23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021, I logged into my direct express account to see that several 6 unauthorized transactions were made totaling XXXX dollars from Supplemental Social Security benefits for my minor. Direct Express took an hour and a half to get in touch where I was not given any guidance on how to resolve this issue and when I could expect any help in getting my money back. These are federal funds issued to those in need. It is absolutely ridiculous that phishing scams are allowed to happen with cards issued by the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and TransUnion Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute with the three credit reporting agencies back in XX/XX/2019. After more than 30 days later ; after standard verification process, the 3 reporting agencies DELETED incorrectly reported files from their reports. HOWEVER, after receiving notice the verification has been completed and the negative reports had been DELETED from my credit file, now FIVE MONTHS later, EXPERIAN has RE-ENTERED the previously DELETED, incorrect, inaccurate, mis-reported files back onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has fail to do as I the consumer ask to do, which is remove the collection of XXXX XXXX  XXXX for inaccurate information. Instead transunion decided to change the date which is a federal crime and a violation of my due process as well protection under the fcra. I enclosed of the copies dating XX/XX/2019 were the last payment date is XXXX and transunion last date was XXXX. Now the dates were changed I requested that the item be removed from my credit report. Please investigate this matter of credit bureau wrongful doing. Asking for a federal investigation on transunion credit bureaus.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following items require rectification : XXXX XXXX open XXXX {$820.00}, XXXX XXXX {$2700.00}, XXXX XXXX  open XXXX {$9000.00}, XXXX XXXX XXXX {$950.00}, XXXX XXXX XXXX  XXXX {$600.00}, XXXX XXXX XXXX, XXXX XXXX XXXXPlease remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 Bank of America Consumer Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that Bank of America cease and desist from reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. 
I am requesting that Bank of America refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. 
I expect that Bank of America will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. 
Please provide written confirmation within 10 days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against Bank of America in accordance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I trust that Bank of America will take immediate action to address my concerns and ensure the accuracy of the information being reported. 
Sincerely, XXXX XXXX
Product: Debt collection

I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.
Product: Checking or savings account

I opened a 1-year certificate of deposit with XXXX XXXX The account was opened online even though I lived in XXXX. In XXXX, we received a letter reminding me that the CD was about to mature and I needed to take action to receive my money back, otherwise it would roll over into a new CD. I called the number listed on the letter to ask to withdraw money but was told I had to go into a branch to receive the funds. I told the adviser that I had moved 6 months ago and getting to the branch would take a 2 hour drive. I was told that there was no way I could get my money without driving to a branch and no further assistance was offered. I called back 4 times over the next few weeks and no one seemed to be able to help me. I am sure I am not the only person who has moved away from the XXXX area. I was directed to call a branch and they directed me back to the call center. This happened multiple times. Finally, in XXXX, I was given an address in Rhode Island to mail a letter to that would authorize the money to be returned to me without going to a branch. I mailed the letter and about a month letter, I was told that I missed the 10 day window to withdraw the funds. I missed the 10 day window because no one knew how to help me. I was told to either pay {$50.00} or wait until 14 months to get my money. This is not fair - please help!
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported an account # XXXX Rent Recovery Solutions. I have provided court documents that show I do not owe anything. This needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX FIN - XXXX, XXXX XXXX, XXXX - XXXX AND ALL NEW OR OLD INQUIRES XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  XXXX XXXX. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.
Product: Debt collection

Please reference previous CFPB complain # XXXX SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX, GA has had more than adeqate time to investigate the grossly inaccurate information which they are consistantly reporting, irregardless to it's inaccuracy monthly to all three major credit repositories an as a result has caused me injury. On XX/XX/XXXX XXXX XXXX who works in the interest of SEQUIUM ASSET SOLUTIONS , LLC informed Consumer Financial Protection Bureau that she would be responding to my complaint in 10 business days. It is now XX/XX/XXXX and no follow up has been provided nor has my credit file been corrected by the removal of this inaccuracy. 

Furthermore, shortly after filing my initial complain to the Consumer Financial Protection Bureau, I contacted XXXX XXXX and spoke to a billing specialist who confirmed that a Cable Modem was returned in my name back to XXXX XXXX back in XXXX at one of their retail stores and was curious as to why a credit was not issued to my account. 

