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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, XXXX XXXX student loan, loan # XXXX. The loan came out of deferment in XX/XX/XXXX; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted XXXX XXXX to update my address and set auto pay to ensure timely payments.

As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested XXXX XXXX retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay.

XXXX XXXX refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and XXXX XXXX   should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately.

Thank you very much for your assistance with this matter.

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

They told me my loan could be forgiven if i signed up. They pressured me in to signing up. I tried to stop them but they still tried to take money out of my account. They took over my loan, and didn't provide me with any information about the company. I dont know the name or agency they are with.They informed me that they were part of the student loan agency. I feel like i was tricked.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/PPC- PAY PAL I contacted XX/XX/XXXX to dispute remarks on my account. They replied back the information is accurate and would remain on my account. I closed the account last year because it was an online card not a physical card. The lender agreed to close the account as long as I paid the minimum balance monthly. I have done exactly what I agreed to. They fraudulently reported that they closed the account. I closed the account willfully and they never sent me any documentation stating that Id be penalized for closing my account.
Product: Checking or savings account

On XX/XX/year>, at XXXX pm, I deposit {$590.00} on my saving account, with available balance {$1000.00}, so I take my receipt, and I forget to take my card, so after 3 minutes, I check my saving account, I see that I only have {$73.00}, Somebody withdraw {$1000.00} dollars on my accout, so I call Wells Fargo after a few minute, the took my information, after 3 days, they sent me a message telling me after investigation, there is no error happened on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS company being reported on my credit reports are NOT my account : XXXX XXXX XXXX XXXX - Acct # XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I sent 3 written letter to the 3 credit bureaus asking for proof that this is my account, I also called XXXX XXXX for any kind of contract they have showing this is my account they have failed to do so. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. Their failure to positively verify this accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, The credit bureau and XXXX XXXX recovery services have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters that the inquiries do not belong to me and if they have proof show me?
Product: Bank account or service

I received a letter from Bank of America on XXXX/XXXX/2016 that my account was being closed due to " a careful review of your banking relationship ''. The letter had a number on it that was not listed on Bank of America 's website. I called their customer service and asked if the letter was real and if my account was being closed and they said that no it was not and everything was fine. So I dropped the matter and did not think about it until on XXXX/XXXX/2016 I got a low balance below {$25.00} email from Bank of America. I tried to log into my account online and it denied me access saying " Their is no open account registered with this Username and Password ''. So i called customer service and a lady answer and said let me pull up your account. Then 5 seconds later said let me transfer you. She transferred me to a voice mail service where i could leave a message and someone would return my call. At this point I hung up and waited for the next day when I went to a branch to speak to someone. My mother who is also on the account went to the branch at " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX '' and asked to speak to someone and the branch manger walked me over to someone who pulled up my account and said, " I ca n't talk to you '' and gave her a the number XXXX to call. I called the number where again i was sent to a voicemail system again. This time I left a message and gave my name, phone number and account number. I did not receive a phone call until I was at work on XXXX/XXXX/2016 and they left me a voice mail and said to call back at the same number that sends you to voice mail. I left another message and finally some one called me back later on XXXX/XXXX/2016. He said that my account was being closed. I explained how the customer service said my account was not being closed after receiving the letter and he said, " We sent you a letter ''. Then he said that the money in the account would be mailed in the next couple of days and i would have to wait for the check. I have to wait and hope they send me my money from my account at this point since no one will talk to me at Bank of America.
Product: Credit reporting or other personal consumer reports

The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX, XXXX you are required by law to produce my credit reports. You've continued over 18 years to deny me that right three to four times a year. Not only have you denied me the right to see my credit reports until just recently when I filed a complaint with the CFPB, XXXX XXXX, You are refusing to fix the inaccuracies that you've allowed to occur on my credit report. You willfully and intentionally deny me my rights over the course of 18 years. So I'm going to put it this way, seeing as that you're playing the ID game again.

You are a direct violation of 15 USC 1681 EB and 15 USC 1681 S2 and 15 USC 1681 I Five... 

I told you XXXX XXXX, I am tired of playing your games. The same goes for you as well XXXX and Experian I suggest you contact me concerning settling these issues you have my contact information {$35000.00} each is no longer a reasonable and fair settlement. And to think I was trying to be modest with that. The modesties out the window!
Product: Debt collection

I have contacted the creditor to let them know I am a victim of identity theft ; I have never resided in XXXX XXXX nor did I go to seek medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Late XXXX Nature of Complaint : On XX/XX/year>, I submitted a dispute to Equifax disputing a late payment reported by Equifax. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I have never made a late payment to this company.

I finished paying my loan in full. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed
Product: Debt collection

Company ( Enhanced Recovery Corporation of XXXX, FL ) filed a collection which turned up on my credit report. The collection is for a debt dating from XXXX 2009, which is past the statute of limitations ( SOL ) for Florida. The company never contacted me via mail or any other method. When I called and pointed out the debt was past the statute of limitations, I was told they could not help me. From the company 's information it appears they assumed the debt after the SOL had past, indicating they knew it was invalid, but were attempting to collect regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute since XX/XX/2020 and only XXXX  has removed the inaccurate information and student loans that were transferred to another lender. Also, the document that I have provided from the XXXX XXXX XXXX  does not have my original signature. It has someone name XXXX which I have no idea who that is. 

XXXX XXXX XXXX- Does not have my original signature on the documents provided XXXX XXXX XXXXTransferred account XXXXInnaccurate information Transunion shows XX/XX/2020 date opened and XXXX shows XX/XX/2020 last date reported is also inaccurate XXXX XXXX- desputed and removed by boyh Transunion and XXXX XXXX has not removed this account. 
XXXX XXXX opened, balance, high credit score past due, all is innacurate information with all 3 credit bureaus. 
XXXX-Not my information XXXX- reporting inaccurate information with all 3 bureaus. 

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

Hello I just made a large payment of {$650.00} to my  Chase card two day s ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section  623.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by XXXX XXXX after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from XXXX XXXX both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting XXXX XXXX by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on XXXX XXXX the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was XXXX may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like XXXX XXXX XXXX XXXX to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.
Product: Money transfer, virtual currency, or money service

I am personally filing this complaint as my daughter previously did and was denied as she was not on the savings account that was ultimately affected. So I am filling now.l On XX/XX/24 multiple accounts at Chase Bank where simultaneously hit with wire fraud. We have NEVER used wires before. These hackers were so sophisticated that they were able to first do inter bank transfers from both of my daughters savings accounts ( which I am on ) into my and my husbands savings accounts ( which I am on, but they are not ). And then from my savings account, wired out three sums of money simultaneously to three different US banks/credit unions. The total amount that was fraudulently wired was {$XXXX} ( previous reports show {$XXXX} but that is just what was fraudulently moved around our accounts, but only {$XXXX went out to the hackers ). 


When we ask Chase how this happened, we get a different story every time, and now we get no response at all. One time they said the hackers used our voice to authorize the wires for a funeral? One time they said the hackers authorized it with the two-step verification? As as of lately, the bank will not confirm or deny at all how this was authorized. I want to make it clear I have NEVER done any wire transfers before, and for Chase to allow this to go out under such suspicious circumstances is grave negligence. Especially because after immediately received the fraud alert call from Chase, my husband and I IMMEDIATELY drove the 2 mins to get to our Chase branch. We were yelling at the top of our lungs ( all on Chase video which they will not give us a copy of ), that this IS FRAUD and to stop all money going out. While we were at the bank even, we received a spoof call from the hackers trying to authorize additional wires. The witnesses at the bank were XXXX XXXX and XXXX XXXX who saw that the phone call looked like it was coming from the Chase fraud department to my cell, which was odd, because we were already on with XXXX ( the branch manager and VP ) and the fraud department while we were sitting at the bank. I put the call on speaker. XXXX immediately recognized the phone number as the desk sitting next to her. Caught on camera, you can see my husband and XXXX go to the EMPTY desk that the spoof call was supposedly coming from. She was SHOCKED that the hackers able to impersonate Chase. We hung up and gave them no information as they were clearly the hackers and not Chase fraud.

We have filed police reports, and FBI reports. We are working with the bank as much as we can but they do not respond to us beyond " denied '' emails and letters and refuse to ackowledge that they messed up by allowing fraudulent wires out of our accounts 1 ) while we were at the bank saying not to allow them 2 ) while there are eye witnesses all caught on camera 3 ) while there is no evidence of codes received for verification which has been confirmed by XXXX XXXX XXXX 4 ) while we have never once used wire transfers before.
Product: Debt collection

In accordance with the Fair Credit Reporting Accounts ; # XXXX have violated my rights. 

I requested a copy of the agreement I signed with the company when I allegedly opened this account and they couldnt provide me any information This debt was resolved on in 2021 with the company in the amount of {$2200.00} 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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor ac
tual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.Rather than taking legal action, I'd prefer these accounts be removed immediately and indefinitely as I did not consent to any company to open an account on my behalf. Nor did I settle with the previous debt collector to then have the same debt come back and negatively impact my credit score years after.
Product: Money transfer, virtual currency, or money service

To whom it may concern, This is an important letter and requires your immediate attention. Please note that on XXXX XXXX XXXX  I sent you a letter along with supportive documentation, asking for your assistance regarding a scam operation that I fell victim to.
Product: Money transfer, virtual currency, or money service

I was told I would be receiving a wire transfer ( worth {$2600.00} ) on the XXXX of XXXX equivalent to the monetary value of the total amount of unused PTO I had accrued prior to being laid off. It has now been more than 4 business days and neither my personal bank ( XXXX XXXX ) nor my employer ( XXXX XXXX XXXX ) and their bank ( Bank of America ) seems to know where my funds are as they funds have still not yet reached my bank account. I have sent numerous emails to my employer explaining the situation and have contacted both XXXX XXXX ( receiving bank ) and Bank of America ( sending bank ) to no avail. In addition, I have emails stating the amount of money I am owed for my PTO and when it was claimed to have been sent. I also have a supposed receipt of the wire transfer from Bank of America provided to me by my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 dispute letters for Transunion and XXXX were sent off in regards to inaccurate information being reported on my consumer report. It is to my understanding that there are certain laws in place that consumer reporting agencies must follow, or in turn they can be fined {$1000.00} per violation, or even criminally and civically charged if these Federal laws are violated, as they are not above the law. Attached in this complaint is a picture of the inaccurate information being reported by Transunion and XXXX. As we both know to report false information without full validation and verification after being provided proof of inaccuracy is violation of FCRA section 623 which is defamation and willful injury. Also neither Reporting Agency failed to report that this item was in dispute on my consumer report. This account needs to be deleted immediately, you've already had 30 days and have yet to complete or start any investigation of this account. You are now in violation of 1681i ( 5 ) ( A ) ( i ) which states " If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted ''