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 these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


Please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX  originated our mortgage in XXXX. We made our first payment due XX/XX/XXXX on XX/XX/XXXX after having received our first payment coupon. We made the payment as directed to our loan originator XXXX. We made our second payment on XXXX, for payment due on XXXX, to XXXX XXXX as well. 
Our loan was sold on/around XX/XX/XXXX to Plaza Home Mortgage , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL. 
We made our third payment on XXXX, due for XXXX ; however, our payment notice indicated a payment was missed. prior to making the XXXX payment, we called Plaza regarding the payment notice. The Plaza representative indicated this was likely because of processing/timing between the seller ( XXXX ) and Plaza ( the XXXX ), and would be rectified through their settlement process. 
We then received our next payment notice in XXXX, again indicating we were behind XXXX payment. FIRST ISSUE : The individual was abusive and used inappropriate language. He was also very accusatory in nature and complained about how he was demoted when I asked to speak to a supervisor, stating " I was a supervisor and they will tell you what I told you. '' He finally agreed to transfer me to a supervisor but disconnected me instead. 
I called immediately back and waited for another 15 minutes to reach another representative, who again told us they were reflecting a missed payment. 
SECOND ISSUE. In researching she told me that they had only received XXXX payment from XXXX XXXX XXXX when the loan was purchased and that we should submit proof of payment to XXXX. We had paid both payments via our Internet banking. We received, from our bank, proof of ACH payments to Plaza on XX/XX/XXXX and XXXX as described above. We sent the ACH form to the email as directed and also to our lender at XXXX, who subsequently confirmed that the HomeTown HAD received both payments and HAD submitted both payments to Plaza. 
THIRD ISSUE : We have NEVER received any response from PLAZA from our email to them dated XX/XX/XXXX at XXXX eastern , with proof of payment. 
In discussion with our Lender, XXXX, they confirmed that they had discussed with Plaza and confirmed that Plaza was in agreement that they had received both payments for XX/XX/XXXX and XXXX. 
FOURTH ISSUE : We continue to receive late notices AND late fees, as well as accrued interest that is not justified as a result of Plaza continuing to not reflect the proper payments. We have tried repeatedly to have this resolved, beyond reasonable means - have worked with both the lender and the servicer for over 2 months - to absolutely no resolution while they continue to charge abusive fees and interest. We have had absolutely no response, formal or informal, from Plaza, only from XXXX, and the issue remains unresolved. We have now made payments on XXXX for XXXX, XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number ***XXXX  ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX EMPLOYER : XXXX  XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not properly reporting my balance for my Wells Fargo credit card account also they are not reporting the correct credit score to Wells Fargo my credit score is XXXX and they are reporting XXXX. And my balance on my credit card is XXXX Also I have been trying to get a credit limit increase from Wells Fargo on my credit card and because XXXX isnt reporting the correct credit score to them I keep getting denied. I want my correct credit score sent to Wells Fargo and I want Wells Fargo to increase my credit limit as much as possible hopefully to XXXX or XXXX please
Product: Checking or savings account

I have banked at capital one for many years. I currently have a checking account, 2 savings accounts, a credit card account, and an auto loan. I was recently paid by two different jobs utilizing direct deposits, one was supposed to go to my checking account and the other was supposed to go to my savings account. As of XX/XX/year> I have received no deposits but I possess the paycheck stubs showing that I was paid into these accounts. Upon research, I am finding that many consumers are having the same issue. I received an email at XXXX on XX/XX/year> with a vague message stating that they were having a system issue that was impacting deposits. My problem with this is that I have no money, bills are due and I have several that will impact my life, including my car insurance being cancelled, payments that were coming out of my account today, and disconnection of my electricity. I have currently as of XX/XX/year> at XXXX have been on the phone on hold for approximately 2 hours. This has cause me severe emotional stress plus the fact that I am incurring fees for disconnects, cancellations, and not having money to meet my personal needs. I was not even able to get dinner for my children last night. I have worked 160 hrs between two jobs and not a XXXX is in my account as a result of whatever capital one has going on. This is not ok. Also, the fact that this is going into the weekend of a federal holiday.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a fraudulent charge on my account and a on XX/XX/XXXX There were 2 {$20.00} charges and a {$240.00} charge. I got the {$40.00} but I am waiting for the rest
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a complaint. After watching an Infomercial on TV about credit. I decided to get a copy of my credit report and sure enough it contains errors and 4 collection accounts I know nothing about them. I tried to reach out to Equifax by phone and I have not been able to reach anyone live for the past few weeks. I have also sent my disputes in the mail and I have yet to hear back. I'm not sure if they are open but I want to let you know what I am dealing with and hope we can get the situation resolved immediately. 

That said, I have 4 unknown collection accounts being reported on my Equifax credit file. The frustrating part about all this is that Equifax only list the name of the collection agency on my credit report- they do not list the companies address or my account number that is tied to the debts- I sent a letter to one of the collection agencies and they said they could not find an account with my name/address in their system. 

The following account that do not belong to me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my official notice of Dispute. I am a consumer and I am concerned that this account Radius Global Solution may be an infringement upon my rights to privacy. I have never provided any direct consent to furnish this account to any consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX Date : XX/XX/year> JPMorgan Chase Bank Customer Service Department XXXX XXXX XXXX XXXX, DE XXXX Subject : Formal Complaint and Request for Removal of Incorrect Charge-Off Reporting Account Number : XXXX Amount Charged Off : {$24000.00} To Whom It May Concern, I am writing to formally dispute the charge-off reporting on my credit report related to my JPMorgan Chase credit card account with account number XXXX. The amount charged off was {$24000.00}, and it is still being reported to the credit bureaus despite being improperly handled. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines. 

Per my understanding, JPMorgan Chase charged off this account and may have sold or transferred it to a third-party collection agency, meaning Chase no longer has a right to continue reporting this debt as a charge-off on my credit report. Reporting an account that no longer belongs to your institution is inaccurate and unfairly impacts my creditworthiness.

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. Inaccuracies or outdated information must be removed or corrected. In this case, continuing to report this charge-off is both incorrect and misleading. 

I kindly request that you take the following actions : Immediately delete the charge-off information for the above account from all major credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 

Provide me with written confirmation that this inaccurate reporting has been removed. 
Failure to address this matter in a timely and accurate manner may result in further action, including filing a formal complaint with the CFPB and seeking legal assistance to ensure my rights are protected under the FCRA. 

I appreciate your prompt attention to this matter and expect a resolution within 30 days. I have enclosed a copy of my credit report showing the incorrect charge-off for your reference. 

Please contact me at XXXX or XXXX to confirm receipt of this complaint and provide an update on the resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you
Product: Checking or savings account

I deposited a " SECURE '' Payroll check to my checking account with WELLS FARGO on XX/XX/XXXX, expecting it to be cleared the next day. I called the XXXX # on XX/XX/XXXX to find out why I see a hold on the check. They told me the problem with with the issuer of the check. It is a " Secured '' Payroll check, not sure the problem. They told me the funds would be released on XX/XX/XXXX. On XX/XX/XXXX I went to my local branch, the Manager told me it was because of too many overdrafts. XX/XX/XXXX - I received a letter dated XX/XX/XXXX stating my check is on hold because " You Need to Refer to Maker of Check ''. XX/XX/XXXX the maker of the check to the letter and a copy of this check to his bank and they stated that it cleared!! The maker of the check then went to Wells Fargo with the letter and the check along with the notice from the bank that it had cleared. 

Whatever the reason is, it was not made clear to me. I will attach my bank statements with overdrafts caused by checks being held AND I received overdraft fees AFTER deposits were made to cover by end of day. I also have the letter received from the bank stating " You Need To Refer To maker Of Check '' which I did. 

