23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" I am filing a complaint regarding inaccurate information being reported by multiple financial institutions on my Experian credit report. Despite submitting clear evidence proving the inaccuracies in the reported payment histories and account details, the reporting agency did not conduct a thorough investigation and left the incorrect information unchanged. Below are the specific issues with each institution : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( Status Updated XX/XX/XXXX ) The reporting reflects incorrect payment information, specifically showing missed payments in XXXX and XXXX of XXXX. I provided evidence demonstrating that these payments were made, yet the information has not been corrected after the reinvestigation. This has negatively impacted my credit score. 
XXXX XXXX Account # XXXX Account Number : XXXX Status : Open/Never late ( Status Updated XX/XX/XXXX ) This account appears to be accurate. 
XXXX XXXX Account # XXXX Account Number : XXXX Status : Paid, Closed. {$1100.00} written off ( Status Updated XX/XX/XXXX ) This account continues to report as charged off with multiple past-due entries from XX/XX/XXXX through XX/XX/XXXX, despite the fact that I provided clear evidence disputing these charges. Experian has failed to correct this after reinvestigation, and I request that the CFPB intervene to ensure the correct information is reflected. 
XXXX XXXX  ( XXXX ) Account Number : XXXX Status : Closed. {$370.00} written off. 
XXXX XXXX  is continuously reporting a charge every month, which unnecessarily refreshes my credit report and negatively impacts my credit score. This repetitive reporting increases my credit utilization and does not accurately represent the current status of my account. Despite submitting a dispute with clear evidence, the issue remains unresolved. 
These inaccuracies have significantly affected my credit score, and I request the Consumer Financial Protection Bureau ( CFPB ) to intervene. I have attached the updated credit report from Experian along with the supporting documentation for each disputed item. Please help ensure these institutions correct their reporting and update my credit file accordingly. ''
Product: Money transfers

I purchased a money order from Western Union in XXXX XXXX # XXXX. The money order was never used and is still complete and unsigned. The money order number is XXXX and I do n't have the purchase date. The amount of the money order is XXXX ( XXXX Dollars ) but Western Union Services says they will only cash the money order back in for XXXX ( XXXX Dollars ). I feel this is illegal as the original amount spent on this money order was XXXX ( XXXX Dollars ).
Product: Credit reporting or other personal consumer reports

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 In accordance with the Fair Credit Reporting Act the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
The account below 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. 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 ) ( a ) A person that 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 innacurate.

PLEASE DELETE THE ACCOUNT BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX  XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX  XXXX XXXX {$51.00} 7 ) XXXX XXXX  {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX   {$550.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX {$5000.00}
Product: Credit reporting or other personal consumer reports

Good day, agent. I heard back from XXXX, Equifax and XXXX as they have finished their reinvestigations. ALL THREE verified my account as accurate with some modifications they made. I am in total disagreement with these finding. This account CAN NOT be verified as accurate if all three conducted " accurate verifed '' results that do not match one another. It's so bad that XXXX 's reinvestigation changed my charge off date to XX/XX/XXXX, which is the date I paid off the charge off, the other XXXX bureaus reported charge off XXXX not XXXX, mismatching info! Again reporting my account inaccurately and hurting my consumer report. Equifax has my first delinquency reported as XX/XX/XXXX, the other XXXX says it's XX/XX/XXXX ( which is odd because XXXX also has my account closed as of XX/XX/XXXX which contradicts them saying my account was open and ok until XX/XX/XXXX ). Mismatching and contradicting info! Date opened info is inaccurate among them XXXX, as well as : Date last paid, date last active, highest credit balance and Equifax reporting me as Derogatory when TU & Exp has as paid. All mismatching information. I provided updated documents to verify this, as my updated, supposed, " accurately verified '' consumer reports is not accurate nor verified. 

You all truly failed to reinvestigate this account properly and your utter neglect has violated my rights! I am requesting all the information and data the bureaus gathered to " verify '' my account. I also want an updated consumer report as well. I demand this account to be completely removed from my consumer report. For years this inaccurate reporting has caused my family and I to lose out on thousands upon thousands, missed opportunities and lowering my quality of life!

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation 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 furnishers of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item from my report, immediately : XXXX XXXX. Thank you, take care.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting alerted me to a new Collections account filed from Mountain Land in the amount of {$190.00} with an original date of XX/XX/2017. At that date, I had just turned XXXX years old for 3 days and could not have accumulated this debt. 