The representative told me that they would have to investigate the error and update my previous account accordingly. Please note, that before moving out of my former residence, I was not paying any equipment fees for several years and the XXXX XXXX billing representative confirmed that with me. She said that if I owned equipment, I would be charged a monthly rental fee. 

I also provided to CFPB by way of an attachment in a previous complain " XXXX '' my final PAID bill from XXXX XXXX which I received via email prior to moving out of my former residence. 

I DO NOT OWE XXXX XXXX any money. 

I have been dealing with this issue for several months now and no remedy have been provided nor any law enforced. As a consumer who is protected under the law of the State of Nevada and Federal law. I asked that the Consumer Financial Protection Bureau act under the full power of authority to assist in the timely removal of this inaccuracy.
Product: Debt collection

The debt collector sent me an email I have never given this debt collector my information, nor never signed an agreement with them.
Product: Credit reporting or other personal consumer reports

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation
Product: Credit reporting or other personal consumer reports

I am submitting this as a second request for assistance in resolving the inaccurate reporting of XXXX XXXX XXXX, which appears on my rental history as a Judgment of Possession. This information is incorrect and continues to hinder my ability to secure housing. 

Background : 1. I resolved the judgment by making full payment, as confirmed by written correspondence from the apartment complex. The judgment was canceled, and no eviction occurred. 
2. I was allowed to remain in the unit and subsequently signed two additional leases with the same property after the judgment. These leases further confirm that the matter was fully resolved. 

Attachments : To support my claim, I am including the following documentation : Email correspondence from the apartment complex verifying that the judgment was resolved and no eviction took place. 
Copies of two subsequent leases for the same unit, showing that I continued to reside there without issue. 

Request for Resolution : I am requesting CFPBs intervention to ensure that the reporting agency updates or removes this inaccurate entry from my rental history. Despite my previous efforts to resolve this, the issue remains unresolved, and it is unfairly preventing me from moving into a new home. 

Contact Information : I can be reached at XXXX or XXXX for additional information or clarification. 

Thank you for your attention to this matter. I sincerely hope for a swift resolution to this ongoing issue, as it is causing undue XXXX and hardship.
Product: Debt collection

Some people used my las name but with diferent secund las name XXXX
Product: Checking or savings account

On XX/XX/year> at or around XXXX are. I went to XXXX gas station to withdraw {$800.00} dollars for a car repair. I entered the store which has XXXX XXXX ATMs. I decided to use the one on the right closest to the soda refrigerator. After putting in my pin and following the steps. I proceeded to withdraw the money. Shortly after I received an error message and the ATM did not dispense any of the funds requested. 

I immediately checked my account and funds had been subtracted from my available balance. After closing my online banking I notified the manager at the location and she mentioned I should call my bank and start a claim. Before leaving the location I attempted to use the alternate ATM on the left closet to the exit. I was able to successfully withdraw XXXX dollar out of my account. Once I left the store I sat in the parking lot and immediately called Navy Federal to open a claim. After finishing the claim. I left the store but returned later in morning because I was still short XXXX dollars for my car repair and the XXXX store is the only ATM in the area that did not have a fee. 

I entered the store again a was able to successfully withdraw XXXX dollars. XXXX in total. On XX/XX/year> I had XXXX different ATM transactions totaling XXXX dollars but the ATM only dispensed {$800.00}. On XX/XX/year> Navy federal notified me that they will remove the provision credit given for the incident and that the ATM owner provided documentation that I benefited from the transaction and no error occurred. Im sure navy federal did not do a proper investigation and and has acted unfairly and failed me as a customer. 

