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

Ive recently checked my credit report and noticed incorrect information reported among the three bureaus of the date of the XXXX XXXX account opened.Theyre Two different dates shared among three bureaus which are XX/XX/XXXX and XX/XX/XXXX which is INACCURATE because you can only open an account on ONE individual day. Also theyre no closing day reported for XXXX and XXXX XXXX So that would be an incomplete report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Names/ Account Numbers 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, 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX XXXX XXXX  PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Credit reporting or other personal consumer reports

I have filed numerous disputes with XXXX, XXXX, and Transunion. I have accounts on my credit report reporting late payments, but the accounts were closed and transferred before the late payment was reported. There is a 60 day grace period of mortgage transfers. The mortgage was never late. I have asked the original creditors for information, but none has been provided. I would like your assistance in making sure the bureaus actually investigate my disputes. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX
Product: Consumer Loan

My wife and I are XXXX. We are retired and live on Social Security and XXXX small retirement accounts I have. We had a XXXX XXXX XXXX that quit on us and the repairs were going to be close to {$3000.00}. There was no way we could do that so we started looking for a good used car. I had been on the internet looking at several dealers but had not contacted any of them yet. That afternoon a salesman from XXXX XXXX XXXX in XXXX, Texas by the name of XXXX XXXX called to tell me he had just gotten in trade a XXXX XXXX XXXX that was really clean. I told him we had no way to get to XXXX ( about a XXXX mile drive from our house in XXXX, Texas ). He said no problem, they would bring it down to us, leave it with us, and we XXXX XXXX it back up there. We did so and the car was quite nice. We ended up buying it but the next day started having problems with it. All of the lights would flicker up and down in intensity and the transmission would ( when taking off from a stop in drive ) have a loud grinding them a loud bang before accelerating. I took the car back to XXXX and the sales manager said he would have it checked out and call me with the cost. I told him to not call me, I had no more money I could put into the car. If he could n't get it fixed, I would either leave it on his lot or take it to XXXX XXXX who held the note on it. After arguing for a short while, he said they would fix it. They eventually got the electrical problem fixed but could not get the transmission working properly. They had the car for 3 of the first 5 weeks we owned it. I eventually took it back to them and said that if we continued to drive it the way it was we would probably have to replace the transmission in a year or so. My wife and I were afraid to continue to drive it. They said they would see what they could do about getting us into a XXXX XXXX XXXX they had. They called me later that evening and said they were working on a deal for the XXXX or a new XXXX XXXX XXXX. We went to XXXX the next day land the Salesman told us they could n't do the used XXXX but they had gotten a deal on the XXXX XXXX done with GM Financial. Our payment increased and our insurance went up. We did n't really like the XXXX but were told by the salesman that " That 's it ''. When I asked what did that mean, he slumped over to one side in his chair and said " That 's it. That is all we can do ''. The Sales Manager would n't even talk to us. I have inquired twice on line about used cars they have and the salesman finally called and when I asked if there was anything they could do he said no. Now they wo n't even respond to me. My wife and I both feel as though we were forced to take the XXXX XXXX. It does n't fit us. When we are in the car, we are constantly knocking elbows due to the cramped conditions. My wife has XXXX XXXX and ca n't walk for any distance because of XXXX. We have gotten a XXXX for her but can barely fit the XXXX into the car. I would like to get out of the XXXX and into a used sedan XX/XX/XXXX to XX/XX/XXXX. I ca n't do anything with the XXXX due to the negative equite we now have on it.
Product: Credit reporting or other personal consumer reports

