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

Ive just reviewed my credit report and noticed the following inaccurate item ( XXXX ) : XXXX XXXX XXXX This account is listed as being XXXX days late. I have never been late on this account. 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries XXXX days old and add a promotional suppression to my credit file. 

This is a clear violation of my rights under ; 15 U.S CODE 15 1666 15 U.S CODE 15 1681B Please Remove these late payments from my account.
Product: Credit reporting or other personal consumer reports

In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments and an account only charge off once not every month thats inaccurate and grounds for deletion in itself per 15 U.S.C 1681e ( b ) Accuracy of report 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. A charge off reporting every month is in direct violation of the F.C.R.A. Either one of two things are happening you moved the account into charged off status and the IRS has XXXX  the debt deeming it canceled or forgiven which is also considered income and your falsely saying I owe money on the debt or you havent charged it off and you falsely claiming that its been charged off on my report to tarnish my credit report month after month and dont think for XXXX minute that I wont XXXX you for statutory damages for violating my rights please fix it XXXX XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/2018 and a balance of {$4000.00}.
Product: Payday loan, title loan, or personal loan

Tried contacting company in regards to payment arrangement and settlement offer.
Product: Money transfer, virtual currency, or money service

$ XXXX Email : XXXX Someone withdrawn XXXX dollars from my cash card unauthorized it was reported to the place that it happened which also got the police involved who advised me to dispute the charges and this company refused to refund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$93.00}.
Product: Credit card or prepaid card

I disputed these charges as fraud and they are reporting this balance to the credit reporting companies and asking me pay on this every mi th claiming they are investigating but this has been since XXXX thr charges and they are moving very slow if not at all. There needs to be some resolution but they will not provide any when I call or write so here is a formal complaint to see if they will adhere to the consumer law
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Checking or savings account

I had money tooken out of my XXXX XXXX  money account on XXXX XXXX a total of XXXX transactions XXXX XXXX XXXX XXXX XXXX cash app suppose to had refunded my money to my account but XXXX XXXX is stating it never was sent then XXXX XXXX it stating that the money never came from XXXX account on their end but paperwork clearly shows the money being tooken out also they refused to help me by showing me anything after these transactions were removed I also have enclosed proof and highlighted the information I am referring too as well also cash app was the last company to have procession of my money but wont give me any information as to where the money is
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to see my credit report not letting me see it XXXX, XXXX violations they have the police report XXXX item lost stolen have insurance so I went with a new carrier so they don't want to refund the lost or stolen item that the warranty covers b/c I went to a new carrier Experian has 5 inquires and XXXX  that are not mine encloses
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, had 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX  Account Number : XXXX Reason : Account is closed Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately
Product: Vehicle loan or lease

First, I already have a complaint about Citizens One filed through CFPB. The complaint ID is XXXX. I have another complaint about this company. In the original repossession situation, Citizens One told me it would cost {$4900.00} to make my loan current so i could get my vehicle back. This amount accounted for my XXXX auto loan payment of {$1000.00} not posting in their system yet. This was the first week of XXXX and I had already confirmed with my bank that my {$1000.00} payment cleared my checking account already. Fast forward to XX/XX/XXXX, I paid {$3900.00} to make my account current and was able to get my vehicle back. I only paid {$3900.00} because the XXXX payment posted. I then set up auto payment with the company in an effort to prevent a future situation like this in the future. When I auto payment, I was told it wouldnt take effect for 30 days, and I received a letter stating the first auto payment would be XX/XX/XXXX. Because of this, I paid my XXXX payment over the phone on XX/XX/XXXX. I paid {$1000.00}, and my actual note is only {$930.00}. Today, XX/XX/XXXX, Citizens One took {$970.00} ( note plus a late fee ) through auto payment. 

My loan should have been current. I would not have been able to get my vehicle back if it wasnt. This was XXXX. I then paid my XXXX payment which would keep it current. Yet, this company took money from me through there auto pay program a month before they were supposed to. 

I have attached documents. One document dated XX/XX/XXXX says I owed {$5300.00}. This was never the number. The highest it was was roughly {$4900.00}, but I do not have the document stating this amount. I was sent a document by request though, and I believe it was dated XX/XX/XXXX. This XX/XX/XXXX document would have been 3 days before I actually paid what was needed to make the loan current. I paid {$3900.00} over the phone with the repossession service manager. This was the required amount according to her. 

The second document stated the first auto payment would be drafted XX/XX/XXXX and then on he 5th of every month. Yet, they already took a payment when I already payed XXXX payment in the first place. 

I have also include screenshots of my bank statements. 

I feel this company is doing everything they can to put my loan in a default status again so they can repossess it again and double their money at auction.
Product: Checking or savings account

On XXXX I deposited a payroll check onto the USAA mobile app, and all messages stated funds available immediately but once deposited the funds were placed on hold until XXXX. When reaching customer service and trying for over 5 hours to resolve it, they claimed they could not access banking system, and we're unable to find a reason why the funds were placed on hold or why no notice was given. They will not let me take the deposit to another bank and are forcing me to deposit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open account with XXXX and then I read there fees and interest rate. I closed the account immediately and I never use or activated the card. Then they said me emai saying I owe then {$99.00} fee. They told me they were going to take the fee off and never did. I told them I would see them in court. This wrong charging fees for no reason. Now it showed up on my credit report. I would like this to be removed from my credit report.
Product: Checking or savings account

Usaa came by my home to audit a renters insurance claim and never read the police report but came in my home Deny everything I stated in the report with no proof whatsoever in an attempt to deny me due process. They claimed my window could not open and silly things like that. The person ( XXXX ) came in and then asked me for my cell phone text transcripts when it was not required to process my claim whatsoever. They have receipts, a police report, photos and instagram video footage of everything I claimed. They were more concerned about the items I did not claim which made it look like they were trying to build something on purpose discriminately. I want my claim to be treated with respect and to recover the items I reported and not be harassed for reporting it. He also lied on management and on the detectives and on my roomate in an effort trying to profile me and deny me my claim.
Product: Debt collection

Almost every day for the last month or so I have been getting repeat calls from this number or blocked numbers. I was able to verify that I do not own any debt with them. The callers are extremely rude and prone to use foul language. I live in XXXX and they are looking for some XXXX from another state. 

