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

Doing an investigation on my credit report, I found several items on there to be inaccurate. Any inaccurate information shall promptly be removed per 15.U.S. Code 1681 The following accounts and personal info are not being reported correctly. Please remove them : Personal information XXXX XXXX XXXX XXXX NC XXXX ( not my address Please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXX ( wrong information reported please remove ) XXXX XXXX XXXX wrong information reported please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX account ( wrong account info please remove XXXXXXXX XXXX  account ( wrong account information please remove ) XXXX XXXXXXXX account ( wrong account information please remove )
Product: Mortgage

Down payment ( against loan total ) on XXXX XXXX of {$100000.00} & first monthly of {$1600.00} have not been posted with Network Funding. 
Several attempts to resolve issue with Network have been made but no progress.
Product: Debt collection

Last week I received a voicemail from a XXXX XXXX in AARS. He left a vague message saying that I owed money and to call him. He also called friends and family and called my sister and spooked her as he mentioned her by full name and contact details like her home address and other personal info. When I contacted him he said I owed money but was not saying from where he worked with and for who he was calling about. When I asked to verify who he was he got hostile and said I was stalling the process and he was going to put a judgement on me if I didnt act in 3 days. Yesterday I got a voicemail from him saying theres a judgement on me and that they were looking for me but failed to find me so I was going to be marked as a non compliant and the court case will go without me. That they could not reach me at my house or my job. But no one came to my house because I was home all day. I did my research and the account he speaks of is not under his company and there is no judgement in my county against me. Today I called him to ask him to verify the account and send me the paperwork that shows that his company is handling the account through mail and he refused saying that if they did that for all their customers they would spend millions. When I said it was my right and the law he said not to read those phony government websites. He then said that he will file the paperwork to sue me and because I was unwilling to work with him but he was not trying to verify who he was or the account. I had called my original creditor and the company and the amount did not match with his. He was also sketchy because he called from different number and the company number he gave is not found online. He said only he was the only one that can work with the account and nobody in his company or the original creditor could help me. Then he said good luck to you and in life. 


The information of the individual XXXX XXXX AA Recovery Solutions XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS SERVES AS A FORMAL AND INITIAL COMMUNICATION TO COMPLAIN THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INFORMATION REGARDING LATE PAYMENTS ARE INACCURATE. 

XXXX OF XXXX ( MARKED AS 120 DAYS LATE XXXX XXXX XXXX XXXX XX/XX/year> ( 60 DAYS LATE ) XX/XX/year> ( 60 DAYS LATE ) XX/XX/year> ( 90 DAYS LATE ) I RESPECTFULLY REQUEST A THOROUGH AND ACCURATE INVESTIGATION INTO DATA ASSOCIATED WITH THESE ACCOUNTS, ENSURING THAT ALL NOTATIONS, DATES, PAYMENTS AND BALANCES ARE REPORTED CORRECTLY. I ALSO REQUEST SPECIFIC EVIDENCE PROVING THAT THE ALLEGED LATE PAYMENTS WERE IN FACT LATE. TO VERIFY THIS I AM REQUESTING COPIES OF STATEMENTS AND PAYMENT TRANSACTION RECORDS FROM CREDITORS THAT DEMONSTRATE MY PAYMENT WAS SUBMITTED LATE. 
UNDER 15 USC CODE 1681e IT IS YOUR RESPONSIBLILTY AS THE CREDIT REPORTING AGENCY TO VERIFY THE ACCURACY OF THIS INFORMATION WITH THE REPORTING CREDITORS IF YOU ARE UNABLE TO PROVIDE PROOF OF THE ALLEGED LATE PAYMENTS I ASKED THAT YOU UPDATE MY PAYMENT HISTORY TO REFLECT A " PAANL '' ( PAID AS AGREED NEVER LATE ) STATUS IN ACCORDANCE CONSUMER PROTECTION LAWS.
Product: Checking or savings account

on friday XXXX XXXX i was trying to make a transfer from my account to my sister through XXXX, and it kept on declining, i received a text from my bank asking me if i was trying in make this transaction i replied yes i received another text stating that i need to contact my bank fraud department at XXXX which i did they confirmed if i was trying to make this transaction and i confirmed it, the gentlemen ok im going to unblock the card and tried it again 5 minutes, i tried it again and once again it didn't go through i received another test asking to contact the fraud department, i called again and they once again said to try it later, i explained to them that this was urgent that i had family emergency and i was sending my sister money through XXXX, she stated-that everything was fine and that i shouldn't have any problem, i explained to her that my father was very ill and i would be traveling on saturday and i wanted to make sure everything was fine, i gave it some time and i once again gave it another try to send the money to my sister, and once again it declined i was told at that time that my card had been placed on a temporary hold by the security department and that their department was closed until monay and there was nothing that they could do, i begged them to please do something as my father was very ill. and their replied was that they could not do anthing, i was no able to catch a flight or transfer money to my as my card was disable, my father passed away on saturday night, and i was not able to be there, due to not having any of my funds aviable, i have contacted them this morning and all they could say is that someone has to call me back, i am still waiting, this is not acceptable, i never received a call a ect or email notifying my that me card was going to be on temporary hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, Equifax, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match my records.

3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 

4. XXXX XXXX XXXX limit is reporting on XXXX. 

The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.
Product: Checking or savings account

I hope this letter reaches you in good health and spirit. I paid my safe deposit box in the Wells Fargo bank at XXXX XXXX XXXX, XXXX, North Carolina, XXXX ( Where my box is located ) on XXXX with XXXX XXXX teller agent and its not reflecting my payment of {$65.00}. I dont wan na be charged a late fee so I took the time out on my sons Birthday to come in and pay the {$65.00}. XXXX XXXX withdrew {$65.00} the funds out of my Wells Fargo checking and told me she paid my safe deposit box with it. It is showing not paid, I do not appreciate it. This has been a nightmare with this box and I have had this safe deposit box since XXXX  and never had a problem until this year XXXX. I advised it was a problem with paying different from any year this year XXXX  and its like executive department isnt taken my matter serious. I went in and took time out of my busy day on my sons Birthday to make sure it was paid, XXXX XXXX as well and I also went in there with my XXXX year old XXXX. It was only one teller open as well so I had to wait extremely long and the lady before me was coughing bad and I dont want me and my XXXX  plus my family at home to catch Covid 19. Instead of someone helping me pay the {$65.00} in the executive branch over the phone to make it easier for me as a XXXX with children they did not do that. Now my payment is not showing up of {$65.00} I paid in full. Im very dissatisfied customer. This whole safe deposit box was not handled properly and the customer I received was very poor. Can you please fix my safe deposit box and apply the full payment I made of {$65.00} so I can go on with my life Im tired of worrying about this for weeks leading to months. Thank you for your time. Have a wonderful day and please continue to be safe.
Product: Credit card

I purchased a bottle of XXXX from XXXX on XX/XX/2022 for {$40.00}. They sent me XXXX bottles and charged my credit card ( AllyXXXX ) {$190.00}. I called the company and said I wanted to return all for a refund. They advertised 100 % refund within XXXX XXXX They refused, and offered to reduce the price by 50 %. I refused and asked for a refund. 

I filed a dispute with AllyXXXX  credit card. They just today XX/XX/2022 refused my disputed and send a vague letter say I did not provide enough information ( without specifying what information was missing ). 

I called today to appeal the dispute, and the Ally representatives were less than helpful. I asked for more specific information as to
Product: Credit card

XX/XX/XXXX I applied for a Wal-Mart Credit Card because of a breech of my personal information by XXXX XX/XX/XXXX I have a credit block on my credit file Sychrony Bank ran my credit not only for the Wal-Mart credit card that I applied for but also for a Steinmart Credit card which I did not apply for. On XXXX XXXX, XXXX Synchrony Bank sent me an email with the determination of the Wal-Mart credit application by email with a link embedded in the email. The link did not work so I contacted Synchrony Bank by phone and spoke to XXXX who informed me that the application was declined because of the could not pull my credit score to approve the application. She place me on hold and while she did I accessed my Credit via XXXX, XXXX and XXXX and discovered that Synchrony had pulled my credit score not once but twice. The representative XXXX stated that she would send me out the reason for denial however she advised me to remove the Credit Block from my credit file to have the application processed. When I questioned the validity of her suggestion she explained that if I wanted to have the application processed this was what I needed to do. When I confronted her with the fact that Synchrony Bank had already pulled my credit twice for XXXX different credit cards she thanked me for calling and the call was ended.
Product: Vehicle loan or lease

End of lease return for XXXX XXXX was due XX/XX/XXXX around XX/XX/XXXX, I noticed online terms said 3 year XXXX mile, but the contract we signed and executed said XXXX miles. I contacted XXXX immediately ( via chat ), and they said I would have to discuss with dealership. 
XX/XX/XXXX, we returned the car to the dealership ( XXXX XXXX ) and they said they would look into it. 
XX/XX/XXXX XXXX XXXX from XXXX XXXX said I needed to submit the final liability statement to him and that he had received approval from XXXX to credit us for half the over mileage fee ( car had XXXX miles ). 
XX/XX/XXXX I responded stating that half did not make sense to me. I signed a XXXX lease agreement, why should I pay for mileage I didn't agree to. This was for my daughter while in college ( 5.5 hours a way ) and we knew she would need more than XXXX miles. In fact, we bought an all-inclusive warranty product through XXXX that went through XXXX miles. 
XX/XX/XXXX XXXX responded with documents from the point of sale ( typical car dealership notes on paper ) saying XXXX was agreed upon. I had already discussed with him in person that we discussed both options in the initial sales discussions. He could not produce an executed contract that showed XXXX miles. 
Around XX/XX/XXXX, I received a call from the original salesperson asking what I intended to do with the car. Now I am really confused ... I emailed XXXX and the general manager asking what was going on again? 
I followed up two more times ( XXXX and XXXX ) wanting to know what was going on? I started receiving collection calls from XXXX finance. 
XXXX, XXXX XXXX, the general manager responded to my email saying the lease was returned and grounded and any remainder in balance would be sent to me by XXXX XXXX. 
XX/XX/XXXX, I received my final liability statement. It now includes the entire mileage overage charge of {$1300.00} ( XXXX miles ) and is due on XXXX. I am being charged for mileage I paid for through the lease contract. In addition, the process of " turning the car in '' was unclear, not efficient, and took way too long. I feel as though turning the car in is a bad thing and they want to use the initial contract to force me into another XXXX product. That was the very first question I was asked when I told them about my contract issue. It seems very deceptive and unfair for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraudulently opened an account for a timeshare under my name and social. I have been in contact with XXXX XXXX since I became aware of the issue. XXXX XXXX from the XXXX XXXX department advised via email on XX/XX/2021 that the account would be closed and removed from credit reports as this sale was null in void and never signed for. 

I was also advised to file a report with the FTC and to dispute with the credit bureaus. 

XXXX XXXX does not have any validating information regarding this account. The only information provided is an UNSIGNED Deed of Sale and an email stating the sale was NULL IN VOID. 

XXXX and Equifax have failed to delete this fraudulent account. All documentation confirming this fraudulent activity was provided to the credit bureaus. 