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. I am a real person. I was not notified. My name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We started loan modification process with Bank of America in XXXX XXXX. Trial period was scheduled for XXXX months XXXX, XXXX, XXXX. After that if we paid as requested are loan would be modified. 
During trial period we received letters from Bank of America that we are late paying our loan, which made no sense to us because we paid everything on time. We contacted loan modification department XXXX times after receiving late notices but every time we were told to disregard these notices because all payments were made before due date Timely payments were actually requested in order to qualify for the loan modification by Bank of America. 
Loan modification was approved by BofA in XXXX XXXX. 
Couple months later we asked XXXX Bank to modify another equity line of credit and were shocked when told that we have XXXX late payments on our loan with BofA. Our credit scores dropped around XXXX points. 
When I reached to BofA they advised me to file a complaint with credit bureau and their banker told that she had this same problem with her loan medication. 
I filled a complaint with XXXX and received their response XXXX XXXX. They said they contacted BofA, supplied them all relevant information and documents I sent with my dispute and instructed them to : review all information, verify the accuracy, provide response and update records and systems as necessary. 
After response from XXXX XXXX called BofA twice. First time in XXXX was told that they will investigate my dispute and notify me. Second time on XXXX XXXX, XXXX when after being on hold for XXXX min customer service representative told me that I have a wrong number ( number was from our statement ) and connected me with someone responsible for equity lines. This person told me that reporting was correct because we were making payments requested by the loan modification department which were different from original payments. She also told me that our loan modification processor should make us aware of that. From the bank point she said everything was done properly. 
From my point it 's a nonsense. Why we should be penalized so severely XXXX credit scores down XXXX points ) by BofA for modifying the loan? Why we were not notified before starting trial period by BofA that our credit will be so negatively impacted? We would be glad to continue paying original payments and modified payments to avoid ruining our credit and have problems applying for credit in the future. 
We still waiting to get a response in writing from BofA regarding our complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion claim to have conducted a full thorough investigation of these inaccurate negative items on my credit report yet they are still showing up as inaccurate on my report. I would like to know how they verified these accounts. 

XXXX/Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The FCRA and Regulation V generally require a furnis

her to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ). Under 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Under the FCRA 1681s-2 ( b ) the furnisher is required to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information. 

A fair resolution to this issue would be the deletion of the following inaccurate accounts from my credit report : XXXXTransunion : 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 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

XXXX XXXX  has a collections acccount open in TransUnion and XXXX but not XXXX. This is not a accurate reporting since there are inconsistencies in the reporting. This is effecting my financial reputation and causing me alot of distress. I request documentary evidence and a investigation to disclose any proof of my obligation and commitment to pay this alleged debt. Also I demand this account to be removed from all three bureaus if any documentary evidence can not be found.
Product: Checking or savings account

Simple they have ahad a hold on my account since XX/XX/2022
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I went to a branch of Citizens bank which is located on XXXX XXXX XXXX, XXXX Massachusetts to carry out a foreign wire transfer to XXXX. Upon completion of the transfer of the sum of {$16000.00} ( XXXX XXXX, XXXX XXXX and XXXX dollars ) from my checking account with Citizens bank of which {$80.00} dollars was the transfer fee for the bank, I was issued a receipt. Equally, I was assured that the transferred funds will be in my beneficiarys account on or before XX/XX/2023. After the assured date, the money was not deposited in my beneficiary account which I provided to the bank. I called Citizens bank severally to make a formal complaint about the issue and I was told that they will send a note to the intermediary bank to inquire about the funds. Upon subsequent calls, I was told that they can not force the intermediary bank to respond to their note. 
On XXXX XXXX, I made a formal request to recall the said funds. However, the bank officials told me that they can not force the intermediary bank to refund the money nor compel them to respond to their note. I have not received the said refunds up till this moment. Also, they kept saying they can not force the intermediary bank to refund the said funds and they can not force them to respond to their note.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED 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 Company Inquiries : 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 XXXX XXXX   XXXX XXXX/XXXX
Product: Credit card

This letter was received in the mail at my home, an emailed to me at a work address. The letter states that my application for their credit card is missing information to be processed. I was taken aback, because my first thought was that I had just gotten a new store credit card, also a XXXX, so that maybe this had to do with that card. But as I really thought about that, the store would have already taken all the information to XXXX me instant credit access. 

When I saw the email at my work account, I thought maybe it had to do with a medical expense card/HSA card ; however, this particular employer is strictly now per diem, so I wouldn't have a card like that coming through to me. 

There is no contact information listed on this letter ; only a website to where I can upload the " missing '' information. When I finally was able to find a number on the internet and get a person on the phone, he politely declared to me that " this was just an advertisement. '' The letter, paraphrased, states, " Thank you for applying... we need the following information to continue processing, within the next 30 days. '' No where in the letter or in it's fine print, is it made clear that this is an advertisement or marketing attempt to enroll someone to a new account. 

This letter really bothered me, because I know I have elderly family and less critically thinking friends, who would have likely sent this information to the website, as instructed. It is not just misleading, but it blatantly lies by declaring, " Thank you for applying ... '' This is just a scam, in order to collect personal information and issue high-rate credit cards.
Product: Debt collection

On XX/XX/2021, I got an email from PayPal stating I needed to provide more information to them for my paypal account which was hacked months previous after I was locked out and couldn't get in. my paypal was hacked. 
Paypal is harassing me and claiming i haven't responded to them. 
well i haven't gotten any notice from them for one all my numbers changed. i moved from XXXX XXXX to XXXX XXXX for XXXX  reasons and my address is now confidential they only have a right to my mailing address by state law. also also i am not a XXXX  a XXXX  so they can stop on behalf of XXXX  sending emails to XXXX ok. my alternative email is XXXX and my main email is XXXX is my current phone number is further is the complaint that should be linked to my paypal so i can reset my password and get into the account should be remove all other number there are not mine or are old numbers. ive already summited my identification but will do it again if i have to. on the next page.
Product: Checking or savings account

I had an account at TD bank and my mother as well and it was a security deposit box several citizens and some police dept in XXXX XXXX took it upon themselves to not notify me and took every opportunity to block and communications through phone and mail so that way they were contacted and i was not they hacked my phones and forwarded my calls and even stole my mail and got id in my name and had themselves or got a female to go and say that they were me and they recently transferred the account into a woman name XXXX XXXX of which is not even a person they have also added names to the account and had an employee in the fraud dept transferring money to the atm cards in my name as well. I received none of the money and my deceased XXXX XXXX XXXX also had one in her name and they are doing the same thing to this one. they have also made accounts with prepaid paypal and netspend accounts in my name and used those accounts to transfer the money on to those cards which they spent the money on that as well i also have child support that i received and they have somehow hacked or gained access to my account and made waytogo accounts which is a prepaid card which is not secure and stolen all that money as well i have names bc they also made copies of these cards that i now have and i have not received any of the money bc where i receive my mail the guy is giving these people my mail and i change the address on the account they call back up and change it again i need this looked into asap bc of this money and the fact that the officers let everyone know my financial situation my life and my kids lives are in danger i believe my children 's guardian 's are already dead and i have no resources to go check and no money bc every time i have something they make sure to steal it from me keeping me from finding out the truth please find out whats going on asap they stolen my phone and they also will lie and say that someone is me when i fact it is not i am homeless and have no cell phone please do not contact the police dept in XXXX XXXX bc they are involved and will just lie to you if you can go over their heads beings my communication is limited please do so and send them in person and please have them look for me and do finger prints to prove that it is in fact me.
Product: Debt collection

XX/XX/year>XXXX  {$2400.00} Try to dispute issue with Experian was told that information was verified. Reached out to the debt collector company with a certified letter to retrieve information never received information within the 30 days notice.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report one fraudulent account and multiple fraudulent inquiries appearing on my ChexSystem credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I demand that these items be removed from my consumer credit report within 4 days of reciept pursuant to my rights within the FCRA and FDCPA laws. The unauthorized inquiries include XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, CITIZENS FINANCIAL BANK on XX/XX/XXXX, XXXX BANK on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX ( On Behalf Of XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX ( On Behalf Of XXXX XXXX XXXX ) on XX/XX/XXXX, ( A Part of XXXX ) ( On Behalf Of XXXX XXXX on XX/XX/XXXX, ( On Behalf Of XXXX XXXX  ) on XX/XX/XXXX, ( On Behalf Of XXXX XXXX XXXX  ) on XX/XX/XXXX, ( On Behalf Of XXXX XXXX XXXX XXXX  on XX/XX/XXXX, and ( On Behalf Of XXXX  ) on XX/XX/XXXX.
Product: Checking or savings account

I have been a Simple Customer and was transferred to BBVA on XX/XX/XXXX. I did receive correspondence from simple throughout the process and some from BBVA saying it would be a seamless switch. 

On XX/XX/XXXX, their system would not accept simple customers through the link they provided which left me without access to my savings accounts. 

No customer service was provided on XX/XX/XXXX to help with this transition. 

I called on XX/XX/XXXX and was told that customer service could not help me because I had started the switch on their app and the system was down. 

I called back on XX/XX/XXXX and was told that the entire online system was down so I would need to call back. 

I waited until the XXXX to call back hoping that in the week 's time they would have their system in order. I called and the lady I spoke with told me that she would have to get another dept. to call me back, I explained that I was on my lunch for 30 min and needed to take care of this before the weekend. she told me there was nothing she could do. 

I have gone 7 days without having any access to my savings accounts with no clear end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraud on my credit report through XXXX XXXX .I contacted u all and it was deemed fraudulent after u guys investigated it.I sent a copy of the message I got from the CFPB and sent it to Transunion and they are saying after their investigation its accurate.The acct was XXXX XXXX which was sold to XXXX XXXX XXXX XXXX.