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

I looked at my report back on XX/XX/2024 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. 

XX/XX/XXXX/DEPT OF EDUCATION , XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX And one more thing according to 15 USC 1681s-2 A person shall 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.

15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency 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 this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

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: Debt collection

I have further looked into this debt being reported as my debt on all three bureaus and on the three different bureaus the reporting is vet different as if someone is trying to continually make this a new debt that I will not assume as my own as it it a result of identity theft, 1 XXXX  has this debt listed as XXXX negative payments with one on time payment being made in XXXX. It is also being reported as 76 % of the debt being paid. That is not true I had no knowledge of this debt until XXXX of XXXX when I reported the identity theft on this account. 

2 XXXX  has this identity theft debt listed as 26 negative payments with 3 on time payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX again stating 76 % of this debt has been paid off. 

3. XXXX  has this identity theft debt reported as 16 negative payments with again 76 % of this false debt paid off and 4 on time payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Finally if this were a valid account belonging to me wouldnt there have been a repossession long ago?? This is identity theft and I will pursue all action necessary to remedy this situation with Credit Acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting a collection/chargeoff in the amount of {$2100.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account should be reporting a {$0.00} balance. The vehicle was involved in an accident and the insurance company deemed it a total loss. There is no outstanding balance due and therefore nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

My bank ( XXXX  ) mailed a check to XXXX XXXX XXXX deposited the check into his account. XXXX XXXX bank chase bank held the check. When XXXX XXXX checked on the status of the held check Chase Bank in XXXX California instructed XXXX XXXX to have the payer and payee of the check in question present physically In the XXXX branch to verify the payer of the check.I and XXXX XXXX presented as instructed and were informed XXXX acct had been closed and Chase bank mailed a check in the amount of the original check to his address.After 7 days of not receiving the check XXXX went back to XXXX Chase bank ( XX/XX/21 ) where he was informed he was not told Chase mailed a check and he was mandated again, the payer and payee of the check in question need to physically present in branch for undisclosed reasons.XXXX has not received his money.This series of events has taken place over a 30 day time span.My bank states the check in question was cashed by Chase bank within 7 days of XXXX depositing it in his acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I notified Trans Union of my being a victim of identity theft. I have had to reach out to them and each time I am connected to a person that is not located in the United States who does not know Federal Law and consistently misinforms consumers. For instance, today, XXXX XXXX, XXXX I was told they are not required to follow up on disputes where the creditor does not abide by Federal Law and its essentially 'not legal ' for them to update a credit report even when fraud is confirmed. 
This company is permitting its agents to willfully misguide and misinform consumers on laws they are not themselves, bound by, given they are in a completely different country. 
My rights under the FCRA are being violated by this CRA permitting false and fraudulent information to stay on my credit in the face of confirmed fraud and identity theft.
Product: Mortgage

Rocket mortgage revised my loan estimate for a refinance and the closing costs went from around XXXX to XXXX. I was also promised XXXX cash out at close ( depending on appraisal, which has not occurred yet ), and this was reduced to XXXX. I tried calling the loan officer and he will not call back. I should get my {$500.00} deposit back because the appraisal has not occurred. I am furious that this is way off the mark of what was discussed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, my brother wired two wire transfers from a bank in XXXX to my HSBC bank in the United States. The first was for $ XXXX which I received in my HSBC XXXX XXXX in the same day, while the second transfer for {$120000.00} has not been deposited in my account as of yet ( XX/XX/2020 ). 
After days of communication with my account representative and customer service at HSBC, they notified me on XX/XX/XXXX that the wired funds are in HSBC escrow account pending calcification from XXXX XXXX  which I have no account nor any contents. I was provided a case # US XXXX. I called XXXX XXXX wire transfer department they noted that this case # is not theirs and referred me back to HSBC.

It has been almost two weeks and I out of {$120000.00} and neither XXXX XXXX are of any assistance. We contacted the XXXX  XXXX  and they confirmed that the money is out of XXXX and at this point they have not control. 
I appreciate any assistance that you can help me resolve this matter
Product: Debt collection

I owe XXXX for my tuition, I have tried to work with them to resolve this and pay it off. Instead they send my bill to Morris Lockhart and Montgomery in XXXX texas, and now they are threatening to take my XXXX away and get a hold of my employer and have me fired. 

They know what I do for a living, and still they call me while I 'm XXXX ( working ), nearly causing me to wreck on several occasions because I become so perturbed and distraught at the thought of losing my livelihood. 
( Side note : I use a hands free communications device while driving, in the event of an emergency. )
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I started receiving text messages that I owed a company called XXXX a small amount of money. I had never heard of the company before and disregarded the text messages as spam. Then, I recently had credit pulled to buy a car and noticed my score was lower than I expected. I then pulled my own free credit report and discovered the account which I did not recognize. I then formally complained to Experian and two other credit agencies, and Experian 's investigation determined that the account that had been opened was verified as accurate! Which is not correct! Again, I have no idea who XXXX is and have no supporting documents to provide since I've never done business with them. My credit report with Experian is incorrect and Experian 's investigation has not corrected it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 1. XXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX 3. XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX 4. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX 6. XXXX XXXX XXXX -Account # : XXXX Date Opened : XX/XX/XXXX 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 WRITTEN INSTRUCTIONS.

15 U.S.C. 1681c ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKEANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COMVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Mortgage

The loan was initially secured through XXXXXXXX XXXX and we paid that company without a problem. The loan was then transferred to XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, TX XXXX. This current month 's Statement was created on XX/XX/23, according to the bill and the Payment Due Date was literally one day later on XX/XX/23. There contained a statement that if the bill was not paid by XX/XX/23 a late fee would be charged. Loan Number XXXX is always going to be pad in a timely manner. It makes me suspicious when I receive a bill a week after the payment is due. I pay my bills on time and believe that there must be a problem with a company that issues a bill for payment one day before payment is due. Mortgage payments that are late impact credit scores and ours is very high. I want them to stay that way. Should there be a requirement that statements be issued a reasonable amount of time before a bill is due, certainly more than just one day.
Product: Mortgage

I RECEIVED A LETTER STATING THAT JP MORGAN CHASE SOLD THEE MY LOAN TO XXXX ON XXXX XXXX, 2014. IS THIS INFORMATION CORRECT OR NOT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge Off on Credit Report - Reference to FCRA Section 611 ( a ) ( 5 ) ( A ) Dear Experian I hope this message finds you well. I am writing to dispute the charge off that is currently appearing on my credit report. The charge off in question are account number : XXXX, XXXX and XXXX which has been sold to a collector, is causing inaccuracies in my credit history. 

I want to bring your attention to Section 611 ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that if a debt has been sold or transferred to a new creditor, the original creditor must update the account information to reflect that it is no longer their responsibility. Based on this provision, I believe that the charge off should be removed from my credit report as it is no longer the responsibility of the original creditor. 

I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. It is important for my credit history to accurately reflect my financial standing, and the presence of this charge off is misleading. 

Thank you for your attention to this matter. I would appreciate receiving a written confirmation of the resolution once the investigation is complete. 

Should you require any additional information or documentation, please do not hesitate to reach out to me. I am more than willing to cooperate to rectify this situation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX  breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within XXXX days. Relevant documents have been included for your review.
Product: Bank account or service

On XXXX XXXX, 2016 my cousin XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Beginning 2018, I have mailed multiple disputes to Transunion, XXXX  and XXXX  for the following accounts. On XXXX XXXX, I mailed additional disputes to all of the above credit bureaus with the Police Identity Theft Report ( attached ) and Notarized Identity Theft Affidavit ( attached ) for the following accounts by USPS with Tracking Numbers. 

XXXX XXXX {$13000.00}, XXXX {$460.00}, XXXX XXXX {$200.00}, XXXX   {$84.00}. 

Transunion and XXXX  removed all of the above fraudulent accounts except XXXX XXXX and XXXX  did not remove any of the fraudulent accounts, Because they have not removed these fraudulent accounts, it is severely damaging my credit scores and is preventing me from purchasing my first home for my family.
Product: Money transfer, virtual currency, or money service

Sometime XXXX  I received the amount of {$330.00} into my Venmo account and I received a mail later saying my account had been deactivated when I try to transfer my money out and it says to give me XXXX to have my money transfer or not and its been over XXXX years now and venmo wont release my money still they have my account deactivated without knowing why and why XXXX cant get my money
Product: Credit card

Subject : Submission of Identity Documentation Dear First Progress Card Corresponding Team, I hope this message finds you well. 

I am writing to confirm that I am sending the necessary documentation to prove my identity, in order to prevent the closure of my card. I kindly request a confirmation of receipt once you have received my documents. 

Please note that this message is not a complaint, but rather a proactive step to ensure my account remains active. 

Thank you for your assistance. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago, My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Formal Complaint Against EQUIFAX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against EQUIFAX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : XXXX Despite providing evidence that the charge off account is incorrect, EQUIFAX has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against EQUIFAX for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for EQUIFAX 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help I reached out to the bureaus on XX/XX/2023 and haven't gotten a response. I noticed so incorrect info on my report I'm getting upset! Also I dont know who these creditor are! I will list the accounts below! 

1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX