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

Branch Banking and Trust aka BBT has been reporting false account information on my credit report for at least 3 years. On XX/XX/XXXX they updated a closed account from XX/XX/XXXX by changing my payment history. BBT admit to reporting false information on my credit account for 3 years. My XX/XX/XXXX payment status went from 180 days late to 120 days late. Which dropped my credit score 91 points. On XX/XX/XXXX they admit to reporting false info on my payment status from XX/XX/XXXX from 180 days late to 120 days late. Dropping my credit score 4 more points. I have court documents that remove me from the responsibility of the loan. When I asked XXXX   to investigate this I did not receive any help. I would like this investigated and removed from my file for falsely reporting inaccurate info for all these years. They have no reason to go back now and change my credit score. The account is closed and settled. XXXX   also needs to be in trouble for not investigating what BBT are doing here. BBT reports false info on your credit file BEWARE!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My family purchased a car with me as a Co buyer without my knowledge. The company says they verified the information which is impossible. However, because my mother was on the loan and she is now XXXX I decided to help so this car could stop affecting my score. I settled the loan as less than the amount owed with XXXX XXXX ( the collection agency provided by Capital One ). I was never told that the collection company would take 30 days as well as the creditor ( Capital One ) would take an additional 30 days. I am in the process of purchasing a home and this account is significantly affecting my home buying process. Capital One sold the account to a collection agency, XXXX XXXX reported the account had late pays the entire time the account was in collections causing a double negative effect. I really would like someone to review this matter. I have yet to obtain paperwork from capital one stating the account was settled in full. I have reached out to the CEO, customer service, as well as many other representative at Capital one and XXXX XXXX. I received long, disconnected phone calls and no solution to any of my problems. My consumer rights were violated on numerous occasions and I would like Capital One to rectify the situation. 



Not admitting to the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Additionally, I have a  Fraud Victim Alert in  place with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 according  to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit.  XXXX  told me this is not supposed to happen with  a Fraud victim Alert in   place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?
Product: Credit card or prepaid card

Bank of America ( BOA ) apparently issued a credit card to someone else using my name. The " fake account '' was able to run up a balance of {$30000.00} before BOA closed the account. All three credit bureaus showed this fraudulent account on my credit report as 120 days past due. I contacted BOA in XX/XX/XXXX, as soon as I knew that this was taking place. I contacted BOA again on XXXX. Beginning XX/XX/XXXX, I have contacted them over a dozen times. In each case, I get transferred around to get the " right department ''. I have been hung up on twice and had employees refuse to identify themselves. They have made promises and done nothing to fix this problem. I submitted a FACT Act request for information. BOA has sent me the statements of the account. However, they declined to send the application for credit for the fake account in my name. I have filled a dispute with all three credit bureaus. XXXX and XXXX have removed this false information from my record. However, XXXX maintains this false information on my record based on corroboration they received from BOA. BOA caused this problem and has refused to correct it. This has affected my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  show status as past due 120 plus days. This mortgage was in process of loan modification and never exceeded 60 past due.
Product: Checking or savings account

On XX/XX/XXXX, XXXX separate charges were made that I did not authorize. Two charges were from XXXX, {$710.00} and {$890.00}, these charges posted XX/XX/XXXX. Two charges were from XXXX XXXX XXXX, each for {$88.00} which posted XX/XX/XXXX. I submitted disputes for these charges on XX/XX/XXXX. SoFi responded on XX/XX/XXXX to all four disputes stating that they had denied all of them. On XX/XX/XXXX, I reached out to SoFi by phone and the representative was unable to provide details. He did message their dispute team to open an appeal. I have not heard back from SoFi since XX/XX/XXXX. 

I also contacted XXXX customer service who opened a claim for unauthorized charges. I have not heard from them since XX/XX/XXXX.
Product: Checking or savings account

I opened a one year {$250000.00} CD in Citibank by transferring funds from an external account into account # XXXX on XX/XX/XXXX. The CD maturity date was XX/XX/XXXX. I chatted with Citibank agent XXXX on XX/XX/XXXX ( XXXX ), and was told that Citibank can not transfer the money to my external account at maturity due to its bank policy, instead, Citibank would send me a check to my address. But more than one month after this CD maturity date, I still havent received the money from Citibank 40 days after the CD maturity. I called Citibank at least 7 times regarding this issue and sent two emails to XXXX ( Citibank 's Executive Response Unit. ). All agents and supervisors told me different stories, but have never solved this problem. Since I needed to use this money right after the CD maturity, this delay has caused me tremendous stress, anxiety and financial plan changes The case number in Citibank is XXXX. The CD account number is XXXX. My chat with Citibank agent on XX/XX/XXXX is XXXX. I firmly ask Citibank to investigate and resolve this issue immediately and to compensate me for the time and interest I have lost due to Citibank 's negligence and delay.
Product: Credit reporting or other personal consumer reports

am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer, as mandated by law. 
On [ Date ], I noticed that XXXX account number XXXX was reinserted into my credit report without my knowledge or consent. This action violates the FCRA Section 611 ( B ), which outlines specific requirements for reinserting previously deleted information : ( i ) Certification of accuracy of information : The FCRA mandates that any information deleted from a consumer 's file pursuant to subparagraph ( A ) may not be reinserted by the consumer reporting agency unless the furnisher certifies that the information is complete and accurate. In this case, there was no certification provided by XXXX regarding the accuracy of the reinserted information. 
( i ) Notice to consumer : Furthermore, the FCRA stipulates that if any information deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer in writing not later than XXXX business days after the reinsertion. I did not receive any written notification from TransUnion regarding the reinsertion XXXX XXXX  account number XXXX my credit report. 

In addition to the written notice, the FCRA requires the consumer reporting agency to provide certain information to the consumer within XXXX XXXX XXXX of the reinsertion, including a statement that the disputed information has been reinserted, the business name and address of any furnisher of information contacted, and a notice that the consumer has the right to add a statement disputing the accuracy or completeness of the disputed information. None of this information was provided to me by TransUnion. 
It is evident that TransUnion has failed to comply with the FCRA Section 611 ( B ) requirements regarding the reinsertion of previously deleted material into my credit report. This violation has caused significant inconvenience and potential harm to my credit profile. 
Therefore I kindly request that TransUnion promptly rectifies this violation by removing the reinserted from my credit report and ensuring strict adherence to the FCRA guidelines in the future. 
Please acknowledge receipt of this letter and provide me with confirmation of the actions taken to address this matter. I appreciate your prompt attention to this issue and look forward to a timely resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

*the attached screen shot shows the libelous remarks reported by navient after the loans were closed due to being pd in full through the consolidation* This company repeatedly puts remarks on my reports that are libelous and false. They have reported after my loans were Consolidated from them to another lender that I disagreed with the results of the investigation when in fact I did not. I feel that this is retaliation for me filing a previous complaint with this organization against navient and I'm about ready to allow my attorney to file a criminal suits against navient for libel and violation of the Fair Credit Reporting Act for reporting false information to the bureaus. I have asked this organization on numerous previous occasions to not report false libelous information to the bureau 's and yes they continuously time and time again do so which I feel is retaliation and I'm about to retaliate against them myself by way of a lawsuits and a very negative media campaign.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Subject : Formal Complaint Against Wells Fargo : Discrimination, Account Closure, and Mishandling of Funds In XX/XX/year>, I deposited a check for {$33000.00} issued to me by my attorney as part of a settlement related to a motor vehicle accident case. Despite following proper procedures, Wells Fargo placed a hold on the entire amount and failed to release even the standard {$5000.00} that was supposed to be made available within a few days, as per their policies. 

Later, I was informed by the bank that the check was flagged as suspicious and required additional verification. However, without conducting or completing any investigation, Wells Fargo decided to close my account, effective XX/XX/year>. This decision appeared to have been made immediately following a phone conversation I had with a bank representative. 

During that conversation, I experienced discriminatory treatment. I firmly believe that the decision to close my account was influenced by my accent, my limited proficiency in English, my XXXX  XXXX origin, and my immigration statusall of which were evident to the bank employee. It seemed that my background and the way I speak caused the representative to presume unfairly that the check was fraudulent. Following this, the representative likely escalated the matter internally, leading to the account closure. 

Wells Fargo subsequently accused me of fraud, even though I provided the necessary documentation to prove the legitimacy of the check. I submitted a formal explanation, along with a copy of the settlement agreement between me and my attorney, and both the front and back copies of the check. Despite my efforts, Wells Fargo did not communicate with me, did not provide any updates, and failed to properly investigate the matter. 

Additionally, the bank blocked my access to my funds entirely, leaving me in a dire financial situation. They never released any portion of the deposited amountnot even a minimal sumand provided no explanation for their lack of communication. 

It is now XX/XX/year>, and I have still not received the original check back from Wells Fargo. This is unacceptable, as the check was issued by my attorney, and I should have been able to recover it promptly after the account closure. 

This entire experience has caused me significant distress and financial hardship. I believe Wells Fargos actions were discriminatory, unethical, and grossly negligent. I am filing this complaint with the Consumer Financial Protection Bureau in the hope that this situation will be thoroughly investigated and that appropriate actions will be taken to prevent others from experiencing such treatment.
Product: Credit reporting or other personal consumer reports

Please remove the following account and inquries listed below this is not correct please review and remove it now. Here 's the lists XXXX XXXX XXXX XXXX  XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disagreement with your investigation responses. 
The incorrect items listed below still appear on my credit report, even after you their investigation. I would like these items immediately re-investigated and for good cause. 


XXXX XXXX XXXX : Inaccuracies Last verified date Date of last activity Date reported Date opened Date closed Last payment Account type Credit limit Account number XXXX XXXX XXXX Last Verified : Date of Last Activity : Date Reported : Date Opened : Closed Date : Last payment XXXX XXXX XXXX High Balance : Last Verified : Date of Last Activity : Date Reported : Date Opened : Balance Owed : Closed Date : Please see the several issues on my report and address them accordingly : These inaccuracies are highly injurious to my credit rating and are being reported across all credit bureaus. These inaccuracies fail to meet FCRA requirements. 

I have never received a 1099 form for the above charged off accounts 15 usc 1692 g I do not recognize how these accounts are reporting on my credit report I dont recognize the account number, status, high balance, or late payments associated with it. everything reported here does not meet the FCRA reporting requirements Fair Credit Reporting Act, Section 609 I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding the items listed above that are listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1. The names and business addresses of everyone with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law. 


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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$7600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. 
SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I filed a complaint with the CFPB regarding Equifax 's handling of my credit file. Equifax continues to ignore my complaints in the handling of my credit file. I reached out to the number that was provided in the last complaint which indicated that my file was to be handled by the Office of Consumer affairs. Upon reaching out the the office of consumer affairs my request of making my file avaliable have been ignored. 

The office of consumer affairs is no better in handling my file. I'm still spoken to in a rude way by its reps and my file isn't getting the level of treatment or attention to correct the issues that it deserves. I've asked for a supervisor or manager call back now at least 8 times and I haven't received not one call back as of XX/XX/2020 dating back from early XX/XX/2020. 

Many times the office of consumer affairs don't even take the consumer calls after sitting on hold up to an hour or more. I've escalated filed several complaints and have had zero resolution to my issues with Equifax.
Product: Credit card

XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding GM XXXX Credit Card Payment Rejection Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unfair practices by GM XXXX Credit Card related to my recent attempts to make payments on my account. I believe their actions constitute foul play and were designed to unfairly impose additional charges on me.

Here are the details of the issue : XXXX. On XX/XX/XXXX, I submitted a physical check for {$2800.00} to GM XXXX Credit Card. This check was accepted and processed without issue. 
XXXX. On XX/XX/XXXX, I submitted another physical check for {$16000.00} to pay down my balance before an interest accrual deadline. This check was rejected without justification. 
XXXX. I believe this rejection was intentionally done to prevent me from avoiding interest charges on the {$16000.00} balance, as my interest-free period is nearing its expiration.

The rejection of my payment is highly concerning and appears to be an unfair and predatory practice aimed at maximizing profits through interest charges, despite my good faith effort to pay my balance in full. This inconsistent acceptance of physical checks, especially for a larger payment, lacks transparency and undermines fair business practices. 
I request the following resolution : XXXX. That a credit of {$16000.00} be immediately applied to my GM XXXX Credit Card account as of the date I originally submitted the check. 
XXXX. That any associated interest or fees related to this incident be waived. 
XXXX. That GM XXXX Credit Card provides a clear and written explanation for their inconsistent acceptance of physical checks. 
Kindly note I can provide confirmation receipt for the {$2800.00}. 
I trust that the CFPB will thoroughly investigate this matter and hold GM XXXX Credit Card accountable for any violations of consumer protection laws. 
Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. 
Concerned Veteran XXXX XXXX, XXXX