I have no records showing an amount of {$190.00} I had no credit accounts at that time. 
I have received no letter from Mountain Land. 

What I believe happened is that my name was mixed up with that of my disabled/debt-owed father. This debt is not mine and impacts my ability to gain credit for student loans and rentals.
Product: Checking or savings account

on XX/XX/20 I called Bank of America to close a savings acct instead the rep closed my checking which had my rent money, the payment was rejected and I was charged a late fee and the bounce check fee. 
I called regarding this matter as soon as I found out what happend explained everything to the rep who answered my call, I was asked to call again during the week which I did, my acct is opened now however my fees aren't refunded which is the least I expect them to do since it was the employee who cause this and not me.
Product: Checking or savings account

I opened two accounts with American Express National Bank, one for a high yield savings account and the other for a CD. I sent in the deposit slips by mail, and because I was uncertain which slip went to which account I wrote on each check where I wished it to go. On the {$20000.00} check I wrote on bottom left high yield savings and on the {$3000.00} check I wrote CD account. Recently I received a letter listing the CD as having {$20000.00}, and I also learned the high yield savings had {$3000.00}, which was the opposite of what I intended. I called last week and was told that the accounts would be switched and I should call the next day. I called the next day and was told they are working on it and I should call early next week to confirm the transaction. I called early the next week as instructed, and was told that the banking operation team determined it was not a banking error. I asked to speak with a team member and was told they can not be reached by the public. I went through several supervisors and received the same robotic answer - it is not a banking error. I was also told that if I wanted my {$20000.00} switched to the high yield account or sent back to me that I would have to pay {$780.00} in penalty ( 540 days of interest ). I asked why they had not called me when they saw the discrepancy and was told again the banking team determined they were not at fault. I believe the deposit slips are very deceiving, and since they look identical it would be easy to confuse which went where. I asked to have the slips sent to me so that I could see how the bank decided they were not at fault, and again I was put on hold, then was told it would have to be approved and I could contact them in 7 to 10 days to see if it was.

I am XXXX  years old and in no way wish to tie up {$20000.00} of my savings in a 5 year CD. I believe they took advantage of a situation and now have my money although I clearly marked where the checks were to go. XXXX XXXX XXXX XXXX has only one phone number and the people who answer are obviously trained how to field complaints, how to put one on hold, and how to defer giving answers. This bank seems impersonal, deceptive and difficult to deal with.
Product: Student loan

I have been paying my private student loan since 2011 at about {$600.00} a month. My private student loan is still the same amount, since I left college ( {$120000.00} ) because I have only been paying the interest down. My loan payment is soon going to increase to over {$1000.00} a month and I can not afford that option. I am also interested at going back to school so I can make more money to pay this student loan down, however I do not have the option to put the loan on deferment.
Product: Debt collection

This company has called me 5 times in the past 2 days, twice at my office number. I have not received any information via mail with a debt that I owe and feel that the debt collector is harassing me by contacting me at my place of employment and threatening to go to my Human Resources department. They contact me at XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX at my place of employment, XXXX on XXXX, XXXX on XXXX at my place of employment, XXXX on XXXX at my place of employment.
Product: Student loan

False Certification - Ability To Benefit Application - Denied - XX/XX/2019
Product: Debt or credit management

Without prior communications, my account was transferred from XXXX to this " company '' Unfortunately, this company deems harassment and overstep as " acceptable practices ''. They have acknowledged and admitted to manually dialing my number and attempting contact in excess of XXXX within a XXXX window. 

I personally find this horribly disrespectful & an unacceptable business practice. The number I've been provided in their " replies '' does not put me in contact with the department making the letter. 

Additional intervention should be considered by the CPFB given this company 's elective decisions to disregard the rights and protections consumers have
Product: Checking or savings account

Hello I had unauthorized ATM withdraws from my savings account using a debit card from different locations of Wells Fargo of {$4100.00}. I called the bank to report this locally and to their fraud dept. They said they could not pull the video to see who withdrew this money and I had to call the police. I called the police and reported the crime. The Police supenoa all the banks the money was taken from. The response from all of the bank locations was that they no longer had the video images! Wells Fargo will still not return my funds. This all happened in the state of Maryland
Product: Credit card

XX/XX/2024 I called my Capital One bank about a Credit Card that was opened upon my account without my consent and my knowledge and also I never applied for it. I asked them to closed it and I filed a fraud report with them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; 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 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. XXXX, XXXX, and Experian are in direct violation of these codes by furnishing and reporting these accounts on my consumer report.
Product: Vehicle loan or lease

