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

I was being scammed and one of the transactions involved a money wire transfer from my account at XXXX XXXX to an account at XXXX Bank in XXXX Wisc. in the amount of {$23000.00} on XX/XX/2021. XXXX recognized that the recipient account was a fraudulent account and stopped the transaction. Now XXXX is holding the money and has made it literally impossible to get back. XXXX wants a Hold Harmless Letter from XXXX XXXX to retrieve the money but XXXX XXXX doesn't do Hold harmless letters and so XXXX wont deal with them. They won '' t even talk to me because I'm not the recipient account holder. They've admitted that it's my money but they won't give it back. They've made it literally impossible for me to get the money and it will sit there forever because no one can claim it but me. They claim that a Hold Harmless letter is a standard bank to bank process but XXXX XXXX doesn't recognize it. 
The contact info at XXXX is XXXX XXXX XXXX, Financial Crimes Investigator -Financial Intelligence Office XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX The recipient account info is XXXX Bank XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX Account # XXXX Routing # XXXX XXXX XXXX XXXX All they tell me to do is to do whatever XXXX XXXX tells me to do. All XXXX XXXX tells me to do is file a police report which I did. It did absolutely no good. I have documents but I'm having trouble uploading.
Product: Debt collection

I received texts from a company claiming to be Shepherd Outsourcing and that they were representing XXXX XXXX XXXX XXXX as a debt collector for a XXXX account. I deleted the first text thinking it was junk as I don't currently have a personal account, nor have I ever had XXXX, with XXXX. Yesterday I was sent another text from them and also received an email from XXXX XXXX  saying there was a hit to my XXXX XXXX due to a claim from XXXX XXXX XXXX XXXX. Normally I would have continued to ignore requests, but seeing that it was on my credit report I called the number that was texted to me for XXXX XXXX. 

Today ( XX/XX/XXXX ) XXXX XXXX informed me that there was a balance of {$530.00} due for an account that was opened on XX/XX/XXXX and closed on XX/XX/XXXX attached to a phone number with the last XXXX digits XXXX and also connected to an email address of XXXX. This was not an account I ever opened, a number I ever had, nor an email address I ever was connected to. Sounded like a stolen identity case, so I let them know I was going to call XXXX to try and find out more. They offered for me to pay half of the original amount at that moment to close the claim entirely. I passed on the offer and let them know I'd like to speak with XXXX first. 

When I called XXXX, they couldn't seem to find any information or accounts with my name and info with the last XXXX digits of XXXX or the XXXX account. They asked that I reach back out to the " collection agency '' to obtain more information about the account they were requesting the balance for. 

I tried to call XXXX XXXX back ( this was about XXXX minutes after the initial call with them ) and there was no answer saying their office was closed, but that normal business hours were until XXXX XXXX time. It was XXXX XXXX  which would have been XXXX XXXX. 

I believe this to be a false claim made with only small bits of my personal information that they have access to. I did not give them any personal information, but did verify information such as address and last XXXX of XXXX when they recited them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have recently paid off a Joint US Bank 20 year loan for an RV originated XX/XX/2004 4.5 years early. The loan history is perfect on this account, never late or missed a payment. During the course of this loan I had a bankruptcy. The loan was reaffirmed and the account was never once compromised to this date. US Bank refuses to report this account to the Big 3 Reporting agencies because of the bankruptcy filing knowing full well the account was never compromised at any time. I have talked to everyone possible within US Bank trying to resolve this issue. I feel like I'm being discriminated against and being dealt with unfairly regarding this matter. All I want is the excellent payment history to be reported to the credit bureaus fairly. 

Thank You
Product: Student loan

I have a loan with Navient which use to be XXXX XXXX. I 've had this particular loan since XXXX XXXX 2008 and it was used for when my daughter went to XXXX XXXX XXXX because she had a very hard time learning how to read because of her XXXX. My father had to be a cosigner on the loan but all this time I 've been making the payments on time and by direct deposit. At first my interest rate was at 6 % variable and then it was at a 6 % fixed and now its at a 12 % variable. It seems as once I get close to paying the loan off they go up on the interest rate as well as lower my direct deposit payments so that I 'm paying the loan off slower and slower. So far I have had this {$5200.00} loan for eight years and I 'm trying to see if this company is scamming people to keep them in their loans longer so they can keep collecting money or using the same tactics they were using when they were named XXXX XXXX. Please help!
Product: Debt collection

Date : XX/XX/XXXX Reference : Harassing Robo Calls Frequently Complaint on : Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX Utah XXXX, XXXX. Debt Collections I have received frequent Robo telephone calls from Synchrony Bank on my business telephone. My call log on my report shows calls received from Synchrony Bank as early as XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I have telephoned Synchrony Bank and ask them to do not call my business telephone number. I do not have ANY business with Synchrony Bank. I have no open accounts or past due accounts with this bank. On XX/XX/XXXX at XXXX XXXX, I call Synchrony Bank at XXXX and I spoke with XXXX ; she placed my call on hold for more than two minutes, and she did not return to the call. I am requesting your assistance in getting this issue resolved. 
Thank you.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$59000.00} DXXXX XXXX XXXXXXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I looked at my TransUnion credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate, when noticing this and knowing that 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 ) Therefore, 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 15 USC 1681s-2 they are NOT suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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

I was in a accident in XXXX. I have loan with XXXX  XXXX. They have no remorse for there customers. Im trying to refinance my car to go to another bank but I cant because I was reported late to the credit bureaus. This is a severe situation. I believe there ploicy is to keep you with them. I pleaded with severe hardship.I lost an XXXX and Im so distaught my family is to I need help please I need the XXXX late removed please
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are two collections on my credit report. I have never received bills from this office, I have had health insurance since 2010. I do not owe this money. Also, there are two negative reports that I believe are the same bill. I have tried to call them numerous times. The voicemail box is consistently full.
Product: Checking or savings account

On XXXX XX/XX/XXXX XXXX I tried to open Hancock whitney checking account online using a promotion. It requires {$25.00} deposit from another bank. I tried to transfer {$25.00} from other checking account - one from XXXX XXXX and another from XXXX. It failed. I also tried to transfer from debit card but it didn't worked. 
Today I called Hancock whitney, they transferred me to online/digital team but they were also of no help. Only suggestion/help - to drive almost 20 miles to go to their branch to do this work. It's ridiculous that as a bank- Hancock whitney doesn't know how to do ACH or debit card transactions? 
Moreover- why not open the account and then ask customer to find it later ( within a week or so ). Other banks are efficient- i can always push {$25.00} from my other bank account to this newly opened bank account.
Product: Credit reporting or other personal consumer reports

I am writing to request a correction of the following information that appears on my XXXX, TransUnion. I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. 

XXXX and Trans Union sent a response saying their verification came through XXXX ( attached copy ). When contacting XXXX their response was UNVERIFIABLE ( attached copy ). I have also attached letter from courts stating XXXX or Trans Union has never contacted them to verify information. 


The law is clear : If the CRA can not validate the information with the information furnisher, the CRA must remove said information from the credit file. According to the FCRA I have the right to an accurate consumer /credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX/XXXX  # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX, Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX. # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name XXXX XXXX XXXX XXXX  # XXXX XXXX5 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

We had an account with Capital One credit card which was closed in XXXX. Since then, credits from purchases have appeared on the closed account. Despite our efforts to retrieve the money, the credit card company has not returned it, citing system issues and computer difficulties. We have been exemplary customers, paying every single bill on time for the past eight years. Currently, we are not receiving any interest for the money being held, and this situation is causing significant inconvenience for us.
Product: Credit reporting or other personal consumer reports

The adverse rating on my account is a source of considerable alarm. I'm gravely concerned about its detrimental effects on my credit standing. This negative mark has already led to the rejection of a recent loan application and escalated interest rates on my current credit accounts. The financial hardship and emotional toll this unfavorable rating has inflicted, and will continue to impose until resolved, can not be overstated.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX  report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Collection/Chargeoff Other {$7000.00} Status Date Reported XX/XX/year> Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX XXXX Account XXXX Not XXXX Responsibility Individual Age Of Account 1 Years, 1 Months Credit Limit Not Reported Highest Balance {$7000.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

I am writing to formally dispute the validity of the collection account referenced above. According to my records and the information I have received, this account is [ inaccurate, incorrect, not mine, or otherwise invalid ]. Please consider this letter as a formal request to investigate and validate this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide documentation proving that this account belongs to me, that the amount is accurate, and that your agency is legally authorized to collect it. Additionally, I request that you cease all collection activities while this investigation is pending. 

If you are unable to provide valid documentation within the required 30 days, I request that this account be immediately removed from my credit report and that you cease all collection activities. Additionally, please notify the credit reporting agencies to update and delete this account from my file. 

I look forward to receiving your written response, including the requested validation, within the legal timeframe. Please communicate with me in writing only. 

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

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. The Credit Bureaus have failed to send me copies of documents I have been asking from them. I have also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

At the end of XXXX I was made aware of some inaccurate information on my credit report due to Identity Theft. I filed a FTC Complaint and Police Report around XX/XX/XXXX. I sent these to the Credit Bureaus to remove the related information. After multiple phone conversation and filing of complaints the Bureaus removed multiple incorrect addresses, names, and inquiries from my report. Include in the FTC Complaint was a Collections for XXXX ( XXXX XXXXXXXX XXXX ), they company stated the information was accurate and did not remove it. I have followed up with multiple letters and calls asking them to provide me with information that was used to verify the account. They are refusing to provide me with that information. I've attached a copy of the letter I sent them on XX/XX/XXXX, I have certified tracking showing they received it XX/XX/XXXX. Before filing this complaint I talk with a supervisor in their Fraud Department and he refused to furnish any other details.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Lead BA. Account Number : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Bank 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I set up auto pay in XXXX, but the billing did not occur until XXXX and another payment was submitted in XXXX. The payment for XXXX was never actually submitted at the time of my auto payment subscription. I spoke with the bank ( Vystar credit union ) and paid my XXXX bill. They refunded me the late charges and said to submit a dispute here to get it off my credit.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s 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 correct payment history. Update the account/s below : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Medical billing service XXXX or laboratory entered wrong insurance identification number on insurance claim form when submitting claim. Insurer denied the claim and informed me I was not liable for amount ( {$500.00} ). Billing service waited too long to file an appeal and began sending me notices. I contacted billing service and explained situation. Also, arranged conference call with insurance company and billing service. Insurer informed billing service I was not responsible. Billing service turned debt over to collection agency. In XXXX 2015, collection agency reported debt to credit report companies XXXX, XXXX and XXXX without stating that debt was disputed and without contacting or informing me. I sent collection agency letters and proof from insurer that I was not liable.Collection agency stopped billing me. I just found out that the debt appears on my credit report and has affected my credit.
Product: Credit card

On XX/XX/XXXX I sent a payment for {$4000.00} to pay off my account and on XX/XX/XXXX usps tracking shows it was delivered to them. On XX/XX/XXXX I had to make a phone payment and they added interest fee though my payment showed delivered to them. I filed a dispute with you guys and it got reversed. I had to cancel the check amd make my payment over the phine for the {$4000.00}. And they added a finance charge again. I feel like they are just adding interest even though they lost my original payment since I can show I sent my full payment on XX/XX/XXXX I want yo add they gave me a provisional credit which they reversed am they did the same with finance. They credited over {$80.00} dollars and added a little over {$60.00} dollars. It is not my fault they lost my payment.