23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The U.S. Code that discusses the timing of payments is **15 U.S. Code 1666b**. This law states that 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( 1 ) 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX. 
( 2 ) 15 USC 1666b : Timing of payments- House. https : //uscode.house.gov/view.xhtml? req=granuleid : USC-prelim-title15-section1666b & num=0 & edition=prelim. 
( 3 ) Dates and Deadlines Student Financial Services. XXXX XXXX XXXX 
( XXXX ) Important Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX # XXXX for XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Money transfer, virtual currency, or money service

XXXX wires submitted Monday XX/XX/XXXX XXXX. Funds were taken from my account. Thursday XX/XX/XXXX : funds still not sent to wire recipients. Dont know where my money is. Ally cant tell me where it is or when it will be sent to recipients. I believe this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFP Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$19000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX  XX/XX/2022. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX and Trans Union 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 XXXX and Trans union inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish XXXX andhas 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 XXXX, 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 XXXX has neither corrected nor removed + I want the CFPB to publish XXXX and Trans Union 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 XXXX and Trans union 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 XXXX or Trans Union has neither corrected nor removed + + i want XXXX and trans union to remove all collections accounts on my credit profile and update all my late payments on credit profile to reflect as current and paid as agree, in addition, my only address I use is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as my only address I use on my credit profile.
Product: Checking or savings account

So I opened a checking and saving the account with chime. Is headed for about five years and all of a sudden this year.They sent me an email stating my account will be closed and any money i had in the account was supposed to be moved as well to a different account. They gave me no reason as to why they were closing the account. I made several phone calls. Talk to numerous people at 1 point I thought a young lady had fixed it for me. The account closure has stopped and within 2 days it was back up. I also had disputhat were pending during this closure. And they approved one dispute but the other 4 disputes from the same person charging me they did not. I asked several times for this account. To be blocked for ACH transfers. They told me they were gon na do it. It wasn't. I had to call numerous times to even get this blocked. Now I'm really upset because I have time put into this bank.And everything is just out of wacko and i'm out of money
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX {$590.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft. The fraud Venmo account is a result of the identity. The account was opened with fraudulent email and phone number that are not mine. I sent in email and made multiple calls to reach out to the institute to alert the fraudulent account when I received a Venmo debit card that I did not apply. I received an reply email of my email request. It states that no account associates with the email I use, and I should tell the police to send in request to open investigation. I called Venmo to follow up the dispute, but they claim that they can not verify my identity due to the account not linked with email and phone number I use even if I offer to provide other information. Since it is a fraud account opened with fraud email account and phone number by others, I have no knowledge of those information and I can not prove my identity to resolve the issue. They took my email and phone number and promised to call back, but so far there isnt any response or follow up. I just sent in another email to request for investigation and close the fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute about a fraudulent charge on my account which is XXXX XXXX XXXX and XXXX XXXX Solution. I am a victim of identity theft and would like that the following account be deleted from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act
Product: Credit card

I am disputing the collection account with DISCOVER account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that DISCOVER provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting

My student loans on my credit report are not reporting accurate payment details or information. The pay history is not accurate or complete. The account details are not reporting in chronological order or in a timely fashion. I would like the pay history update or deleted if not correct
Product: Credit reporting or other personal consumer reports

