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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$120.00}
Product: Payday loan, title loan, or personal loan

I wanted to change the auto payment amount but the company told me that I could not do so.
Product: Debt collection

After navy federal informed me that the account was XXXX they fraudulent took {$1700.00} from my account that I took from my retirement to pay my mortgage. I informed them that the money was from my retirement saving to pay my mortgage and they refuse to send it back to me I need them to honor there emessage
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give the company written or oral permission to furnish this information on my credit report. In pursuant to 15 USC 1681b this company did not have a written permissible purpose to furnish this information on my consumer report.
Product: Checking or savings account

On XX/XX/2023 I submitted a {$500.00} transaction through Ameris Bank for attorney services. However, I requested the {$500.00} refund due to services not rendered and no attorney client contract was signed. I also requested that he let the courts know that he is not my attorney. He sent me an email stating he never submitted any paperwork to the courts for my representation. After submitting evidence of the emails regarding the refund to the Ameris bank via XXXX XXXX. The XXXX letter on XX/XX/2023 stated they would reverse the {$500.00} provisional credit out of my account on XX/XX/2023. 

The attorney stated the money never went into his account on XX/XX/2023. I wrote a letter with facts and evidence attached on XX/XX/2023 in regards to the error letter Ameris Bank wrote me on XX/XX/2023 to reverse the provisional credit out of my account. Letting them know I am due the {$500.00} refund because the attorney never represented me and attorney services was never rendered. 

On XX/XX/2023 I submitted all facts and evidence to XXXX XXXX via email Ameris Bank Representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to USC 15 Ch. 41 ( III ) 1681 - Congressional findings ; Equifax reported false accounts, unauthorized inquires and scores to third parties. Therefore, not exercising its grave responsibility of fairness, impartiality, and respect for my right to privacy.
Product: Debt collection

Under the Fair Credit Reporting Act, JEFFERSON CAPITAL SYSTEM has violated my rights. 15 U.S.C 1681 section ( 602a ) states I have the right to privacy. 15 U.S.C 1681 section ( 604a ). Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. JEFFERSON CAPITAL SYSTEM violates UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection only. JEFFERSON CAPITAL SYSTEM is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified. According to 15 U.S. Code 1962e ( 8 ) communicating, or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. This account is listed on my credit in the amount of { {$790.00} }. The original creditor listed is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax refuse to remove these fraudulent trade lines from My credit report equifax refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also equifax refuses to remove XXXX and XXXX XXXX I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018, this problem has been going on for weeks. Even when they send my a NEW confirmation number, I always get the same response " YOUR INFORMATION DOES NOT MATCH OUR RECORDS!. This is my last STOP BEFORE I Take them to court JUST BECAUSE I CAN'T get access to my credit reports!

They need to fix the problem pertaining to why I can't get access to my reports when I input the same information they send me
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, I am submitting this CFPB complaint, once again, to correct the inaccurate accounts on my credit file. I demand immediate correction of these accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. 
These inaccurate accounts are clearly inaccurate and are negatively impacting my creditworthiness and by submitting this Complaint, I demand that you correct the accounts off as soon as possible : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file.XXXX XXXX XXXX Balance Owed XXXX XXXX XXXXXXXXThe limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Debt collection

i monitor my credit with XXXX and the following appears on my credit report.CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, MI XXXX as an open account. I called them up on phone asking who and what they are and what owed if anything. They asked social security number and then stated they do not have anything with me on their files. who? what? why are they appearing as open account if not knowing who i am? i told them remove your name from my report and was told they do not have to, for me to call reporting agency and do it. 
is that lawful?
Product: Debt collection

I spoke with a rep and ask for validation of debt. Which I have yet to receive.
Product: Mortgage

In XXXX, I took a job at a XXXX in the XXXX, and we started renting our house in XXXX, TN. After the XXXX and XXXX mortgages reset from interest only to conventional loans in XXXX of XXXX, We started struggling to make payments on both our XXXX and XXXX mortgages with SunTrust Bank because the rent did n't cover the payments. We attempted a loan modification on XXXX separate occasions, but were denied each and every time. Each month, we sent as much as we could towards the mortgages, but continued to fall behind. Finally, we got caught up and current on the XXXX mortgage, and called today to pay over {$2000.00} in order to get current on the XXXX mortgage. Much to my shock, I was told that the XXXX mortgage was charged off on Monday ( XXXX/XXXX/XXXX )! I asked how this was possible because SunTrust has been accepting my automatic payments each month and, in fact, accepted a {$500.00} automatic payment just yesterday?! I asked how they could charge off a mortgage with no formal notification whatsoever?! The SunTrust representative told me that letters were mailed out in XXXX and XXXX of XXXX notifying me that a charge-off was possible, and I explained that I never received anything. I asked if the letters were sent certified mail. She said they had not. Then, I asked her where the letters were sent, and she gave my address for a residence that is 2 years old!! I asked her how it is possible that SunTrust has been sending statements to my correct address, but not the letters threatening to charge-off my XXXX mortgage?! She told me the home retention department did not have my current address, despite the fact that I provided SunTrust Bank with my current mailing address in XXXX of XXXX when I agreed to the terms of the mortgage resetting from an interest only to a conventional loan and despite the fact that I made XXXX separate applications for loan modification using my current address since XXXX of XXXX. So, SunTrust Bank has charged-off my XXXX mortgage without properly notifying me, and the bank refuses to accept the amount past due to bring the mortgage current because I am tried to bring the loan current 2 business days past a deadline that I did n't even know existed because non-certified letters were being sent to an address where I have not lived for 2 years! All I am asking is that SunTrust acknowledge their inadequate communication, and treat this matter like it was XXXX/XXXX/XXXX by accepting my past due amount on the XXXX mortgage to bring it current and reinstating the loan so that I can continue to make regular monthly payments ( because the rent now covers both the XXXX and XXXX mortgages ). I hope you can bring some common sense into this situation. Thank you.
Product: Money transfer, virtual currency, or money service

All time is in Pacific Time below. 
XX/XX/2024 Evening : I scheduled a transfer with amount XXXX $ from my bmo alto  account to my XXXX XXXX account. 
XX/XX/2024 Morning : This transaction was marked as fraud by bmo alto  and my transfer fund was returned. My account was freezed and I lost my access to online banking. 
XX/XX/2024 XXXX  : I called the customer service at bmo alto  and I was transferred to the fraud department. The representative at the fraud department asked me to send an email to them including my id and a proof that the XXXX XXXX account is mine. I was told if I was not able to send this email within 15 days, my account will be closed and my money will be forfeited. I was scared. 
XX/XX/2024 Evening : I sent an email to the fraud department. 
XX/XX/2024 Morning : I called the fraud department and they said they would conduct an investigation and it would take up to 30 days.
Product: Debt collection

I have recently discovered a debt on my credit report that was posted without my prior knowledge or consent. This unauthorized entry has raised significant concerns for me, and I am now actively working to investigate and rectify this situation to ensure the accuracy of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXX/XX/2019 I mailed my monthly payment to Nelnet as I have always done for my student loan payment. I have always paid my student loans on-time every month with a 100 % on-time payment structure. On XX/XX/XXXX XX/XX/2019 I receive a notification saying that my five of my accounts with Nelnet are 90-140 days past do. I called Nelnet and they stated that it was reported as a mistake. They show that I am a full-time student with loans in deferment mode. They showed that they are receiving a {$30.00} payment per month as well. Although, my payments are not required, I still make payments to maintain my good credit score. My score has dropped due to this mistake from a XXXX to XXXX. I have never had a low score and I am asking if someone will please correct this. I struggle to make a monthly payment to Nelnet monthly and this is an insult. Thank you for allowing me to place this complaint as something needs to be done in reference to student loans being able to do this to people.
Product: Checking or savings account

XX/XX/2023 Received an email from : XXXX ( Chase Integrated Payments ) XX/XX/2023, XXXX EST Hi, Our review process is proprietary in nature, so unfortunately there is no information available for me to share. 
XXXX Chase Integrated Payments, Powered by XXXX They are holding my customer 's payment of over $ XXXX and saying they will be released after 120 days. 

