23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had a loan with Credit Acceptance that I paid off in full the same year it was opened. I received my title and completed the loan with no outstanding balance. However, they are falsely reporting that I missed payments in XXXX  and labeling the account as XXXX  days late.

This is inaccurate, as I had no missed payments, and the account should be marked as paid in full and closed in good standing. I contacted Credit Acceptance to request a receipt or proof of payment history, but I have not received a response.

I have also disputed this information with the credit bureaus, but it has not been corrected. These false late payments are negatively impacting my credit score. I am requesting that this be fully investigated and that the inaccurate information is removed from all credit reporting agencies. 

I have attached proof that the account was paid in full on XX/XX/year>, with a {$0.00} balance at closure. This clearly shows that the late payments being reported are inaccurate.

I have included a screenshot from my Credit Acceptance account showing that the loan was paid off in full on XX/XX/year> with a {$0.00} balance at account closure. This proves that the late payments being reported are inaccurate and should be removed.
Product: Checking or savings account

I have made numerous attempts to close my account. When I brought the account to a zero balance, they did not close the account promptly and have been charging additional fees.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is an actual account that belongs to me.
Product: Credit reporting or other personal consumer reports

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I wrote to the Debt Collector several times advising them that the debt doesn't belong to me, and the debt is expired. This is my third attempt writing and they refuse to produce documentation proving that the debt belongs to me, so they're in violation. I also send them a copy of my police report with they totally ignored. 

National Credit System AC # XXXX XXXX {$2500.00} ( Wrote them numerous times and they ignored my request ) XXXX XXXX XXXX AC # XXXX XXXX {$0.00} ( contacted merchant numerous times and they still reporting on my credit )
Product: Credit card or prepaid card

I have completely given up on XXXX  bankcard customer service. 

I called them to complain about unauthorized charges on my card over 2 months ago. At first I gave my report to the unauthorized charges department. I called 2 weeks later to follow-up and was told that I actually had to call the Fraudulent Claims Department. 

So, I did. I then called 2 weeks later and was told that my claim had been sent to the Presidential Offices. So, I called them to follow-up. They said they would contact me within 2 weeks. When they didn't, I called them.

And, believe it or not, they said that too much time had passed ( 117 ) between the charges and today, so they couldn't be helpful. Half of the 117 days were waiting for XXXX to investigate the charges. So, I asked to speak to her Supervisor as was told they would get back to me within 48 hours. They make it so difficult and make you jump through so many hoops to file and see through unauthorized charges. 

All of the charges are from the same company : XXXX All of the charges were from XXXX, XXXX and XXXX, XXXX. 

The date of my first call to dispute these charges was XX/XX/XXXX. I have the phone receipts of when I made each call and how long each call was.
Product: Debt collection

At some point in XXXX, a former employer used my information to open a XXXX account in my name. I have never lived in the part of the state the account was opened in, I have been a XXXX customer in good standing since XXXX ( when they were still XXXX ), I have never had need for any other phone service since I work with XXXX and they provide all my other data service needs ( hotspots and internet ). I immediately began contacting both this fraudster employer and XXXX to close this account or pay it off so that it could be closed and out of my name. XXXX was no help, and the fraudster made promises then fled the country back to XXXX after being investigated for other fraud. I have been fighting XXXX over a now closed and now in default account and balance of {$360.00} since XXXX. They have removed it from my credit report, asked me for affidavits which I submitted, and then resent it to collections multiple times. This is my final resort after 4 years of fighting. If this was my own debt, paying {$360.00} would be nothing. I refuse to pay something that is not mine and that I have never used or benefitted from.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to urgently request the re-investigation and removal of fraudulent accounts listed on my credit report, which I have previously disputed without satisfactory resolution. Despite submitting an FTC Identity Theft Report and multiple pieces of documentation supporting my claim, these accounts continue to appear on my report, impacting my credit negatively.

I initially reported these unrecognized accounts and have engaged with your agency several times, seeking verification or removal of these entries. The persistence of these unverified entries is concerning, given their significant negative impact on my financial reputation.

I formally request a thorough investigation into these accounts. If these accounts can not be verified as belonging to me, I insist on their immediate removal from my credit report. I also request written confirmation of the actions your agency takes in response to this letter.

Please treat this matter with the urgency it requires. According to the Fair Credit Reporting Act, I expect a response within 15 to 30 days. If the issue is not resolved satisfactorily, I am prepared to take further legal action.

