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

In my understanding, there is only one credit bureau in XXXX XXXX, which is the CFPB. The other entities, such as Equifax, XXXX, and XXXX, are classified as credit agencies rather than credit bureaus. The CFPB is responsible for overseeing these agencies to ensure compliance and to rectify human errors, unethical practices, and behavioral issues. Equifax has been deliberately reporting inaccurate information, along with XXXX Student Loaner, regarding a debt that was fully paid and closed three years ago, specifically in XX/XX/XXXX. I have attached proof to this complaint. How can these fraudulent agencies reopen a purported debt and report recent activity on an account that was already paid and closed, particularly when this false reporting occurred on XX/XX/XXXX? This appears to be an attempt to reactivate a fraudulent account. Who authorized them to engage in such unethical behavior? 
These credit agencies purposes is to acquire Public Information. This is something I could do on my own if I wanted to acquire Public Information about my own personal information.

It is illegal for any company or creditor to report information on my consumer credit report without my written consent. I have never given written consent for such egregious actions or for the continued reporting of inaccurate information to any agencies or creditors. This constitutes a severe form of identity theft, as outlined in 15 U.S.C. 1861B regarding permissible purposes.
Product: Credit card or prepaid card

on XX/XX/2022 made a payment of {$170.00} to the credit card company the same payments been made every month for 5 years.Called them on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX nothing no explanation were the money went i have a confirmation number and a trace number from my bank that said they recived it
Product: Debt collection

In my understanding, FCRA 605B mandates the deletion of any erroneous accounts from my credit report. Could you verify the documentation? A few of the mentioned accounts appear to be inaccurate, causing me unease.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and is a violation of my right to privacy because I didnt give them permission to report it publicly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's few unauthorized inquiries on my XXXX XXXX Credit report. I have " NOT '' authorized nor have " ANY '' knowledge of how they are on my report. It's only ( XXXX XXXX ) They're hereby reported as Fraudulent, and needs to be deleted, and to update report. Thank you much! 

The dates and bureau listed : Navy Federal Credit Union XX/XX/XXXX XX/XX/XXXX
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 again, I need the accounts must be verified in my credit report. 
here are the aforementioned accounts XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00XXXX XXXX XXXX  XXXX Balance : {$4100.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I went to my bank and wired {$20000.00} to XXXX XXXX merchant into his bank account. He claimed to have owned real estate. He started by asking me for smaller amounts which he paid back with interest. After he had learned that he had con me into trusting him, he asked that I should wire him {$20000.00} to use purchase some real estate. At first I hesitated but he persuaded me to wire him the money that he will pay back with interest. Immediately I wired the money to his account he disappeared. I later found that that the home which he claimed was his house belongs to a lady who was housing him at the time. I reached out to my bank to help me recover my money and since then nothing has been done. I have been so pained and emotionally distressed because of this situation.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} Paid/Closed Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Closed/collection account XX/XX/XXXX Credit financial network XXXX {$410.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX. 

XXXX {$1400.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Collection account XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1400.00} Open account XX/XX/XXXX XXXX XXXX XXXX {$390.00} Closed account XX/XX/XXXX XXXX XXXX XXXX {$380.00} Closed XXXX XXXX, XXXX XXXX XXXX XXXX {$570.00} Open account XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$410.00} Open account XX/XX/XXXX XXXX XXXX {$1400.00} Open account XX/XX/XXXX 2023
Product: Credit reporting

They have me working at XXXX, which I do not that was where my husband worked, also I have never lived on XXXX XXXX in XXXX XXXX fl. I shared a XXXX card acct with a friend and she lives at that address. Since that acct has been closed and a new acct opened in my name. Please check with the usps and you will be able to verify that is not my address. and irs can confirm that I do not work at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Credit Bureau : Equifax Account Name : Unkown Account No : XXXX Account Balance : {$140.00} Credit Bureau : Equifax Account Name : Unknown Account No : XXXX Account Balance : {$200.00} Furthermore, Equifax is reporting a derogatory account that has not been validated by Equifax in a timely manner and the other bureaus XXXX and XXXX have already removed this account from my reports and Equifax has failed to do so. They need to comply.
Product: Credit reporting or other personal consumer reports

( Account # XXXX ), was charged off on the ( XXXX, XXXX ). Since then the account has repeatedly continued to update as charge off every month which is an update in payment history. A charge off shouldnt include an active payment history. This false information manipulates the statute of limitations. You failed to investigate this information properly and your neglect has violated my rights. Am demanding a deletion of the following account. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX XXXX. {$12000.00}, XXXXXXXX XXXX Bal. {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Harbor Loans in XXXX, La is running a hard inquiry on my name and social security number over four times without my permission. This is illegal.
Product: Checking or savings account

On XX/XX/year>, I received a hardship loan from XXXX in the amount of {$5000.00}, which was deposited into my XXXX banking account. This loan was crucial, as I was facing homelessness and had been a victim of XXXX  XXXX for a 2nd time within the last year. After paying some necessary bills, I attempted to transfer {$3700.00} into my XXXX account for moving expenses. Unfortunately, in my haste, I mistakenly transferred the funds to an external Navy Federal Credit Union savings account instead. 

Realizing my mistake a few hours later, I immediately contacted XXXX and Navy Federal Credit Union. During a conference call with representatives from both institutions, a Navy Federal representative confirmed that savings account was closed and had no balance owed. I was assured that if the transfer was not automatically rejected by the Federal Reserve, Navy Federal would return the funds to my account. 

However, on XX/XX/year>, upon following up with Navy Federal, I was informed that my funds had been dispersed among three different accounts instead of being returned. I visited a branch that same day and spoke with the assistant branch manager, who contacted internal departments. I explained that I was unaware of the outstanding credit card balance being that high, and that I had reported fraud and identity theft to the credit bureau, and that the funds were essential for securing housing. She managed to arrange for an adjustment of {$930.00}, which was far less than what was wrongfully taken. 

On XX/XX/year>, I returned to the branch and spoke with the branch manager, who escalated the issue to a collections department manager. I was then informed that Navy Federal was only willing to return {$2000.00}, with no guarantee of even that amount being provided as it was at the discretion of the collections Manager. 

Through further investigation, I discovered that, although the funds were originally sent to a savings account, since that account was closed, the funds were rerouted into an active Navy Federal checking account, that I was not even aware was still opened. Despite presenting this information to the branch manager, he insisted the funds did not go into the closed account but did acknowledge the funds were sent into a checking account for Navy Federal to distribute towards a credit card, and two other accounts they claimed had balances although no proof was provided. 

I believe that Navy Federal Credit Union acted irresponsibly and unethically by : 1. Failing to return my funds despite knowing the receiving account was closed. 
2. Dispersing my money into multiple accounts instead of refunding it. 
3. Providing inconsistent responses and withholding full transparency regarding the status of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately FTC report number is : XXXX Accounts are listed in the FTC.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit card or prepaid card

To : Chase Ultimate Rewards Phone # : XXXX Date : XX/XX/2021 Call start time : XXXX Call end time : XXXX Reason for call : Redeem XXXX XXXX credit issued from flight cancellation due to COVID with a balance of {$58.00} Representative Name : XXXX from XXXX Call Center Description : I was trying to book a last-minute flight using credits from a previously canceled flight due to COVID. At the beginning of the call, XXXX warned me that the process would take about an hour and I agreed. I was then placed on hold for the remainder of the call, where XXXX would jump back on the call every 2-3 minutes to check that I was still there. At the hour mark, there was little to no progress of booking the flight. 3 weeks prior, I booked an Alaska flight using credits also issued by Chase Ultimate Rewards, the entire phone call took around 45 minutes. 

Frustrated, I asked what was taking so long and felt as if I was being pulled around and abused. I first kindly asked for XXXX 's agent #, which he refused to give. 

On the official XXXX website, I found a flight that I wanted to purchase for a price of {$360.00}. Before going further with XXXX, I asked him if I could get the price of that same flight if I were to book it through Chase. He gave me an inappropriate total of {$1500.00}. 

Then, I requested to speak to the manager and explain my frustrations with XXXX and the company 's tactics, as if they are trying to prevent consumers from utilizing credit that was awarded by the airline company. 

I was then put on hold once again to be transferred to the manager. After 1 minute, the phone call was disconnected on me.
Product: Credit card

My Bank of America card set up for Automatic payments on the XXXX of every month of {$100.00}. From XXXX - XXXX of 2015, I have been charged Late Fee. I contacted their customer service and they indicated I was a day late every month. I tried to explain that would make me 29 days early every month. 
The customer service rep told me " NO '', I was late every month and being charge a late fee. These late fees of {$25.00} - {$37.00} for 6 months should be refunded to me.
Product: Checking or savings account

I started a new job on XX/XX/XXXX. I received my 1st paycheck from them on XX/XX/XXXX. Since CitiBank wouldn't verify my acct belonged to me. XXXX had to cut me a live check ( paper check ). I received the check via snail mail on XX/XX/XXXX, in which I deposited in the ATM. The net pay was {$1600.00}. After depositing the check I saw that none of the funds weren't available so I tried to cancel the ATM deposit. The check was cut from XXXX XXXX I was just going to cash it at a Branch on Sunday XX/XX/XXXX. The ATM wouldn't return the check. Which what brings me to CFPB. 

I called CitiBank at around XXXX XXXX CST and spoke with a XXXX ( Supervisor ) Employee ID XXXX contact number XXXX. I explained that I've been a customer of CitiBank since XXXX and that I never had this issue and I needed the funds to be available within the next day. Being as XXXX in 1 week away. She was very nasty, unemphatic, and sarcastic. Basically, she stated that she will not release the funds no sooner than 3 days. I asked her on what basis do they base it on. She stated a multiple of things. I said like what she stated NSFs and negative balances. I stated sweetie I haven't had an NSF or negative balance. I explained that this acct ending in # XXXX was open in XXXX due to Citibank 's error. I told her that the NSFs on that acct is because of them. She disregarded that. I asked her to speak to her supervisor. At 1st she refused then stated that he's on another call. When I threaten to file a complaint on her she basically was very nonchalant. I asked her to verify the funds with XXXX and she stated she couldn't but the branch I deposited to could. I have a banking background the only department that can verify the funds us back office. 

Please review the screenshots that are attached. Clearly, it's a payroll check. Offer letter attached along with the actual check stub and it says my bank acct is still pending. Had CitiBank verification department verified within 2 weeks I wouldn't even be going through this, because I would've had a direct deposit. 

This bank is full of it I believe they notated something on my acct because I reported them to you guys before.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three  credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Aldous and Associates, a law firm in XXXX, Utah contacted me regarding a missed payment to XXXX XXXX. When I talked to them initially, I was n't aware of the missed payment so I told them that I wanted to verify this myself with my local Gym. I was told that I should n't contact XXXX and that if I did n't pay that day, I would owe even more the next time they called. I went to the Gym and paid the missed payment. The Gym even acknowledged that they should have contacted me about the missed payment but had not done so. The next day I got another call which I answered and was treated horribly by a supervisor named XXXX. He threatened me, told me to shut up, yelled at me and was generally rude. I tried to explain to him that I had paid the bill directly with Golds. He hung up on me XXXX times as I tried to explain to him the situation. He told me that he instructed me not to do that and I better pay right away. My husband called to object to the rude phone calls and asked them to stop calling. I continue to get daily phone calls from these people even though I have paid the bill.
Product: Credit card or prepaid card

Had a credit card using a savings account as collateral. The fees on the card and interest were so high I couldnt get it paid down. I eventually closed the card and used my savings account and then some to pay it off. It was supposed to help me build credit but nothing happened there
Product: Vehicle loan or lease

Last XXXX, XXXX, we received a letter from US Bank that our loan for a XXXX XXXX XXXX XXXX was paid off. My wife and I had not paid off the loan and spent many hours and phone calls notifying them this was a mistake or fraud. After many hours trying to straighten it out, they said they applied a loan payment to our loan from someone else on accident and that it had been fixed. Turns out it had not been fixed. 
Recently, XX/XX/XXXX, we decided to sell the trailer. After finding a buyer and taking a deposit to hold the trailer until title release, I took a cashiers check from XXXX XXXX to US bank to pay off the loan. The amount was {$20000.00}. That was on XX/XX/XXXX. They said they could not process the loan payment in branch or enter it into the computer. They gave me a handwritten receipt. After 8 days, the loan had not been paid off and the title had not been released. The branch manager notified me things were taking longer because of Covid issues. On Friday, XX/XX/XXXX, we spoke again and she said that their lean had been released to my wife and I accidentally in XX/XX/XXXX. I did not believe them and was very concerned because of what had taken place in XX/XX/XXXX with the false payment. I called a DMV registration services business and gave them the VIN #. US Bank had given lienholder status to the fraudulent company from the previous year and returned their false payment back to them in addition. We have been making loan payments to US Bank for 9  months and they had turned over lienholder status to a company named XXXX XXXX XXXX somewhere in the east coast back in XX/XX/XXXX. I called them and told them about the mistake but can not get any answers from them at this point. I do not know how to right this ship or get my title from them at this point. Needless to say, I am very angry.