Portfolio recovery associates XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX  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 stat
es a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

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 or other personal consumer reports

These inquiries were unauthorized and want to remove them from my credit report see attached ftc report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act 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 XXXX XXXX .... 

Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 


After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX  Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

XXXX XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX XXXX Pending If our reinvestigation has not resolved your dispute view your options
Product: Credit reporting 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 u.s.c. 1681 Account Name .... 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 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 an account without my written instructions ... 15 u.s.c. 1681 c. ( 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. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I let XXXX know they was in violation of 15 U.S. CODE 1681N ( B ) b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX**** account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Debt collection

I am writing to file a formal complaint against multiple creditors for several violations of consumer protection laws as outlined in 15 U.S. Code 1692e, 1681b ( 2 ), and 1681s2. The violations pertain to false or misleading representations, inaccurate reporting of debt and payments, and responsibilities of furnishers of information to consumer reporting agencies.

The following creditors have engaged in actions that are in direct violation of the aforementioned statutes : XXXX. XXXX XXXX - Charged off the account and continues to report the debt as the lender. 
XXXX. XXXX XXXX - Charged off the account twice, once in XX/XX/XXXX and again in XX/XX/XXXX, while continuing to report the debt as the lender. 
XXXX. XXXX XXXX - Incorrectly reported premium payments as a collection on my credit file, with an inaccurate amount. 
XXXX. XXXX XXXX XXXX XXXX XXXX. -Account are closed but not reported Paid as agreed which still inaccurately reported by XXXX XXXX XXXX XXXX and TransUnion agencies. There are accounts are past the XXXX  years outdated and still being reported.

5. US Education - Failure to update the status of a student loan that has been forgiven, reporting the loan amount but not reflecting the XXXX balance. 

These actions are not only misleading but also detrimental to my credit report and financial standing. Despite providing written instructions and resolving certain accounts, these creditors persist in reporting inaccurate and misleading information. 

I request a thorough investigation into the conduct of these creditors and urge the Consumer Financial Protection Bureau to take appropriate action to rectify these violations. Additionally, I request the correction of my credit reports to accurately reflect the resolved accounts, the forgiven student loan, and the accurate status of each account. 

Enclosed with this letter are relevant documents, including account statements, payment confirmations, and any correspondence exchanged with the aforementioned creditors. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take necessary actions to ensure compliance with consumer protection laws. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I was really taken aback to see incorrect accounts on my credit report this afternoon, and Im clueless about how they got there. I routinely check my report, and everything has been fine, so finding these errors out of the blue left me shocked. I even refreshed my browser, hoping it was a mistake, but the inaccuracies remained. Now, Im asking that my documents be reviewed carefully so that I can have peace of mind moving forward.
Product: Money transfer, virtual currency, or money service

Our company uses Wise.com to pay our international team members. One of our new employees that we tried to set up had there account deactivated. Our employee was not told why and created an appeal as told to by Wise.com. It has been XXXX business days and there is still no resolution or reason as to why their account was deactivated. The appeal was put in XX/XX/2023. I have contacted them several times to see what we can do on our end to push this along but they will not assist as it is not my account. I have asked them what they are doing and how I am to handle this should this happen to a future employee to be told to have the employee contact them. Nothing for the business side of things to help with. The employee has been contacting them on a daily basis only to get told after 23 days to submit another appeal. Still no information or guidance on how to fix the account other than NOT to open a new one as it would be flagged and cause more issues. So we wait. Still waiting with no help what-so-ever. This is very frustrating and will result in us taking our business elsewhere if this is not resolved soon.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX are showing and reporting incorrect information on my credit reports.
Product: Debt collection

XXXX SUCH AND XXXX sought judgement and sale of my home when they have NO RIGHT TO DO SO. I have been fighting this for over XXXX yrs. I was working on a loan modification with XXXX who was the servicer meanwhile JP Morgan Chase who was no longer the servicer continued with the foreclosure with this firm I contacted this firm on numerous occasions stating that Chase had no right to proceed with the foreclosure they then claimed they were working for XXXX then they claimed they were working for Fannie Mae. Meanwhile I have letters from Chase and XXXX stating they were not proceeding with foreclosure since they had no standing with the loan. I sent copies to this law firm they didnt care stated they had judgement and were proceeding with the sale even though THEY HAVE NO RIGHT NO INTEREST IN THE PROPERTY HOW CAN THEY DO THIS
Product: Checking or savings account

How many times that they use my identity to open a bank accounts and then deposit a stolen check they withdraw all my savings then it turned out that I have a credit on that bank accounts and now I couldn't even open a bank accounts because of those that happened before last year 2018.until now I couldn't still open a bank account because of that for using my identity they get on my bank account take all my money then they will borrow money so it will show up that I have a negative account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

My information was used to obtain a credit card that I didnt not file for. 

JPMCB CARD XX/XX/2024 {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX