23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I was contacted by Bank of America saying some fraud was detected on my account. They verified my info and told me to assist in making sure it wouldn't process. They said my account should be fixed in 6 hours little to say later on I noticed XXXX missing from my account through XXXX I have filed several claims with Bank Of America and XXXX. They have denied every attempt I've made to get my money back saying they were unable to retrieve they funds and I should contact the merchant. Like I know who they are! To add insult to injury the Bank says it's not insured. I never asked for XXXX and only used it because the bank has it I never requested that XXXX be able.to access my account like this XXXX XXXX. I am not the only vitim either Also I believe the Virginia Employment Commission VEC has been hacked along with other Unemployment Agencies across the country. I say this because One day I waa calling to file a claim and the VEC didn't answer. First it was the answering service for XXXX XXXX second XXXX XXXX  then XXXX XXXX and so on. I am XXXX yrs old and I have been a gamer all my life I know when there is a glitch in the system. I tried to report this I left a message that was the best I could do. I figured the government would figure it out soon enough. I guess they haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send this agency and the three bureaus a certified letter stating the fair reporting act, and 15us code and asked them to remove all inaccurate... old items, fraudulent hard inquiries dating back to XX/XX/2021 ... .credit card that are closed that are still reporting..they still will not remove these items. They were to remove ALL old addresses..jobs..phone numbers etc... they still refuse!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information con concerning the individual about whom report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate and incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promplty delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information that the information has been modified or deleted from the file of consumer. 
Please remove the following items from credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$33.00} XXXX XXXX **** Balance Owed : {$90.00}
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate and Unverified Information Dear XXXX XXXX Department, I am writing to formally dispute several inaccuracies and unverified information reported on my credit file. These accounts contain errors that violate provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of the disputed items : XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX - {$400.00} Late 120 Days It is illegal under the FDCPA to report a collection account as late. This account is inaccurately listed as a late payment. Additionally, the collection agency has failed to validate this debt per 15 USC 1692c. I request the removal of this incorrect information from my credit report immediately.

2. 
XXXX XXXXXXXX {$0.00} Inaccurate Late Payment This account was inaccurately reported as past due in XX/XX/XXXX. My TransUnion report shows that it was past due only in XX/XX/XXXX. However, this auto loan has been fully paid, and there was never any delinquency. I request that this account be updated to reflect " Paid, Never Late '' status, as per 15 USC 1666B.

3. 
XXXX XXXXXXXX {$220.00} - Incorrect Late Payment This account was paid in full on XX/XX/XXXX, as evidenced by the attached bank statement showing a {$25.00} payment. It is inaccurate and unjustified for this account to show as a late payment. Please update this account to reflect " Paid, Never Late '' status. 
XXXX. 
XXXX  XXXX XXXX {$200.00} Open Date XX/XX/XXXX This account was never properly verified. A complaint has been filed with the CFPB, which referred the matter to the OCC. XXXX XXXX has failed to provide sufficient information regarding this account. As a result, I request that this account be deleted from my credit file due to the lack of verification. 
XXXX. 
XXXXXXXX XXXX XXXX XXXX  Fraudulent Account XXXX {$31.00} I was advised by XXXX XXXX XXXX XXXX that this is a savings account with overdraft, but I have never opened a savings account with this company or conducted any business with them. This account is fraudulent and must be removed from my credit report immediately. 
I have attached relevant documentation, including bank statements and correspondence, to support my dispute. Under the FCRA, you are required to investigate and correct any inaccurate or unverifiable information on my credit report within 30 days. Please send me written confirmation once these issues have been resolved. 
Thank you for your cooperation. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and an FCRA violation. XXXX  # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification.
Product: Credit reporting or other personal consumer reports

