23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is reporting that my XXXX account was charged off twice once in XXXX XXXX and then after going positive for over a year the macys account was once again charged off in XXXX XXXX. How can a account that is alledgedly charged off go positive again, and then once again charge off?. This info is inacurate and is causing my credit score to not improve. I have included supporting documentation to support my claime. My loan officer can not figur this out either.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete this immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to let the credit bureaus know that I was a victim of identity theft and that I want these bogus things that were added to my credit report as a result of suspected identity theft removed. FCRA 605B ( 15 U.S.C. 1681c-2 ) mandates that credit bureaus remove any material mentioned in identity theft. ANOTHER TIME, HERE IS THE LIST OF ITEMS I WANTED TO REMOVE! 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$590.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding erroneous information on my credit report, specifically related to an account attributed to XXXX XXXX XXXX XXXX XXXX I contacted XXXX, XXXX, and Equifax several of times to address this issue, which involves an account displaying incorrect information.

The account in question is reported as charged off and is reflecting missed payments despite being charged off three years ago. Per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), Section 609, this information is inaccurate and violates the legal obligations set forth under this regulation.

Despite my efforts in disputing this error, I have yet to receive any response from the credit bureaus or the lender in clarification as to why this misinformation persists on my credit report. The inaccurate reporting is adversely impacting my creditworthiness and financial standing. 

I request an immediate investigation into this matter in accordance with the FCRA, Section 609. I am formally requesting the following actions be taken : Verification and validation of the accuracy of the reported information related to the account in question.

Correction or removal of any inaccuracies found during the investigation, specifically the misreporting of missed payments on a charged-off account that occurred three years ago.

I urge swift action to rectify this issue and to provide me with a written response detailing the steps taken to investigate and correct the inaccuracies within the prescribed time frame as per the FCRA. 

Please find attached copies of documents that support my claim, including wrongfully reporting on my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution within the legally stipulated time frame.
Product: Consumer Loan

I started monitoring my credit and notice that this company American Credit Acceptane ( which I did not not regonize, because my auto loan was with XXXX XXXX, which I now know is affiliated with American Credit Acceptance ) was reporting on my credit monthing stating that I owed an outrageous amount of money for a repossession that happened on XXXX/XXXX/XXXX which was also charged off, but before they charged the debt off for the XXXX Ford Excursion it was sold at aution to get whatever they could get for the vehicle. I received a letter from the company telling me what they sold the truck for. Now I am filing a complaint because today XXXX/XXXX/XXXX I called American Credit Acceptance and I first spoke to a rep named XXXX and explained that I sent a certified letter to theme and it was signed for XXXX/XXXX/XXXX by XXXX XXXX asking for documentation under FDCPA asked for records so that I could compare to my records because this company was reporting an outrageous debt amount, and that under FDCPA that the company was in violation. She replied we have no records, I said I would be filing complaints with the Consumer Financial Protection Bureau for non compliance-XXXX- The Attorney General, I said I wanted this account deleted due to non compliance of section 809 of FDCPA. She placed me on hold I was told that the manager a guy by the name of XXXX would call me by XXXX. I received at call at XXXX from XXXX who may I add was very nice but in a rush telling me that he was unsure of what is going on, so I explained everything that is mentioned above, and that I wanted account statements ( he said he could not get because XXXX in the dispute department was not there at the time but he will try to get the statements. I 'm baffled so how are you reporting inaccurate information ) next he said I can get you the original signed contract along wit Payment history out in the mail to me tomorrow when he comes into work. I said how is that telling me the balance I owe? Where is the letter stating how much the truck was sold at auction for? I wanted to compare records.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 inaccurate.
Product: Checking or savings account

this message is regarding CHASE BANK Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX Banks are not supposed to hold their clients liable for fraud. I am submitting this report to the consumer financial protection bureau because Chase bank refused to protect my account from fraud. After recently opening a checking account with them, my debit card was used for a series of transactions without my knowledge or permission. I notified them on XX/XX/XXXX and they opened a claim. They closed the disputes and charged me back for the provisional credit of the claim, stating that I was responsible for the charges even though nothing was received by me, nothing delivered directly to my hands, and the charges are fraudulent. 

Banks are not supposed to hold their clients liable for fraud. They told me there was nothing I could do. I filed a police report and contacted the merchants to let them know the cardholder ( me ) did not authorize the charges, with no success. I am hoping that the consumer finance bureau can contact Chase in regard to the following claim number and ask them to reopen the claim and return the money that was stolen from my account by fraudulence. A woman named 'XXXX XXXX from their claims department ( XX/XX/XXXX around XXXX central time ) told me there was nothing they could do, after asking to speak to a manager repeatedly she told me that a manager would not change the outcome of the claim. The line was recorded and I hope the conversation is able to be submitted for review. 

Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX attached is the print out page from the USPS for the package which was not delivered to my hands. I never received any merchandise from this retailer and implore you to help me get these disputes resolved with my funds safely returned to my bank account. 

Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX XXXX related to Account ending in : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received the wire details from the lender for the closure on a property I was buying in XXXX FL. 
On XX/XX/XXXX I went to Wells Fargo XXXX XXXX in XXXX GA XXXX and I initiated the wire with the bank details I received on the email. The manager of the branch is the XXXXne who did the wire, she didnt confirm the bank details or account. Two hours later the secretary of the real state lawyer called me asking about the wire transfer, at that time I realized my email account was hacked. I contacted the manager of the WF bank and she initiated a recall process. Due to the long holiday the fund seated in the account but they were not refunded. The following Monday the manager of the bank contacted me with the information that the XXXX bank the recipient bank acknowledge the wire as fraud because of a name discrepancy. I was suppose to be credited back with all the money in 7-10 business days since the funds were on hold. 
By XX/XX/XXXX the money departed the XXXX and the fraudster was able to close the bank account. The Criminal investigation of the XXXX XXXX XXXX  confirmed the details of the person who opened the account which it was different to the one I intended to sent the wire and with all the details and clear proofs the XXXX bank still released the funds. I am being trying to recover the money and both bank are liable. The Wells Fargo bank FAILED to verify the bank details before sending the wire transfer, and the XXXX bank released the fund and lift the hold to an account that it was mark as fraudulent. The Wells Fargo as my bank is responsible for protecting my rights as a consumer and they should be liable to refund the money to me and charge the XXXX for the mistake, the XXXX  is ignoring this crime because I am not their customer and the Wells Fargo is leaving me unprotected, with this report I am here to request Wells Fargo to protect my rights, stand for me for this crime that took a place over 18 months and recover the money that the bank shouldve not allow to depart the account after the mistake of the branch manager. 

I have all legal documents including, police reports and investigation results showing the mistake of both banks, the XXXX bank did opened and allowed a fraudster to opene an account and relsewd the funds that were on hold marked as with fraud alert, but the Wells Fargo failed in verifying details with the XXXX bank before allowing the wire transfer to take place and did not stop the funds in time to be transferred to XXXX.
Product: Checking or savings account

I have been in dispute with Citi Bank over an account takeover that took place on XX/XX/XXXX. I contacted Citi immediately on XX/XX/XXXX and XX/XX/XXXX. Since the account takeover, I have filed a police report and provided this to Citi Bank multiple times via phone calls on these dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and I have communicated with Citi Bank tirelessly via phone calls and fax that over {$15000.00} in unauthorized charges were taken out of my Deposit account on XX/XX/XXXX. As a result of Citi Bank allowing the Fraudster to act on my behalf as the consumer and allow the account takeover on XX/XX/XXXX additional unauthorized accounts were opened in my name, they applied for a personal loan, along with additional unauthorized funds transferred out of my account. I was notified of this by Citi once I was able to talk to a validated Citi employee and as of today, XX/XX/XXXX, I have not received any provisional credits based on Regulation E and Regulation Z. I have appealed all of the open cases with evidence of this account takeover and Citi Bank has not provided evidence as to why these cases have not been resolved and provisional credits not provided. As a consumer who has been banking with Citi Bank for several years, I find these actions from Citi Bank to be very dismissive, irresponsible and lacking accountability as a top ten financial institution. As of today, XX/XX/XXXX, I have contacted Citi Bank almost daily for the last 4 months. Although some funds have been recovered... .when Citi identified this as fraud, they only refunded some of the funds and did not include the 2nd checking account that was fraudulently opened. I was told all funds and accounts were included in the original investigation. I was later advised in XXXX after the partial credit, that there was an error and the remaining funds would be immediately credited to my account. It is now XXXX ... 2 months after that clarification, and I still don't have the credit in my account. I have not been able to pay my bills and my landlord has filed eviction. I am in desperate need for this to be reconciled immediately. There are still two outstanding fraudulent transactions that have not been reversed by Citi... The identified this checking account and fraud, and I do NOT have access to see the account, so I do not know the account number that was fraudulently issued, however, the Banker at my local branch was able to see the account and confirmed the amounts that the Fraudster moved out of my account was for {$2400.00} and {$2400.00}. I have exhausted all resources, including visiting the local branch weekly. Please advise on this resolution. Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Bank account or service

I have a check wrote to me, verified, in the amount of XXXX even though the funds were available and no question it was wrote to me, the bank refused to either cash, or exchange for a cashiers check, not cash because the acting XXXX claimed they needed a week 's notice to have the funds available, would not exchange for a cashiers check due the fact I did n't have a account. 
The bank is TD BANK XXXX XXXX the only XXXX there.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and noticed an account that was not reporting accurately. Noticed also they reporting late payments on an account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX, XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened the account in XX/XX/XXXX and signed up for auto-payments. They indicated that it would take 30 to 60 days for the auto payments to commence. There was no payment due in XXXX. I made a payment online in XX/XX/XXXX. The XXXX bill indicated I was now signed up for auto payments and that a payment would be taken from my checking account on XX/XX/XXXX. When I received my statement it indicated that the auto-payment had indeed been made on XX/XX/XXXX. On XX/XX/XXXX Citi called me to inform me that the payment had not been made as previously told. I was astonished as I knew there was ample money in the account to make several payments. The customer agent looked into my account and found there was a transposition in the account number for the checking account from which the payment was to be made. To ensure they had the correct number the agent made the XXXX payment while I was on the phone, and it went through. When I received my next statement I found that they had not only charged me {$25.00} for a returned check, but they also reported to the credit reporting agencies the payment was made 30 to 59 days late. The payment was due on XX/XX/XXXX, by the time they noticed that they had messed up the account number, contacted me, and obtained a payment was only 6 days. I do not know what party was responsible for the transposition, but I know they had 2 months to verify the account numbers. And they also could have called me when the payment did not go through, rather than waiting an additional week. 
The following month no payment was made from my account so I called them and they informed me that auto payment had been cancelled, without any notification. I told them that I wanted it to continue for which they apologized and re-instated the auto-payments and made a payment again while I was on the phone. Citi then subsequent to my phone call, mailed me letters saying that my auto-payments had been cancelled, then another stated they had been reinstated. Both on the same date. No late payment fee or late payment report was made for this payment, even though I believe it was past due. They just took responsibility for the error, as they should have done the first time.

I made complaints on two separate occasions to Citi regarding this matter. I received 3 unsigned form letters in response, all identical, indicating they they were correct to report the payment late. I do not believe this to be the case. It was Citi 's fault that payments were made late on both occasions. I made honest efforts to make the payments and even had to follow up on them. I had the money in my account for payments to be made. This was a simple mistake, likley on their behalf, and should have no bearing on my credit score. 
The bill XX/XX/XXXX-XX/XX/XXXX attached to this report show that the payment had been made. The XXXX XXXX bill shows the payment unmade, the remade, as well as the {$25.00} returned check fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

After writing to Citibank regarding a Best Buy Account that was closed, I received a letter dated XX/XX/2018 from XXXX XXXX at the executive response unit that indicated they were opening a dispute with the credit reporting agencies. That was more than 30 days plus the XXXX days for mailing that they are allowed. 

The FCRA states that there is 30 days plus five days for mailing in order to complete the investigation. The FCRA also states that the consumer should be notified in writing the results of the dispute. At this time I have not received a notification of the dispute and the information has not been verified within the thirty day time period and at this time must be deleted pursuant to the FCRA.
Product: Debt collection

The Revenue Group calls my job, place of work and family all the time. They use threatening language. I've asked them to stop but they continue to harass me and about to have me fired from my job from the repeating calls and threats
Product: Credit reporting or other personal consumer reports

Despite previous written request, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

YES MY NAME IS XXXX XXXX AND I AM A VICTIM OF FRAUD THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATELY ON XXXX, XXXX AND TRANSUNION I HAVE REACHED OUT TO ALL THREE WITH NO PROPER RESPONSE AND I HAVE REACHED OUT TO THE BANKS INWHICH THEY ALL SAID ITS UP TO THE CREDIT BUREAUS THE ACCOUNTS ARE ALL CREDIT CARDS FROM FRAUD AND THEY ARE XXXX XXXX ACCOUNT # XXXX AMOUNT {$7500.00}, XXXX XXXX  # XXXX AMOUNT {$6100.00} AND XXXX XXXX {$3200.00} ACCOUNT # UNKNOWN BUT IT WAS OPENED XX/XX/2016 AND THE OTHER ACCOUNTS WERE OPENED XX/XX/2016
Product: Credit card or prepaid card

I contacted Capital One and informed the company that my identity had been stolen and someone not by my authority, consent or knowledge made unauthorized transactions to my account as a direct result of my identity being stolen. For my protection of further damages I voluntarily requested the closure of my accounts that were compromised. Today I learned that theres another card baring the transactions of my closed account. I immediately informed representatives that my account with my card number is closed and I do not know where the new account and card number comes from and I do not have the card on file in my possession. I did not apply for a new account/card. I additionally requested a copy of banking statements. I spoke with a representative by the name of XXXX. XXXX took note of the transactions identified by me that were not made or authorized by me. XXXX transferred me to XXXX who was to give me access to temporary credit to my account because my account was closed. XXXX had me explain the conversation with XXXX. Without hesitation I provided XXXX which I was also told was the fraud department all the information I provided to XXXX including informing both representatives of my previous report of identity theft to Capital One including my police report and FTC report upon request. XXXX then advises that he is not the fraud department and transferred me to XXXX. XXXX had me explain to her everything again. I did so. XXXX asked what was I requesting. I informed XXXX of my request to utilize my temporary credit that was placed onto my account per XXXX. XXXX claimed she could not give me access to my funds which I informed her of prior process which this was the report of identity theft. I recently lost a child and today I am well enough to report additional thefts. XXXX transferred me to banking who stated she should not have transferred me there. The phone disconnected while I was on hold. I immediately received an email from Capital One saying my account was investigated and I am responsible for the charges I identified as unauthorized. Although identifying the unauthorized charges and offering law enforcement reports of the theft Capital One did not properly investigate my report.