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

( DISPUTE CODE - XXXX  ) ( DISPUTE CODE - XXXX  ) My personal information was stolen in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX  : XXXX-TransUnion XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX-TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX-TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to YAMAHA MOTOR FINANCE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or YAMAHA MOTORs customer service representative.
Product: Checking or savings account

I used Wells Fargo ( " WF '' ) bill pay to issue a payment. I made the request on XX/XX/year>, and WF estimated that the check would be received by the vendor on XX/XX/XXXX. The money was removed from my account on XX/XX/XXXX, even though it was physically impossible for the funds to be paid to the vendor by this date. On XX/XX/XXXX the check had still not been received by the vendor. WF has now had my money for 20 days. They did not pay the money to the vendor and I don't have my money, the money is in the possession of WF. They gave themselves an interest free loan from my checking account. Because WF refuses to return the money to my account, I do not have the funds to pay the vendor. I have no idea when my money will be returned to my account. When I write a paper check, the money is not removed from my account until the check is cashed by the payee. If the funds do not exist in my account to cover the check, the check is returned for NSF. How much money is WF making from these interest free loans?
Product: Checking or savings account

Bmo alto closed my account illegally and said at first there closing my account and sending my a check to me for the balance then when i called to check on it they tried accusing me of doing something wrong when I didnt and they said they sent the money back to the person sending me the money they said he requested it back from bmo alto which I do not believe i believe they stole my money and scamming people and false promises and advertising
Product: Credit reporting or other personal consumer reports

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized Metro 2 data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint previously stating that XXXX XXXX listed two late payments on my account in XX/XX/XXXX and XX/XX/XXXX that were paid on time and I provided proof. Equifax and XXXX  both sided with my dispute and altered the inaccurate information reflected on my account. Several months later the creditor changed the information back to the inaccurate version, and now the false late payments show up on my account again as I'm trying to qualify for a mortgage. These supposed late payments were already proven to be false -- all payments have been made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), of the FCRA, it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Student loan

Just got an email notifying me of Navient attempting to avoid discharging my student loans for the XXXX XXXX XXXX XXXX XXXX XXXX by transferring the loan to XXXX this is XXXX I am in the process of filing school misconduct forms and these absolute XXXX shouldn't be able to do this.
Product: Checking or savings account

I Am writing to file a complaint against Navy Federal Credit Union XXXX multiple overdraft fees I have incurred.Despite Having sufficient funds when transactions were authorized was charged fees due to lagged aligns with recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request and into my account transactions
Product: Debt collection

I didn't received any information about a debt. Also didn't receive a debt validation letter verifiying any debt. I didn't authorize ALDOUS & ASSOCIATES P.L.L.C institution to purchase and any existing debts.
Product: Credit card

I applied for chase united card I received it send documents after every transaction they asked me to call and verify that account actually belongs to me every time I passed verification but now the account is on hold and review. This is nonsense I already sent my documentation twice.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX at XXXXXXXX XXXX XXXX, I was a victim of wire fraud in my XXXX business bank accounts with CITIBANK. I received a call from Citibank XXXX customer service line which the caller ID indicated. This call was the fraud/scam/spoof. The woman that called said that they saw suspicious activity on my business debit card & rejected XXXX charges ( this was a lie ) I simultaneously received XXXX emails from Citibank noting : password changed, savings transferred to checking and checking plus ( overdraft money ) deposited into my business checking account. The woman on the call said not to worry as she froze my account. The call lasted XXXX minutes. I called my local bank on Monday XX/XX/XXXX in the early afternoon so they could help me continue what to do next. I spoke with the Bank XXXX who then explained to me what really happened, I then called the Citibank Fraud Dept and they filed a dispute and froze me accounts. XXXX wire transfers were made XXXX to XXXX XXXX # XXXX at XXXX Bank for {$10000.00}, and XXXX to XXXX XXXX # XXXX at XXXX XXXX for {$18000.00}. They also debited the overdraft money for {$4900.00} Reference # XXXX plus XXXX wire fees of $ XXXX. A total of {$33000.00}. Lost to me in XXXX minutes. Citibank never alerted me to the wire transfers to this day. I did not even know you could wire transfer on your own in the first place and that the bank can not turn off the wire transfer option in your account either, which I asked them to do, but they can not. This is frightening! I now have the statement for my account showing the wire transfers and the call history from XXXX showing the call, date, time and duration of the call. I have reported this to the police, FTC, FBI XXXX, SSA.Gov/fraud and now XXXX. I Froze all XXXX credit bureaus. Citibanks fraud detection is not working apparently. I have never used a wire transfer in those accounts or drained all the money out ever. I am a long time customer of theirs since XXXX and there is no promise that I well ever see this money again. I have contacted my attorney. I have attached reports but also by accident a prescription refill of mine was included for some reason. I apologize, I didn't know how to separate them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax due to concerns about the integrity and permanence of deletions on my credit report that were confirmed in a previous response from Equifax following a CFPB complaint. Despite assurances that several accountsincluding XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deleted from my credit file, I am troubled by the possibility of these items reappearing, as I have encountered such issues in the past. This situation raises serious questions about Equifax 's compliance with the Fair Credit Reporting Act, which mandates accurate and fair reporting practices. The repeated instances of deletions being potentially reversed or not permanently maintained without any notification undermine my trust in the accuracy of Equifax 's credit reporting and the efficacy of their dispute resolution process. I am seeking an investigation into this matter to ensure that all previously confirmed deletions are permanent and to receive assurance that such items will not reappear, thus upholding the standards of accuracy and transparency required by law.
Product: Debt collection

XXXX XXXX will not stop calling or remove my name or my wifes name from owing them. I have attached a list of creditors from our bankruptcy I would like them to stop calling and remove us from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : following items disputed XXXX XXXX no independent investigation was done. No proof of contract with my signature on it. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT AFTER THE CLOSE DATE AND YET, I AM STILL SEEING THIS ACCOUNT EACH MONTH. NO CONTRACT WITH MY SIGNATURE ON IT. NO PROOF. XXXX XXXX THIS ACCOUNT MUST HAVE THE CORRECT COURT NAME, LISTED WITH CITY AND STATE. BEING REPORTED INCORRECTLY. MUST BE DELETED PER SAY UNDER THE FAIR CREDIT REPORTING ACT. 

XXXX : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT XXXX COULDNT VERIFY UNDER SECTION XXXX. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

XXXX : XXXX : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT XXXX COULDNT VERIFY UNDER SECTION XXXX. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

All these accounts I have disputed with all the credit reporting agencies. They have not prove 100 percent that these accounts are true and belong on my credit file. Every time i send letters all each credit bureau does is send me a computerized letter saying verified. I am requesting that all inaccurate items be removed. This is affecting my ability to obtain credit
Product: Credit reporting

I attempted to receive my free Experian annual credit report through XXXX but it stated : " We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 
Annual Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX '' Because the message is so vague ( " a condition exists '' ), I have no idea if it 's a technical problem on their end that may be resolved over time ( so try again later ) or whether the issue is with my account and I will need to do something to correct it before I will ever be able to get my free report electronically. I think this should be more clear.
Product: Debt collection

Allied showed up on my credit report last year for medical debt and they have recently filed a suit against me in small claims court. I contacted them to let them know I did not know who they were or why they were reporting these debts and to verify the debts. These accounts were from the local hospital. I was told that if the debts were mine and validated, that I could not pay the hospital and would have to pay Allied directly. XXXX told me this on a phone call XX/XX/2021. 

I called the hospital billing department to get them to validate the debts. They sent me the bills in the mail. Allied also sent me bills that all added up to {$800.00}. The bills that Allied sent me added up to the bills the hospital sent. 

I paid the hospital this amount directly, as they recalled the debt from Allied. This happened on XX/XX/2021. I have never had any transactions with Allied, because though they verified the amount, they never proved that they had the right to collect the debt. They are continuing to report inaccurate information on my credit report. They never updated these multiple accounts as disputed, and now they aren't removing them, as they no longer hold the debt. The hospital recalled it, and it has been paid. 

They are also stating that they will continue the lawsuit because of two bills that they did not and can not validate. I spoke with XXXX and XXXX on the phone on XX/XX/2021, and they said that even with the paid amount to the hospital, they're still collecting on two additional accounts that they did not validate when I asked. They had the opportunity to send these to me and did not. 

Allied also had personal medical information that was much more than the minimum amount of information they need to collect on debts. They sent me with their validation what procedures these bills were for, which is a huge HIPAA violation. I can prove this with their validation paperwork. Also, on the phone call I had with XXXX on XX/XX/2021, she almost slipped up by mentioning one of the procedures that one of the bills was for. 

They need to quit reporting these paid and inaccurate medical bills : - The debt has been recalled by the XXXX, and they are not the hospital. 
- The debts were disputed but not reported as disputed. 
- They provided me with my personal medical history that they should not have had.
Product: Checking or savings account

On XX/XX/2024, I arrived at work and received an email from Bank of America that my account balance was low. I opened the email to find {$2100.00} was taken out of my account within minutes, creating a ( - {$55.00} ) balance on my checking account. I immediately contacted Bank of America to report the XXXX transactions ( {$800.00}, {$800.00}, and {$500.00} ) as fraud. Bank of America said it would take XXXX business days for them to investigate and make a determination on my case. I am very upset at this institution because none of the transactions were stopped or checked for fraud, all three transactions were approved by Bank of America without any hesitation. So now I am out of money for the next 10 days if they even decide to give me my money back. This is ridiculous and completely unacceptable that they just let XXXX transactions totaling over {$2100.00} be approved within such a short time period be approved without any fraud protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

My file is still not updated correctly. This Court file number : # XXXX for eviction proceedings is still on the last report you provided me on XX/XX/22. It should have been deleted as well. I was never evicted from that property. And that case file number also does not exist in XXXX XXXX XXXX county case system as well. Please run a check for yourself. Please update your records accordingly. It is illegal to show evictions that did not occur
Product: Debt collection

I received a summons in the mail to appear for court for a warrant in debt. I never got any calls or any written notices of the debt so there was never an opportunity for me to try to settle the debt or dispute it. I've never heard of the company before so I don't even know what it's pertaining to.
Product: Credit card or prepaid card

I received a letter from Barclays. located at XXXX XXXX XXXX XXXX. XXXX, DE XXXX and phone number XXXX XXXX XXXX. Regarding XXXX XXXX XXXX  XXXX. when I called to informed them that I received a letter from them staying that my address on my card has been updated. When I called the XXXX XXXX XXXX  XXXX Barclays 's phone number. Customer service transferred me to Security Department at XXXX XXXX XXXX and XXXX transferred me to the Extremily High Department at XXXX XXXX XXXX. The operator ID XXXX, XXXX, asked me about my name, date of birth and social security number. Because I didn't provide all my information, he was not able to help.when I asked about the Extremely High Department address, XXXX mention that this place did not have an address and it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is hard inquiries on my credit report twice for the same company, XXXX XXXX XXXX for XX/XX/2018 and XX/XX/2018. When I call the company, they state my credit was only pulled once. When I disputed the second inquiry with Equifax, they did not remove it. I applied for internet service on XX/XX/2018. I authorized my credit to be pulled one time to assure my creditworthiness to XXXX XXXX XXXX for a new account. There would be absolutely no reason for them to pull my credit a second time the very next day. This needs to be corrected immediately. Since I have contact both the company and the credit reporting agency already, I am at a loss as to how to get this error removed.
Product: Money transfer, virtual currency, or money service

Hi my email that link to my cash app is XXXX and there was money STOLEN from my cash account more than once and cash support is no help they act like they dont know what I'm talking most of tje time they ask me the same thing over and over again please help i havw proof of everything
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards XXXX & CapitalOne which use XXXX service ( run by CapitalOne ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and XXXX card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. CapitalOne just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as XXXX and CapitalOne take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.