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

My name is XXXX ( XXXX ) XXXX, which is a very common name. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported the wrong payment time and amount of my credit report I called about getting a late payment removed due to cov for the month of XXXX and XX/XX/XXXX And they added 17 late payments to my account wow I have uploaded and copy of my bank statement and a copy of my credit bureau report from transuion and XX/XX/XXXXshowing the incomplete and inaccurate late payments days and amount from XX/XX/XXXX to XX/XX/XXXX please remove all these late payment from these years
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Account Balance - XXXX Account Ending in XXXX To Whom It May Concern : I am writing to formally dispute the reported balance associated with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The balance reported for this account is incorrect, and I am requesting a thorough investigation and correction. 

This account was charged off by XXXX XXXX ( XXXX ) and is now under the purview of XXXX XXXX XXXX for collection. A charged-off account is recognized as a financial loss for the original creditor, and, under generally accepted accounting principles, XXXX should no longer report any balance due. Therefore, the balance should reflect XXXX, and any continued reporting of this balance by XXXX is misleading and inaccurate. 

Furthermore, I have noted that XXXX has been engaging in a predatory and fraudulent practice by continuously re-reporting late payments every month on this closed and charged-off account. This is not only a violation of the FCRA but also an unethical and deceptive tactic aimed at damaging my creditworthiness. These actions undermine the integrity of credit reporting and constitute fraudulent behavior on the part of XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I also request that XXXX XXXX XXXX provide full validation of this debt, including : 1. Documentation proving the accuracy of the amount claimed. 
2. A detailed explanation of why XXXX is reporting a balance despite the account being charged off. 
3. Proof of XXXX XXXX XXXX legal authority to collect this debt. 

If XXXX and XXXX XXXX XXXX can not substantiate the claims regarding this account, I respectfully request that : 1. XXXX immediately update its records to reflect a XXXX balance on this account and cease any further re-reporting of late payments. 
2. XXXX XXXX XXXX halt all collection activity on this account, in accordance with the FDCPA. 

Please respond to this dispute within the legally mandated time frame as required by the FCRA. Additionally, I demand that you refrain from reporting this debt or any associated balance to any credit reporting agencies while this dispute is under investigation. 

Your prompt attention to this matter is appreciated. Please provide all correspondence in writing to the address listed above. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found out that you are illegally reporting inaccurate information about me. I have attached proof of these accounts reporting differently with all 3 bureaus. Some of these accounts have been previously disputed and have come back verified but how is that possible when they are all reporting something different? The XXXX XXXX XXXX account is even reporting as account type unknown. How are you reporting an account if you dont even know what type of account it is? Furthermore how is it coming back verified? The proper investigation has not been done on these accounts. Remove them immediately. 

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

My wells fargo credit card account was closed because, they claimed after I made XXXX payments that went through successfully and then were reversed because they felt that the fact that I was making duplicate payments that it was suspicious activity and claimed I was abusing the credit card, which is ridiculous because how do you abuse a credit card if you are just making payments? I went in today into a wells fargo ranch in person to be asisted by a gentleman named XXXX. He made calls to XXXX people and he was even as shocked as I was. He looked at the activities. He is the one who made the calls and was given the reason why the account was closed. He even tried to ask them to reopen the account because he even sees that I made payments successfully but was told because the payments were reversed 3 times for suspicious activity within a 30 day period that the account would remain closed and I would have to reapply for another credit card which I refuse to do. That is not a good accuse to close my account. Especially when I was already making payments. There was nothing XXXX could do and they said I would need to look out for a letter in the mail.
Product: Debt collection

I received a collection letter and sent debt validation letter within 30 day period. company continued collection activity by calling me twice before verifying debt attempting to collect asking if i wanted to make arrangements to avoid litigation. they lied and said that they sent verification but they did not. they " claimed '' they sent to the incorrect address. both times i told them that i did not want to discuss until i received verification. they finally sent the verification and when i opened their letter, it was dated 3 days after their last phone call to me where i told them i would not discuss this until i receive proper verification. i was called again last week and told them i was researching what they sent me and they gave me a deadline and threatened to sue me again. the information they sent me was fabricated and unauthenticated. also per XXXX not only did the oc lie about the sale of the vehicle, they failed to send proper legal notices and is not due a deficiency judgement. and they better not lie in their response because i have every single detail well researched and documented. this has stressed me out completely and i have spent hours of my time researching this issue when i should not have to.
Product: Money transfer, virtual currency, or money service

