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

I use the XXXX XXXX to connect with PNC Bank so I can take out money way before my payday comes. Now it wont let me link my pnc bank with the XXXX XXXX  and its making me frustrated because I have {$16.00} to last me 2 weeks now unless it links my bank with the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau Representative, I am writing to formally request, for the second time, that you update my personal information and remove unauthorized inquiries from my credit report. I previously submitted a request on XX/XX/year> yet these inaccuracies remain unresolved. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and the credit bureau is legally required to investigate and correct errors within 30 days. 
These inaccuracies are hindering my ability to purchase a home and are causing me significant distress. As per my rights under federal law, my credit report should accurately reflect my financial history. Your failure to correct this issue in a timely manner constitutes a violation of the FCRA and is negatively impacting my financial opportunities. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially seeking legal action. I am providing supporting documentation again for your reference, and I expect a resolution within the legally required timeframe.
Product: Checking or savings account

On XX/XX/2024 at XXXXXXXX XXXX I pulled into Bank of Texas located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I made a couple of withdrawals from two other non-client accounts using a debit card for both and then made an attempt to deposit those funds ( {$280.00} ) into my XXXX savings account using its debit card. 

I assumed this bank was a shared bank since it allowed me to pull funds from my other non-client accounts. 

However, the ATM at Bank of Texas failed and provided a receipt with XXXX amount on it and a message that an error occurred essentially eating up my money. The {$280.00} cash of all XXXX dollar bills was not deposited as expected nor returned to me. Immediately, I went inside the branch and spoke to a teller. She advised that I would have to contact my bank since I am a non-client. She also pointed out that its says to contact your financial institution on the receipt. The teller informed me that the ATM is managed by a third party and they do not have access to deposits but typically an investigation would be done and a provisional credit. 

So I contacted my bank XXXX to file a dispute. I was later advised that the dispute was denied and to file an appeal which I did and it was also denied. XXXX stated that the Bank of Texas claims there was no oversight or overage which is impossible because their ATM kept my money. XXXX keeps telling me to contact Bank of Texas and vise versa which is extremely frustrating. I have requested documentation and surveillance footage from both banks investigations and have yet to receive anything. The surveillance footage will show that I did in fact deposit the money and it was not returned. The ATM is right beside their drive up window. I have spoken to everyone I could for help including managers and supervisors at both banks to no avail.
Product: Credit reporting or other personal consumer reports

I checked my Equifax Credit Monitoring App and discovered inquiries that were not mine and unauthorized These inquiries were from the following companies : - XXXX, XXXX, inquiry date : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX inquiry XXXX XXXX XX/XX/XXXX -Factual Data, inquiry date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX
Product: Debt collection

I've attached the first credit report this debt was placed. This debt was in collection in XXXX.See attached XXXX  report XX/XX/XXXX, pg 2. 
It was paid in XXXX. Requested receipt from XXXX @ XXXX Never received. See XXXX XX/XX/XXXX, pg 4.

Proof of age of acct. 
XXXX  report XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
Should have fallen off already XXXX XXXX ) Still reporting in XXXX. 
XXXX  XX/XX/XXXX, ( Dispute results attached ; Removed ) XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, ( Dispute results attached ; Removed ) XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX ( Disputing now ) XXXX  XX/XX/XXXX ( Disputing now ) This has been reported 7 times in the last 2 years. Each time Disputed and removed. Each time my score loses points and never recovers even after deleted. This debt is to old and paid off 8 years ago. 
See all attached credit reports.
Product: Vehicle loan or lease

Wells Fargo handled my car loan and my mortgage. when i lost my job of 30 years and took an XXXXXXXX dollar an XXXX paycut i called them to try to get some help. i was denied several times, charged outrageous fees... mistakenly reposessed my XXXX. When i finally sent in paperwork to modify my mortgage they promised to work with me... .told me NOT to pay my mortgage because i had to be overdue to get help. then when i finally heard from them it was FORECLOSURE PAPERWORK!!!! i lost my mind! Over the course of six months they led me on ... .took forever to get back to me ( i saved every email ) then sold my mortgage without telling me. they are awful people and shady business i heard about the law suit and wanted to know what i had to do to be included. I have receipts for all my complaints!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Product: Credit reporting or other personal consumer reports

Equifax has mis handled my credit report resulting in lower score which make its hard to get a car or home it has impacted me in several ways and also since equifax has poorly handled the situation allowing inaccuracies on my credit report violating 15 U.S.code 1692 ( d ) ( 2 ) - causing harm to your reputation via credit report getting denied credit, housing, etc
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX -- -- Unauthorized Inquiry 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 1681c. ( 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

this is a corporate account that belongs to a corporation and account was chargred off and company wrote it off on there taxes and sent out a 1099c. this acount should not be on my credit report this is fraud
Product: Checking or savings account

transactions on the mini summary of the account do not calculate evenly, and the bank teller could not explain the transactions to me. The balance wasnt even on most months
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Commenity Bank on several occasions. There are several fraudulent accounts in my name from this company. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX. I spoke to a representative several months back and told them these are not my accounts and neither myself or my spouse open these accounts. They have removed one of the accounts stating after there investigation this was not mine. They did not address or remove the other accounts. I told them I would press charges and fully cooperate if necessary. My wife and I received harassing phone call daily. Not only is this stressful but aggravating. They have reach to other family members to get in contact with me. These are not my accounts and want the harassment to stop.
Product: Debt collection

Associated credit services is claiming that I owe them {$940.00}, since they say that I owe them this amount, I want to see the original contract bearing my signature. This is not a refusal to pay but I want to see proof that this debt belongs to me, the FCRA allows me by law to ask for this proof, if this proof cant be provided to me, then I want this account closed and deleted. I dont want a breakdown of any payments made or any account statements, that is not enough to validate this debt. I dont recall owing any money to this or any other company, if I ever signed a contract with Associated credit services where I agreed to pay them this amount of money then I would also like them to provide it to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted XXXX  ( the data furnisher ) in writing via XXXX  certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to XXXX on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to XXXX on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to XXXX XX/XX/2023 ). As of today, XXXX has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency XXXX XXXX XXXX XXXX XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consist of collections from XXXX XXXX XXXX ( {$180.00} ), PORTFOLIO ( {$950.00} ), XXXX XXXXXXXX ( {$170.00} ), XXXX XXXX ( {$900.00} ). These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report. I've attached a list of collections and charge offs in question. I do not recognize the aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge-offs are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX reported that I have a balance to the credit company in XX/XX/2019 and I had a XXXX balance. It made my credit score drop from XXXX to XXXX. I have contacted them to update my information correctly, but a letter was sent to me stating it updated. But its not updated. My Equifax report for my XXXX creditcard ending in XXXX is currently showing no payment status on file.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXXXXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny, XXXX ( XXXX ) XXXX XX/XX/year> experian XXXX XXXX XXXX, XXXX, TX XXXX outli subject : Formal Dispute Regarding Inaccurate Information On My Creddit Report Dear Experian I Am Writing To Formally Dispute Inaccurate information on my credit report that i believe is harming my financiale Credit Reporting Act and request a Thorough investigation into these inaccuracies, as required federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. these practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumers about investigation results effectively.Thesr allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am sending this to you today because I have pulled my most recent credit report and am extremely confused. It is very troubling as these items are reported as incorrect information. I would appreciate your assistance in solving these problems. I have done research at my end and as you and myself both aware, some laws guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported promptly. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the Federal Trade Commission. I must demand that you run a thorough investigation for every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities XXXX XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect addresses and fraudulent or error accounts appearing on my credit as follows : Incorrect addresses are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts in error are : XXXX XXXX XXXX XXXX Balance {$220.00} ( Only on XXXX ) XXXX XXXX XXXX Balance {$450.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX Balance {$400.00} I have contacted each of these and most of which are third party debt collection agencies and it is against the law per FCRA Section 604 15 U.S. Code 1681 B, to produce these false debts for which they have not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX bank I have not applied for this credit card very confused on why the date of the inquiry is XX/XX/XXXX also this account is not on my XXXX or Experian credit report. 

Both XXXX card services didn't know what this card service is and definitely haven't applied for the services in over two years. Also this account is not on my XXXX credit report. 

XXXX account has two different dates XXXX report XX/XX/XXXX, Experian XX/XX/XXXX, and also not on my XXXX credit report. 

XXXX  account is only my Experian credit report. It is not reported on XXXX or XXXX report. 

XXXX was a credit card that I had however I paid off the account and its a closed account. Not sure why its only on my Experian credit report and also why its a hard inquiry.