I have never had a single charge back or issues in my merchant account. 
And no reason is given.
Product: Prepaid card

On Thursday XXXX XXXX I went to fifth third bank atm on XXXX XXXX XXXX XXXX XXXX IL XXXX to deduct {$540.00} from my account. The atm read an error code, did not dispense the cash, and didnt give a receipt. Immediately after I attempted a transaction to deduct {$50.00} which did dispense. The next day I checked my government ebt card and learned that the {$540.00} came out of my account but I didnt receive the cash. On XXXX XXXX I went into the branch, same location, and spoke with a branch manager name XXXX XXXX. She stated she would count the atm and get back to me by Wednesday. On XXXX XXXX I went to the branch to meet with XXXX, she stated the atm was not over and could not give me the credit to my account. She sat with me while I contacted the Illinois department of human services which she learned that they dont do investigations and the credit should come from fifth third bank since thats the atm owner. XXXX contacted me after leaving the branch stating I wouldnt receive my credit back and there was nothing she could do. I asked for her manager contact information it was not given to me, I am unable to find a cooperate office contact for fifth third. I have filed a police report regarding this matter as well.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and requested a .Formal Request for Removal of Inaccurate Account Information. The Information is follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Listed on Report : XX/XX/XXXX As allowed under FCRA 1681g, I requested a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. 

Section 1681s-2 mandates that furnishers of information ( creditors ) provide only complete and accurate data. I request that you verify with the data furnisher that each detail complies with these legal requirements. If the furnisher fails to provide full verification for the full-length term of this account starting on XX/XX/XXXX to XX/XX/XXXX, please remove this entry from my credit report in adherence to the FCRAs accuracy standards. 

Nothing requested was received by XXXX however XXXX has continued to incorrectly report this account causing me issues with obtaining credit and housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has received two letters on XX/XX/2019 and XX/XX/2019 Respectively. I ask for the verification on a supposed bankruptcy that is on my credit report. They came back that it was verified per XXXX XXXX. They refused to provide me the person, address and the person of whom they spoke to, to verify this. They have violated the Per the FCRA 623 ( a ) ( 5 ) : I have written prove that it does not exist on my XXXX XXXX  file. Therefore it should be removed immediately..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 6 Hard Credit checks in the past year, the 4 most recent ones are all fraud and have significantly impacted my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have tried contacting the companies, they tell me they denied the credit and there is nothing they can do, so they instruct me to call XXXX, XXXX, and Transunion. I have done so and placed freezes on all my accounts. They tell me to contact FTC to remove inquiries. The FTC tells me to contact CFPB. This is NOT an easy process for someone just trying to block/report fraud. 

I have uploaded docs from XXXX, and XXXX XXXX  XXXX who didn't hard check my account probably because I already bank with them ). I will continue to reach out to XXXX, XXXX XXXX and XXXX XXXX, but they make it VERY hard.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information from my credit report, as maintained by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion regarding the following erroneous entries on my credit report. Despite the considerable time that has passed, TransUnion has not provided any response. I am providing the details of the incorrect information and the necessary corrections below : Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3800.00} Please remove this account from my credit report. 

Account : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Please remove this account from my credit report. 

Account : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Please remove this account from my credit report. 

Account : USDOEXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$30000.00} Please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX XXXX XXXX and the major credit bureaus TransUnion XXXX XXXX XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the XXXX XXXX XXXX XXXX ( XXXX ) [ XXXX XXXX. XXXX et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX et seq. ], XXXX XXXX XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from TransUnion, XXXX, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and XXXX. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with TransUnion, XXXX, and XXXX immediately, in accordance with the FCRA and XXXX. If XXXX XXXX XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX of XXXX is reporting my wifes closed negative account on my credit the account has been paid but still should not be on my credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX. Social security XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 U.S. CODE S 1681B 15 U.S. CODE S 1681S-1 that you, Equifax, TransUnion, Experiancredit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This have been a on going problem that Ive been trying to get this resolved with multiple complaints made by the CFPB This fraudulent, inaccurate, and false information consists of an account that opened up by ( OFFICE OF ATTORNEY GENERAL acct XXXX XXXX opened XXXX XXXX ) Also with the following closed accounts appearing on my FICO consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries closed accounts as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.