Hi there, so on XXXX XXXX - I mobile deposited a check I got for {$1100.00} into my Chase account, from the rental company of my apartment for the past 2 years. It was my security deposit I was getting back from having moved out. The rental company is called XXXX XXXX XXXX. The following Monday, the XXXX, I discovered only XXXX $ of the check had deposited - so I called Chase to find out what happened, and they informed me that my account was being restricted. And in order to lift the restriction they had to speak to the maker of the check, XXXX XXXX XXXX. And if they did not speak to the maker, the account would close in 10 days and the money would be held in suspension indefinitely. Unfortunately, XXXX XXXX XXXX does not have an office phone number, as it is independently owned, so I was unable to put Chase in contact with them. Chase told me they must speak with the maker, or I could have them put a stop on the check. But when I contacted XXXX XXXX XXXX ( the bank the check came from ), they told me they could not stop the check because the funds were cleared from their account and were placed into my Chase account. I attempted numerous times to contact XXXX XXXX XXXX, but they refused to provide a direct # for Chase to call, and Chase refused to provide a direct # for XXXX to call. And XXXX XXXX kept telling me there was nothing they could do, as it was out of their hands. I 've tried to find every possible loophole, but now Chase has closed my account completely, still holding the funds in suspension. They refuse to both return the funds back to XXXX XXXX, or lift the restriction off my account for me to access the funds, unless they speak directly to XXXX XXXX XXXX. Which, as I said, I am unable to put them in contact with. I 've spoken to several banks and they all say there is no reason Chase should want or need to speak with the maker of the check, they should only need to talk to XXXX XXXX to establish that the check is legitimate and the funds were cleared. Also, a few days before my account closed, I saw that the complete funds, {$1100.00} were in my account! Which means the check did clear and they were legitimate, however Chase still kept a restriction on my account and insisted on speaking with the maker. I am at a loss of what else to do, I feel like I 've had this money stolen from me, for no reason, and I hope there is a way to fix this situation and get me the security deposit I rightfully earned. Thankyou.
Product: Bank account or service

I went into Bank of America XXXX branch located @ XXXX XXXX XXXX, ma XXXX. I was making a deposit for a business that I am an employee of. The teller, XXXX XXXX, asked for my license in order to complete the cash deposit. I complied with his request and handed him my license. I asked for a copy of the banks privacy policy regarding personal information because he was entering into his computer all of the information that was on my drivers license. XXXX XXXX refused to produce this document. I called Bank of America customer service ( XXXX ) to ask for a copy of their personal information privacy policy and they refused to supply that as well. The phone operator told me that she could put in a request for this information to be sent to the account holder but that since I did not have an account I could not have access to this information. I strongly believe that the Federal Privacy Act is being violated in this instance. I have the right to limit the sharing of some of this information and I am not being allowed to do this.
Product: Credit card or prepaid card

