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

XXXX, TRANSUNION AND XXXX  ARE REPORTING INACCURATE ACCOUNTS AND INFO THATS NOT MINE. 

Names : XXXX XXXX XXXX NOT MINE XXXX XXXX XXXX NOT MINE XXXX XXXX- NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX - NOT MINE XXXX XXXX XXXX - NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX - NOT MINE Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX NOT MINE ACCOUNTS : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX/XXXX - NOT MINE
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per my several attempts to resolve the inaccurate, incorrect information reporting on my credit reports the consumer credit agencies as well has the furnishers is in violation of FCRA, My rights as a consumer is in fact being disregarded despite my continually efforts for this matter to be resolved before taking legal action. XXXX XXXX XXXX is reporting a collection on my Trans Union and XXXX and is in direct violation refusing validation despite my request. Also this company is not authorize to do business in the state of Georgia. My request is that these collections are proven validate with an contractual written agreement between this company and myself or the original written copy of the contract from the company the are claiming to represent with my wet signature or delete these collections from my report immediately. Account reporting as charge offs and other accounts are also showing inaccurate and incorrect names addresses and other harmful adverse information. Please delete all accounts immediately. I have attached proof of all violations along with documentation to serve as evidence before taking legal action.
Product: Credit reporting or other personal consumer reports

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has validated The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinve
stigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/22 I upgraded acct ending in XXXX from safe balance to XXXX XXXX to waive monthly {$4.00} fee for direct deposits total {$2400.00}. On XX/XX/22 however I received an email discussing a {$25.00} maintenance fee on advantage relationship banking which I never authorized, even though this account currently shows advantage plus. Until the correct email is received I will not consider the issue resolved. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is wrong information reporting on it. XXXX XXXX account have been closed and is not longer on my report. Also with XXXX, Experian, and XXXX, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On XXXX report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

Experian XXXX XXXX account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX XXXX needs to be removed. I did not approve this inquiry. 

XXXX report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off car loan in full and lost XXXX points on credit report... ..how is this right? Why am I being punished for paying off account?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report by Oxygen XL, based on data from XXXX XXXX XXXX XXXX XXXX 

Oxygen XL has reported a balance of {$5400.00} on my credit report, claiming this amount is due to " missed rent '' and " damages. '' This information is fraudulent. I was not living at the apartment during the dates for which the rent was allegedly missed, and there were no damages when I vacated the property.

I followed the instructions provided by the office manager, which were to submit a 30-day notice. I complied with this requirement, submitted my notice, and vacated the apartment accordingly.

Thank you for your prompt attention to this matter.
Product: Debt collection

I sent a certified letter on XX/XX/XXXX ( received and signed for on XX/XX/XXXX ) requesting they only contact me via mail and on XX/XX/2016 I received a phone call and subsequent voicemail from this company. I also requested verification of the alleged debt and all I received was a " Disposition of Charges '' that did n't tell me anything.
Product: Credit card

I signed up to use PayPal so I can use my own current ( personal XXXX credit card to pay for a friend 's wedding. Without my knowledge or consent, PayPal ran my credit report and signed me up for their credit account. I 'm infuriated that a company could do this without informing the user of the mobile/web experience. I 'm trying to purchase a house, and this incident will affect this process.
Product: Checking or savings account

Got an e-mail in XX/XX/XXXX about an account being opened for me at Bank of America. I called that day to report and spoke with their fraud department. They said they would investigate and that it would be closed. I kept getting bank statements monthly. No transactions. I called again around XXXX and went through the same process. Claimed the same thing would happen. Now today I got yet another statement that the account is opened. I googled to see if others have had this happen and saw someone referred to CFPB. I then went to the CPFB to file a complaint. They received the complaint. Bank of America responded saying the account was closed on XX/XX/XXXX. Well I received a bank statement again dated XX/XX/XXXX. I am filing another complaint due to the fact they did not do what they said they would do and have in fact done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit card or prepaid card

I tried in the past to apply for an XXXX credit card which is sponsored by Chase, every time I applied Chase Bank always deny application, I have 2 different mortgages with Chase ( no issues ), 2 XXXX XXXX cards ( no issues ), utility bills and payments are on time. I don't understand why every application has been denied in the past 2 years, is either discrimination or something else that Chase bank doesn't want to disclose.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

The date was Saturday, XX/XX/XXXX. The amounts were intervals of {$150.00}, {$270.00}, {$530.00}, and {$600.00}. It was claimed that the {$150.00} was an initial investment. The rest of the transactions were to cover the interest fees necessary to do the cryptocurrency exchange. I was Asked for these in a series of tweets by the perpetrator and I Foolishly obliged With the promise of a return in investment. 

The payments were sent via XXXX XXXX. XXXX support advised they can not stop the payments and Bank of America advised they can not dispute until the payments post, but they should not post. Im trying to freeze these transactions.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXX Code XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) Ai, XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for XXXX XXXX FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

Im disputing the Bank of America - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 


BK OF AMER {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XXXX  XXXX Past due amount {$24000.00} Original loan amount {$45000.00}
Product: Checking or savings account

XXXX XXXX XXXX  XXXX XXXX Provident Bank posted a mortgage payment to my Checking Account in " XXXX Bank '' for the amount of {$4300.00} on XX/XX/year>. I did not Authorize this payment amount to Provident. I paid my regular Mortgage amount to Provident on-time, and no dues from my end.

I approached both Provident and XXXX XXXX  Customer Service regarding this multiple times. 

XXXX XXXX  said that Provident bank posted the payment, and they paid the amount to Provident Bank, and they don't see any errors in XXXX system, so they are not responsible, and they asked me to contact Provident Bank. 

Provident bank said that they don't see the transaction at their end at all, so they are asking me to contact XXXX bank. 

Both banks are not taking the responsibility. Extra {$4300.00} from my budget keeping me in difficult situation to pay for my other household expenses and bills.
Product: Payday loan, title loan, personal loan, or advance loan

Was tricked into adding options products on my loan was told I couldnt get the loan unless I signed up for these options products
Product: Credit reporting or other personal consumer reports

I filed a dispute against inaccurate information being reported by XXXX XXXX XXXX. They have not updated my credit report accordingly. The dispute was open on XX/XX/XXXX, the investigation was closed on XX/XX/XXXX. Please see the attached results. XXXX is reporting that I have ( XXXX ) repossessions and redeemed. The vehicle was only physically taken in XXXX, because of natural disaster. I have to constantly send in information into Equifax and they do no investigation, I have asked for the creditor to be removed since the information being reported varies from Equifax, XXXX and XXXX advised I have no credit report it frozen, but when I supply them with the required documents in XXXX, still not access to my credit report. 

Equifax should update accordingly, investigate and not open and close a matter. XXXX financial are criminals and hurting my credit. I never redeemed the car, I never signed anything agreeing to any extension of contract or terms, they took my payments and did not apply them accordingly and after 5 years of payments I owe XXXX, do the math it doesnt even sound correct. I am being hinder from purchasing a new car with their inaccurate reporting and the Credit Bureaus are allowing that to happen even after a consumer, like me whom submits a dispute. not even XXXX hours they closed the matter and claim they updated my credit report, the payments made from XXXX is still not listed. XXXX however has updated and working on the dispute submitted on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00}
Product: Mortgage

Our mortgage was transferred from XXXX to Shellpoint/NewRez as of XX/XX/2022. The account was up-to-date and our XXXX payment to XXXX was applied on XX/XX/2022. 

However, Shellpoint created our account with an initial payment due date of XX/XX/2022 and has categorized each subsequent payment as late. 

We have emailed and spoken with Shellpoint 8-10 times about this, providing documentation many times. Their story has evolved : 1. first Shellpoint claimed XXXX did not forward the XXXX payment ; 2. later Shellpoint claimed XXXX was refusing to forward the XXXX payment ; 3. then Shellpoint claimed XXXX transferred the loan with a due date of XX/XX/2022 so it didn't matter what the payment history said as Shellpoint was legally compelled to adhere to this due date ; 4. Most recently we provided proof that XXXX transferred the loan with a due date of XX/XX/2022. Following this, Shellpoint claimed they corrected the mistake. It has not been corrected.
Product: Checking or savings account

Hello! 

I am writing to formally lodge a complaint against Wells Fargo. As a customer of Wells Fargo, I encountered a significant issue in XXXX that remains unresolved to this day. 

**Issue Description** : In XXXX, a friend of mine wrote a check to me, which I deposited into my bank account. Subsequently, the bank closed my account and withheld the check amount, without returning the money to my friend. When I visited the bank to inquire about the status of the check, the bank staff informed me that the money had been returned. However, I recently contacted another department at Wells Fargo and learned that they had actually withheld the check funds. 

**Communication History** : I have contacted Wells Fargo 's customer service multiple times, as detailed below : - On [ XXXX ], I contacted Wells Fargo 's customer service via [ phone//live chat, etc. ] and did not receive a satisfactory resolution. 
- On [ XXXX ], I visited the bank and was informed by the staff that the money had been returned. 
- On [ XX/XX/XXXX ], I contacted another department at Wells Fargo and discovered that the check funds were withheld.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a credit alert from Equifax that XXXX XXXX XXXX pull my credit, I haven't applied for any auto loan, this is another fraudulent hard inquiry. I have been a victim of identity theft in the past and I have a fraud alert in my credit report but this company XXXX XXXX XXXX never called me to ask me if this application was mine. When I contact them to ask about this matter, they apologize but they didn't remove the fraudulent hard inquiry from my credit report, I got the same result when I called Equifax. Please remove this fraudulent hard inquiry from my credit report XXXX XXXX XXXX XX/XX/2018
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX XXXX XXXX balance of {$650.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My understanding is that FCRA 605B obliges us to eradicate any erroneous accounts from my credit report. Would you mind reviewing the documents? Several listed accounts contain inaccuracies in their reporting, including incorrect amounts and dates.
Product: Debt collection

Only received information of the debt through a third party website known as XXXX XXXX. Never received itemization of debt, mailed letter, or information on right to dispute with a tear away portion at the end of document. Never received any documents or information even though requested. 

Need verification of identity. Social security, any signed documents of contract.
Product: Credit card or prepaid card

American express advertised referral promotion for the credit card. I have referred family member and met the condition of referral promotion. However, after 12 weeks of meeting the requirement, American Express is delaying giving the promotional points.