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

Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to Equifax in regards to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. In XX/XX/year> I reached out to XXXX to investigate the matter. After 30 days i received rests from the dispute but nothing was changed after saying the accounts was updated and verified, I compared my report from the prior months and noticed nothing had been updated, which is a violations of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts at question was fraudulently opened under my identity which put me as a consumer and my credit report at XXXX XXXX. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, there job is to make sure accuracy reflects on a consumer reports and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being no compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to this Data Furnishers and how they are in clear violations of the what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquires and accounts be Deleted.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill 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 Experian, 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 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: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent account and inquiry from my credit report due to identity theft. This request is made under the provisions of 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Account : XXXX. XXXX XXXX Account ending in XXXX o Opened : XX/XX/XXXXXXXX  o Balance : {$340.00} Fraudulent Inquiry : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Mortgage

I have a line of credit loan with Wells Fargo ( and car loan with XXXX ). Both are simple interest and both use a tactic that when you make an additional payment over the minimum instead of going against the principal they are applied to future payments. To apply additional payments to the principal you need to make a separate payment and forward to a different address. What a pain and not like my mortgage. Seems to be similar to loan tactics of the XXXX that tried to to discourage paying off loans early and max interest costs/payments
Product: Credit reporting or other personal consumer reports

Second Dispute of Unauthorized Late Payment Reporting for XXXX XXXX  Account ( # XXXX ) ** Dear TransUnion, I am writing to formally dispute the late payment entries on my consumer credit report regarding the account XXXX XXXX  ( Account # : XXXX ). On XX/XX/XXXX, I submitted a dispute regarding two late payments recorded for XX/XX/XXXXXXXX  and XX/XX/XXXX, which I can confirm were both paid on time. Unfortunately, despite my request, your agency has failed to provide the necessary documentation to support these claims. Your response of no change needed is unsatisfactory and a clear failure to comply with my lawful request. 

In accordance with 15 U.S. Code 1666b, I am again requesting the following documentation : The periodic statement for each alleged late payment. 
The tracking number proving that each periodic statement was delivered to me at least 21 days before the respective payment due date. 
As previously stated, I expect this documentation to be provided as part of your investigation into the accuracy of this information. TransUnion has failed to comply with my initial request, which was in full compliance with my rights under the Fair Credit Reporting Act ( FCRA ). I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), case # XXXX, regarding this issue. 

This letter serves as a second attempt to resolve this matter and demands that you conduct a full and thorough investigation into the accuracy of these late payment entries. In accordance with Section 611 of the FCRA, your agency is required to ensure that the information in my credit report is accurate and complete to the maximum possible extent. 

Additionally, the reporting of this information appears to violate 15 U.S. Code 1681b ( 2 ) as it was done without my written permission. I request a copy of the written authorization bearing my wet signature that allowed this reporting. 

Furthermore, I affirm that I did not authorize the reporting of this information to your agency. Therefore, under Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation and written confirmation that you have completed this investigation, including the names of the entities you contacted to verify the accuracy of this information.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> : Since then, the account has repeatedly been updated as charged off and it has a late payment that I do not recall. This is an update on the payment history as well as if the credit reporting agencies furnish all data from the original furnisher all data should be the same. A charge-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations as well as affects my creditworthiness. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding deletion of the following account : Account Name : XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$520.00}
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX training package. Part of the reason for the purchase was for the training. But the thing that caused me to purchase that training package when I did was that XXXX himself offered a loan through Denefits. 

XXXX positioned it for those ( like me at the time ) as a way to rebuild my credit. The promise was the Denefits would be reporting to all three credit companies. 

I purchased the package. Received the training. Made all payments on time. However Denefits reported only to XXXX ( and did not do that properly ) and XXXX, but did not report to XXXX at all. 

When I attempted to resolve this with Denefits by XXXX XXXX Complaint and phone, I was simply blown off. 

Original loan amount was {$4900.00} XXXX # was XXXX Furthermore Denefits did did not report the XXXX amount to XXXX.
Product: Debt collection

I rented a house with 3 other individuals from XXXX XXXX XXXX in XXXX, CA in the year XXXX, 2 of the roomates left before the lease was up so I was forced to leave because I could not pay the rent alone with the 1 roomate who was left. I made several attempts to contact property management to explain what happened and return the keys. We ended up going to court with the company after they " evicted '' us, although neither of us were no longer living at the property, we explained what happened to the judge he told the property manager to go to the house and make sure the house was not damaged. We returned to court a second time, the property manager reported the house was in good condition and he dropped the law suit without prejudice. Months later I am being charged for over {$10000.00} in damages to the home. I tried resolving the problem with the original company and they claim to not have my file and neither do their corporate office. I then went straight to XXXX and sent my supporting court documents of the results of the case and they were able to remove the collection. I attempted to also dispute with XXXX but they are claiming they can not do anything, that I need to have the company remove it from my credit report, even though i explained to XXXX that I have already made numerous attempts to do so with no success. I am at a loss of what options i have left to remove this from my credit. Thank you for your time.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/2022 I received notification of a Venmo payment from my XXXX XXXX of an unauthorized transaction in the amount of {$570.00} to an unknown individual by the name of " XXXX XXXX ''. 

I immediately contacted Venmo to report this issue and opened up a dispute case XXXX XXXX A temporary credit of {$580.00} was issued to my account, and then on XX/XX/2022 I received an email that stated '' Your Venmo dispute case has been denied ''. It stated the reason as " This decision was made because this transaction was not unauthorized. ". 

The dispute was initiated due to the transaction not being authorized, therefore the reasoning of the case being denied is not consistent with the the original dispute.
Product: Credit card

I Transferred money from my XXXX checking to pay my XXXX XXXX and the payment shows on my current transactions but does not change the balance due of the credit card. This credit union needs to show transparency as I don't know if this money will even be applied or is being siphoned out of my account. This has happened several times.
Product: Checking or savings account

On XX/XX/year>, an unauthorized charge of {$1100.00} was charged to my business account. I reported the unauthorized charge to PNC BANK on XX/XX/year>. The charges appear to have been made in California for XXXX concert tickets. I reside in XXXX and have never been to California. On XX/XX/year>, PNC Bank suddenly reversed the credit given to my business account and withdrew {$1100.00} in unauthorized charges from the business account and caused over {$320.00} in overdraft fees. 
I called PNC at approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX for explanation but the customer service representative told me that an explanation would be mailed only. This means the matter can not be questioned.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. Fraudulent accounts have been added to my credit report without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following accounts from my credit report : Fraudulent Accounts : 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: Checking or savings account

I visited a Bank of the West BMO ATM on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA on Saturday XX/XX/2023. I entered my Debit Card ( from a different bank ), and the ATM proceeded to reset. It reset 3 times without releasing my personal debit Card. I called the XXXX BMO number that was listed on the ATM for assistance. I was told " BMO can not help you ''. I, therefore contacted the bank via their direct number for the branch. They did not have a voicemail to accept after hours questions or concerns. I checked the branch location site for an email for general questions. There was none. There were no listed email addresses for any of the employees. I left a complaint on the customer service survey and asked for the branch to give me a call. I tried to call again today on Monday and have not received a response ( XXXX ). I waited in 100 degree heat for the ATM to reset and release my card. It shut down after the 3rd reset and did not release the card. I was able to contact my bank and they cancelled the card and will mail a new card, but I am without the ability to get cash in the interim period due to the failure of Bank of the West and their transition to BMO. If the ATM is not able to process the transaction, it should release the card immediately. I would like some confirmation that my card has been received and has been destroyed properly or returned to me.
Product: Debt collection

I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Product: Checking or savings account

Verified with work that direct deposit was sent on time. Chime XXXX XXXX Bank continues to deny that deposit was ever sent or received, claims there are no issues, and after I stated that I would be filing a complaint with the XXXX  I received a phishing text claiming to be from Chime XXXX Bank about a survey for customer service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Checking Account & Savings Account Reported as account abuse in chexsystem I have no knowledge of this account it's in chexsystem as account closed XX/XX/year> owed {$490.00} & {$860.00} I never had an account with XXXX XXXX XXXX My drivers License number and state is even wrong
Product: Checking or savings account

I'm a service member XXXX XXXX. 


On XX/XX/XXXX I opened a CD account with XXXX XXXX  and transferred {$30000.00} from my Wells Fargo checkings account to fund the CD account. My location was marked as " suspicious '' by XXXX XXXX, who locked my account and initiated a fraud inquiry. 


After about a week my access was restored and I found that my XXXX account reflected {$0.00}. I called XXXX XXXX, who stated that the transaction was cancelled immediately upon the fraud investigation, and the funds were " returned to sender '', presumably that same day. 


I opened a claim with Wells Fargo for my funds. Two weeks later they stated that my claim was denied because my account was correctly charged. I never suggested that it was incorrectly charged, only that I had never received the refund. 


They open a second claim to look further into matter. About another two weeks pass and they claim that my account was not charged at all. I call them again to follow up ( XX/XX/XXXX ) and they said that this second claim was denied because they believed the transaction occured on XX/XX/XXXX instead of XX/XX/XXXX, another error on their end. 


Wells Fargo then asks me when XXXX returned the funds, to which I conceded that I did not know for sure. I can only assume the same day if it was " immediately cancelled '' as XXXX XXXX  suggested. Wells Fargo responded that I needed to take this up with XXXX XXXX, because if they had returned the funds, it would've showed up in my account. I'm amazed with their faith in their processes given their seeming inability to even file claims correctly and waiting for weeks on end only for me to point out their own mistakes. 


I've called them several times ( ~8 ) concerning this while being in a XXXX environment - accommodating their claims ' department working hours from a different time zone with inconsistent phone service due to my location. Every claims response they've sent has been via letter ( not email ) to my home address - which of course takes time to deliver. My family must then take a picture of the letter and forward it to me via my VOIP number. So by the time I even see Wells Fargo 's response, at least a week has passed assuming I have internet access. Most recently, I asked to escalate my issue and was placed on hold for about 20 minutes before my call disconnected due to aforementioned phone service. 


I'm frustrated with Wells Fargo inability to conduct even a proper inquiry. Any assistance you can provide or point me towards is greatly appreciated. I will do my best to provide any follow up information if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 601. Short Title : Fair Credit Reporting Act alleged a LATE PAYMENT on allegedly XXXX XXXX BANK XXXX # XXXX & on alleged date of XXXX has violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy. 

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions. 

3 ) And lastly, 15 USC 1666b ( a ) Reads as : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to 2 credit bureaus- XXXX and Experian disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXX'date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the urgent removal of fraudulent items from my credit report. 

Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I am deeply concerned about the potential consequences of this unauthorized activity. 

I have taken immediate steps to address this issue by contacting the credit reporting agencies and reporting the fraudulent activity. However, despite my efforts, the credit reporting agencies have failed to take swift action to remove these fraudulent items from my credit report. 

Given the urgency of this matter and the potential harm it could cause to my financial well-being, I request that you intervene to expedite the removal of these fraudulent items from my credit report. I urge the credit reporting agencies to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the fraudulent activity on my credit report, including reimbursement for any unauthorized charges or fees incurred. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX OAK XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX, AZ XXXX.
Product: Credit reporting or other personal consumer reports

My student loans are paid off ; however, XXXX has reported XXXX accounts on my credit report with balances. This needs to be reported as closed or removed.
Product: Debt collection

experian and XXXX have both recently posted a collection on my credit report and the information is false and misleading due to that fact that their is not detailed information on the report but the name of the collection company. no other information is on the account,
Product: Debt collection

Received calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. I never received any written notification. They did not provide any validation or verifying information. I do not have any debts in collections. 

It 's harassment and a violation of the FDCP to call someone who does n't have a debt in collection. Moreover, it 's harassment and a violation of FDCP to not provide written notification or validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX thru XX/XX/2017 I was a victim of idenity theft. Someone wire frauded money out of my checking account therefore making me 2 months behind on my mortgage. I have filed a FBI report and a XXXX XXXX Police Department report ( report # XXXX ) I'm asking wells Fargo to remove all the 30 days past due on my credit report to all the credit bureus. I can provide a copy of police report if needed.
Product: Credit reporting or other personal consumer reports

Over period of 2 years, most recently XX/XX/year>. Creditors and I can not get history on any accounts through Equifax. XXXX and XXXX both have files. In the Equifax file it shows a score but no history. I have provided documentation for identity, screen shots, and letters from creditors stating unable to pull files. Equifax claims it is not on their end.