My complaint is to look further into all three transactions attempted because the first attempt at withdrawing XXXX dollars was unsuccessful. I have filed a police report to assist with this investigation and hopefully get surveillance footage of this transaction here is the incident # XXXX. I have also contacted Corporate at XXXX and opened a Compliant and requested the ATM be serviced and checked for any malfunctions. My complaint identification number is # XXXX.
Product: Debt collection

{$460.00} XXXX credit card debt went to collections. Debt was owned by Global Credit and Collections. I received a notification via mail that I could settle the debt for {$290.00}. Check was dated XX/XX/2015 and was deposited into Global 's bank account. My account number is referenced in the memo line. I have a copy of check image with deposit stamp. Called Global and they said since they no longer own the debt they can do nothing. 

XX/XX/2015 XXXX XXXX owned debt and has been trying to collect. XXXX has asked for me to fax the check image, which I have done 3 times to no avail. Paid debt remains on credit report and I have been dinged several times by XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure. 

This dispute concerns a late payment entry reported by XXXX  XXXX XXXX for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it had been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 someone applied for a Credit Product with XXXX XXXX issued by Synchrony Bank.
Product: Mortgage

I was eligible for a Forbearance Plan on XX/XX/XXXX by my servicing company Fay Servicing in the amount of {$16.00}, XXXX. 

As of XX/XX/XXXX I received a delinquency notice to pay the total amount {$16000.00} to bring my loan current. 

I was offered the option by Fay Servicing to put the arrears amount at the back of the loan and my mortgage payment will increase slightly. 

I was told by XXXX XXXX, a representative of Fay Servicing that it wasn't the total arrears amount they agreed on so Fay Servicing returned my mortgage payment that was sent to them and requested me to pay a substantial higher amount that I was not able to pay. 

On XX/XX/XXXX I requested from Fay Servicing , LLC for a loan modification on since my business has suffered a financial hardship as a direct result of COVID-19. 

I was asked for more documents which was sent before the date Fay Servicing noted on the letter for my loan modification request. 

I have not received any response from Fay Servicing , LLC regarding the loan modification request instead I recently found out that on XX/XX/XXXX they filed a complaint for Foreclosure of A Mortgage with the Court Index No. XXXX against my property. 
I strongly believe Fay Servicing , LLC has violated my rights for failing to provide me with the protection against foreclosure required by Law. 

Furthermore, my loan modification is still pending with Fay Servicing , LLC and I haven't received any denial letter in reference to my loan modification. Instead, I am receiving calls from their representative XXXX XXXX, stating to me that my interest rate is already low I need to come up with other alternative in paying this loan back. 

Fay Servicing , LLC has illegally launched a foreclosure proceeding against me while I am actively looking for help to save my home.
Product: Credit reporting or other personal consumer reports

I was in a accident on XX/XX/XXXX. I had a loan financed though XXXX XXXX XXXX XXXX  which was declared a total loss by the insurance company. 

On XX/XX/XXXX I received a letter from XXXX XXXX ( attached ) stating that my account was paid in full. Today XX/XX/XXXX my credit dropped drastically because XXXX XXXX reported that I missed 9 months of payments from XX/XX/XXXX until XX/XX/XXXX. 

I have not had the vehicle since XXXX. I have not made a payment since the car was wrecked because I was informed by XXXX XXXX XXXX XXXX that I had a XXXX balance. I contacted the company and they are telling me that I have to pay them or they won't update me credit score. I never made a late payment during the life of the loan. In addition, XXXX XXXX gave me another car loan in XXXX. If I had a balance from XXXX  why did they extend me additional credit? 

In addition, I am the owner of three XXXX XXXX XXXX XXXX. I am also pre approved for another car loan through them. 

This company informed me in writing I did not owe them anything and my loan was satisfied. Now that I am in the process of purchasing a home they purposely dinged my credit without notice. I feel as though they are targeting me for money I do not owe.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017 I accepted payments on VENMO from a friend buying a car. He sent the money in one deposit and I then sent it to a 3rd party in {$900.00} increments. A day later I noticed all charges had been reversed and my venmo account balance is {$2900.00}. In addition to the reversed charges I received an email from VENMO stating my account was frozen do to suspicious activity and that after further investigation it had been deactivated. I still have funds on my account. The customer service rep I spoke to instructed me to have my bank contact VENMO personally but my bank says they have nothing to do w/ the issue at hand. I want my funds released because I heard after 180 days it becomes property of venmo or the government.