The following account needs to be deleted : XXXX XXXX - XXXX REPORTED {$6700.00}
Product: Debt collection

On XX/XX/XXXX, I received a call from United Auto Credit regarding a car that I " purchased '' through XXXX XXXX XXXX in XXXX XXXX I live on an island called XXXX which would require me to spend hours on a plane to even get to the XXXX let alone XXXX XXXX. I do not live nor have I been to XXXX XXXX since XXXX ( for basic training ). I explained to the agent that I did not purchase a vehicle on XX/XX/XXXX. The person had my date of birth and the last XXXX of my social security. I was informed that they will investigate and get back to me. I received a call the following morning at XXXX ( time difference ). I did not get that call, so I got on their website to speak with a live agent who then instructed me to file a police report. I then requested for any documentation of this purchase and it was emailed. I was able to do the police report with the screenshots of my conversation with the agent as well as the " vehicle contract '' I received in my email. I was only able to get the front page of the report which only stated my information, my case number, and the classification of my complaint. Getting anything else will require a detective, which I am waiting for. I was told that may take a week or XXXX. I also tried to run my credit report to see if this vehicle loan was on my creidt history, but I am unable to be identified for a credit report. I have tried XXXX different credit bureaus and I am left with the same issue... I can't be identified. 
I have done a little research of the location of the dealership on XXXX maps and the last photo was in XXXX of an empty lot. The address of the person who used my identity to purchase the vehicle in XXXX XXXX is a XXXX XXXX. 

I need any help I can get.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been affected by a data breach and I have sent in all documents as requested and the company fails to block and remove these accounts that I have know knowledge of.
Product: Debt collection

I am writing to address a critical issue concerning a fraudulent account that has been inaccurately listed on my credit report. Specifically, I am deeply concerned about the inclusion of the account linked to XXXX XXXX XXXX with the reference number XXXX.
Product: Debt collection

A company calling themselves XXXXXXXX XXXX at XXXX is threatening to serve my husband at work and sue us for a debt that we paid many years ago. Original creditor was XXXX XXXX and our account is paid in full. This is the second time this same fake debt has attempted to be collected using threatening tactics. They are calling my husband, me, and my father in law with these threats.
Product: Debt collection

capital one closed my account with out any noticed and ask me to pay off what i own. it was XXXX XXXX 
i paid in full XXXX months ago but they have not updated the system yet they took my cash out. 
i kept calling and asking them to fix it but they blocked my number and i cant get in touch with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing Experian credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Tally your reporting adverse account information to credit bureaus regarding my account with you is considered extortion. YOU ARE IN VIOLATION OF XXXX XXXX Code XXXX - Collection of extensions of credit by extortionate means. TALLY you reporting adverse account information to credit bureaus regarding my account is perceived to be a threat to force me to repay my debt and to punish me for the nonrepayment of my debt by way of the negative reporting to the credit bureaus which in terms directly negatively impacts my creditworthiness and financial reputation. The adverse account information you are reporting to credit bureaus regarding my account with you has lowered my credit score and made it impossible to obtain credit. It's essential you remove the adverse account information youre reporting to the credit bureaus regarding my account with you in relief OF 18 U.S. Code 894. FURTHERMORE, ANY VIOLATOR OF 18 U.S. Code 894 shall be fined under this title or imprisoned not more than 20 years, or both. I implore you to work with me in resolving this matter expeditiously. Thank you in advance!
Product: Mortgage

Truist incorrectly applied late fees and reported my mortgage as late in XX/XX/2022 to the credit bureaus. After bringing the issue to the attention of Truist, I was assured in writing that the correction would be made and the fees removed. Despite continued assurances, neither has been corrected and this has been extremely damaging to my financial well being. I am happy to provide all documentation showing where Truist stated this would be corrected and where it still sits on my credit to this day. 

Truist continues to assess late fees every month PRIOR to the date the mortgage is considered late and then reverses the charges a few days later. This practice is deceptive and causing many errors and inaccuracies in my account, as well as hours of my time wasted. Letters are physically sent to my address daily saying that my mortgage is late when it is on time, and emails continue to be sent stating the same. If I have until the XXXX to pay my mortgage, I should not be assessed fees until the XXXX XXXX on XXXX of the month. Truist continues to be inaccurate with my account despite my payments being on time every single month. This is beyond harassment. I am happy to provide documentation and look forward to hearing back in a timely manner.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XX/XX/2024 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this