My business car insurance XXXX took over 3 months to finally send an adjuster to look at my vehicle which was compromised late XX/XX/2023. 
This company was impossible to get ahold of, waiting endless hours on end, to finally getting disconnected, with no answering machine, and no prompt to transfer to, and even after 3 hours in queue # 1. I was about to open a bad faith case. I even was considering that this company might be a scam, it was that ridiculous. Then finally an adjuster answered my call in late XXXX. But it doesn't end here. The adjuster showed up to the shop the next day and made his estimate by looking at the outside of the car only. The auto repair shop, shortly thereafter, discovered that there was permanent frame and structural damages. That this vehicle would now be over the threshold price and claimed a total loss. Then, just like before, XXXX ignored the body shop and I for another 3 months. They did not reply to my emails or respond to the shop. Unfortunately for me, when I found out the car was a total loss, I thought my insurance company, XXXX, would inform my finance company, Capitol One. Then, all the sudden, I saw my credit drop and realized they reported XXXX late payments to the credit bureau because of the 0 attempts to communicate and adjust the estimate with XXXX and its adjusters. A public adjuster had to step in just to get XXXX to finally communicate again with the body shop. Still no luck with my finance company, Capitol One though. This has still not been resolved and this car was totaled in XXXX. I couldn't conduct my business without my work vehicle and car rentals became way too expensive because of this lengthy unprofessional process that my insurance company is putting me through. Due to the loss of the vehicle and my uncooperative car insurance policy, I could not complete the tasks that I needed to complete to run a functioning business. Not only did they neglect to provide car rentals, and loss of income, they neglected to inform my finance company, who is still charging me {$850.00} a month. Mind you, I had still been paying $ XXXX  monthly XXXX payment as well on an inoperable total loss vehicle. 

I think it's unfair my credit has to suffer due to the lack of communication from XXXX XXXX XXXX and the constant delays and disappearing acts they performed. Those late payments are not accurate on my credit report because it was already claimed a total loss by the body shop. The car 's value at this point was less than the labor, parts, storage, and time to repair it, if even repairable. 

Now my credit has significantly dropped, it is causing my credit limits to lower and fail any new applications that I can apply to my business. This is making it almost impossible to get my business up and running again. I've suffered greatly here and don't deserve to be punished for the unprofessional and unpunctual Insurance company, XXXX who should be honoring their commitment to their customer and serve them in a timely manner! 
Thank you, XXXX XXXX
Product: Checking or savings account

I was made aware on XX/XX/2023 about fraudulent charges on my prepaid Bank of America account provided by XXXX Ive placed the dispute but for some reason my account wasnt closed nor did it canceled any Transactions after that date I never lost the that card itself but some how someone has a something that gives them access to get atm transactions plus they manage to have control of card decisions its now XX/XX/2023 and Ive yet to be reinstated my money
Product: Consumer Loan

I have been making more than my monthly required payment of {$600.00} by a Automated Clearing House ( ACH ) transaction from my checking account on the XXXX of each month in advance of my payment due date on the XXXX of each month to Mercedes-Benz Financial Services. I make additional payments to pay off the loan early. I made one for {$3700.00} on XXXX XXXX, XXXX. It was credited to a " Over Paid '' category and not to principal and interest. Subsequently, my normal ACH payment of XXXX XXXX, XXXX for {$700.00} was received and credited to the " Over Paid '' category. Reviewing my online account " Transaction History '', I saw {$4400.00} sitting in this " Over Paid '' category. On XXXX XXXX, XXXX I called the Customer Service Center and they said there was a new software update which moves money into this category. I requested these transactions be moved to pay down principal since my next payment due was on XXXX XXXX, XXXX. They said they would do that. I reviewed my Transaction History online report and saw only {$3000.00} credited to principal and {$1400.00} still in the Over Paid category. I sent an email request to Customer Service to have that amount moved into principal. I have called and sent followup email requests to Customer Service and they said they would do it. It still had not been done as of XXXX XXXX, XXXX. I called again and was reassured it would be done. Reviewing my Transaction History report online, the {$1400.00} disappeared from the Over Paid category. I called on XXXX XXXX, XXXX XXXX, and several calls thereafter. No one can explain what has been done with my payments totaling {$1400.00}. On XXXX XXXX, XXXX, I was finally able to speak to a manager who sent me a Historical Account Summary of my loan history. It shows a - {$1400.00} reallocation to Payments Received on XXXX XXXX, XXXX, with corresponding reductions to principal and interest. There is no offsetting credit being applied to principal. So, what happened to the money? I have been trying to get this resolved and unable. Mercedes-Benz Financial Services ( MB Fin Serv ) reports do not align with the customer online Transaction History report. The provided Historical Account Summary does not align with information on reports verbally discussed with the Customer Service Manager or Representatives. MB Fin Serv online reports and monthly statements do not provide any meaningful information to the customer. Reassurance the {$1400.00} has been applied to my loan are invalid. The loan outstanding balance increased by {$1400.00} dollars on XXXX XXXX and has not reflected my payments being made. What happened to my payments can not be explained by MB Fin Serv. I can prove I made the payments to them, but they can not prove they applied them to my loan.
Product: Debt collection

