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

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of in debtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX XXXX, New Jersey XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following personal information is incorrect Address ( es ) : 2 XXXX XX/XX/XXXXXXXX, NJ XXXX The following personal information is incorrect Address ( es ) : XXXX XXXXXX/XX/XXXXXXXX, NJ XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XX/XX/XXXXXXXX, NJ XXXX XX/XX/XXXX The following personal information is incorrect Employers : XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

I have enclosed a copy of my driver 's license and utility bill as proof of identity. 
Sincerely yours, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I has submitted a complaint abo ut   XXXX   XXXX   XXXX   (   XXXX  ) a few weeks ag o Complaint  #  XXXX . I faxed in a request to change the bank account my contribution for my IRA was withdrawn from. Only the account was changing, the amount was to stay the same. The update form was faxed at the end of  XX/XX/XXXX  and would take effect for the contribution on   XX/XX/XXXX  . However  XXXX  attempted to withdraw the money from the wrong account. When I asked why this happened, they claimed it was because they were not sure the amount and defaulted to the account that was previously set up. After this I called my Investment Rep and he sent me the same form I had already sent in, which I returned and  XXXX  was able to correct their mistake.   I received a letter from  Huntington Compliance , where they claim I had requested the withdraw to start with   XX/XX/XXXX  , which is incorrect.  XXXX  made a mistake and while this was eventually corrected, mostly with my pointing out all their errors, this is not acceptable for a large company to make mistakes like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax data breach was announced in XXXX of 2018, I have frozen my credit information with the four credit credit reporting agencies. 

Equifax has a web portal that will permit uses to freeze and unfeeze their credit report. 

In the first week of XXXX, I was buying a car and found that I was unable to access the web portal. It gave me a phone number to call. While they were able to help unfreeze my credit, they were unable to help with the web portal. They said someone would get back to me in 10 business days. It is now the middle of XXXX and still no luck with Equifax. 

The timeline : XX/XX/XXXX, notified Equifax of the issue. 
XX/XX/XXXX, I called Equifax as no one had called back. They said be patient. 
XX/XX/XXXX, called and spoke at length with someone who said it was my fault. 
XX/XX/XXXX, asked Equifax to have a supervisor look into the issue XX/XX/XXXX, a supervisor called and said she didn't know what the hold up was and escalated my issue again. 
XX/XX/XXXX, a supervisor said someone would get in touch with me in ten business days XX/XX/XXXX, I again asked Equifax to have a manager or supervisor get back in touch with me XX/XX/XXXX, a supervisor called and said he would escalate my issue again. 
XX/XX/XXXX, I again ask Equifax to have a manager or supervisor get in touch with me XXXX XXXX, the same man, XXXX, from XX/XX/XXXX called to ask what I wanted. 

Still, no resolution. 

Help. If I could, I wouldn't do business with company, but I have no choice. I hope someone can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately and that you verify these belong on my credit file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this dispute. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX AL XXXX XXXX.
Product: Checking or savings account

On Wednesday XX/XX/XXXX somebody did a transaction on my Chime account. The person basically wiped my account clean. I changed my password as Chime told me so. Later on a representative told me that I would get provisional credit in 10 business days. Instead of doing a proper investigation and provide the provisional credit, chime emailed me on the same day of the dispute and informed me that I wont get my funds back. I provided all the evidence and information they needed. The total funds stolen from my account was {$1500.00}. A {$1000.00}, {$300.00}, and {$200.00} transaction. Chime didnt do anything to stop any of these transactions. Given that there is a name to who the funds were transferred to, Chime still didnt block the person and recuperate my funds. The stealer won and I the person who worked hard for the funds lost. It took me 2 hours to get to their customer service and they were careless about the whole situation. They even hung up the phone on me.
Product: Checking or savings account

I was fortunate, or rather unfortunate In getting a new job offer on XX/XX/2021 from XXXX so it seemed. The interview was through XXXX or XXXX  text and I chose XXXX  to be safe. After a couple of assignment I got a text that my first check on the XX/XX/2021 {$4900.00} in regards to purchasing equipment 's was on its way. After depositing the check, and the so called " Manager '' confirmed with the " accounting department '', the money was then cleared the next day. A day later I was then instructed to forward to another Bank of America account {$2000.00}, {$1500.00}, and a {$1200.00} wired, and another payment coming in for deposit {$4400.00}. Late evening the first check bounced, and the second check cleared, now in the negative this is a rather infuriating situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent and negative account on my credit file that doesn't belong to me I have sent them all the documentation and police reports to have this removed and they have failed to correct this matter. it has been over thirty dys and they never informed me of the investigation results and as far as I know never researched it. I have submitted numerous written disputes via mail, online and via phone. I told this will be resolved and never has been after numerous months of working on this with them, they are the only credit agencu with this incorrect information appearing
Product: Credit reporting or other personal consumer reports

I have a XXXX  account and other information that does not belong to me. I have housing information that I have never owned. 

XXXX XXXX XXXX - XXXX XXXXXXXX XXXX  - 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Code 15 U.S.C. 5 1681 Section 604 of The Fair Credit Reporting Act According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified. 

15 US.C, 1602 ( g ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 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 Which is a {$1000.00} per violation
Product: Credit card or prepaid card

On XX/XX/2018, I contacted Wells Fargo to ask if my ARP on my credit card could be lowered. The first customer service representative stated, " We can not lower your APR because it's against the law. We must charge you what the APR was on your original application. '' My APR is listed as variable.

I called Wells Fargo back the same day and spoke with a different customer service representative and asked what law will not allow my APR to be lowered. He stated, " The government. '' Is Wells Fargo prohibited by law from lowering a consumer 's variable APR in California? 

Thanks.
Product: Debt collection

This is regarding a {$180.00} debt bought from XXXX XXXX. Stellar Collections contacted my father, whom lives XXXX miles away, and whom I have n't lived with in over 13 years and told him the date of the delinquent bill, the full amount, and was asking how to get in touch with me. Subsequently, my family called me and informed me of all of the information, gave me the number to Stellar and said that they wished for me to call. This is outrageous and I also intend to file the issue within the court system here in Oregon.
Product: Checking or savings account

Capital One has failed to provide me access to my direct deposit sent by my employer for 3 days ( currently ), its being stated this glitch in their system could last as long as 7 days or more. This glitch happened to thousands of customers.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section
611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

We took out a HELOC with Bank of America in XXXX, FL in XXXX, XXXX for {$500000.00}. We were told at the time if we closed the account earlier than three years from that time, there would be an early closure fee of up to {$450.00}. 

Our insurance deductible for wind loss increased significantly so we decided to forego wind loss insurance and self-insure. In order to do so, we needed either ( a ) a letter from BOA stating that they approve of the windstorm exclusion or ( b ) close out the HELOC which has no balance on it because no portion was ever drawn down. 

We were told on or about XX/XX/XXXX that the windstorm insurance could not be removed while BOA was lienholder so we inquired about closing out the HELOC. At that time, we were told the early closure amount due was approximately {$3000.00}. We were astounded. I spoke with a supervisor on XX/XX/XXXX after thoroughly reviewing our entire file again and she advised that the fee was security fees to record the mortgage in XXXX County, FL and that we should have that information in our file. 