My business account currently has a hold on a regular check in the amount of {$4000.00} and the letter stated " Signature on check is irregular ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.
Product: Vehicle loan or lease

Hello. I recently turned in a 2016 XXXX XXXX to the XXXX XXXX XXXX dealer in XXXX Florida after I completed my lease. I made my final payment in XXXX and on XX/XX/XXXX a day before my lease was due to be turned in I went into the dealership and the keys were given to one of the sales guys that sold a vehicle to us the weekend prior. He assured me that the keys were going to be turned into the person responsible for the lease returns. I get a call from GM Financial two weeks which is the finance company for the car on XX/XX/XXXX asking me where the car was. I told them that I had left the car at dealership as per contractual agreements. Apparently the dealership had not done their due diligence and did not do as they were supposed to. I received a letter from GM Financial this week stating that my car was repod and therefore it will get sold at auction and I'm going to be responsible for whatever fees and payments come about that. The car was repod from the dealership and I don't understand how this is any fault of mine. I find that unlawful as I turned over the lease as I was supposed to and the dealership should be responsible for any fees. They didn't even record the car the day that I turned it in. They're saying that they have XX/XX/XXXX as the date that I turned in the car. I should have nothing to do with that. I didn't receive any type of notification other than that call from GM Financial on XX/XX/XXXX that my car had not been turned in. The dealership is giving me the run around but GM Financial is stating that they will proceed with the steps to take after a car is repod. Do you have any advise for me?
Product: Money transfer, virtual currency, or money service

Block , Inc . due to inadequate customer service and unfair practices which violates The Consumer Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account venerable and unprotected.

Furthermore, their dispute resolution process, was unfair and deceptive as they did not comply with dispute resolutions requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

COINBASEs transfer to a FRAUD SCAM Brokers : XXXX XXXX I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX AUD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE. 
COINBASE 's response was to TOTALLY IGNORE their responsibility. It is obvious COINBASE is an ACCOMPLICE to the crime due to the fact that they have provided the fraudulent company with their service without hesitation or even a propel KYC procedure to check the identity of the recipient of the money, instead, they state that they have no affiliation with them, a person assisting a thief is a THIEF THEMSELVES!
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX, XXXX and TransUnion credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. : 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 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 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 XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A scammer pretending to be XXXX XXXX ( gave me phone numbers, employee id number, ... ) told me that they were having trouble opening the account I requested. When I told them I had not tried to open an account, they had enough information on me to convince me they did - name/address ( likely from a compromised credit card from about a week prior that had been cancelled ). The scammer caught me at a bad personal time- my cousin had just passed and my father was in and out of the XXXX, so I took their word and did not hang up the phone to check the phone number and employee id. They told me they could help me fix this by following certain prompts on my phone. They told me I was putting through codes and it was not transferring money and for 3 days the process continued- they would call me and tell me what to put into my phone that was either going through XXXX  or XXXX XXXX  from my TD account. On the 4th day, I saw that the money was coming out. 
I went to the police and the detective was able to confirm what I was telling was true as he spoke to one of the few numbers I had been in touch with before they realized who he was. 
This is clearly a scam, and I have lost my son 's spring college tuition. As a single mother, this is particularly difficult. The TD bank " investigation '' says I moved the money and they continue to maintain that I am at fault. I have never gone to the police before and I just want what is rightfully mine. Banks are insured and their should be some help available when the police can verify my story. 
The transaction dates are as follows : XX/XX/XXXX - XXXX {$730.00}, XX/XX/XXXX - {$2500.00} XXXX XXXX, {$1000.00} XXXX XXXX, XX/XX/XXXX - {$900.00} XXXX XXXX, XX/XX/XXXX - {$500.00} XXXX XXXXh, XXXX XXXX s- XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX - {$660.00} XXXX XXXXXXXX, XX/XX/XXXX - {$410.00} XXXX XXXX  XX/XX/XXXX - {$330.00} XXXX XXXX, XX/XX/XXXX - {$290.00} XXXX XXXXXXXX, XX/XX/XXXX - {$280.00} XXXX XXXXXXXX, XX/XX/XXXX - {$220.00} XXXX XXXXXXXX, XX/XX/XXXX - {$200.00} XXXX XXXX The total taken by the scammer is consider XXXX XXXX  : {$9800.00} via XXXX XXXX and {$730.00} via XXXX. 
I have shared all police reports which include confirmation by Detective XXXX of the scammers process and I don't believe that TD is reading them, they just see I transferred the money. 

For reference the incident was reported with the XXXX XXXX ( NY ) Police. The case number is XXXX, XXXX XXXX : XXXX