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

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Checking or savings account

On XXXX I received a check from my insurance company for payment for my medical provider for services not paid directly through the insurance company. I did a mobile deposit for the check in the amount of XXXX. After depositing the check through my mobile app it confirmed that the funds would be available on XXXX. XXXX the funds were not available and I did not receive any notification as to why. I made arrangements with the offices to have this money paid on this date due to what was confirmed on the mobile app on XXXX. I reached out to customer service and was advised that the check was on hold for an additional 7 days but did not show why. I asked to be transfered to a supervisor and was given another number to call. Upon calling this number I explained my frustration and wanted an answer as to why I was not notified of this extension. This bank can call or email regarding my account if I've overdraft but when its in reference to something I feel is more important I'm left in the blind. I would not have know about an extention if I hadn't took the time to reach out. This bank has been insufficient in the past regarding communication attempts. I'm highly frustrated at the fact that you don't reach out to communicate what I feel is very important. This put me in a deeper bind due to expecting to get this issue cleared on the date provided and now I don't have a definite date of when the funds will be released to me. I even reached out to my insurance company to confirm the check and I have also had checks sent to me in the past from my insurance company and never had an issue with it being cleared until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent Experian. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Checking or savings account

Note the fields requiring an answer do not accurately describe my complaint. I have a B of A debit card which I use at ATM machines to get cash when I am on vacation. I always avoid fees so I only use my Bof A debit cards at Bof A ATM machines. I am going to Vermont. There are no BofAs in Vermont. BofA refuses to waive ATM fees for ATM use in Vermont, even though they have no locations in Vermont. This is an unfair and deceptive business practice, as they market a product, the debit card, then make it impossible to use without a fee. They do not accept email complaints from customers. I made a telephone complaint and was told it would be reviewed by a supervisor but not necessarily responded to. Their suggestion was to simply carry large amounts of cash so I would not need the ATM machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts on my credit report are fraud opened account. Please look at the attached documents. Equifax will not remove the fraud accounts even though I have provided proof. Please delete this stuff.
Product: Vehicle loan or lease

Exeter Finance has hired someone who is contacting many people that are related to my fianc and asking for my address and information stating that they were hired to do a service for my upcoming wedding and need to get in contact with me regarding the service.
Product: Checking or savings account

I opened a checking account online with Bank of America and got approved. Made a deposit transfer from a different bank to bank of america and the transaction was completed on XX/XX/XXXX. Was able to login and see balance with the recent deposit money on my bank of america account. Then bank of america closed my account and are now claiming there was never any money in my checking account. I have confirmed with my other bank XXXX that the transfer was completed on their end and bank of america is the one who lost my money. They refuse to find out where my money went and have not paid me back my money upon account closure.
Product: Credit reporting or other personal consumer reports

I was looking at my report and I noticed some things were not corrected. I sent a letter to XXXX back on XX/XX/year> but it has been more than 35 days. XXXX still hasn't responded to my letter. that is a direct violation of 15 USC 1681 ( a ) ( 1 ) A ) Under 15 USC 1681 subject to subsection ( 1 ) and except as provided in subsection ( g ) If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX account : XXXX Delete this account immediately because of a violation of 15 USC 1681 ( a ) ( 1 ) A )
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Sir, I had a credit card with Wells Fargo back ending in XXXX which I launched a complaint earlier as well whereas the card was stolen but there was a transaction which I disputed and Wells Fargo got the money back from the merchant but never posted it back to my account and which is effecting my credit in a bad way as the aforesaid card has been over limits for a long period now and which is highly unethical on the financial institution 's part to withhold my personal money to themselves to their personal gain. The amount was approximately {$4200.00} and merchant was XXXX. I shall appreciate intervention and the aforesaid amount to post back and the rest of the disputed amounts to post back on my account which have been collected by the bank on my behalf as this is my hard earned and valuable money and time which I take out to build credit.
Product: Vehicle loan or lease

I submit a complaint regarding this account on XXXX  and the bank response confirms the information that I already knew. The bank payment history letter from XXXX XXXX XXXX shows a 30-day late payment report to all credit bureaus from XX/XX/XXXX. However, this information is not being report accurate to all credit bureaus. The bank 30-day late payment report will be included in this claim highlighted in XXXX  color, and the bank credit bureaus report is the following : XXXX 30-day late payment XX/XX/XXXX, XXXX  30-day late payment XX/XX/XXXX, and XXXX  30-late payment XXXX XXXX. This 30-day late payment is in violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Moreover, the documents provided by the bank XXXX the XX/XX/XXXX consumer credit report shows inaccurate information regarding this late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all the fraudulent inquiries on my report effective immediately and they include, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXXXXXX, XXXX ( acnt # XXXX, ) XXXX ( accnt : # XXXX ), XXXX & XXXX ( accnt # XXXX ),  XXXX & XXXX ( accnt XXXX ), and these inquiries are not mine either XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXI , XXXX XXXX. Please help me.
Product: Debt collection

I have disputed these accounts multiple times with the debt collectors, they will be removed from my credit report and then I will see that the debt is then sold to another collection agency and I have to start the entire process over again. I began this process in XX/XX/XXXX, I will list the current collections below. 

LVNV Funding, LLC- states opened XX/XX/XXXX, XXXX {$1300.00} disputed and resolved 13 times since XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- states opened XX/XX/XXXX, XXXX {$2000.00} disputed and resolved 13 times since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding, LLC- states opened XX/XX/XXXX, XXXX {$2500.00} disputed and resolved 13 times since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states opened XXXX XXXX XXXX XXXX XXXX disputed and resolved 13 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LVNV Funding LLC, - states opened XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX disputed and resolved 13 times since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LVNV Funding, LLC states opened XX/XX/XXXXXXXX XXXX XXXXXXXX disputed and resolved 13 times since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All accounts show an 'open ' balance and list the collection agency as the original creditor as the collection agency.
Product: Credit reporting or other personal consumer reports

Credit Report Inquiry made by this unknown company without my knowledge nor consent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and congenial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a scam on my credit report and cant verify it Experian refused to remove I XXXX score XXXX The hone number XXXX
Product: Credit card or prepaid card

Credit card company didn't send me any statements for XXXX  months. I tried to sign up several times with my bank 's bill pay. But it failed each time. Credit card company did not send me paper statements or email statements. As a result, I got charged late fees and interest. Eventually credit card company send me a bill with lots of late fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEST BUY/CBNA XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX ( XXXX ) XXXX COMENITY BANK/EXPRESS XXXX XXXX XXXX XXXX, OH XXXX XXXX Inaccurate reported late payments on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with this company for over a month. They promised me that this loan would help " build my credit ''. When I took out the loan, I paid it off in 4 months to avoid a huge amount of interest they would tack on. I was NEVER 30 days late and paid this loan in full. They continued to report to the credit bureaus that I owed {$1200.00}. I filed disputes with all 3 bureaus, but whoever responded on the creditor 's end responded to the bureaus with false information. They stated that I was 30 days late, only had the loan for 1 month ( which hurt my score by 40 points ), and deleted my 4 month good payment history. They also did not update anything with XXXX and reported it as a " boost self managed account '' which is wrong. I have called them over 5 times ( 2 hour hold times ), emailed their 2nd level support ( XXXX XXXX ), and faxed XXXX XXXX. She continues to tell me to " call in '' but when I finally get someone on the line they tell me to " talk to XXXX ''. This is company is UNBELIEVEABLE and THE WORST FINANCE COMPANY EVER! I NEED THIS INFO ON MY CREDIT REPORT FIXED ASAP AS IT HAS MADE MY CREDIT WORSE AND I HAVE DONE MY PART WITH THE LOAN!
Product: Credit card or prepaid card

I XXXX XXXX XXXX am a current victim of identity theft which has been reported to the FTC since XXXX of 2019 i have had over half of my direct deposit from my government benefits come up missing off my card i receive SSI, I have taken all the steps to attempt to fix this with the company but they deny my disputes everything just this month I had almost XXXX gone I call to dispute it and they didn't do it told me I had to wait 5 days and with this XXXX I'm at XXXX thats been stolen from me. 
I have been informed by direct express that my card number was compromised and printed onto another card so thats how it was being used at a atm but now they are saying that's not possible and all I want is the money thats rightfully mine i mean due to the identity theft i can't even open another bank account.
Product: Credit reporting or other personal consumer reports

1. I am disputing the 30-day late remark on my credit report for XX/XX/2024. 
2. I arranged for a refund check for {$2300.00} from canceling my warranty on this vehicle. 
3. On XX/XX/2024, I did confirm the {$2300.00} check was received by TD. 
4. This payment was applied to my payments only three days after my payment was due on XX/XX/2024. I was not 30 days late on my payment at this point. 
5. When I checked the online account, the check was indeed applied to my payments and stated that I did not have a payment due until XX/XX/2024. 
6. Additionally, I received a XX/XX/2024, statement showing NO payment due. 
7. On XX/XX/XXXX, to my surprise I received a call from TD Finance advising that my payments were about to be past due. 
8. He said that my check for {$2300.00} was reversed and applied to the principal. I explained that I believed it had been applied to the payment based on what the online portal stated and the statement I received. The representative said he would reverse the payment to be made back to my monthly payments. 
9. I explained I am happy to pay then if he is unable to reverse them, but that I do not want this affecting my credit as I had believed this check for {$2300.00} was applied to my payments. 
10. The representative said on the phone he was able to reverse the check to be applied to my payments and that he is waiving the {$15.00} late fee, which he did. 
11. A week later, on Tuesday, XX/XX/XXXX I received a call from the same representative for TD Finance, apologizing and advising me that my {$2300.00} check was indeed applied again to my principal and that is because it was an insurance payment ( however, it was a refund check and had nothing to do with insurance ). 
12. Had I known that it was applied to my principal to begin with, I would have had no problem making the monthly payments. Instead, I was not aware and now am being reported to the credit bureaus as late for XX/XX/2024. 
13. I immediately made a {$1800.00} payment over the phone with the representative to bring my account current. 
14. He said his manager will be able to fix the reporting for me and had me on hold for nearly 45 mins while I awaited his manager. He never came on so he said that he will send a message to his manager, and I should hear from him shortly. I never heard back from his manager. 
15. After multiple additional calls, I was told to write a letter to TD Finance Problem Resolution Services, which I did on XX/XX/2024 and on XX/XX/2024. 
16. Unfortunately, TD Finance Problem Resolution did not agree with my me and sent a standard letter advising that they are reporting correctly with no way to reach anyone to discuss their findings. 
I am a responsible person and make my auto payments on time. I never had any past late payments. I would have paid had I known that the amount had to be credited to my principal as I was never notified of this. 
I find it egregious that TD is not willing to remove this derogatory remark for something they did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Education Loan ) I was not notified about these accounts before anything was reported. I also requested proper validation and contracts with signatures Also my personal and private information keeps being sold to other debt collectors without my knowledge of it. 

XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Last 4 of SSN XXXX { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Dispute of Debt Dear [ XXXX XXXX ], I am writing to formally dispute the reporting of a debt on my credit report by ( XXXX XXXX ), associated with account number [ MY CREDIT REPORT SHOWS NO ACCT # ]. ( BALANCES ) - {$5000.00}, {$11000.00}, {$6100.00}, {$3300.00}, {$2700.00}. 
This debt was reported without proper notification to me as required by law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( a ), debt collectors are required to provide consumers with a written notice of the debt within five days of their initial communication. This notice must inform the consumer of the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt. I have not received any such notification regarding this debt, which is a violation of my rights under the FDCPA. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair credit reporting. Reporting a debt without providing proper notification or validation violates these rights. Since I was not informed of this debt, I have not had the opportunity to dispute or verify its accuracy. 

I am requesting an immediate investigation into this matter and the removal of this unverified and improperly reported debt from my credit report. Enclosed are the following documents to support my dispute : A copy of my credit report highlighting the disputed debt. 
Any relevant correspondence related to the debt ( if applicable ). 
Please provide me with the results of your investigation and any actions taken to correct my credit report within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a resolution and the correction of my credit report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX is currently reporting two collection account to my credit bureau. After contacting XXXX, I was told that the debt does not belong to me but, rather my XXXX  sister. Being XXXX, we do share the same birthdate. According to the rep from XXXX, the error will not be corrected until my sister pays the debt. I have disputed the debt with all three bureaus but XXXX will not correct my credit bureau report and remove collection accounts. XXXX has also stated that they can not send me supporting information since the account is not mine.
Product: Credit card

I opened a XXXX XXXX XXXX in XXXX 2016. To date each payment has been on time. I had XXXX returned payments, which I made up, the payments cleared. They actually gave me an increase within the last two weeks. I checked my card for payment info and realized that there was no available credit. I contacted Synchrony Bank and spoke to XXXX, and was explained that my card was closed due to returned payments. I asked her for a supervisor and the rep hung up on me, I received no notice and this is not listed in my terms and conditions. This will now have a negative effect on my credit as it will report as closed. No one has contacted me regarding this issue from Walmart or Synchrony Bank.I have called back requesting a supervisor and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand why capital one has ran my credit 3 times in 5 days I never authorized this. this is total abuse and I want this to be removed CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX