23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never late or past due. This account was paid on time, every time XXXXXXXX XXXX Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for three days to get Equifax to lift my security freeze so that I can refinance my home. Their website keeps crashing, and when I call their " Customer Care '' line, it becomes an endless loop of automated messages. I have never been able to talk with a human being. 

Per their automated message, I have sent them a fax, including a copy of my driver 's license and a utility bill, requesting a 30-day lift of the credit freeze. I sent that fax TWICE to XXXX
Product: Debt collection

XX/XX/2017 sent a dispute letter to the 3 credit bureaus asking to verify this collection not known for me and never receive any comunication attempting to collect any amount from XXXX XXXX.

After few weeks receive by regular mail a letter with a check mark indicating the debt is mine and a statement of XXXX  dollars for a cell phone account.

I ask the credit bureaus to validate this information and Convergent fail to reply straight to the bureuas with original contract with my signature on as lroof of any debt with a cell company or any proof to owe any money to XXXX XXXX.

They never contact me or provide physical evidence of any debt related to phone company or XXXX XXXX.

Attached is a file they are indicating a debt without right validation.
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Reporting of Late Payment on my credit report relate to the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Request for Incorrect Late Payments under the FCRA, specifically 15 USC 1681. 

I am writing to dispute an incorrect late payment report on my credit report, specifically in regards to the accounts referenced with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Upon thorough review of my credit report, I have identified discrepancies in the reporting of these accounts. To the best of my knowledge and records, I have consistently paid these accounts on time and in accordance with the agreed-upon terms. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and your company. Payment history, particularly late payments, negatively impacts my consumer report and constitutes a part of such transactions and experiences. 

Additionally, under 15 U.S.C. 1666 ( b ), I request documentation of the reasonable procedures you have in place to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. This documentation should include all information required by 15 U.S.C. 1637 ( b ) regarding the contents of such statements. 

Reference

to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have consistently been adhered to. Therefore, the account should be reported with a status of " Paid As Agreed Never Late '' to accurately reflect my timely payments. Any deviation from this status misrepresents my financial responsibility and commitment to fulfilling my payment obligations. Request for Proof : To v
alidate the reporting of late payments on these accounts, I request the following : Documented proof supporting the claims of late payments, including dates, amounts, and any relevant communication. 
In the absence of valid proof, I demand that these accounts be promptly updated to reflect their accurate status as " Paid As Agreed Never Late. '' Request for Timely Investigation : In accordance with the ( FCRA ), I request a thorough investigation of this matter and a written response within 30 days of your receipt of this letter. Failure to adhere to this timeline will be considered a violation of the ( FCRA ). 

Please treat this as a formal dispute under the ( FCRA ). If the inaccurate reporting is not corrected or a satisfactory resolution is not provided, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written response with the results of your investigation. If you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( XXXX, Experian and XXXX  ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( XXXX, Experian and XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX my XXXX my XXXX my experian reporting wrong an inaccurate info and unverified info that's not my. name, address, number, and unverified account information
Product: Checking or savings account

Chase closed my checking account saying there was fraud on my account. I don't have anything that constitutes a fraud in my transations. They are unwilling to work with me to discuss the transactions they think is fraud and is holding my balance for over 3 weeks now that I need to purchase a home. Their branch managers won't help me to release my funds and they keep saying the same thing over and over again that my check will be mailed and in is process. I want to sue think bank for holding someone else 's funds for prolonged period of time and make them pay me interests for holding my account.
Product: Debt collection

On XXXX I disputed a {$2100.00} collection, I requested that the debt be validated in that request.
Product: Credit reporting or other personal consumer reports

Experian 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 Experian, 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 Experian has neither corrected nor removed inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX conspired with several companies to unlawfully report inquires that wasn't authorized by me ; CHRYSLER CAPITAL : 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 sent a letter on XX/XX/XXXX to Experian. To remove personal information that doesn't belong on my credit report. I also filled an ID theft report on XX/XX/XXXX. I submitted a complaint with the CFPB on XX/XX/XXXX to Experian about the issue # XXXX. Also, Experian continues to violate FCRA 15 USC 1681 laws. One more problem is Experian has yet to correct these issues. It seems that they will continue to violate the law and my issues. Someone needs to hold them accountable.
Product: Mortgage

Every year with TD Bank they purposefully say they never receive my homeowners insurance. They charge me a ridiculous fees. I email, fax and even sent a paper copy of my insurance policy in with my bill. They say thet never get it. At the last minute they say it's been fixed but it never has. Even though i payed and they have cashed my checks they say they can't fix my loan to reflect the correction. It is a scam they try every year to squeeze money out of me or ruin someone's credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$8900.00} XXXX # XXXX XXXX XXXX XXXX   XXXX  Opened XX/XX/XXXX Balanced $ XXXX # XXXX XXXX XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced {$280.00} # XXXX XXXX  XXXX Account Opned XX/XX/XXXX Balanced {$220.00} # XXXX
Product: Credit reporting or other personal consumer reports

I don't understand how " companies '' like XXXX, Equifax and XXXX handle our financial, it doesn't matter how many good transitions hit you credit report you loose points, Equifax on XX/XX/XXXX my mortgage decreased by {$34.00} I lose XXXX points, on XX/XX/XXXX I had a new credit card with a {$600.00} spending limit but instead of getting points I dropped another XXXX points and got forbid I spend {$1.00} extra from last months I lose another XXXX points. this is insane even to get a new job they have to run your credit and some jobs won't even hire you if you don't have good credit but how can we progress if even good thing your score drop and they just want to blame it that its system generated but the damage is dome.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I previously disputed these items asking them to verify the accuracy of these accounts with proof of verification and in their response they verified the items as " Verified as Accurate, '' which implies they have verified the information with the court and medical provider. I contacted the court and their response was, they DO NOT report to them or any credit bureau or third parties. And they are implying that I signed a content form to release medical records, diagnosis, fee schedule pertaining this account. It is my believe that their original response is an error or a lie!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letter, dated XX/XX/XXXX to Equifax, regarding inaccurate information that they have been reporting on my credit report. That information is the following ; XXXX XXXX XXXX XXXX from XX/XX/XXXX, XXXX XXXX from XX/XX/XXXX, XXXX XXXX, Dept of Education, and Child Support. Its been 45 days and i have not received any response.
Product: Debt collection

$ XXXX monthly payments was originally taken by Arete Financial Freedom, then, {$250.00} and an enrollment fee of {$500.00} dollars.
Product: Checking or savings account

On XX/XX/year> my wife mailed a check to XXXX  XXXX XXXX XXXX  for {$1900.00}. We received an assessment notice for demand of XXXX  due dated XX/XX/year>. Upon review of our account online, we saw the check had been manually altered with a person 's name written above XXXX XXXX XXXX XXXX on the 'pay to ' with information on the memo line scribbled out. The same person 's name was the endorsement on the back of the check and XXXX  Mobile  deposit was also printed with account and transaction numbers. We notified our bank of this check fraud and instead of coming to our aid, they required us to provide documentation that we had a tax bill to pay, suggesting that we were somehow involved in the scheme! We have reluctantly supplied the information requested, but I fail to see how that solves the larger problem of how did this check clear through our account? Does this mean there are no safeguards in place for mobile deposits made by fraudsters bank-to-bank? If this check were presented to a teller I would not be dealing with this now.
Product: Debt collection

In XXXX my bankruptcy was finalized through a federal court action. My student loans were private in nature, not guaranteed by the United States Department of Education. There is over {$1.00} XXXX in student loan debts that are guaranteed by the United States Department of Education, and by federal mandate these debts are not dischargeable by a personal bankruptcy. However, all privatized student loans can not be enforced without a direct state court action of my domicile. In the case of my original student loans, they were procured by XXXX, sold off into a securitized trust, and eventually they sold off the servicing of these loans to at least two collection agencies, disguised as servicers of federal guaranteed loans. My bankruptcy filing is 100 % legitimate, and the fact that there was no dispute presented on the filing is proof enough that the only action that could have been taken was by an action for summary judgment. The student loans discharged were against the current servicer at the time of filing in XXXX, that being XXXX XXXX XXXX, and since the discharged the loans were picked up for servicing by American Education Services. The latest collection agency is a private collection agency that must have federal oversight through the Federal Trade Commission. The current actions by the latest agency has done damage to my personal credit, even though they have no right to collect on a debt that was discharged by an action I took within a federal court. The current agency is nothing more than a subsidiary of XXXX XXXX XXXX, a scam practice whereas my rights can continue to be violated. Bankruptcy is protected by the United States Constitution, where every American citizen has a right to claim insolvency. My rights under the Fair Credit Reporting ct and the Fair and Accurate Credit Transactions Act are being violated. This collection practice must cease permanently, and any or all references to this past debt must be deleted from my pertinent credit reports immediately.
Product: Credit reporting or other personal consumer reports

Subject Formal Complaint Regarding Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau, XX/XX/year> My name is XXXX XXXX XXXX, and I am filing a formal complaint against XXXX, XXXX, and XXXX for their failure to remove inaccurate information from my credit report, despite my repeated efforts to address this issue. Specifically, I have a student loan that has been fully paid off ; however, it continues to appear as active on my credit report. 

This incorrect information not only constitutes a violation of my privacy but has also caused significant harm to my financial well-being. The presence of this inaccurate data has negatively impacted my creditworthiness, limiting my ability to access credit and secure favorable financial terms. 

I have taken proactive steps to resolve this matter directly with each of these credit reporting agencies. I wrote letters requesting that they remove the incorrect information from my credit report, including a demand to remove all related information associated with the paid-off student loan. Despite my efforts, the agencies have failed to act in a timely and appropriate manner to correct these inaccuracies, further compounding the harm caused. 

As a consumer, I rely on these credit reporting agencies to maintain accurate and reliable information, as required under the Fair Credit Reporting Act ( FCRA ). Their failure to uphold these standards is unacceptable and warrants immediate attention. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that my credit report is updated to reflect accurate and complete information. Additionally, I urge the CFPB to take appropriate measures to ensure these agencies comply with their legal obligations to protect consumer data and prevent further harm caused by such inaccuracies. 

Please let me know if additional documentation or correspondence is required to assist in resolving this issue. I appreciate your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Our company owns the trademark for XXXX XXXX as well as for its logos and other details. Cash App, owned by Square Inc, allowed a non-sactined person to setup a cashtag of XXXX XXXXXXXX while allowing our trademarked logo to be used. It is unaccaptable that it is this easy for anyone to use our companies likeness to open an account and steal money from our customers. This hurts the customer and erodes faith on our brand.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 ( XXXX XXXX  ) I was contacted by a phone number that my XXXXXXXX XXXX caller ID identified as Wells Fargo, my bank. The number was ( XXXX ) XXXX. The caller identified himself as a representative from Wells Fargo and said there had been a potentially fraudulent money transfer from my account, and that I needed to take steps to reverse it. The caller asked me to log into my account using the Wells Fargo app, which I did. The caller talked me through the process of sending a money transfer of {$1500.00} to myself, which I was told would fix the problem. 
This seemed strange and suspicious, so I asked to caller to explain exactly why this action was necessary on my end. His answer wasn't satisfactory, so I stopped the process and did not complete the transfer, hanging up on the caller. At no point did I give any sensitive information to the fraudster. 
Shortly after the call, I checked my bank balance and {$1500.00} was missing, despite my not completing the process. Ibelieve the fraudster was able to hack my account or phone and complete the process on his end by some method, perhaps explaining why he insisted on my using the app. ( He did have the technology to trick my caller ID. ) I called Wells Fargo at XXXXXXXX XXXX to report the fraud. It is clear the transfer was made AFTER I got off the phone withthe fraudster but BEFORE I called Wells Fargo. Out of an abundance of caution, they said, I had to close my checking account immediately and open a new one. This had, for me, the unintended consequence of making it now impossible for me to verify more details about the transfer since that account is now closed and I can not view it online. 
Wells Fargo has refused to replace the money. CFPB regulation ( 12 CFR Part 1005 ) states that the bank is required to replace the {$1500.00} because I did not give the fraudster and personal info. I was not scammed, I was defrauded, and this theft is the legal responsibility of Wells Fargo and they are hiding behind the lack of a paper trail and the obvious flaws in the security of their online services.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my XXXX and Experian reports, it shows that i have a XXXX XXXX. This violates the GBLA federally enacted law that requires Financial Institutions to Not disclose non public personal information to non affiliated third parties, unless the consumer receives sufficient notice. 
Give customers the opportunity to opt out from having their information shared in certain situations. 
Protect the personal and financial information of their customers against unauthorized access or use. 
Not only have I never been given the option to opt out of having my personal information shared across 2 different credit bureaus, but this has also caused detriment to my overall score and report to drop drastically. This would in turn negatively affect any attempts to receive a loan or to be granted a home. I would need this error removed expeditiously as I am a federally protected consumer per the Privacy Act of 1974 and the Right to Financial Privacy Act of 1978.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened a checking account with Chase Bank on XX/XX/2023 and deposited two ( 2 ) payroll checks from my current employer on XX/XX/2023. A couple days later I tried to access my checking account, but it was closed and funds taken by Chase Bank. The 2 payroll checks were the ONLY transactions/deposits I ever made with that account. 

I called Chase Bank and their representative informed me that they did not have any information to provide other than that my account was being " investigated '', and that they were under no obligation to offer any further explanation. 

I have visited my local Chase Bank branch on XXXX XXXX. in XXXX, Virginia and spoken with the branch Manager ( XXXX XXXX XXXX as well as other representatives, and offered evidence of my payroll stubs or have them verify me through ccc.verify.com. The only resolution they have offered is to have someone verify that the money was given to me from a verified phone number ( in their system ). 

I subsequently made an appointment, physically provided XXXX XXXX and XXXX phone numbers for verification. The branch rejected the telephone numbers I provided because the number belongs to XXXX XXXX rather than XXXX. I explained that XXXX is a corporation under XXXX, but I was told they cant release it. 

Lastly, the Chase Bank Fraud Department somehow found the CEOs phone number and said the system verified it. They contacted the CEO about my situation without my knowledge, and when she responded that she wasnt aware they told me they werent going to release it. How would the CEO of a multi-billion dollar corporation be aware of the banking predicament of XXXX of thousands of employees? 

Any help you can provide is greatly appreciated this is XXXX hours I worked that I never got the money for. I am a XXXX old, full-time XXXX  XXXX, whose ONLY means of paying rent is my job. Chase Bank is attempting to steal my money and I have no way to fight them. I am now aware that there are many other people who have had, and are having, similar experiences with Chase Bank. 

I need help.
Product: Debt collection

I SENT SEVERAL CERTIFIED LETTERS TO PORTFOLIO RECOVERY ASSOCIATES VIA U.S. MAIL AND BY EMAIL. THE LETTERS WERE RECEIVED BY PORTFOLIO RECOVERY ASSOCIATES DURING THE WEEK OF XX/XX/2023 AND THE FOLLOWING DATES OF XX/XX/XXXX AND XX/XX/2023. MY LETTERS ARE REGARDING THE VIOLATION OF MY NONPUBLIC PERSONAL INFORMATION BEING REPORTED BY PORTFOLIO RECOVERY ASSOCIATES ON MY CONSUMER REPORT WITHOUT MY CONSENT UNDER 15 US CODE 1681b PERMISSIBLE PURPOSE. I ALSO SPOKE WITH THE PORTFOLIO RECOVERY ASSOCIATES DIRECTOR OF DISPUTES ON XX/XX/2023 AND XX/XX/2023 REGARDING THE VIOLATION OF MY RIGHTS TO PRIVACY AS A CONSUMER. THE DIRECTOR OF DISPUTES FOR PORTFOLIO RECOVERY ASSOCIATES ARGUED WITH ME STATING PORTFOLIO RECOVERY ASSOCIATES HAD THE RIGHT TO REPORT ON MY CONSUMER REPORT BECAUSE THEY PURCHASED THE ACCOUNT FROM XXXX XXXX  ENDING WITH ACCOUNT NUMBER XXXX AND STARTING WITH ACCOUNT NUMBER XXXX.