I am a victim of identity theft. From XX/XX/2020 until present I have repeatedly communicated with FLAGSHIP CREDIT ACCEPTANCE sending letters in the mail and faxed my police report. Yet they still refuse to remove this fraudulent account # XXXX from my credit report. I have filled repeat identity theft disputes with all 3 of the credit reporting agencies being in XXXX of 2020 til present and yet they refused to remove this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently joined a monitoring service and noticed fraudulent account reported from XXXX XXXXXXXX in the amount of {$5000.00} to TransUnion This account is fraudulent does not belong to me I have reported this account in which I have attached document.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I advised Equifax of the two accounts that aren't mine and submitted an FTC report and other information. XXXX XXXX was one of the two accounts I also requested information from XXXX XXXX They removed the fraudulent account, and after 3 months, I pulled my report, and they reinserted the account and Didn't notify me within 5 days, according to FCRA XXXX A. This is required. Equifax is in violation of my consumer rights. Attached is the investigation results for the discover account being deleted on XX/XX/year> and they reinserted it after 3 months without notification.
Product: Vehicle loan or lease

back in XXXX i lost my job due to my health conditions i been XXXX  since XXXX i been strugeling till now at that year it was my first time i was sleeping on the streets with my XXXX wife and at that too my social security income was cut off so had no income at all ive called the lender few times they didnt care after they took the car and sold it even my clothes and my family 's property that they were in the car we lost everything we tried to get at least our clothes no one wanted to tell us where was the car at im shocked now they are sueing me for a XXXX  father they will be aiming on limited income for my family now i dont know how to take care my family and to handle the bills cant afford an attorney i dont know WESTLAKE FINANCIAL SVCS Potentially Negative Account Info Account Name WESTLAKE FINANCIAL SVCS Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$11000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$21000.00} Highest Balance {$0.00} Terms 72 Months On Record Until XX/XX/XXXX Payment History XXXX XXXX XXXX XXXX XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX XXXX CO CO XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO Current on payments 30 30 Days Past Due R Repossession CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX Repossession as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XXXX XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XXXX XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX Additional info The original amount of this account was {$21000.00} Historical Info Original Creditor XXXX  Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone Number ( XXXX ) XXXX Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has alot of credit inquiries that I have not authorised. 

XXXX XXXX /misc reporting agencies on XX/XX/XXXX XXXX XXXX  XXXX XXXX national credit card cos on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX, Ca.XXXX on XX/XX/XXXX XXXX XXXX/ misc.reptg agencies on XX/XX/XXXX XXXX XXXX, oh. XXXX on XX/XX/XXXX XXXX/ XXXX  , Ca. XXXX on XX/XX/XXXX Ive tried numerouse times to file a dispute but equifax wont recognise my account. It does recognise my account if Im trying to see the status of a dispute. Ishould be allowed to access my own info when I provide all my personal info. I cant even log in to get my free credit report. XXXX XXXX is the only way I can see my equifax info. I did not authorise the inquiries so they should be immeidiatly removed from my credit report. The other credit reporting agencies do not show but 4 inquiries and equifax is inaccurate by stateing I have 11 inquiries. Im trying to get accurate info and a decent  score as I am a XXXX XXXX year old trying to get into a nice min. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : 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  These adresses do not belong to me. Please delete it from my credit report. 
2. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX 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.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX