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

This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that i did not authorize.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge for XXXX for save a lot from a my XXXX  XXXX bank my check book was stolen and this is a incorrect report on my credit
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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 pa
yment 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.

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! 


Update the late payments from my consumer reports
Product: Student loan

All loans are processed by Fedloan Servicing and only require a single monthly payment. However, when I missed one payment, it showed as 16 missed payments on my credit report.
Product: Credit card

American express offered a promotion if I spent enough on my credit card. They assessed a membership fee and I paid however they forcibly closed my account before I was able to claim the promotion.
Product: Mortgage

Bank of America was my original mortgage company. Back in XXXX I went through a divorce and bankruptcy there was modifications done so I could lower payments and afford to stay in my home. My mortgage was then sold to XXXX who then was sold to XXXX XXXX. then they sold my mortgage again to XXXX XXXX  that is my current servicer on my mortgage. All was ok until I was then laid off due to XXXX in XXXX which put me in a financial bind again and it's been an uphill battle since! fast forward to today. My home sits on XXXX acres of land I am trying to sell a portion of the land to pay off my mortgage so I can stay in my home and downsize to a manageable level I am XXXX XXXX XXXX alone and trying to survive. I have buyers and we are ready to close when they pulled title work it's showing that the XXXX modifications that Bank of America did were not transferred with the XXXX mortgage when it was sold. It shows that they still hold it and they refuse to release it saying that since the loan was sold they are no longer able to release or transfer them. This is preventing my closing and needs to be addressed by BOA as soon as possible. They keep saying that it's not them but they hold the lien. I am putting in this complaint in hope something can be done about this or at the very least consumers know not to deal with BOA with their mortgages or check them if they have modified and the mortgage was sold because this will come back to bite if you choose to sell the home.
Product: Money transfer, virtual currency, or money service

Zelle has numerously stripped money from me in fraudulent cases
Product: Money transfer, virtual currency, or money service

PayPal is closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistakes as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently my email linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete the inquiries listed below Name of Inquiry and date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Inquiry has no permissible purpose to be on my report.

Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have received multiple letters requesting payment for a debt I settled a long time ago with a different debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : Credco and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continued to incorrectly report to each of the credit bureaus ( XXXX, Experian, XXXX ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by XXXX contradicting their claims yet they refuse to correct the erroneous reporting.
Product: Debt or credit management

Charged me XXXXUSD per month for 12 months, Then charged me XXXXUSD per month for 7months.
Product: Bank account or service

I have banked with Simple for over three and a half years. I 've lived at my current address for over a year and a half. After making updating my linked external accounts last week I received a support message saying " Your account has been frozen because we 're having trouble verifying you. We need to do that before we can unlock your account. 
In order to complete verification, please submit a copy of the following documents using the instructions below : - A color photo ( not scanned ) of your Social Security Card - A color photo ( not scanned ) of your unexpired Government issued Photo ID ( If your photo ID does not have your current address on it, please also include Residence Verification, for instance, a bill issued in the last 30 days. ) - The two most recent PDF bank statements downloaded directly from each of the external account ( s ) linked to Simple '' I responded to this right away and after two business days I still have had no response from the team that made the decision to freeze my account. I 've uploaded the requested identification, but the linked external accounts are new and there are no statements yet. I called customer service to ask when I would hear back and how long it might take to regain access to my account. The representative would not give any timeframe for either and said that we would just need to wait and see if the team reviewing this would " make an exception '' as I can not provide bank statements that do n't exist. And if they wo n't make an exception? My money would simply be held in limbo indefinitely? The customer service rep had no answer for that either. Now I 'm reading horror stories on Better Business Bureau and other review websites of customers who had their account frozen for months! This is criminal.
Product: Credit reporting or other personal consumer reports

This company is violating the FCRA COMPLIANCE. They are not reporting 100 percent accuracy to my report. In fact their reporting has caused me to be denied several times for several different loan and home applications. The company as took oath to report 100 percent accuracy and they are far from doing this. The company is Capital OneXXXX The original balances two bureaus read the same and the other states XXXX, limit two agencies have the same amount one states XXXX. None of the dates opened are matching or correct and reported dates are all different dates as well. Most of all I have XXXX late payments that continue to report even after the account t has been charged off. Which is not accurate either because charge offs should not have any lte payments attached to it because they are late by default. I want this company to remove this account from my report. It has violated my rights for long enough. I believe them reporting late payments after the account is charged off is a sneaky cruel act. I have months where on bureau is reporting I paid on time and another bureau claiming it's a charged off account. This is not 100 percent accuracy and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Experian is not responding to consumer feedback emails. They are not reachable via telephone..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. It has come to my attention that these erroneous entries are tarnishing my creditworthiness and standing, posing a grave injustice to my financial integrity. These accounts are blatantly false and do not reflect any financial transactions or agreements made by me. I have duly submitted the required FTC report complaint I filed at https : //www.identitytheft.gov/ and the banks have removed the accounts from other credit bureaus upon receiving my complaint. Furthermore, other credit bureaus have already deleted the accounts from their records and now I am questioning myself on waht kind of investigation have you made to still post those fraudulent accounts. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, XXXX and Transunion in XXXX of 2023 regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/2023 I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an XXXX XXXX Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that all of XXXX and Department of Education be lumped together and removed from my credit report. I, personally, have never made one payment. I was part of the class action suite along with the F.T.C. ( Federal Trade Commission ) against XXXX XXXX. Late payment discrepancies are not of my doing. I am requesting that all of this is removed from my credit report and that my score is more accurately reported. 
Reporting thirty three-plus negative payments over one account has adversely affected my life and future endeavors. 

PS : This is 10 yrs old!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A follow suit letter was sent out to XXXX on XX/XX/23 to remove item ( XXXX ) as it was removed from the other credit bureaus. 

Ive also sent out a letter to XXXX and Experian on XX/XX/23 for method of validation of accounts named : ( XXXX & XXXX XXXX ). 

Another letter was sent out to XXXX on XX/XX/23 to remove unauthorized inquiries on my credit report. The negative items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), under federal law, the credit bureaus have 30 days to complete the investigation, with physical verification of the original signed consumer contract. Which the credit bureaus have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/2020 Denied 'Personal Loan ' for 'Car Loan/Transportation ' Needed 'Vehicle/Transportation ' To Attend Veterans Medical Facility over XXXX XXXX Hours From XXXX NC
Product: Credit reporting or other personal consumer reports

My credit was breached in hacked in the information on equal fax a lot of stuff was put on my credit report that wasn't even mine
Product: Debt or credit management

I am writing to file a complaint regarding XXXX XXXX XXXX involvement in a class action lawsuit. I have concerns about the practices and conduct of the company in relation to the services they provide. Specifically, I believe there may be misleading, deceptive, or otherwise unfair business practices at play that warrant investigation.

I am aware of the ongoing class action lawsuit, and I am concerned that XXXX XXXX has failed to provide the appropriate services promised or has engaged in practices that may be in violation of consumer protection laws. My personal experience with Lexington Law has been [ briefly describe your experience, e.g., poor service, unresolved issues, misleading communication, financial losses, etc. ]. 

I respectfully request that the CFPB investigate XXXX XXXX XXXX practices in connection with this class action lawsuit to ensure that they are in compliance with consumer protection regulations and that they are held accountable for any potentially unlawful actions. 

Thank you for your attention to this matter. I look forward to your response and any assistance you can provide in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  XXXX
Product: Debt collection

I have this account showing on my credit reports but I have no knowledge of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Success! 
Your report was submitted to the FTC. If you provided an email address we will send you a copy of your reference number : XXXX address not mine XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine : XXXX XXXX office of the atty gener oag child su XXXX XXXX   XXXX
Product: Money transfer, virtual currency, or money service

Capital One bank has been holding direct deposits for two days. As of this morning I can not access my account either.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} Late Payment : XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Bank account or service

I have a " savings '' ( private client ) account with chase for about 9 years now. Recently there is an unauthorized charge of {$1000.00} on dated XX/XX/XXXX. Unauthorized charge was done through creating a dynamic check # XXXX. The check does not have my name or signature, it only contains my account number. I contacted Chase Fraud department and they asked me to send an AFFIDAVIT which I did on XX/XX/XXXX. Next day, I have also reported to XXXX Police Department ( XXXX ). However, it seems like they are refusing to give me the unauthorized charge back. I called them several times during regular business hours. Seems like they do not really care. My time in regular business hours is more valuable then the XXXX dollar itself. However, I am very frustrated with the fact that bank like chase can do such things to customers. According to agreement, I am NOT liable for this fraudulent charges. To me it seems like my account has been compromised due to data breach of chase on year XX/XX/XXXX. However, I ca n't be certain, but my account with chase is around 9 years old. 
Along with this complaint, I also complained to Chase executive office regarding their software issue. It was showing arbitrary amount ( around $ XXXX mismatch ) on my savings account online for 24 hours before it got fixed next day. I am not sure if XXXX complaints are related, but certainly customers going to suffer for this issue. I have sent all proofs to them regarding this issue. I have no answer yet regarding the software bug either. Customers should check their bank account frequently. Otherwise, they will never know how their money is gone and I am capable of proving this issue. 
My primary concern is still the fraudulent amount of {$1000.00}. Despite the fact that I contacted their executive office, no resolution is found. Hope to find a resolution through your service. Please note that fraudulent dynamic check that has been generated does not have my name or signature. ( Attachments - 1. Affidavit 2. Police Report 3. Fraudulent check )
Product: Checking or savings account

On XX/XX/2023 at approximately XXXX while I was sleeping, someone stole my debit card ending in XXXX and withdrew XXXX different charges from a non-Wells Fargo ATM. The first withrawal being of {$200.00} and the second withdrawal of {$160.00}. As a resolution, it is fair that I make this report, go under investigation and receive a credit back into my checking account for both amounts, since I am not the one who made the withdraw nor did I give anyone permission to using my debit card. When this incident first occured I immediately contacted Wells Fargo claims assistance center at approximately XXXX to inform them of this fraud activity. I reported my card stolen, as well as informed them of the XXXX non-atm withdrawals that were not made by me. They have issued out to me a new debit card and did their own investigation, but because of the information I provided my case was closed as they believe it was I or someone who had my permission to make the transactions.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Credit Report Information I am filing a formal complaint against Experian for failing to properly update inaccurate personal information on my credit report, despite my previous requests. Experian informed me in writing that they had corrected my personal information, but I have reviewed my report, and the following inaccuracies remain : 1. The address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX is incorrectly listed on my credit report, despite my request for its removal. This address is not relevant to my current or past credit history and should not be associated with my file. 
2. The name XXXX XXXX remains on my credit report. This is not my legal name, and I have requested that it be corrected to XXXX XXXX, yet it has not been done. 

These issues are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure accuracy and promptly correct errors when notified. Experian has failed to comply with this obligation, and the continued presence of these inaccuracies is negatively affecting my credit profile. 

Thank you for your attention to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's currently two accounts on my credit report inwhich the contract has been cancelled, I absolutely have no contract nor obligation to the following company, ( 1 ) XXXX XXXX XXXX, XX/XX/2018, {$130.00}, {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, transunion and XXXX  to get inquires removed off my report that should not be there. After 3 months I have not received any changes on my report.