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

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for one of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically, your records inaccurately report the following : 30-dXXXX late payment in XX/XX/XXXX. 
60-day late payment in XX/XX/XXXX. 
These inaccuracies are reflected in the reports from both TransUnion and XXXX, while XXXX fails to report this account entirely. The remarks in your records indicate " Account was in dispute- now resolved - reported by subscriber, '' yet the errors remain uncorrected. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting. 
Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the correction made to my credit file. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action. 
Attachments : To assist with your investigation, I have included : Copy of my Social Security Number. 
Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I just visited online banking to see if credit reversal was made which I will be making a separate complaint for credit card when I discovered with out warning that the external bank accounts were deleted.
Product: Money transfer, virtual currency, or money service

I did a debit to debit transfer on XX/XX/year>, it is now XX/XX/XXXX and I still do not have my funds.I have contacted my card company and they searched for all incoming transfers and they saw none for the amount o was suppose to receive from Moneygram.When I check on my list of transfers, it still says processing even though debit to debit transfer I usually get in minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported to WELLS FARGO my bank accounts being used against my knowledge through Bank XXXX. Taken care of in XXXX XXXX & XX/XX/XXXX. Closed accounts & new accounts opened. 
Now XX/XX/XXXX WELLS FARGO ACCOUNT compromised. Phone number XXXX TEXTED me Regarding opening an Account in Arizona at XXXX XXXX XXXX  in a Purchase of over {$700.00}, using my XXXX XXXX XXXX Phone number and the first XXXX numbers of my WELLS FARGO Card # XXXX. That's my information. However, I did not approve or have knowledge of the purchase. 
I reported Identity Theft in XXXX. 
XX/XX/XXXX my SOCIAL SECURITY ADMINISTRATION LETTER was Stolen. I reported to USPS. Nothing Done. 
A new XXXX shows up on XX/XX/XXXX that I am not aware of. 
I've Reported to Police Department regarding FRAUD as directed by Social Security in XXXX. It's the same people who have previous thefts and falsifying information naming XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. All XXXX are in the same family. 
All are 44 years of age ( XXXX XXXX, to the age of XXXX XXXX XXXX ( XXXX ). I've reported before. XXXX XXXX was turned in to the FBI by my brother in XXXX or XXXX die to Lottery Scam Theft of my XXXX. Who had to file Bankruptcy for over {$160000.00} & now in XXXX we are battling another {$40000.00} signed debt from XXXX, which was given to XXXX XXXX. Testified to in Court by XXXX XXXX XXXX 11 regarding another Scam put on my Mother. Who is passed. The four named above are the same people who have used and caused me so many financial thefts, mail fraud, and phone Hacking, Internet Hacking. XXXX Reported twice in XXXX of an email trying to get into my XXXX Account. I researched the email address which was or still is a friend of XXXX XXXX XXXX ll. Who resides at XXXX XXXX XXXX XXXX, XXXX, NM XXXX with me. He's a XXXX XXXX XXXX male.
Product: Credit card or prepaid card

I was a victim of identity theft as well as unauthorized charges against this account which I already explained to this company. They have been charging unreasonable charges and fees when this company has been told to freeze this account because I requested an investigation and they neglected this matter continuing to charge fees to an account that was potentially compromised
Product: Checking or savings account

Capital one didnt no follow through on the terms of there 360 Savings account promising a percentage of 4.35 % on the account but to only had received a rate of 0.4  percent interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to Trans Union to investigate every piece of information on the accounts I have listed. According to the FRCA 15 USC 1681 everything must be 100 % accurate and a proper investigation was never done in which these items still remain on my personal credit report. Attached are a list of the accounts : XX/XX/XXXX {$590.00}, XX/XX/XXXX {$990.00}, XX/XX/XXXX {$370.00}, XXXX XXXX {$610.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$1300.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$920.00}, XX/XX/XXXX {$590.00}, XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$490.00}. I am also attaching the tracking number to the certified letter that was sent to Trans Union as follows : XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After several months, I was finally able to see that all but one of my loans were forgiven on XXXX. However, they are all still on my credit report.
Product: Credit reporting 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 Bank XXXX : # XXXX, Extra : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX IL # XXXX Credit collection serv # XXXX North XXXX XXXX XXXX XXXX North XXXX XXXX XXXX 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: Debt collection

sent certified letter to XXXX requesting a settlement of this alleged debt. did not receive any communication from XXXX regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. My data was part of Equifax data breach that alllowed unknown people to obtain my SSN and make inquires on my credit report. It also allowed them to take out a credit card in my name, XXXX XXXX XXXX which has been closed now but they refuse to remove it from my credit report. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

My driver 's license was stolen back in XXXX, and several bank account ( s ) were opened without my knowledge, and fake check ( s ) were deposited into said account w/o my knowledge. 

My personal number was XXXX XXXX  back in XXXX of XXXX, so I had to file a police report, and include a FTC ID Theft report with all of the account ( s ) that are fraud, and a notice to furnisher ( s ) as required by the FTC. 

I've gotten letters from the FBI Victim Services team, whom help me prepare the FTC ID Theft Report. 

Attached is the 4 total ID Theft reports ( each one has 5 bank accounts- FTC 's max per report )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to delete the collection account from XXXX   XXXX. We have no business with them nor did we owe them money. Our busines was with XXXX and we have no delinquencies with them nor have we ever had in the past. The XXXX XXXX account needs to be deleted by TransUnion now!!! We have been trying to work with them through their dispute process however they have failed to review and remove the negative rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts listed. I have submitted my correct address with a utility bill and I can assure that I am not a credit repair company nor am I a mortgage company. Please remove these accounts.
Product: Checking or savings account

I recently opened a checking and savings account with Laurel Road Bank. After XXXX deposits into the account my account was suddenly locked. I called to ask why and they said they need to verify who I am. I immediately sent them a picture of ID and also my social security card. I also sent a copy of my birth certificate just to make sue the process could be handled quickly. These funds I need to pay my bills and feed my family. They confirmed they received them adn then asked for phone records and phone bills. I am unable to provide a phone bill because my phone plan does not send bills to me. This is a XXXX week long process as of today and it has forced me into debt over 700 dollars. They provide no answer when I call and say the case is being reviewed. I call everyday for an update and they say the same thing.
Product: Credit reporting or other personal consumer reports

Hello, I have credit report queries that I do not recognize, I turn to this message for a solution or steps to follow to eliminate them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests ( written and online ) in the last 90+ days to LexisNexis/XXXX XXXX to freeze my consumer report and have received no response. My most recent attempt was XX/XX/21 via LexisNexis online portal. I have received no response or confirmation of my request. The headers of the attached documents show the date the most recent request was submitted and the date the site acknowledged my request. I have also attached the same documents provided in my previous written request to avoid LexisNexis using delay tactics like " we don't have the information required '' to avoid placing the freeze as requested. Finally, I have included the XXXX tracking numbers and certified mail receipt for the mailed request from 90+ days ago that LexisNexis completely ignored and did not return the return receipt.
Product: Mortgage

On or about XXXX/XXXX/16 and offer and acceptance was asked and granted on real estate in XXXX XXXX XXXX. The loan is a VA and loan application for property was submitted to Arvest Bank in XXXX XXXX, XXXX. The problem begins here ; the VA appraisal request was submitted to the VA Regional Office in XXXX, XXXX on XXXX/XXXX/16 and was due back by XXXX/XXXX/16. As of this date XXXX/XXXX/16 it has not been submitted to the bank or the VA, even though XXXX XXXX, and XXXX XXXX were on the real property, inspected the home and outlying buildings on XXXX/XXXX/16. The bank misspoke when I was told that the request for VA was given on XXXX/XXXX/16 for appraisal. The situation has cost me money, delayed shipping/moving problems with contract carrier, storage costs and extension of money spent in an apartment without hardly any of my household goods, including limited clothing. All of the belongings are in storage. The seller is having the same problems. 
The appraiser, XXXX XXXX and XXXX XXXX need to be dealt with. I have left several messages ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX to no avail. They have not returned any calls. I have filed a complaint with the VA in XXXX and assured me that the appraisers have violated the time constraints established by their dept. The bank, Arvest has not been forthcoming in their communications with me and are of partial fault in my thinking, due to a lack of communication and misspoken facts on the loan time and closing date. It was originally to be XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several significant inaccuracies on my credit report. After reviewing the report, I have discovered multiple errors, including incorrect account listings, inconsistent billing information, accounts that do not belong to me, and unauthorized inquiries. These discrepancies pose a serious risk to my financial stability, and I request your immediate assistance in addressing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to bring to your attention that all 3 credit reporting agencies Transunion, XXXX and XXXX are abusing their authority in keeping consumer credit scoring. I have been suffering financially because of the COVID-19 situation. I have been trying to fix my credit since XXXX so that I can borrow credit in order to sustain with family during this difficult situation. 
Just to sum it up, below are the ways they are making me suffer ; My credit scoring has not changed since XXXX. It is as if they have blacklisted me from gaining points I used my savings to pay off 3 collection accounts that were on my credit report. Although they have removed those collection accounts but the agencies are not returning around 75 points that they had deducted when the collection accounts got on my credit report There have been positive and negative events on my credit report since XXXX but they have not given me any points for positive developments Please help me out in getting this straightened out. This is the last thing the tax paying citizens need to worry about in this pandemic. 

I am attaching one of the correspondences I had sent to them in this regard. They have ignored my request in their responses. 

Thanking you ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX  XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

PNC is not allowing loans from XXXX
Product: Debt collection

I AM NOT LIABLE FOR THIS DEBT IT KEEPS BEING ADDED TO MY CREDIT REPORT AS A NEW DEBT IT IS ILLEGAL TO RE-AGE A DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations I reported 60 days XXXX  XXXX/XXXX XXXXDispute XXXX XXXX XXXX
Product: Student loan

As of XX/XX/year>, my student loan was transferred from Nelnet to XXXX. It was then put into forbearance until XXXX and my monthly payment increased 30 %. This occurred without my agreement and is an Unfair Act or Practice as defined by the CFPB. The bait-and-switch tactic of putting me into forbearance during the holiday, only to increase my payment 30 % once they are over, fits the CFPB 's definition of a Deceptive Act or Practice. Engaging in this practice while consumers are already struggling with the devastating affects of record high inflation fit the description of an Abusive Act or Practice. The fact this is all being conducted by an organization backed by the federal government is extremely disappointing. This could be grounds for a massive class action lawsuit.
Product: Checking or savings account

Conversations on the phone plus a face-to-face meeting in XXXX branch office XX/XX/year>. On that date I was given paper print-outs which verified my complaint. Today I phoned and was told no more time would be given to me. I persisted about why one CD earned interest in the 2nd quarter, XX/XX/year>, while the other one did not. The reply was that it was a mistake and that the interest would be removed. 
CD # XXXX " manually renewed XX/XX/year>, {$16000.00}. '' Interest to be compounded daily & posted quarterly. No interest earned or posted on XXXX 
CD # XXXX " new account deposit '' on XX/XX/year>, {$64000.00}. Interest payment XX/XX/year> {$170.00}. This is the interest " mistake '' that the bank employee will remove. 
I has asked branch employees what is a quarter. " It varies. '' " I don't know. '' " Ask ____. ". 
Also, I have no quarterly statements for XXXX CD 's. I bank online, but was told that statements have to be mailed. I protested, but I was told the only way to prevent mailings was to " suppress '' the statements. I agreed at the time, but now regret it because I realized that I had been fooled- I need quarterly statements. The bank will not provide statements online for me. XXXX time, the branch manager kept saying to me " you don't want anything online, '' and I repeatedly said " I want everything online ''.
Product: Debt collection

EOS CCA repeatedly contacted my home and cell phone numbers over and over allegedly regarding a XXXX account. The account was paid directly to XXXX XXXX. Someone named XXXX kept calling and was speaking so fast that she could not be understood. She became abusive and started calling more when she was told to STOP talking so fast and to STOP calling.
Product: Bank account or service

Wells Fargo 's last letter to me stated that I willingly put a check in online and it somehow appeared in a specific branch. Upon speaking with a customer service agent of another bank, that is impossible. When a customer takes a picture of their checks, they still have the check itself in their possession. So if you take a picture of your paycheck, and upload it to us bank. It does n't show up in XXXX if you deposit it online or via mobile in XXXX. When it 's a picture taken online or via mobile app, it is still visible to you. Unlike when you go to an actual branch, it is taken from you. But mobile banking and online banking both do n't have any way to put the check in any specific branch. I did not willingly put anything anywhere. Knowing that I have told their representatives I only get ssi, and knowing that nobody gets {$15000.00} in ssi, that would be logical that my account was highjacked. The most one person may get in ssi, may be about {$2500.00} to {$3000.00}, but no more than that. As well as they stated that if you report that funds were put into your account as an unauthorized access to the account, then as long as you report it within 60 days, it should be resolved. If they think willingness, is about giving permission, it is not. If I willingly put {$15000.00} in that account, and making only XXXX a month in ssi, I doubt I willingly put anything anywhere. How can I come up with XXXX, when at most, one could only get {$1300.00} from XXXX payday loan companies? {$730.00} + {$1300.00}, equals nothing close to {$15000.00}, and the person who put it in there is XXXX XXXX, in XXXX, I do n't think that 's logical. And also, they state that in their funds availability policy, that any amount over {$5000.00}, is to have the first {$200.00} available the first business day after that was deposited, well then if that be the case, mine were available the first day they were put in. XXXX XXXX is the check issuer, but that check holder is XXXX in XXXX. And by federal law, he should be in prison for committing a purposeful fraud against wells Fargo. But wells Fargo looks at me for fault, when the last time I 've travelled outside of XXXX, is when I was a very going minor child. The check was unclear to me online. I do not know any XXXX XXXX, with XXXX XXXX in XXXX. Willingness is not permission. If what they state is true, then why was the check from an XXXX account, and XXXX address. And what about the check being from XXXX XXXX, in the fact, that they refused to hand over certain information that would have prevented me from being held liable.
Product: Debt collection

The companies listed below are reporting fraudulent inaccurate information on my credit reports with XXXX, XXXX, and XXXX. I have requested that they provide the " PURCHASE AGREEMENT '' to show full ownership of such accounts and also other documents so I May review them to see if these accounts belong to me.

These are the companies that are currently reporting fraudulent inaccurate information on my credit reports ; XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$770.00} XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$1100.00} XXXX ; Reported : XXXX XXXX, 2024 - {$1600.00} XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$5100.00}
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act convergent account numbers XXXX, XXXX and 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. 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

This is the XXXX invoice sent to this company and the company 's registered agent. If I don't receive a response, I will pursue this in court along with my exhibits.