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

I am writing to formally file a complaint against Self Financial , Inc. ( Self ), regarding inaccurate information reported on my consumer report. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and potentially relevant state laws. Below are the specific issues : 1. Incorrect Account Opening Date Self Financial has inaccurately reported the opening date of my account as XX/XX/year>. This information is incorrect, and the actual account opening date is different. Under the Fair Credit Reporting Act ( FCRA ) 609 ( 15 U.S.C. 1681g ), I have the right to accurate information on my consumer report, and any incorrect dates or information should be promptly corrected.

2. Reporting of Late Payments Self Financial has reported that I made late payments on my account. This is inaccurate as I have consistently made timely payments. According to the FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information to credit reporting agencies are required to report accurate and complete information. The reporting of late payments that were never made is not only misleading but damages my credit standing. 

3. XXXX Payments on Account Despite High Balance Self Financial is reporting a high balance on my account but is simultaneously showing XXXX payments made. This is inconsistent and inaccurate. Under FCRA 623, furnishers must ensure that the information provided is correct, and reporting both a high balance and zero payments when payments were made does not comply with this requirement. This erroneous information could mislead creditors and negatively impact my creditworthiness. 

Violations of Federal and State Laws Under the FCRA, consumers have the right to dispute inaccurate information, and companies must investigate and correct any errors in a timely manner. Self Financial 's failure to accurately report my account details not only violates the FCRA but may also be in violation of state laws that protect consumers from unfair and deceptive trade practices. If applicable, I request the CFPB 's assistance in determining any state-specific consumer protection laws that might provide further recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : Account # XXXX US Department Of Education XXXX US Department Of Education XXXX XXXX XXXX US Department Of Education/XXXX XXXX XXXX US Department Of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I paid my XXXX XXXX XXXX ( XXXX ) bill on their website, I inadvertently used my closed Wells Fargo Checking Account. I contacted Wells Fargo on XX/XX/XXXX at XXXX XXXX  ( PST ) and spoke to customer service, I think his name has XXXX. I told him what I did, the amount, the date, payer, verified the old account number and he put me on hold came back after speaking to his supervisor not to worry about it, when the check came in it would cross over to my new checking account and get paid. I asked again and he said do not worry about it, it will be alright. It will be paid. Now with this information from Wells Fargo I though I was covered, I do not need to submit a corrected payment the XXXX, Wells Fargo has it covered. NOT SO. I received a letter from XXXX dated XX/XX/XXXX stating my check was returned by the bank and a {$7.00} returned check fee has been charged to my account. I had to pay {$150.00} to avoid going to collection. I now have a check restriction on my account for the next six months. I called Wells Fargo when I received the letter on XX/XX/XXXX and a case was opened with Case Management. Case Management told me that they would listen to the conversation on XX/XX/XXXX. I called Case Management back on XX/XX/XXXX spoke with XXXX XXXX who told me they would give me the {$7.00} back and that is it, this does not cover the additional charge XXXX is going to charge me for paying my bill late. I'm waiting for my next bill. She refused to let me speak to her boss XXXX XXXX and refused to give me the directors name. We went around and around about a letter, and in my situation they do not have a form letter available, I told her then they need to write up a letter for my situation. She kept referring back that I wanted Wells Fargo to take the blame for the entire issue and I told her no, I know I made the initial error, but I called Wells Fargo and was told that Wells Fargo would take care of paying the check. I relied on what Wells Fargo told me. Then she hung up on me.
Product: Checking or savings account

Someone hacked my account using a different Device I Submitted All Evidence that the phone used to make the transfer was not mines nor did I have access to the device in question they denied my dispute as no error found I also tried to have it reopened Submitting proof that my password to my account was saved to my XXXX passwords
Product: Credit card or prepaid card

I am writing to formally dispute a charge of XXXX  to my XXXX XXXX credit card account on XXXX XX/XX/2023. The charge was never authorized, was made while the card was not in my possession and is 100 % fraudulent. 
While vacationing in XXXX, on Wed XX/XX/2023 at approximately XXXX, I visited XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to purchase gasoline. I asked the outside attendant if credit card would be accepted for the purchase, and he confirmed it would be. I had the attendant fill my tank with gasoline and the total cost was approximately XXXX XXXX pesos ( approximately XXXX ). I handed my credit card to the attendant to pay, and he claimed my credit card was declined. I had him try XXXX different cards and he said none would work. He then detained XXXX of my credit cards while I searched my car for cash to pay for the gas. After a few minutes of searching, I was able to find enough money to pay in cash. I asked for my credit card back and received it and departed. 
After leaving XXXX and getting back to the United States, on Sunday XX/XX/XXXX I was reviewing my credit card transactions and found a charge for XXXX  ( approximately MXN XXXX pesos ) that initiated at the exact time I was at this gas station and while the attendant held my card. Ive concluded that while I was searching in my car, the attendant fraudulently scanned my card on another card machine in this XXXX XXXX pesos amount. This charge shows up on my credit card statement as being for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
After discovering the fraud upon my return to the United States, I have submitted police report # XXXX via XXXX XXXX to XXXX police. I have submitted police report # XXXX to XXXX XXXX police department. I have also submitted report # XXXX to the FTC. 

I have submitted this complaint to the Capital One fraud department and the case was immediately closed without resolution. Case # XXXX I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Loan was sold to rocket mortgage from XXXX XXXX. Unaware that they kept the auto payment, I made a payment so I got charged twice at the beginning of XXXX. When I realized the error I asked them to return one of the payments and all seemed good. 

I was charged again a second time on the XXXX and the first rep was pretty rude and basically said it is not their fault and they can't do anything. the payment will show failed since my bank account went negative and be returned in 3 to 5 business days. I have other bills due so I called again and they now notified me that there's a charge along with any " failure of payment. '' But I've already paid them successfully for the month on the first charge. They had no assistance or annoyance to their fault for this. 

Not only am I getting a fee for a charge I didn't approve of, it is going to hit my credit record and score, but on top of that I still don't have that money back. I'm horribly upset that I'm taking the hit on so many fronts for something they did. They clearly don't care for the customers financial situation. I've had to borrow money from a friend so that I can pay my regular bills.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX XXXX and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in 2012 and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is  five years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over five years on my file that is incorrect. I have disputed the record and it was not taken off.
Product: Credit reporting or other personal consumer reports

This is my final request for the immediate deletion of the inaccurate and conflicting information being reported on my credit report. Your continued reporting of this unverified and inconsistent information constitutes clear violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I use XXXX to buy cryptocurrency and every time I make a purchase XXXX tells me that TD Bank blocked the transaction. I 've tried purchasing Litecoin 4 times already for the amount of {$200.00} each time and it 's blocked every single time by TD Bank.
Product: Vehicle loan or lease

In XXXX 2016 I received a bill from Toyota Financial Services ( TFS ) for the amount of {$450.00} for excessive miles and dispositions fee ; I called TFS and explains to them i m entered in to a new contract with them on XX/XX/2016 with a new XXXX XXXX XXXX, Also a call the dealer and they give me two  confirmations numbers for the payment that they made to TFS confirmations # XXXX Costumer last name XXXX, costumer vin ( last seven digit ) XXXX. Also another confirmation number # XXXX Costumer last name XXXX Vin # ( last seven digit ) XXXX I call several times to TFS i got call records date and name with the person i spoke to but they never do nothing now the send me to the collection agency and affecting my credit a lot of inconvenience to me receiving call and letter like i was delinquency. i got my proof of payment i made the calls that a have to do and now i m affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

Approx. XXXX Central Time My employer was contacted by one,  XXXX XXXX from a spoof phone number that block our company caller id system. 

This is Mr. XXXX third attempt contacting my place of employment. Debt collectors or solicitation of collection phone calls arent allowed to call my place of employment per company policy as I have informed them in the past. I have no tie to this issue nor any proof of writing that I've requested that I owe such a debt. 

He contacted my employer from XXXX stating his company is called Huntington Financial Services, which is also a possible fraudulent pseudo company in which I or the CFPB can seek litigation.
Product: Credit card

I was paying my Wells Fargo Visa card in full as they had perpetrated fraud on the account. This has previously been reported to the CFPB. I called the phone number on the back of the Wells Fargo Visa card as the amount that was reported on the statement was apparently incorrect as there was an approximate {$42.00} still owed on the card. I explained I was closing the card. Wells Fargo said I could pay directly from my XXXX Bank account. She asked for the account and routing number which I gave her. I checked the Wells Fargo Statement and {$9.00} was owed on the card. I called the number on the back of the card again and spoke with XXXX women. They each explained this charge was interest on the card. I explained the card was paid off and closed. I also requested their explanations of this charge be sent to me in writing. All said this could not be done. The last woman I spoke to, XXXX, finally said the {$9.00} would be waived. I agreed. I checked my XXXX Bank acct on XX/XX/2016 and the {$9.00} had been withdrawn without my agreement. I again called Wells Fargo and was told that Wells Fraud Investigators would contact me. I said to please make note that they should contact me in writing only. Yesterday, I received a phone call from Wells Fargo which I will not return. Also, yesterday I received a letter from Wells Fargo Card Service stating, " thank you for using our telephone payment service ... .. ''. for payment of the {$9.00}. I never gave them permission to once again enter my XXXX BANK ACCOUNT for this amount. THIS PRACTICE IS QUITE FRIGHTENING. I have notified XXXX Bank concerning this fraudulent practice.
Product: Credit reporting or other personal consumer reports

I am writing to report multiple unauthorized hard credit inquiries on my credit report. Despite not applying for credit with the listed institutions, I discovered ten unauthorized inquiries, as detailed in the attached documentation. These inquiries, made without my consent, violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I have already disputed these inquiries with the credit bureau, but the issue persists. I am seeking assistance in rectifying this matter, ensuring the removal of these unauthorized inquiries, and preventing any further violations of my credit rights.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these two accounts XXXX XXXX acc XXXX and chase cards acc # XXXX, are reporting one delinquency negative mark on each account. i have already received the creditors letter for which they have approved to remove the inaccurate information from my credit reports and they have approve to have all the credit agencies to remove this inaccuracy. 
please help me to resolve this issue thank you
Product: Credit reporting or other personal consumer reports

I have a credit card from BK OF AMER and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called BK OF AMER, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BK OF AMER with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/year>. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports I did not benefit from. This also includes XXXX hospital collections accounts I have no knowledge of. I never authorized XXXX XXXX XXXX to release my records to any collections company, which is XXXX and a violation of XXXX. This is also hurting my chances at obtaining a mortgage. I need this fraudulent account removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$7500.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 requested a validation of debt from XXXX XXXX  and the failed to comply with my request. 
Experian failed to verified the debt in a timely manner, they did not furnished me with the process on how they investigated, the name of the person that verify the debt. The collection agency also failed to provide that they own the account any contracts or receipts with my signature