Thank you for your prompt attention to this matter. I look forward to your swift action and a resolution that corrects my credit report accordingly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Disclosure Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX * Account Number : XXXX * Last 4 Digits of Card Number : XXXX * Account Opened : XXXX XXXXXX/XX/XXXX * Account Closed : XX/XX/XXXXXXXX XXXXXX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to dispute the way Zelle has handled disputes particularly in light of the CFPB lawsuit which highlights the significant issues with the platform. I have used Zelle numerous times and Zelle failed to investigate my issues further.
Product: Debt collection

COLUMBIA DEBT RECOVE Last reported XX/XX/year> {$780.00} Open balance COLUMBIA DEBT RECOVE Original creditor Opened XX/XX/year> ( XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Account previously in dispute - Now resolved by data furnisher Original creditor name COLUMBIA DEBT RECOVE this account was open under my name without my consent I had never leave or move in to that appartment.
Product: Debt collection

I am being called from spoofed numbers that all leave messages attempting to collect debts. XXXX XXXX and Americollect. I am being called every 10 to 15 minutes. If I answer the phone they call more. Its harassing behavior.
Product: Credit card or prepaid card

I made a purchase on XX/XX/XXXX The merchant provided a return label which was used to return the item ( See attachment # 1 ) The item was returned to merchant on XX/XX/XXXX ( See attachment # 2 ) The shipper ( XXXX ) lost the package I initiated a dispute on XX/XX/XXXX, at the time I provided the tracking number and a copy of the shipping label that was provided by the merchant On XX/XX/XXXX, Paypal requested the tracking number, I attempted to provide the tracking number but the website did not work, see attachment # 3 for screenshots indicating that the website can't can't be accessed. 
On XX/XX/XXXX, I contacted Paypal and provided the tracking number over the phone. 
On XX/XX/XXXX, I received an email from Paypal indicating that the dispute was decided in favor of merchant because the tracking number was not provided by me.
Product: Credit card or prepaid card

Ref : XXXX Thank you for applying for the XXXX XXXXXXXX XXXX XXXX XXXX Card . We're writing to let you know we can not approve your application at this time because American Express cancelled your previous account ( XXXX ). 

The problem is that my account was not canceled by them and in fact the last card I had with them was an XXXX card and they said once I had the card for XXXX months I was eligible for other cards but they lied.
Product: Vehicle loan or lease

I hope this message reaches you in excellent physical condition. 

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( XXXX ) The creditor 's failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement. 

( XXXX ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement XXXX XXXX  days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error-therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2024
Product: Checking or savings account

I have been victim of a scam in which I hold Bank of America and its associate company XXXX responsible. The only reason this scam was possible is because Bank of America cleared a counterfeit check. 
In addition, XXXX don't let you recall money and they have no protection for this kind of situations. 
I have made a claim to the Bank and they told me to wait for 45 business days for an investigation. 

I was selling a piece of furniture ( a sofa ) on XXXX for {$450.00}. The supposed buyer, made a convincing but strange request to pay me by check including an excess to pay the movers coming to pick up the furniture. 
Unfortunately, I made a mistake and trusted Bank of America, if the check was good, I didn't see a problem. 
On XX/XX/2021, I have deposited the check for {$1900.00} using the Bank of America mobile App and the check was marked as " Cleared '' by the Bank on XX/XX/2021. 
Therefore, the fake buyer asked me to send the money {$1500.00} to a movers account via XXXX which I have done also via the Bank of America App also on XX/XX/2021. 
The day after on XX/XX/2021, the check was rejected as counterfeit by the Bank making the scam for a value of {$1500.00} complete. 

Immediately, I realized about the mistake of trusting Bank of America and called them to ask for a recall of the XXXX transfer based on the above facts. 
This was denied and took my claim under number : but they said this will require investigation and the delay will be 45 business days but there is no guarantee I can have my money back. 

This is outrageous, the Bank and financial institutions associated to the Bank are accomplices of this scam and directly responsible as it will never had happened if they only marked good checks as cleared. When I called, the contact person confirmed the Bank and nobody knows whether a check is good until it's checked with the sender 's institution. Therefore, the Bank should have not cleared this check. 

1- They have to respond on why they cleared a counterfeit check 2- They have to respond with protection on XXXX transfers which are done within the same Bank of America Mobile App XXXX 
Bank of America Claim # XXXX
Product: Credit reporting or other personal consumer reports

i sent a letter requesting information after 30 business days i sent a letter stating to remove from report because they did not provided information
Product: Checking or savings account

I am writing to formally address a series of issues I have encountered with my Chase account and to seek immediate resolution. 

On XX/XX/year>, I opened a checking account with Chase Bank. A few days later, I discovered that my account was locked. I contacted customer service, who directed me to visit my local branch. When I visited the branch, the staff were unable to provide any explanation for the account being locked. They contacted customer service on my behalf, but I was informed that if an account remains unused for 10 days after opening, it is automatically closed. My account was closed on XX/XX/year>, and I have not been able to access my funds since that time. I was not informed of the closure until after the fact. 

In the following weeks, I attempted to resolve the situation by contacting the branch multiple times. During one visit in XXXX, I was told that the address on file was incorrect. However, I had provided my rental lease agreement with my correct address at the time of account opening. The bank staff were unhelpful and rude when I asked them to correct the error, and I was advised to contact customer service to make the necessary changes. When I called, I was assured that a check for my funds would be mailed to the correct address within a week, but it did not arrive. 

A few weeks later, I received the check at my workplace due to the incorrect address the bank had on file ( which was my work address ). I deposited the check into my newly opened XXXX XXXX XXXX account, only to have my XXXX XXXX XXXXXXXX account locked and canceled because the check from XXXX had been marked as canceled. 

Since then, I have repeatedly contacted Chase Bank customer service, only to receive conflicting information. I was told that the request to correct the address had been approved and that the check was on its way, but then later informed that no request had been made, and no check had been issued. This has been an ongoing issue for over two months. 

As a result of these complications, I have been unable to access my funds to pay for basic living expenses, including rent. This has caused me significant financial hardship and emotional distress. I have had to borrow money from family members and have been unable to focus on my work due to the stress of this situation. The XXXX XXXX branch, where I originally opened my account, has been uncooperative and unhelpful, leaving me with no resolution. 

Please note that all my interactions with XXXX customer service, including those with supervisors, have been recorded, and I am sure they can provide them as evidence to support my case. 

I kindly request that this matter be escalated and resolved immediately. I need access to my funds without further delay and require clear confirmation of the steps being taken to correct this issue. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016, I open a capital one Credit card of XXXX $ limits and every time I submitted a payment my bank keep returning the payment so capital one decided to closed my card every since they put a bad report on my credit file and saying that I missed payment and even though I'm no longer have relationship with capital one they still pulling my credit report about a couple times
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account 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 Date Opened XX/XX/2017 Balance {$360000.00}.
Product: Debt collection

n accordance with the Fair Credit Reporting act Credit Management LP XXXX, has violated my rights. 

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
Product: Mortgage

On XX/XX/2020, I applied for a VA mortgage through Bank of America. I provided all the requested information and was initially given a tentative closing date. Within a few weeks I was being sent more paperwork that needed to be revised almost daily. The paperwork was not pertaining to any major issues but things such as signing each page of pest control report by seller and buyer, mandating that these signatures could not be electronically signed but had to be wet signatures. Requests were made for information from my inspector and appraiser which they had never heard of before and both parties have worked in their respective fields for more than 30 years. We were requested to send proof that home repairs listed in contract had been done by licensed plumber and electrician however when the realtors sent the information, they were told the licenses could not be verified and that they were probably fake by an underwriting agent. It was more than a nightmare and there were no reasonable explanation as to why we were getting the runaround. There were also other questionable actions by the underwriting department we were working with as well as the loan officer. I was told my interest rate could not be changed once it was locked in and I was also told that I could not convert from. VA loan to  a Conventional loan even if I qualified. I changed from Bank of America on XX/XX/XXXX and closed with a new mortgage company on XX/XX/XXXX. They stated they didnt understand why Bank of America was not able to do the same, the new mortgage company stated I had one of the cleanest file they had seen in awhile. My hopes is that my treatment had nothing to do with anything except the fact that there are persons employed at Bank of America who do not desire to do their job when having limited supervision and working from home but, I could not risk anyone having to endure what I did with Bank of America, regardless of the motivating factor. I wrote a letter of complaint to XXXX XXXX at the following address XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX on XX/XX/2020. I have also attempted to reach an underwriting supervisor to file a complaint and was transferred from department to department without successfully reaching anyone. The loan officer I worked with in reference to my mortgage was XXXX XXXX NMLS ID XXXX. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

Equifax knowingly hid dispute results from consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian regarding an account revolving XXXX XXXX as account to be corrected as PAID ON TIME. 1ST ATTEMPT WAS IN XX/XX/2021 ... NO RESPONSE. as possible finance corporate submitted a request to fix it delete from file. Another request has been sent XX/XX/2021 for the same request. No response from Experian
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported incorrectly, there were never any late payments on these accounts. 


XXXX XXXX XXXX  ( Reported Late : XX/XX/2022 )
Product: Credit card

There was a purchase made for {$9.00} ( XXXX XXXX ) with the account XX/XX/XXXX. We tried using the card for a purchase at a restaurant on XX/XX/XXXX but it wouldnt go through. Tried calling in to resolve and could not process their extensive request at that time. No usage since then and then when logging into the app saw the restriction on the account. When calling in they said account is closed and can not be reopened. It has been a long standing account and had a XXXX balance at the time. When requesting to remove the restriction they said that the account was closed as they need to verify information and it wasnt provided. No letters were received and only are looking more into the app did I see a notice from XX/XX/XXXX, " Less than 24 month close letter ''. I informed XXXX XXXX capitol one representative that no letter was received requesting to verify information and only now noticing this letter that account is closed. Then requested it to be re-opened as feel like it was done in error. They say it can not be undone. This account was not delinquent and I am a loyal customer keeping an account in good standing. They said I can only open a new account. This does not resolve this issue as it affects my overall credit ( account opened XXXX ) and should be reopened to be as it was prior to closing. If any information is needed by CFPB or capitol one to rectify this please let me know.