origination. The credit report at that time. Also on XX/XX/XXXX the addition of {$31000.00} to the principal balance.
Product: Money transfer, virtual currency, or money service

Major issue with US Bank. Sold my car, a XXXX XXXX XXXX XXXX, the lien, loan was paid off via wire to US Bank {$100000.00} on a Monday XX/XX/XXXX, they confirmed successful transfer on Tuesday with par number on XX/XX/XXXX and said my account would close XXXX XXXX Buyer also confirmed on their end that they received a federal transfer number. Now 5-days later, they cant confirm completion or close out the account at all. They literally do not know what happened to the wired funds and are now investigating. They have also been charging interest on the account and refuse to provide anymore information or details. Vehicle no longer in my possession and they said they would maybe get back to me on XXXX. Im extremely scared.
Product: Debt collection

I was contacted by phone about an 11 year old debt that I had previously tried to pay. This put me into a panic and I reached out to XXXX XXXX through the contact information provided. I was told that there was a civil lawsuit against me in the county I live in and that I was going to be charged with financial fraud. I was told If I paid the Fee of {$3100.00} on a orignal debt of {$450.00}, that all proceeding efforts against me would cease and the issue would be resolved. 
Out of fear of criminal action against me, we negotiated a payment of {$2000.00} which I paid with the understanding that that the issue was done and I have no further fear of criminal charges being levied against me. 
Now I am questioning what I have done and am inquiring if this was legal on their part. 
Did this debt have to be repaid? I was told by a representative of XXXX XXXX that the contract I had signed with USBank upon opening an account that in the tolling section there was a stipulation of no statute of limitations for debt collection.
Product: Mortgage

I have tried reaching Wells Fargo multiple times and they do not respond. I would appreciate a follow up call as promised by my home preservation specialist, but she has not followed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX
Product: Money transfer, virtual currency, or money service

On the XX/XX/2020 a XXXX Bank transfer was made from my Bank in XXXX of the amount of XXXX euros to a TD Bank XXXX XXXX DE XXXX XXXX. 
This initially i was led to believe was part payment to be made to the XXXX XXXX Department for the purchase of XXXX in XXXX. 
Despite several email attempts and numerous phone calls, i am unable to get them to respond. 
Those that arranged this Bank to accept this transfer and to whom was the money eventually sent to should be investigated as this strongly suggests fraud.
Product: Checking or savings account

I opened a checking, saving account together with a credit card application at the XXXX office VA of Bank of America on XX/XX/XXXX!

A few days later, the credit card arrived in a XXXX mail, which was already activated and ready to use! I dont know how that could be possible! So I called up the banker who opened the account for me. XXXX XXXX assured me that as long as the envelope was not open, the credit card shouldnt have any security issue! This message is different from what I learned before! I would like you to investigate the truth behind this message! Thank you About two weeks ago I designate the checking and saving account at Bank of America to be the bank account to receive the loyalty payment directly from XXXX XXXX! My books have been sold hot and people already started to copy the content and style of my books, but I havent seen the loyalty payment at Bank of America yet! So I went to the XXXX XXXX office VA of Bank of America on XX/XX/XXXX to report account fraud claim! The office was open, there wasnt any sign to say that the office was not operational or what! The big Bank of America logo still high on the building! But the people inside doesnt look like a banker! The things they were doing didnt resemble banker either! I would like you to investigate what happened on XX/XX/XXXX at the Bank of America XXXX XXXX office!

Today XX/XX/XXXX I called up the banker who opened the Bank of America account for me in the first place! He said his last name XXXX but declined his first name XXXX! When I asked him to transfer my call to the fraud department, he said he can not do that! Could you please investigate why he wasnt able to be himself and do his job?

I would like to charge Bank of America for employee-involved account fraud! There are millions of dollars deposits was erased from both my checking and saving account! The technology to retrieve all the data is handy! I would appreciate your help and justice!

Thank you