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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I paid my Chase account in full on XX/XX/XXXX. My statement date was XX/XX/XXXX. Chase assessed me an interest charge on XX/XX/XXXX. Assessing interest on a closed account with a {$0.00} balance paid in full before the statement date is borderline wire fraud. Chase needs to refund this charge.
Product: Credit reporting or other personal consumer reports

INCORRECT ACCOUNT INFORMATION - The account does not belong to me- The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX -acc XXXX XXXX {$1900.00} - incorrect information - The account does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$950.00} - The account does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} - The account does not belong to me. 

INCORRECT CREDIT Information : I am disputing the following information that is incorrect : XXXX XXXX XXXX XXXX # XXXX - incorrect information- never late XXXX XXXX XXXX XXXX XXXX XXXX - incorrect information- never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrect information - never late REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : XXXX. Incorrect Name Variations- XXXXXXXX XXXX XXXX XXXX XXXX please update my name to XXXX XXXX XXXX
Product: Mortgage

Multiple Issues 1. Taxes were not paid by escrow until XX/XX/2023 despite the first incorrect attempt on XXXX XXXX. Subsequent penalties were charged to me despite the fact the mortgage servicer was the reason for the fees. Had taxes been paid on time, no fees would have been incurred, thus the servicer is the reason for the fees and therefore responsible. 
2. RESPA violation regarding my escrow. Tax change in excess of {$5000.00} took place. Escrow buffer allowed is a maximum of 1/6 of total amount. Ther servicer has failed to update the escrow analysis despite multiple attempts. Refund due to me is thousands of dollars and payment adjustment is required. 
3. Initial incorrect tax payment of nearly {$9000.00} has not been refunded to my escrow balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to get this company to remove the information from my reports but they refuse to do so. I have asked multiple times that they send me a copy of the application because I told them long ago that this account did not belong to Most importantly, the account is outdated and the company continues to illegally report it. I get monthly alerts stating that this account was paid late within the past 30 days and there has been NO activity on the account from what appears to be 2013. This is illegal and they refuse to stop violating laws in place. My credit score has been impacted by a 129 drop because this company reported a payment as late on this inactive account every month.
Product: Credit reporting or other personal consumer reports

XXXX misreported my outstanding loan balances back in XXXX. They had caused for my credit score to drop significantly ( like XXXX points in 1 day ) and were impossible to get a hold of in regards to this. I filed a complaint and report with TransUnion and CFPB in hopes that this would push XXXX into action. TransUnion removed the two misreported accounts, but my XXXXredit score remained damaged for several weeks following. I just logged into TransUnion again today to find that TransUnion or XXXX ( not sure who did it ) has also put one of these loans under a " massive delinquency '' charge, which is simply untrue and unjust. The absolute mess that is the student loan conversation in America, has left customers, businesses, and so many other organizations at a complete loss. I have had no payments due on my federal student loans since they have been placed in deferment due to the current supreme court rulings, and so I am actually " up-to-date '' on my current payments as it stands. I'd like for no " massive delinquencies '' to be showing up on my XXXX XXXX or report, in connection with the incompetence continually shown on behalf of XXXX and other student loaning agencies. This had been incredibly stressful, damning, and wrong on so many levels. I really wish student loans companies would stop profiting off of the next generation of folks, who they plague with insurmountable debt and foul business practices. It's sickening and inhumane. We need to do better than this by one another and it starts with recognizing that these exploitative companies should not only be held accountable but should inevitably be disbanded and wiped from existence.
Product: Money transfer, virtual currency, or money service

My checking accounts through XXXX XXXX banks had unauthorized transactions through zelle. Almost {$12000.00} to scammers/fraud. I reported this immediately and the bank basically said sorry. It initiated through your account. I provided them email addresses, phone numbers, etc and they still wouldnt help with any of it. I even called the fbi. I was a young new customer and they would literally do nothing to help me. I worked very hard to save that money and it was just gone. They have access to where these illegal funds are going yet still do nothing.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

My account stated I had funds in the account when I didn't. The account was overdraft over amount. It was XXXX. 2024XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXXXXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Debt collection

I don't recall ever agreeing to a contract with your collection company. Provide proof that this account rightfully belongs on my credit report and that my rights haven't been violated, or terminate this account immediately. Under 15 U.S. Code 1692e ( 6 ), debt collectors are legally bound to avoid false information or misleading statements about the nature, amount, or legal status of a debt. It's illegal to make deceptive claims or misrepresentations regarding the debt being collected.
Product: Checking or savings account

Bank Of America - Date of Fraud Report XX/XX/XXXX. Attempt to contact Bank of America ten times between XXXX XXXX XX/XX/XXXX. 

I was a platinum honors client member of bank of America since XXXX and maintained a balance of {$200000.00} annually as a platinum honors client. I have always had a wonderful relationship until fraudulent activity XX/XX/XXXX. I have credit card and car loan with bank of America. 
I would ask that you please review all bank statements and police reports. I was able to withdraw my money at the BOA branch due to their review of the case and discussion with Bank of America fraud team. 

I am writing to provide the order of events for my XXXX bank of America accounts which were linked to a fraudulent account. They were able to go to online banking link my XXXX accounts listed below to their fraudulent account. It is shown that the fraudulent account had a starting balance XXXX. They linked accounts- fraud account with XXXX XXXX signature will not be on any of their active accounts with the exception of the withdrawal of my transferred funds. There is no record of signage from me on this account. Please check records. They live in XXXX XXXX California. I live in XXXX Virginia XXXX. They transferred funds Accounts - personal checking - personal savings-constant balance {$200000.00} XXXX. They withdrew funds at casinos. I was not notified XXXX. They transferred between accounts so it wouldnt look suspicious- I have been a platinum honors client and maintained a balance of over {$200000.00} since XXXX. 
I have continued to work with Bank of America for ALL of my bank accounts this includes - Business Banking - Personal Checking - Personal Savings However all of them were compromised and now my claim has been denied. My previous accounts with Bank of America were compromised in XX/XX/XXXX. This caused me to switch my drivers license and open new accounts completely. 

Bank of America has failed to protect my account twice in XXXX. 
This includes the fraudulent activity XX/XX/XXXX and XX/XX/XXXX. I was not notified about either account activity People involved in the investigation XXXX XXXX Detective XXXX XXXX XXXX XXXX : Case # XXXX. 
BOA XXXX Representative XXXX XXXX phone number XXXX inappropriately filed claim BOA Fraud Representative Supervisor XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXXXXXX XXXX Laws Dear CBXXXX, CB/EXPRESS, COMENITYBANK/VICTORIA XXXX I am writing to address a concerning violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX XXXX identity theft fraud laws, particularly XXXX Municipal Code Section 610.180. 

It has come to my attention that CBXXXX XXXX CB/EXPRESS, COMENITYBANK/VICTORIA has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXXXXXX XXXX  law, specifically XXXX Municipal Code Section 610.180, emphasizes the importance of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with certainty that I have not provided consent for CB/XXXX, CB/EXPRESS, COMENITYBANK/VICTORIA to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws. 

I demand that CBXXXX, CB/EXPRESS, COMENITYBANK/VICTORIA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXXXXXX XXXX  identity theft fraud laws . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and XXXXXXXX XXXX  laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CBXXXX, CB/EXPRESS, COMENITYBANK/VICTORIA will promptly rectify these violations XXXX respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 ( Inquiries ) Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

My father was a longtime Huntington Bank customer. He XXXX XXXX XXXX XXXX and leaves behind an account at Huntington Bank, of which I believe I am the XXXX. 


I have been trying, without success, to get information on how a designated beneficiary can claim those funds. So far, my experience in dealing with Huntington Bank employees has been, without exception, frustrating and unproductive. On XX/XX/2022, I called Huntington 's XXXXXXXX XXXX  XXXX XXXXXXXXXXXX XXXX and was told that they could not assist with XXXX inquiries at the branch level and I was instructed to contact Customer Service. 


I then spent XXXX XXXX on the line with an XXXX  customer service representative who verified my name, the account number, and account holders Social Security number but otherwise offered no useful information. Our conversation was characterized by multiple intermittent silent pauses of XXXX XXXX during which she might presumably be entering information and checking on the account. But I heard her cellphone dinging loudly through the phone the entire time, so I believe she was distracted with personal matters rather than focusing on my inquiry. Eventually, I asked to be transferred to a manager and was promptly disconnected. That appears to be a common phenomenon with Huntington Customer Service according to XXXX XXXX XXXX logs, and those disconnects are often perceived as intentional.

I called Huntington Customer Service again and spoke with a representative who did not seem to know what a XXXX was. So again, I requested to speak with a manager. I was then transferred to a manager named XXXX, who was polite but also unhelpful. XXXX first indicated that there were no XXXX listed on the account. I asked again, and she conceded that there could be XXXX  listed but she could not see them, and I would need to speak with someone at the branch office. She proceeded to connect me to a different branch office - one on XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX- but that office was not answering their phone. I left a detailed voicemail message requesting a callback but have still not received one. I called again on XXXX separate occasions over the next XXXX XXXX but still no answer. 


I live in XXXXXXXX XXXX, so jumping on a plane to visit a Huntington Branch office in XXXX without confirmation that I am a XXXX, instructions on how to claim the funds, or information on what documents may be needed is impractical. While employee incompetence and poor customer service remain possible explanations, I strongly suspect Huntington Bank is dealing in bad faith deliberately making it difficult or nearly impossible for XXXX to claim funds. 


Thank you in advance for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not accurately verified any of the information on my file related to this account nor have they adequately investigated the supporting documentation I have sent them including ID Theft Affidavits and Police Reports, as I have been a victim of identity theft originating back to XXXX. Instead, Experian has negligently allowed their automated disputing processing system to repeatedly list inaccurately information on my credit file causing me extensive hardship since XXXX. Below, I have listed some of the recent multiple dispute attempts I have had to file in order to have each individual account errors deleted from my credit file as it has been negatively impacting my credit score for more than one year at least : 1 XXXX XXXX XXXX XXXX XXXX, open date XX/XX/XXXX a. dispute filed XX/XX/XXXX as not my account, possible fraud, ID theft Police Report & fraud affidavit provided b. dispute filed XX/XX/XXXX as not my account, possible merged file with someone with similar names, police report provided, affidavit of iD theft provided c. dispute filed XX/XX/XXXX as not my account, possible fraud, Police Report & ID Theft Affidavit provided Experian only removed multiple addresses and social security numbers listed on my credit file after multiple dispute requests. I assumed, Experian reviewed my ID theft report and affidavit which was sent with the dispute because the inaccurate account was eventually removed, but after months the account reappeared on my credit file with a new closed account status.
Product: Vehicle loan or lease

I have a car loan with Coastal Credit LLC. I have had this loan since XX/XX/2019. My payment is due on the XXXX of every month. When I applied for my loan they asked me to provide references of people I know. I never should have done that. If the XXXX or XXXX comes and my payment has not yet been made they will harass me all day long with at least 5 calls minimum during the day while I'm at work. If I don't answer the phone, the next day they start calling all the references I gave them telling them its Coastal Credit and they are trying to contact me and I'm not answering the phone. Then they ask if the person knows where I am. Keep in mind my payment is only three days behind at this point. This is absurd. 
Also they keep demanding i MUST provide them with a a bank account number so they can set up a direct withdrawal. I will never do that for any debt. I am aware that the law is on the side of the creditor if a direct withdrawal is set up. 
I have never had any past due payments with them, no 30, 60, 90 days late etc. 
I have also requested that any further communication that Coastal Credit wants to make with me be by mail only, NO MORE PHONE CALLS to me or the references. 

The Coastal Credit person involved is XXXX XXXX Coastal Credit Account Representative XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Credit Bureaus also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card or prepaid card

On XX/XX/XXXX I placed on XXXX for three sweat pants which I expected to purchase. The order was paid for with my XXXX credit card. On the XX/XX/XXXX, the order was partially delivered which means one of the three sweat pants was delivered. However, according to XXXX website all three sweat pants were delivered and despite various tries to reach a positive resolution I feel that XXXX is giving me the run around. From my perspective as their customer I expect the product which I order to be delivered completely or for a refund for the charges as it pertains to such order. However, that has not been the case since after having e-mailed them several times I am yet to receive the product or to reach a positive resolution.Instead, I was told about an investigation which will take around sixty days while hanging on to the funds which i paid for the product. further, there has been several charges in the sum of {$1.00} for several statements for subscription that I didn't signed for.
Product: Debt collection

CHARTER ONE/FM has been falsifying records. I opened the account XX/XX/XXXX, and I missed my first payment on XX/XX/XXXX. Charter one has been reporting the wrong dates and numbers to the credit bureaus. They report that I made 3 payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they are unable to show evidence of this or account for this. They also report the collection on XX/XX/XXXX, and they recently put a charge of on my account on XX/XX/XXXX. This is concerning because there has not been any activity on this account for the past 7 years, and now they are attacking me for an account that they have written off. Lastly, it has been past the statute of limitation for this account. This resent attack on my credit on XX/XX/XXXX shows malice. Please help resolve whatever is going on with this account. 

They sent me a letter agreeing that XX/XX/XXXX was my first delinquency. They also state in the letter attached that the account was already charged off in XXXX. This letter is attached to this email. They continue to report falsehoods to the credit bureaus ( XXXX  ), even though they know and have admitted the truth as seen on the attachment. They reported these inaccuracies in XX/XX/XXXX and continue to harass me.