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

XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information under Section 1681O - Civil Liability for Negligence Noncompliance Dear Experian, I am writing to formally dispute an entry on my credit report that I believe to be inaccurate, and to assert my legal rights under Section 1681O of the Fair Credit Reporting Act ( FCRA ), which provides for civil liability for negligence when credit reporting agencies fail to comply with the law. 

I have identified the following inaccurate information in my credit report : Account Name : XXXX Inaccurate Information : XXXX XXXX XXXX Date of the Report : XX/XX/XXXX Under FCRA Section 1681O, I am entitled to dispute any information that is not accurately reported, and I believe this information is not in compliance with the requirements set forth by the FCRA. I respectfully request that you investigate the inaccuracies in the information listed and correct it immediately. If the information can not be verified or is found to be inaccurate, I ask that it be removed from my credit report in accordance with the law.

In accordance with Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of the dispute and notify me in writing of the outcome within the 30-day period. Additionally, if you determine that the information is indeed inaccurate, I request that you promptly update my credit report and notify any parties who may have received my report in the past six months. 

Please confirm that you are following the procedures required by the FCRA, and provide a complete and accurate report upon completion of your investigation. 

I appreciate your immediate attention to this matter, and I expect a prompt resolution. Should you fail to properly investigate or correct the inaccurate information as required under the FCRA, I reserve the right to pursue all available remedies, including seeking civil liability for any negligence or noncompliance with the law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Ygrene Financial is a Petitory Lender, it's associated Business Company named XXXX XXXX XXXX Authority- It's Representive FORGED my Name on a home improvement Solar Panels Financial Contract without my knowledge and I am the 2nd property owner..

After I read Ygrene 's Attorney letter, most of her statements were untrue. 

I offered a buy out of my half of this property deed for $ XXXX due to Ygrene 's Fraudulent behavior and Forging my name. 

If Ygrene does not negotiate this buy out, then I will have to pursue the Fraud and Forgery of my name. 

I am asking that if CFPB could advise me if Ygrene does not negotiate this buy out. Please see Attachments below.
Product: Money transfer, virtual currency, or money service

One of my XXXX friends who I know in person, sent me a post in which she invested {$2000.00} of cash to a XXXX trading company and it was flipped to XXXX dollars. I asked her if it was real she told me yes. ( She removed her XXXX  account now ) The lady that my XXXX friend did the XXXX  exchange with contacted me after I followed her page and asked if I was interested. I trusted my XXXX friend because Ive met her in person, so I told the XXXX XXXX yes, we spoke about cryptocurrency, XXXX mining she said if I invested {$500.00} I would get back {$5000.00} because the company is running " a bonus. '' I sent money through XXXX XXXX from my capital one debit savings account. She created an account for me online that looked authentic as if I was watching my money being traded live. I saw my withdraw profit " grow to XXXX. The lady asked me if I was ready to withdraw, originally I said yes but she kept saying this thing about if I withdraw I won't receive the bonus next time I want to invest and they're only doing it for limited time. Based on the fact my XXXX friend who I know in person told me she invested XXXX for the XXXX. I invested another {$500.00}. Now I sent the woman {$1000.00} in total through cash app. She continued to text and tell me to with draw my XXXX. I tried to withdraw and a withdraw pin was required. I told her I didn't have a pin, she told me contact the live chat of the website. I contacted them they write my a very phony response about how their website does not have the proper software to withdraw my money unless I send an addition {$1300.00} to the same cash app. Then they will give me a withdrawal pin. That's when I noticed that, they were going to keep trying to make me send them cash apps without any type of proof of being able to withdraw the " cryptocurrency '' The lady I was in communication with XXXX, I asked her why she didn't tell me from the beginning that I would need to pay {$1300.00}. She said she forgot, because if I would've known that I could've guessed it was a scam. In total they wanted me to pay them out {$2300.00} and recieve nothing in return. This happened on XX/XX/XXXX the first {$500.00} was sent then on XX/XX/XXXX I sent the next {$500.00}. I made a dispute with XXXX XXXX and capital one. XXXX XXXX hasn't responded and Capital one denied my dispute, I guess they feel like I sent the money voluntarily but I was tricked into seeing a fake XXXX website.
Product: Credit reporting or other personal consumer reports

I saw a 30 day late payments on my XXXX XXXX XXXX XXXX Credit Card account today which is inaccurate. I called in to see about the late payment and I was told that I hadn't made a payment since XXXX. If this was true, since this is now XXXX, the payment would definitely be more than 30 days late, maybe even 60 days late. So they aren't reporting correctly. I believe that automated system has a glitch in the system because of the way it was behaving today while I was on the phone. All XXXX companies, Experian, XXXX and XXXX are data furnishers who definitely reported inaccurate information as well, that I never gave them permission to even report. My signature isn't even on any paperwork giving them the authority to report any of my personal information. On today, XX/XX/year>, I was told over the phone by a representative that my next payment was due in XXXX. But when I listened to the automated system, it says that my next payment is due on XX/XX/XXXX and that I owe {$160.00}. So because I didn't want another late payment to go on my report because I didn't trust what the representative was saying, I did try to make that payment this morning because I don't trust them or the automated system now. However, I when made an attempt to make the payment since it's so close to the XXXX, the automated phone system said it was having technical issues and difficulties today today and I was unable to make a payment by automated means or by a representative over the phone. I have every reason to believe that when I made payments in XXXX and XXXX that there could have been issues with the automated phone system where it may not have worked correctly, because it definitely isn't working properly as of today. My payment is current and up to date. My credit reports were stellar before this incident. Now my credit scores have dropped due to this fiasco. The late payment that showed, said that it is {$110.00} past due as of XX/XX/year>, and I made a {$200.00} payment on XX/XX/XXXX. So I am definitely current. Now on these facts alone, I am requesting that the late payment that shows across all XXXX companies that furnished their data be required to update the XXXX XXXX XXXX XXXX late payment to paid as agreed and have the late payments to be removed from all XXXX data furnishers... Experian, XXXX and XXXX. The automated phone service and representatives don't have accurate or adequate reporting information and they aren't reporting correctly either. Nothing is adding up and I shouldn't be made to suffer the consequences from these actions. Experian, XXXX, and XXXX are also reporting inaccurate information. The FCRA states that I have the right to dispute any inaccurate information reporting erroneously, and it shall be removed promptly. I'm requesting that all records pertaining to my XXXX XXXX XXXX Credit card account should be updated as paid as agreed with no late payment showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 XXXX contacted XXXX XXXX XXXX ( # XXXX ) and stated I claimed fraudulent activity on the account. to date XXXX has not provided any proof that this occurred but has communicated this FALSE information to TRANSUNION AND XXXX. I have attempted to correct this Egregious for 3 years and due to XXXXXXXX XXXX negligence it has affected my consumer report ( including TRANSUNION & XXXX ) and my fico/vantage scores, I have lost financial opportunities, embarrasment and anxiety/mental health issues.
Product: Debt collection

At the beginning of the year I joined my families XXXX family and friends discount. I ( we ) were told once my final bill was paid they would proceed to switch me to their account. This is what was done. The final bill was paid and i was switched over to their account. Then a month later I received a bill saying I owed another payment. In other words the multimillion dollar company messed up. We contacted customer service and was told the amount had been paid and everything was good. Now I have received emails and phone calls from this company IC systems harassing me for money I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to XXXX, XXXX  and Equifax, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$6600.00}
Product: Credit card or prepaid card

This is the response they keep giving : " was found in your favor and all identified unauthorized transactions totaling {$1600.00} were permanently credited to the account and would be reflected on the XXXX XXXX, 2017 billing statement. '' It is XX/XX/XXXX. There has been no {$1600.00} credit yet. When can I expect these disputes to be refunded? I need more up to date information about resolving this. <P/>XXXX XXXX
Product: Mortgage

It is with great frustration and desperation that I write to you requesting that you please help me out. I have provided several packages of my financial documentation to XXXX XXXX to no success. My loan now is serviced by Rushmore loan management and also to no success. I have provided in the last 2 months two full loan packages with all my updated information from me and my brother who is the co borrower on this loan to Rushmore.
I have provided a package on XXXX/XXXX/2017 and another full package on XXXX/XXXX/2017.
About two years ago our lives became a nightmare, when suddenly we were both Silverado and I left without a job at the same time.. It was then that we began to struggle. Unfortunately we defaulted on our mortgage. However, we immediately contacted XXXX XXXX and advice them of our situation and provided our financial documentation as requested it by them. We immediately began to search for jobs.
Our main interest was to get a job so we can retain our home. These were circumstances beyond our control. All we were requesting was help for a short period of time.. Six months after this horrific situation we found jobs.
We needed a work out plan that will keep us from foreclosing and avoid further delinquencies.
Rushmore has advice that they will not consider our package for we did not presented the package before 37 days of the sale day. Our home has a sale day of XXXX XXXX, 20 17. Please hear me out I need to keep my home.
We both have worked very hard and had never defaulted before..
I am asking that Rushmore allow us a chance to proof them different.
I understand that you will review my complaint expeditiously based on the explanation of my complaint and information provided.
Product: Credit reporting or other personal consumer reports

Chex Systems , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX has listed OVERDRAFTS on my Chex Systems file, dated XX/XX/2023. 
To my knowledge, I have never had OVERDRAFT with XXXX XXXX XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 
Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX including copies of any documentation associated with this OVERDRAFT which bear my signature. 
In the absence of such documentation, I request that this OVERDRAFT be permanently removed from my Chex Systems report ASAP.
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. 

XXXX : XXXX, XXXX XXXX : 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 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.
Product: Consumer Loan

The vehicle was surrendered as agreed upon by santander and myself. They are reporting it as a repossession. They have refused to correct this and have stated that they do not need too even though it was on a recorded line. I have asked them to change it and adjust the costs and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation took longer than 30 days here is my tracking number sent certified mail XXXX In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 
Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Has violated my rig

hts 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 15 USC 1681s-2 ( A ) ( 1 ) A persons shall not furnish any information relating to a consumer to any consumer reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

When used Zelle to make a payment for goods provided, the first couple times they said the payment couldnt go through and just to try again as they were protecting me from fraud. I sent the payment again for a 3rd time as the first two failed to be delivered the third time it went through instantly. The next day the founds from the first 2 transfers when through along with the third so instead of a one time payment of {$300.00} a total of {$900.00} was taken from my card.
Product: Debt collection

On XX/XX/XXXX, I got 3 calls from 2 different numbers from a debt collector called A & O Recovery for a place called XXXX. I advised it was XXXX XXXX and hung up. The lady called twice and threatened a wage assignment and i asked her to call back at the legal time. I have never received any mailing or documents stating i owe a loan or even who the company is but Im being threatened for a wage assignment. I dispute this debt as i never had a payday loan.
Product: Credit reporting or other personal consumer reports

Innovis has unlawfully and illegally reporting derogatory information on my credit report without proper authorizations : XXXX XXXX XXXX  ; {$9300.00} ; Acct # ... XXXX and XXXXXXXX XXXX XXXXXXXX XXXX ; XXXX ; Acct # ... XXXX These are not a credit transactions initiated by me. Additionally, I will be filing Federal complaints against Innovis for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. Innovis failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I was never provided verifiable proof of this debt or Proof of Permissible Purpose and Proof that these are indeed credit transactions. This raise concerns about their compliance with legal requirements
Product: Credit card

This negative item does not meet the FCA reporting requirements. I do not recognize how and why it is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had a loan with Ally Auto. I paid the loan off on XXXX XXXX. I was assured my Title was sent to me on XX/XX/2022. As of today XXXX XXXX I have not received the title. I have made numerous calls to Ally Executive Customer Relations, approximately 20, in an attempt to resolve this issue to no avail. I am frustrated and find no other recourse but to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX {$520.00} XX/XX/2019 XXXX XXXX XXXX {$930.00} XX/XX/2019 XXXX XXXXXXXX XXXX {$3700.00} XX/XX/2019 XXXX XXXX XXXX {$350.00}
Product: Credit card or prepaid card

Synchrony Bank dba XXXX XXXX card has admitted to me they have a system flaw that defaults to incorrect due dates, resulting in missed payments and late fees. It took me threatening litigation to receive my late fee back, but I was still charged interest. They initially denied I scheduled the payment, but I had email confirmation and a confirmation number. This issue has likely impacted numerous other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last 2015, this credit reporting company would comply to the settlement. According to this link : 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

In XX/XX/2023, I received {$1900.00} from my renters to my personal phone number via Chime. 
I had to create a Chime account at this time. 

On XX/XX/XXXX my renters sent their rent ( {$1900.00} ) via Chime again to my personal phone number, even though they were told not to use Chime. 

Chime would not allow me to transfer these funds to my actual bank account because I had not activated the chime debit card that I have no plan to use and didn't want the extra exposure to fraud. 

At this point, I attempted to send the money to my work phone number. 
The app asked me to double check the number which I did. 

I never received a confirmation email / text to my personal side saying the money was sent or received. I also never received a text on my work number as I was instructed by the app. 

I waited about 10 minutes and refreshed the app since no messages were received. 
The app then showed that Chime had not sent the money to my phone number but to some other random person that I do not know and have not ever met. 

I immediately called into Chime and let them know what happened. They filed a dispute to return the money. They did verify on a recorded line that I sent the money to my work number, but that they transferred it to this person because they had used this number in the past with their account but that they have changed their number. 

I called multiple times during this time and then they turned down my claim. 
I called in and they opened a rebuttal. 
I sent all of the details again through email. 

They denied this rebuttal but gave no reason why on XX/XX/2023, even though they have admitted to sending the money to wrong person. 

I called in on XX/XX/2023 and they opened another rebuttal, but said that they were not confident that this would change anything. 

They keep saying it could take up to 45 calendar days to be decisioned and they reset this clock every time they make a change. They also said if a decision wasn't made by 10 business days then a temporary credit could be applied, but this time is reset every time as well.