23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 ). I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. I hope these disputed accounts are updated. 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 correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

I'd appreciate it if you could update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have reached out several times and tried so so many times to get these accounts on my credit that are not mine removed. At this point the next option I have is to hire an attorney to assist me because me doing it by myself seems not to be working. This is really causing me to lose money paying high rents when I can purchase. I know I can get approved now but I need this cleaned up so I can take advantage of the best offers for me as a first time home buyer. I have filed a complaint with the FTC and the police here. I really need some help I am doing this on my own behalf. Please remove these accounts that I dont know anything about XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXXXXXX and XXXX XXXX XXXX. I have tried and tried again to try and get this handled with these companies and no response and cant get anywhere even with management.
Product: Debt collection

I mailed Wells Fargo Bank a request for them to provide me with documentation proving the unknown account they have open on my credit file is somehow belongs to me. They have sent no documentation verifying I signed up for this account. Wells Fargo cant provide a record of me signing a contract to open the account.
Product: Checking or savings account

In the early part of XXXX, we were the victims of altered check fraud. A check we had issued ( Check # XXXX, dated XX/XX/XXXX ) was acquired by the perpetrator via theft, and the check was altered from its intended payee ( XXXX ) and intended amount ( {$170.00} ) to a fraudulent payee ( XXXX XXXX ) and fraudulent amount ( {$4800.00} ). The altered check was then submitted for deposit/cashing to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The amount was deducted from our checking account on or around XX/XX/XXXX, which is when we became aware of the fraud. 

We immediately notified Bank of America, and the check was stopped, despite being deposited already ( see attachment XXXX ). At an in-person appointment on XX/XX/XXXX, to address the fraud and determine next steps ( see attachment XXXX ), we requested help from Bank of America to recover our stolen funds. The checking account had already been locked, and we were directed to communicate with the fraud department at Bank of America, via ( XXXX ) XXXX, which we attempted to do several times. Finally, on XX/XX/XXXX, we were directed to submit our request in writing ; we submitted the official request to have our funds returned to our bank account ( see attachment XXXX ), after receiving evidence that XXXX XXXX XXXX XXXX had returned the funds in full to Bank of America ( see attachment XXXX ). 

Inexplicably, we received a letter from Bank of America saying the claim was resolved and that they had issued a credit to our bank account on XX/XX/XXXX in the amount of {$4800.00} ( see attachment XXXX ). This was not true, as our account statements clearly show ( see attachment XXXX ). Our bank records and account balance had no record of this transfer, and we contested the letter by phone ; the associate we spoke to confirmed that no deposit had been made and said that a correction would be made right away. No correction was made. Since then, we have had phone conversations with associates at the fraud department, and they have repeatedly failed to return our funds to us, despite the fact that the fraudulent funds have been returned to Bank of America by XXXX XXXX XXXX XXXX. 

Dates of some phone conversations with representatives to the Bank of America Fraud department include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also had another in-person appointment at a local Bank of America branch XXXX XX/XX/XXXX. On each occasion, we were given different explanations for why the funds were not available. At times, Bank of America blamed XXXX XXXX XXXX XXXX, at times they acknowledged their own mistakes and promised to rectify them promptly ; most recently on XX/XX/XXXX, XXXX assured us that our funds would be deposited by the end of the day. 

At this point, we find no reason to trust that Bank of America will in fact return the money that is ours, and so we turn to the CFPB for assistance in resolving the issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX 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 XXXX days before the payment due date. 


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 XXXX  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: Credit card or prepaid card

Discover cards closed my account stating that I needed to pay at least the minimal amount, which I have. 
This is an adverse action it is discrimination and unlawful. It is prohibited by title 15 USC 1691. For the purpose of this subsection adverse actions means a denial or revocation of credit the scope of this chapter is prohibited it is a discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

They Broke the law furnishing to my credit report without my consent the law clearly states " Pursuant to 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report ''. This is in fact another violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX again as well as opened disputes with TransUnion and XXXXx ( been multiple times XXXX to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XXXX/XXXX/XXXX I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully XXXX XXXX and TransUnion must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experian and XXXX fail to properly do a thorough investigation on my dispute.
Product: Credit reporting

On XXXX/XXXX/2016 - TranUnion is reporting that my vehicle was repossessed by XXXX XXXX even thought I paid off my vehicle in full a couple months ago and XXXX XXXX send me the title documents. I noticed my credit score dropped XXXX points since this error occurred. 
It is so interesting that when these companies make mistakes it is always in their favor and never in the favor of the consumer. Please help me in getting this matter resolved as I am unable to contact anyone at the credit bureau to correct this error.
Product: Debt collection

This has been on my credit report for years and I have tried over and over and over to dispute it and it keeps coming back and it's not removed off of my account I don't know what else to do I am at my wit 's end this is not my debt I'm not going to pay on something that I don't know and I haven't had any credit cards for 20 years so I don't know where this is coming from. I have disputed it several times and it's not nothing 's happening so I need it removed because I can not do anything with the credit the way it is. 
There are two accounts!!!!! One for {$450.00} and {$170.00}
Product: Money transfer, virtual currency, or money service

I am going to be filling against cash app ( block, inc. ) due to inadequate costumer service and unfair practices. Which violate the consumers financial protection act ( CFPA ). Specifically cash app for not taking the right measurements to prevent this. Leaving my account vulnerable and unprotected furthermore, their argument resolution process was unfair and deceptive ad they did not comply with error solution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused a financial loss and I seek appropriate redress and proper action
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX Date of inquiry : XX/XX/year> XXXX  XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send m
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on Wednesday XX/XX/XXXX because there is a late payment being reported on my credit report in XX/XX/XXXX. The representative stated he saw no late payments in my history but he could not go beyond 180 days in the past. I have never been late with my payments. I still have a current open account with XXXX XXXX that I want to keep.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX account on my credit report that does not belong to me. The only reason why I found out is that I was trying to co-sign for my daughter to buy a car at XXXX and I was unable to do so because of this account. I never opened it and I did not give anyone else permission to open this account on my behalf. I have no idea who opened this account using my personal information without my permission. I never made any payment towards this account nor did I get anything from it such as money, services or any other benefit. I filed a complaint with the CFPB, notified the company and filed a police report regarding this unauthorized account.
Product: Debt collection

every day staring @ XXXX continually calling and using different numbers including fake numbers with my area code and city numbers. I have answered many of these calls and they are bill collectors and it goes on hour after hour and day after day. I am currently working with a company to handle this and I have told these callers this but they keep calling. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Included is a list of accounts that were opened in my name fraudulently ( company and amount ) : XXXX XXXX ( hard inquiry ) JPMBC CARD SERVICES {$9900.00} XXXXXXXX XXXX {$3400.00} XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXXXXXX XXXX XXXXXXXX XXXX {$320.00} XXXX XXXX  {$13000.00} XXXX XXXX {$9100.00} XXXXXXXX XXXX  {$5000.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX {$490.00} XXXX XXXX  {$330.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$120.00} These accounts are a mix of credit cards, collections, and utilities. I did not open or have any knowledge of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

Im aware that XXXX  has closed my account and from what federal laws states in 15 USC 6801S-2 ( 4 ) ( 7 ) If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 15 USC 1681a ( p ) of this title furnishes negative/closed information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative/closed information, in writing, to the customer. As a natural person and consumer clearly, Ive been abused by your corporation. I found out my account was closed through third-party companies which is a violation. I didnt give your company permission to close my account or expose my privacy. Since closed my account please send my rescission forms for my remedy and Im demanding you to remove this closed account from all three of my consumer reports from all three consumer agencies.
Product: Debt collection

I had a phone bill sent to Receivables Performance Management for collections in the amount of {$370.00}. I called to pay my bill and they settled for {$200.00} dollars. They told me i could make two monthly payments of {$80.00} dollars and on of {$48.00} in 3 consecutive months on my first call to them. I paid the two payments of {$80.00} dollars each month and went to settle the remainder. They then told me the settlement never happend and i would have to pay the rest of the full amount and the two payments i made were just good faith payments. I said this was untrue and asked the phone call to be pulled from the initial XXXX XXXX call. The company stated this would take 48 hours and they would give me a call back. They never did and when i called back, i keep getting transferred to the " management department. '' The phone just rings or disconnects each time and i have to explain the situation all over again. For 3 days i have been told i will receive a call back later from a supervisor and i have yet to receive a call. I told them i would file a complaint and they hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out one loan with XXXX  XXXX XXXX. It was disbursed on one date and paid off other loans. Like a credit card that is used for multiple items at different stores, it is one trade line. When a credit account goes to collections it remains one tradeline. Same for a loan. I am submitting page two of the Department of Education Default Resolution Groups response to my local Congressman confessing they took that one loan and are reporting it as two tradelines. Clearly it is inaccurate and false reporting by multiplying and compounding adverse affects to my credit file. If they want to count them as the original subsidized and unsubsidized loans seperately those loan dates should be used and it would be far too old to remain on my credit.

I am including screenshots from the Experian website. NOTE NOT A THIRD PARTY WEBSITE. These screenshots verify the account was sold to another collection agency in XX/XX/XXXX. This is why it is showing closed with XXXX balance. This is the reason the original creditor is no longer on my credit report. It was sold to Dept of Ed Default Resolution Group and aged off my report in 5yrs because paid collections fall off 5yrs from first delinquency in NY. Since Dept of Ed Default Resolution Group sold to another agency who's address is on credit report under section Labeled CONTACT. XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX. I will also attach screenshots of the department of education. EDU website showing this address is not found anywhere in department of education. I will also include a screenshot of a web search for this address. It shows a lawyer/collection agency. There is also a statement on credit file under status Status A brief message describing your payment history with a specific account. 
" Seriously past due date/ assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department '' Screenshot also included.

Since the clock does not reset it should be removed 5yrs from first delinquency XX/XX/XXXX. In this case it should be removed within a few weeks. I have requested early exclusion on good faith because the Department of Education Default Resolution Group had been falsely reporting additiona tradelines.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion hasnt provided a method of verification
Product: Debt collection

Hi I am Im making this complaint against CAPIO PARTNERS LLC for identity theft. I have never given CAPIO PARTNERS LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CAPIO PARTNERS LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CAPIO PARTNERS LLC continues its collection efforts, I will file for litigation for actual damages caused and CAPIO PARTNERS LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have Two inquiries on my credit report that i did not authorize nor have knowledge of 1 ) Bank of america XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I discovered errors and unauthorized accounts, accounts inwhich I did not opt in for late payments under the consumer law statues, nor did I authorized any third party to report any of the below accounts on my consumer report. I'm demanding the immediate removal of these accounts, they do not belong to me... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I attended XXXX XXXX XXXX, while being a student there i feel i was forced into Private Loans at rates above 13 %. I have had employment struggles on and off ever sense i graduated in 2007. XXXX promised me that i could always get help with the lender as long as i talked to them. That Private and Federal Loans can always be put in Forbearance. Well years later and now major credit issues. My Navient Private Loans went default. During all this time and struggles i payed and caught back up when i got work, then behind when i didnt work, trying my hardest to stay current. During these last few months, talking to case workers and then managers. I find out that they could have helped me more, this is there words, but they have to wait till i am days away from loans going into Default. If they would have helped me like i thought they should, being student loans by the Gov i could have keep up with my loans better. I know that i would not be were im at right now if they would have offered me the same programs to help repayment, that they offered at the very end. Always telling me if you cant pay the whole amount, then you cant pay at all. It was all or none with them.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Venmo froze my account when I attempted to cash out my funds. They requested my ID. I submitted it. They told me it would take XXXX  days to verify and unfreeze the account. A week or so passed and they then asked for a bank statement. I submitted the bank statement. I called them today XX/XX/XXXX and inquired they gave me the run around and told me someone would follow up. I received an email saying that my account was unfrozen this evening but when I tried to cash out my balance it is still showing as frozen. At this point they are holding my money hostage and I need it to pay my rent. This will make me late paying my rent. If they can not unfreeze my account after I sent everything they asked for I need them to return the funds to sender so that I may receive them another way. Theyve done nothing but lie and give me the run around.