They have inaccurate accounts on my credit report.
Product: Mortgage

In XXXX of 2013 I became unemployed, I had mortgages on two houses. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I tied for almost 3 years to sell XXXX eventually even short sale but was unable to. My saving depleted I gave the house back to Wells Fargo Bank. I had faithfully paid the mortgage for 14 years on the XXXX house, until I could no longer afford to pay them both. I have never missed a payment on my XXXX house. They have turned the Debt collection over to XXXX XXXX XXXX XXXX XXXX in XXXX Texas, in the amount of {$48000.00} which is on my credit and I 've contested it with the credit companies. ( see my credit report ). There is no Judgment against me or my wife, Wells Fargo knows full well my situation, I wrote a letter to them while trying to short sell and there were many calls made to loan officers. They have made their initial investment several times over through just the mortgage payments I made, then they sold my house. Wells Fargo shows account balance of XXXX. XXXX shows XXXX owed at time of acquisition, market value of XXXX? Now, I 'm XXXX ( XXXX XXXX ) and have a XXXX ( XXXX ) XXXX XXXX XXXX. I have to sell our dream house on the beach to move close to XXXX XXXX Hospital so I can possibly get a XXXX XXXX, they have made it impossible to get a mortgage, and have no judgment against me. Just put it as a bad debt in my credit report. Please help me and my family if you can, I feel I 'm being treated unfairly. I 've had good credit most of my life and pay my bills still. I gave back the house, I 'm a veteran, but that does n't count for much these days. I have no place to turn to!
Product: Prepaid card

I am a widow and a woman with a XXXX, I have limited money so I do XXXX on the side to support me and my daughter. On XX/XX/XXXX a client paid me via XXXX a deposit so that I can start a editing job for her FOR more than 24 hours I could not access my own money that I worked hard for. I contacted the business three times and I was advised that my money would be released so that I may transfer it within in two hours. I first called the business at XXXX on XX/XX/XXXX. I called again in the afternoon on the same day and was advised in two hours the website would be working. It is now 24 hours later and I have not been able to transfer my money to my prepaid card. 

I contacted them to ask them what were they doing to compensate for this inconvience. I was told nothing would be done. I still do not have access to my money and because of this I need to file a complaint against XXXX this is unacceptable I called again on XX/XX/XXXX spoke to a Rep named XXXX asked for his supervisor I was hung up on .... 

my client is upset because I promised her a sample before we got started on her project. I had to take money from my Personal savings account so that I can start on this project for a client because paypal 's prepaid card is having problems and you are not able to transfer money from your paypal account to your prepaid card. I use this account for my business and they are affecting my business. I asked them what they are doing to compensate for this and I was advised nothing would be done.
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 XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Wells Fargo Home Mortgage misrepresented payment history. Caused damaging effects on my living situation and credit.
Product: Checking or savings account

I went into the TD Bank and tried to open an account. The customer service person that opens the account for customers. Told me that she could not open an account in my name because I have a Checking account in collections. 

I don't have any TD Bank account in collections. In anytime someone owes the TD Bank or any bank, they have you pay what you owe first and then they go ahead and open the new account. 


I do know that my personal information was stolen back in XX/XX/XXXX that my XXXX  had in a box when she moved to XXXX. They stole all of my XXXX XXXX personal information, my XXXX and mine. 

Social security number, birth certificates and photos, date of birth. Old tax documents. On XX/XX/XXXX or so.. I can't remember the exact date it happened but some employees at TD Bank made stole out of my mother 's personal information and made online purchases close to {$5000.00} and my mother received a letter from TD Bank headquarters, stating that the employees has all of her personal information and were fired and arrested from TD Bank. 

TD Bank offered my mother extra XXXX years higher security on her TD Bank account. I believe that my personal information along with my mother 's has been compromised. In I don't have any collection accounts with TD Bank that I am aware of. Other than today when the bank employee said she will get back to me about collections on my account with TD Bank, and she didn't open the account for me. 

My mother 's TD Bank account was compromised in XX/XX/XXXX or so. 

I always thought when you owe the bank you pay right then, and they open your account. That's what they did with my mother. She paid what she owed on the same day they opened the account. 

I work XXXX days a week and the woman did want to open my account something is seriously wrong?
Product: Debt collection

CENTRAL PORTFOLIO CONT HAS REPORTED TO MY CREDIT THAT I OWE {$920.00} WHEN THIS DEBT WAS PAID TO ANOTHER COLLECTION AGENCY, XXXX XXXX XXXX 

Account number XXXX Collection opened XX/XX/2022 Account type Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Balance {$920.00} CONTACT : CENTRAL PORTFOLIO CONT XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MNXXXX  ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on to XXXX XXXX and noticed that there was an account opened in my name fraudulently. I never opened account in question so I am a victim of fraud.
Product: Student loan

XXXX XXXX XXXX is a collection agency that has my student loan. I worked out a voluntary payment arrangement of {$50.00} per month this past summer. I told them over the phone what day to take out the {$50.00} payment each month. They called me and said that the {$50.00} a month can not be accepted anymore and they will recommend wage garnishment. My understanding is as long as I am voluntarily paying they can not garnish my wages or take my tax return. I feel like they are trying to bully me into paying more.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collec

t unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ). Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation
( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged 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: Debt collection

On XX/XX/2018 a collection account was opened by Ability Recovery Services. This account is still opened to this day. I disputed this account multiple times for proof of debt and have not received any proof. This collection account affects all 3 of my credit bureaus reports. I would like to address this immediately and get this negative remark removed from my credit reports. However, if they can provide me with proof of debt ownership then I would like to arrange an agreement to pay off this debt. If no proof is provided then please remove this collection.
Product: Debt collection

I received a phone call last week stating I owe {$12000.00} for health insurance. I am a XXXX  employee and was a XXXX  XXXX before that - since 2010. I was XXXX before that. The XXXX/my XXXX XXXX  has always paid my medical insurance directly from my paycheck. Ive never requested additional coverage ( especially to the tube of {$500.00} a month!!! ) I dont owe this debt. They sent me a letter in the mail today. It hasnt gone against my credit yet - but Im afraid it will. I have over 800 credit score and have had for over 20 years. Im tried to call the company and no one is available to speak to me. Even leaving a message cant be done because the automated system hangs up on me. This letter demands I provide my full social security number, account number, a description of my complaint ( their errors ), the dollar amount I owe ( even through they told me what I supposedly owe but so not owe ), date of their error ( but I have no idea what this is about - first time I heard of this was last week when the lady told me I owed 12 grand and hung up ), and a copy of my credit report. Um. Not o my no, but XXXX no. Im not giving a random company all the info they need to steal my identity. They cant even get it right that I dont owe a XXXX ton of money for something Ive never purchased. This is obnoxious. I dont owe them anything yet they dont provide a means to speak to someone, and the burden is on me to chase them down and provide vastly personal information. Why would I trust them with this info even if I did owe money???? 
How can I get them to stop asking me for money I cant owe since Ive ordered {$500.00} a month medical insurance I didnt need?
Product: Debt collection

I submitted a previous case XXXX for reference. CommonWealth Financial Systems report XXXX derogatory comments on my consumer credit profile with XXXX and XXXX. I initiated a complaint as I have never received any written or prior notification from them. CFS then responded to my complaint stating they needed an account number. As I never received a notice from them, I did not know what account number to reference. I finally received a notice dated XX/XX/XXXX, received XX/XX/XXXX stating that I owed for a medical debt in the amount of {$270.00} to the original creditor of XXXX. Since CFS refused to verify the debt, I contacted XXXX by phone and spoke to representative XXXX today, XX/XX/2017. She could not verify the account numbers provided from CFS 's notice, nor look up any outstanding debt based on my name or Social Security number. 

Commonwealth Financial Systems has failed to abide by law with mandatory notices and placing the derogatory remarks on my credit profile. This complaint is to be served to them as my official request in writing to provide written verification of the debt, which includes the original creditor 's name, address, and phone number and services provided so that I might verify their claim. As I was unable to verify it over the phone provided by the actual original creditor, I am interested to see what documentation will be provided. 

If supporting documentation is not sent rectifying the discrepancy above, I will add fraud to my claim when I file my lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX {$17000.00} ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; FACTUAL DATA XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.