We pulled the mortgage up online and saw the fees for the first time listed at the top and we completely astounded since we were NEVER told verbally or in any disclosure that these fees would be due as an early closure fee. Certainly the bank in XXXX County that closed the loan would be aware of certain fees. Pursuant to Paragraphs 14 and 15 of the Disclosure we have no liability for the security fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific unauthorized accounts and inquiries on my credit report following a recent data breach, which exposed my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent and unauthorized accounts promptly removed from my credit report. 
The following accounts are unauthorized and should be blocked and deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/2022 a late fee of {$18.00} was assessed to the loan on the grounds that the payment for XX/XX/2022 in the amount of {$640.00} had not been received, and had been assessed to the account as of XX/XX/2022. As of the date of this letter, this date has not yet passed. As our loan documents state, we have a sixteen-day grace period from the due date of the XXXX of every month to make the payment without a late fee being assessed. The claim in your letter dated XX/XX/2022 for a late fee for XXXX is erroneous as the date XX/XX/2022 has not yet passed. 

The fee actually originated from a payment I made on XX/XX/2022 at XXXX XXXX XXXX XXXX XXXX. I have included a printed receipt that includes a time stamp showing the date and time the payment was made. There should have been no fee assessed to this payment as it was made within the allotted grace period stipulated in the loan agreement. However, because of a time zone difference that the company prefers to base payments on, and that we were not advised of upon transfer to this servicer in XX/XX/2022, a late fee of {$18.00} was assessed. Because the payment was made on time according to our time zone, and we had not been advised by the company that this time difference mattered in regards to making a payment, we did not agree that this was an accurate or equitable assessment of a late fee. We decided to call to ask that the late fee be removed. I was told by the representative I spoke with that they would not be willing to remove it because the notice that the time zone difference mattered with regard to payments was included in the transfer paperwork and on their website. I reviewed the information and there is no mention of this notice anywhere. I have included a copy of the transfer paperwork for your reference to confirm there is nothing mentioned regarding the specific time of day payments must be made by. This is an erroneous assessment of a late fee that needs to be removed as soon as possible. Your prompt attention to this matter is greatly appreciated.
Product: Credit card or prepaid card

My keybank card, for collecting my unemployment benefits. Was lost around the XXXX of this month. I went to check my benefits and all my money was gone. I call keybank custom service to inform them I lost my card. They informed my that this card has been used in XXXX and XXXX XXXX this person use my card and stole XXXX $ for my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off and closed my personal line of credit with XXXX XXXXXXXX XXXX XXXX XXXX. But on my credit report it is showing there is a balance with Transunion, XXXX, and XXXX. I file a dispute with all credit reporting agencies but it wasn't resolved. I attached a copy of my receipt showing the balance was paid in full.
Product: Student loan

The collage I went to ( XXXX XXXX ) is no longer accredited nor did anybody receive their diploma. The loan has tacked on so much interest and the school is no longer. I feel that the whole loan should be forgiven due to the severity of it.
Product: Credit card or prepaid card

I opened a new XXXX XXXX XXXX in XXXX of 2022. 

I was offered a {$200.00} bonus if I spent {$1000.00} within 90 days of opening the account. 

I spent the {$1000.00}, and waited for my bonus. 

My renter 's insurance policy was cancelled and I got a small refund in XXXX. 

I called them in XXXX, XXXX & XXXX about an interest issue, which they finally resolved on the XXXX call, and asked them about my missing Cashback bonus during the XXXX call. 

They said the insurance refund made me ineligible for the cashback bonus offer.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian continue to report a derogatory account on my credit file of a company called XXXX XXXX XXXX. There is no payment history, no date of default and the balance owed and account balance show inconsistent amounts. I have reached out to XXXX XXXX XXXX and informed them that I did not open this account and to submit proof of application. They just sent me a computerized bill and refuse to send me the contractual obligation. XXXX  and Experian just keep reporting the account as verified but refuse to furnish the method of verification. I was successful in having the account removed from my XXXX  profile for lack of proof of ownership ; however, XXXX  and Experian have been noncompliant. I would like to file a complaint against XXXX  and Experian for illegally reporting inaccurate and derogatory information on my credit profile and their refusal to comply with demand for verification of reported account of XXXX XXXX XXXX ; and XXXXXXXX XXXX XXXX for lack of diligence in helping resolve this serious issue.