I keep trying to pay my bill online but PayPal refused to help me fix my account issue I try to pay using my checking account that I have always used for the last 10 years but since COVID started Im not able to make any payments unless I call which is incredibly frustrating and is illegal. I will make my accounts current if they allow me to pay online not call it in wasting loads of my time. I have waited 2 hours just to make a payment because they cant fix the issue and keep passing the bucket this making it hard for me to make my payments on time I have a XXXX XXXXXXXX and this is causing lot of stress. Please see that this is fixed Im truly having a hard time its been going on for a year now please help
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I received a phone call from XXXX from someone who sounded like he was from XXXX or XXXX wanting to finish the details of a loan application. I had to repeatedly ask him where he was calling from and he said, " One Main Financial. I am in terrible financial shapes after not getting XXXX or unemployment or even the Covid checks because of a car accident. I needed a personal loan and unfortunately, got caught up in the websites that don't sell loans but send to other aggregtators so you keep receiving billions of texts only to continue filling out the information with no direct loan opportunity except payday loans. So the man asked me how much I wanted and I told him I really need {$4500.00} but definitely have to get at least {$1500.00}. He said that it says between XXXX - XXXX at {$150.00} per month was on the application and was that ok. That tipped me off because this amount I put down the first time I went through this cycle in XXXX. No financial institution waits one month to get back in touch. He then wanted my checking routing and account number to deposit the funds. And I asked him to tell me what options I have for paying back the loan in terms of mail, ACH, bill pay or do they perform a sweep to my checking account. He kept on repeating his request for my info. and acted like or maybe really didn't know or was prepared to answer a simple question that I had. I kept asking him and then said to him does One Main Financial take ACH payments or Bill Pay? Still no response except for wanting my info. I asked to speak to a supervisor or manager to find out if this was legit and the answer to my simple question of how this institution gets paid back. He didn't even try to put someone on the phone and asked if I wanted the loan or not. I said, thanks your acting in a fraudulent way and I'm reporting you because you can't even answer a simple question but want my bank information. I called the loan inquiry number at One Main Financial and their automated system said they don't have my phone number on record for an application. I hope that One Main Financial can respond and inform whether they have an employee or contractor that possesses this phone number. If they do, much needed training is necessary and I'll apologize to them for implicating fraud because thats a serious charge. But, I don't think it was them and they should be made aware.
Product: Checking or savings account

On XX/XX/XXXX, a fraudster hacked into by business checking account ( Truist ) and wired out ( {$8100.00} ) ( {$9800.00} ) and then again ( {$9800.00} ) using a new email address he or she created in my account to authorize the transactions. The bank gave me no notice this was happening and used no reasonable method to authorize the transactions. 

This then happened again onXX/XX/XXXX with amounts of ( {$8100.00}, {$11000.00}, and {$7800.00} ) which made my account balance {$0.00}. Again, no red flags or authorization from my husband and I who manage these accounts. Since my husband and I were locked out of the account- we called the fraud dept and waited on hold for an hour but could not get a hold of anyone. The bank later stated that the phones with the fruad department were down at that date and time. 

We went into the branch because we were locked out of our account on Friday XXXX XXXX and saw that the funds had been stolen. We immediately instructed the bank to flag these transactions as fraud and take the necessary steps to get the money back. 

It's been 15 business days after the funds were stolen and there is no update from the bank. I did all the necessary reporting to the local and federal authorities on the issue and made a claim with the commissioner of banks in North Carolina. I have also sent many emails which yield no response. I have also contacted ( called ) XXXX XXXX from Truist almost every day since I was notified she is supposed to be my point person from Truist on our case and I have never gotten a call back. I will enclose the only formal response I have from the bank- which does not state much. I just received this today. 

Also- I'm repeatedly told from Truist that they ( did not ) and do not have to submit CTRs to XXXX . I believe they are legally responsible to submit a claim. Wire fruad is a federal crime and they may be delaying the FBI 's response by neglecting to give them necessary information regarding this massive theft.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX that Ive made payments monthly from my XXXX XXXXXXXX account was mistakenly reported as fraudulent. I sent numerous affidavits stating it was a mistake and the account I was paying on through my XXXX XXXX XXXX account monthly was mine. I was told the card was being investigated, not closed and then it was restricted, still not closed. I tryed making a payment to the card this month but it was restricted and therefore was unable to. I received a call from an account specialist from XXXX XXXX stating I was being issued a new card with my balance transferred but the account wasnt closed. However, i received an email from Experian saying XXXX XXXX rejected the card closed, fraudulent but issued another card and now all my credit history was wiped out! Which I can prove I made payments. This goes against the FCRA and my rights to correct reporting! Im trying to buy a home. This was an error in the CFPB sending the wrong information to the wrong card as the XXXX is mine-now theres inaccurate reporting being done to the bureaus and it needs rectified! The account was never closed! The balance was transferred and the account is still active!
Product: Checking or savings account