We canceled an extended warranty on an RV loan we have with BMO Harris Bank. The dealer sent BMO the check for {$3900.00}. The check was cashed but never applied to our account. After XXXX attempts they can not find the payment.
Product: Credit card

On XX/XX/year> I was charged for XXXX XXXX plane tickets on my GM card by Marcus in the amount of {$360.00} each.. I did not make these charges so I called to file a dispute. I didn't hear from them until XXXX on the dispute and was told they were in fact my charges and they had added them back to my card. I called back requesting copies of their proof it was me. They send me XXXX documents stating the tickets were placed by a XXXX XXXX. I called back and had to redispute. I included the proof they had sent me along with the dispute. I didn't hear back until XXXX and was told they found in my favor for one of the charges but the other two were in fact mine and they were charging my credit card again. I called back and they told me I could keep disputing them. So again I disputed and send the proof they had sent me saying it was me. This week ( XXXX ) I received an email stating they are in fact my charges and that my card has been charged for the remaining two charges of {$360.00}. I am at a loss as to what to do. These are not my charges and I will not pay them. Before I reach out for legal counsel I was advised to contact you folks. I hope you can help me to get this frustrating issue resolved. I have stopped using this card and will close it once this is all resolved.
Product: Debt collection

XX/XX/XXXX I wrote this company and told them I did not give them permission to furnish ANY DATA on my credit report. 

They response " The consumer states Caine & Weiner did not get her permission before reporting on her credit. Caine & Weiner is a debt collector. Our company does not buy debt. The debt is for an automobile policy with XXXX. We collect on behalf of numerous clients, XXXX is our client in this situation. Our records indicate the initial correspondence was sent to the consumer XX/XX/XXXX, to the address provided by our client. Validation was last sent XX/XX/XXXX, to the address provided in the complaint. Validation will be forwarded again on XXXX XXXX XXXX to the address provided in the complaint. The file has been noted as 'Disputed ' in our files and the credit reporting agencies have been contacted to update the file accordingly. This should allow the consumer the opportunity to review the documents and contact our client, XXXX. If the consumer believes the account is invalid we ask that the appropriate paperwork ( fraud report, police report, etc. ) be forwarded to our office. As a XXXX company, Caine & Weiner wants to help consumers in any way possible. We encourage the consumer to call our office at XXXX and ask for a XXXX for further assistance. '' I'VE SENT THEM A CEASE & DESIST LETTER IN XX/XX/XXXX YET THEY IGNORE CONSUMER LAW AND CONTINUE TO CONTACT ME. ANOTHER ILLEGAL VIOLATION!!! THEY WENT AND PUT " DISPUTED '' ON MY CREDIT WHICH IS ANOTHER ILLEGAL ACT. DO NOT PLACE ANY WORDING OR VERBIAGE ON MY CREDIT. REMOVE IT WHILE YOU CONDUCT YOUR INVESTIGATION. MY LAST RESPONSE OR MY ATTORNEYS WILL BE INVOLVED. YOU WILL BE SUBJECTED TO PAY MY ATTORNEY FEES PLUS A FINE OF {$1000.00} PER FINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was removed from credit repoerts and place back on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA and the FDCPA by law, Equifax, XXXX  and XXXX  are supposed to report information accurately on our ( the consumers ) credit file.

I have already sent information to these creditors negating these accounts. It is imperative that the bureaus report information with accuracy, otherwise, they are reporting information that brings defamation to my name. 

XXXX XXXX : XXXX I've sent documentation to have this company prove and verify this account. At the bottom, you will see the documents I sent both of these fraudulent accounts. In addition, the last date of activity is showing three different months. There's no way to have a last date of activity to be three different months. 

XXXX XXXX : XXXX I've sent the save documents to this company as well to prove the information. To make it even worse, the information they're report isn't consistent. The balance reporting on Equifax and XXXX  are two different amounts. 

According to the FCRA and the FDCPA, you are to report factual information. 
Remove these accounts immediately. 

Documents sent to both of these companies for them to prove the debt : - RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Payday loan, title loan, or personal loan

Re : Personal Finance Company I'm currently having hardship and I can not make regular payments for this creditor. I requested not to be contact at work. Person from this company has been harassing me at work, I'm not allowed to take personal phone calls at work. I requested this person not to call me at work and he still does.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX ; XXXX  XXXX XXXX XX/XX/XXXX  XXXX XXXX XX/XX/.