23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have met and connected to XXXX XXXX  options people via Social media, they contacted me and gave the promotion to the business. At one point, I decided to do an investment with a very small amount and showed the profit as very large for a two -week trade. To get the Profit only scammed because i am non XXXX XXXX  and am not aware of these trading process in US before, to get the Profit, they are asking me to pay the Money for Tax, IRS, FBI, IBPC, Treasury, Late fees and all in legal terms. To avoid anything to my Visa I have paid requested Money. Later myself able to find one of contacted Person contact info on Scam case and that phone number blocked my contact as well. Then i have contacted the FTC to file a compliant and working with Bank on my claims, which never i received any positive feed back yet. 

As am here to Work on US to full fill my dream of building an Home back in XXXX XXXX. I have been counting each dollar and that investment promotion gave me some greedy mind to reach to my dream earliest as it was all legal. After that lost of this much amount of money, i have struggled mentally as i can not shared the story to any one of my friends or family members. Lost of money affected my XXXX  XXXX expenses, i have to take loans to meet some of my expenditure. It was affected badly interims of Money, health, happiness in my life, it is painful chapter and i pleaded to get a light to remove the pain. I would not do anything like in future and i will try to prevent the people who am aware of this, if they try to do.
Product: Consumer Loan

I bought a vehicle long time ago in XX/XX/XXXX I was almost payed off in XX/XX/XXXX until it was illegally towed away by a tow truck company, and my car was not repoed by current car company. The car was resold, and any debt incurred should be billed to towing company who stole the vehicle from me years ago. This was a loss to me, and my insurance company could not help me. Police was involved, and as the XXXX vet they just allowed it, and I had to get a lift from the cops just to get home way across town, and it was barely 30 days after I graduated from college where I was still on food stamps. This was a damage as well as a loss I am not responsible for.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX  - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple credit card illegally reported 4 late payments on my consumer credit report. while under a billing dispute error XXXX 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Apple credit card never mailed any of these statements previously apple stated their policy is electronic statements- unfortunately in regards to the fair care reporting act federal law requires creditors to mail the statement - apple 's credit card policy is just their policy and not federal law under consumer reporting -If an open-end consumer credit plan provides a period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed concerning such portion of the credit extended for the billing cycle of which such period is a part unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made to avoid the imposition of that finance charge Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX  ) transmittal of funds to a creditor in excess of the total balance due on an account, XXXX XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX  ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that i have been a victim of identity theft, my personal information has been used to apply for card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Was notified on XX/XX/2018 that my disputed account # XXXX XXXX XXXX XXXX XXXX XXXX with XXXX was going to be deleted from my credit report by the request of the creditor. Received a letter from creditor stating that they could not verify late payments to this account, and they sent me a snapshot of my account being paid in full with no record of late payments ever. Have sent numerous disputes to all 3 credit bureaus and to XXXX about the deletion of the account from my credit reports, but the account remains on all credit reports, and is negatively effecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On credit carma it told me i was pre approved for two credit cards. So i filled out for both of them. I was not accepted to either one and it put inquiries on my report which made my credit score drop. I only filled it out because ive never had a credit card before and it said it would raise my score if i got one but it made it worse.
Product: Checking or savings account

I visited the XXXX XXXX XXXX in XXXX, FL on XX/XX/2024 and tried to withdraw cash in the amount of {$300.00} from one of their ATMs. However, the ATM never dispensed any cash and displayed the message " card not accepted '', and my checking account was still charged. I contacted XXXX ( XX/XX/2024 ), the ATM vendor, and they advised me to file a Regulation Type E dispute with my bank, Sofi Bank, so that I would get my money refunded by Sofi right away, while Sofi conducted their investigation into the dispute. When I called Sofi Bank ( XX/XX/2024 ), they told me that they were unable to file a Regulation Type E dispute and that they could not refund my money right away. I have followed up with Sofi Bank twice in the last 48 hours for an update and each time they have told me I have to wait 10 business days just to receive an update via email on my dispute status. This has been extremely frustrating, as I have no indication on how long this dispute resolution could take take, and for the fact that my money was wrongfully taken from me. I am extremely dissatisfied with Sofi Bank 's service and would advise people against banking with them if they are considering it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many years of nearly perfect credit scores. I found out that m y FICA score took a big hit from Barclays credit card. Barclays r eported that I had this card for 20 years. I have never had this card, did not use this card and never wanted it. They said they reported my failure to pay a {$49.00} annual fee.. I never agreed to this. This appears to be fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Credit card or prepaid card

In XX/XX/2018, I opened a credit card account with Bank of America. My application was in their process for over three weeks until it was approved. I paid my bill on time each and every month. Untill recently I tired to use my card to purchase some gas and it was declined. I called the company the next day, only to learn that my credit card account was closed XX/XX/2018. They told me their risk team closed my account because of my recent credit report score drop. I told the risk team that it was a mistake on this company reporting me as late when I paid them and they misplaced my payment in a savings account instead of on my credit card bill. Then their system automatically reported me as 30 days late when I was not even late. Then I find out in the mist of trying to fix one problem. Bank of America closes my credit card account off of one negative remark on my credit report. This is unfair, because risk management told me I can reapply again. I do not want to keep adding inquiries to my credit report. This new closed account affects my credit negatively also and takes away from my number of revolving accounts and my credit percentage rate. This has had affects on me emotionally and caused me financial damage.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

Call the company to dispute an account. They claimed there was nothing they could do and they would send a form. Have not received the form.
Product: Debt collection

XX/XX/XXXX - Received an email from XXXX XXXX about a XXXX bill owed from XX/XX/XXXX, and was charged off XX/XX/XXXX. 
XX/XX/XXXX - I sent them a letter asking them to verify this debt, and if they could not then they would reimburse me for any money I spent through correspondence via certified mail, which they received on XX/XX/XXXX. 
XX/XX/XXXX - I sent them another letter because they had not responded but later realized they responded on XX/XX/XXXX, which I did not receive until XX/XX/XXXX. The verification they sent was from a XXXX bill dated XX/XX/XXXX, that stated {$0.00} for total current charges, addressed to a name that is not mine, and an address that is not mine. 
XX/XX/XXXX - I sent a letter of default and an affidavit because they failed to verify their claim that this was a debt that I owed. 
XX/XX/XXXX, & XX/XX/XXXX - I received correspondence that they claimed my response was duplicative and that if I had further questions I could write them again. 
XX/XX/XXXX - I sent them a cease and desist letter telling them to stop all communications with me due to their lack of claim against me. 
XX/XX/XXXX - I received the exact same letter as I did on XX/XX/XXXX, and XX/XX/XXXX, except this time said if I do not answer they will send this account to active collection against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express, XXXX XXXX XXXX, and XXXX are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, AMEX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  CARD XXXX For the record, many different names were used to created fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. XXXX 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX EQUIFAX : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7XXXX XXXX 8. XXXX 9. XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of all XXXX  of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Vehicle loan or lease

On XX/XX/2016 I purchased a used XXXX 2016 from XXXX of XXXX ( XXXX XXXX XXXX XXXX Il XXXX ) and financed by GM Financial. The car price was {$9200.00} the APR was 9.90 % and the terms were 71-months. I have been aggressively sending payment above my minimum payment. As of today, I believe that my total balance should be {$0.00} but GM Financial Statements keep showing a balance of {$1000.00}. I have communicated with GM Financial about this issue and they have not made any adjustments. I have proof of payment and any additional information you need to help me clear this problem with the lender.
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are currently two incomplete accounts being reported by the consumer reporting agencies. I am not pleased with the effects that these current inaccurate accounts have had on the growth of my FICO score. These accounts, as it stands, are currently out of compliance with the Fair Credit Reporting Act. I am ensuring compliance regarding my request for a reinvestigation through the CFPB.
Product: Credit reporting

Landlord cash my last check before I broke my lease and still put my account in collection spoke with collection agency who does n't want to remove this from my credit.
Product: Checking or savings account

I signed up for {$200.00} promotion with direct deposit. I completed the requirements and told I would get the bonus shortly even though it had passed the stated timeframe to pay. I still have not received the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. XXXX ( XXXX ) DOB XX/XX/XXXX SS XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

I reported an disputed transaction on mt Chase account, unrecognized charges, so one was with XXXX XXXX, they faulted on it, then gave the credit back to chase, I then go pull of the credit an then they reversal the credits back an now my account is in the negative XXXX, not only with chase but XXXX XXXX  is still wanted to collect on their balance of XXXX dollars that sent the credits back to chase based on consumer laws, something dont seem right to me, I reported to the chase executive office didn't receive much helped their. based 15 USC 1681 a/3 I have the right have accuracy on my account an including XXXX  XXXX USC i have obligations an other security on my account, The CFPB States something about permissible purposes, they didnt give no validation of debts.