XX/XX/23 I opened up a saving account at Citi bank and transferred {$100.00}. I checked that it worked so I transferred more money to save using a different device. And because of that they closed my account. I contacted them many times about refunding my money back but they did not refund or reject the transferring money I had to go to the other bank that I transferred from and reverse the ACH authorization and I was able to get my money back. However, I havent got the first transaction {$100.00} back yet, Ive been calling them a several times, they kept saying youll get a check from us during this time but I havent got it yet. According to them, my account got closed XX/XX/23 - XX/XX/23 ( they said it takes 30-60days to closing my account ) and since XX/XX/23 I called them a few more times but I havent got my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment for {$440.00} on XX/XX/2022 for my XXXX car note payment. However there was an error with my bank that stop the wrong payment. I realized in XXXX that I had a late charged I immediately called Carmax to bring the payment current and to tell them that it was an error. I asked for a courtesy removal of the late charge since it was an error with my bank. They refused to do so. When I have proof that it was an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has started reporting to all three credit bureaus as of XX/XX/2022 with an open date of XX/XX/2022 ( incorrect open date ) and shows a credit limit of {$1100.00} ( incorrect ) with a balance of {$580.00} ( incorrect ), which now has my credit usage at 53 % ( incorrect ). ALL of this information is INCORRECT! I have had this account open for at least a year now, ONLY have a spending limit of {$450.00} ( doesn't say anywhere that it is a line of credit or credit card ), and ONLY have a balance of {$12.00}, which I planned to pay off this Friday XX/XX/2022, so my limit should only be XXXX %. This is FRAUD!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Bank Account Number : XXXX 2.Account name : XXXX Account number : XXXX 3.Account name : XXXX XXXX XXXX XXXX Account number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$4100.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX SXXXX-Balance $ XXXX Opened : XX/XX/XXXXXXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX
Product: Credit reporting

I called the Experian customer service number they told me that inquiries can not be removed off of my report I know that is not true I would like the name the telephone number and extension of the person they speak to And the reason why If not deleted here is a list of inquiries XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX
Product: Checking or savings account

To whom it may concern On Friday, XX/XX/2023 I was part of an intense scam, where I was promised a loan. The person claimed they were from XXXX XXXX, which is a legit company I was sent documents to sign He made a mobile deposit in the amount of {$1200.00} which was not authorized by me. I was told to go to XXXX and purchase XXXX XXXX in the amount of {$750.00}. I was only able to purchase one for XXXX $ He told me my funds would be in my bank account the next day, however, the next day my account was on fraud block, the man disconnected the phone and nobody here at citi is able to give me an update as to what my checking account balance is because they claim it is closed due to me, not having a savings account open violating terms. 

I was just paid on Friday, XX/XX/2023 in the amount of XXXX and something dollars I cant log into my payroll unless Im at work. But the amount was XXXX and something dollars. 

The man took out the money he put in and also removed more of my money .Every time I call citi fraud department Im transferred over and over and over again nobodys able to give me any information only that my account being closed for a savings account issue. Told me they cant access my account balance. I have not made any purchases on this day other then the XXXX XXXX XXXX I was told to buy. 

Ive attempted to report the fraud issue and not getting anywhere. I have no access to any money Citibank is the only bank I had. I emailed Citi as well attached fake documents and XXXX XXXX that I had to purchase and receipt from XXXX. also attached the mobile deposit in which I did not authorize in the amount XXXX $ I contacted the attorney Generals office and reported the scam. I also contacted my state department for fraud scams. 

Please see that this is immediately looked into. My account is now closed for a supposed savings fund issue but Im reporting fraud. As nobody will take my fraud call and says my account is closed.

For savings fund issue. Where there is an actual fraud issue.

Im unable to obtain any information from them and they continue to say my account will be closed and I have no access to my money or any money. They say any funds will be mailed to me in 30-60 days. I have spoken to every department and get nowhere. 

Thank you. XXXX XXXX