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

XXXX  # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I accidentally transferred {$870.00} via XXXX through my Wells Fargo checking account to the wrong recipient by entering the last digit of the cell number incorrectly. I realized the mistake immediately upon checking with the intended recipient and being told they had not received the payment. I then texted and left a voice mail message to the incorrect cell number alerting them to the inadvertent transfer and asking them to refund it to me, but I have received no response and the funds have not been returned to me. I also immediately notified Wells Fargo and filed a claim siting the Electronic Fund Transfers ( Regulation E ). Wells Fargo opened a claim to investigate the situation. I called Wells Fargo on XX/XX/year> and was told the claim was denied and my funds would not be refunded because I had made the mistake by incorrectly input the cell number.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( FPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, Experian 's inaction violates federal law and my rights as a consumer
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Checking or savings account

My husband passed away in XXXX, XXXX. The day after he died, there was a fraud alert on our credit card. When I called to discuss, Chase told me that I could not use the card because it was in my husband 's name and I was just an authorized user. On the day of his funeral, a fraud alert notice came through for my debit card, with a notice that the debit card was canceled. I understood the issue with the credit card because over the years Chase had refused to allow us to combine all of our accounts for online banking because the credit card was my husband 's and the rest of the accounts were mine. Prior to closing my account in XXXX, I transferred the remaining balance from my checking account to my new bank. Chase did not conduct that transfer. Instead, they issued a check in my husband 's name for the balance ( {$2600.00} ). My new bank would not accept that check, so I contacted Chase to reissue the check in my name. I talked with them in XXXX and again in XXXX. Chase told me that my husband was the primary holder of the checking account and I would need to open an estate account with an LLC number. My husband had no assets of his own to probate and I had already paid off our equity line and credit card balance. There was no other debt. The checking and savings accounts were mine from the beginning. I opened my accounts in a previous bank that eventually transferred through acquisition to Chase. My husband was added after we bought our house in XXXX. It appears that Chase arbitrarily identified my husband as the primary account holder, even though they refused to combine our accounts online because the credit card was his and the other accounts were mine.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on TARGET/TD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. There was definitely an error on their part. Here are the lists of the erroneous accounts reporting on my Credit Report : TARGET/TD XXXX Opened : XX/XX/2013 Balance Owed : {$1300.00} ; TARGET/TD XXXX Opened : XX/XX/2013 Balance Owed : {$1300.00}
Product: Credit card or prepaid card

The pentagon Credit card seems committed fraud against credit card holder, usually it takes three business days for pending transaction to post and when it post will be added to my balance but now since XXXX2017 Pentagon Creditcard about {$600.00}, transactions that posted it doublicated and stayed pending and the charges added again to my balance, I called pentagon creditcard I told the rep if you check my current and recent charges ( they are categorized differently and shouldnt doublicate and if the charge post it should automatically changes from pending status and only once can be added to balance and if these transactions happens to be at month end shouldnt THE INTEREST SHOULDNT BE CHARGED TWICE and closed because Im being charged interest twice and it is fraud, eventually the pending charge will dropped but the interest charges already calculated twice at closing monthly statement, THIS IS FRAUD, Im attaching two exhibits Recent and Current transaction during monthly closing statement with twice interest charges.
Please review the exhibits the extra interest calculated in closed monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documents showing that this account have reported several months different from what they have been trying to collect as well as they haven't sent me all the documents to validate this debt and it has been over three months while they send me bits and pieces of documents. It should have been deleted after the first 30 days of them not sending any validation documents.
Product: Debt collection

This company continues to report this debt by passing it around to shadow companies they own. West Asset Management owns XXXX credit collections and they have resubmitted a collection to my account they removed from my credit profile. They did not send any notice or an explanation as required by law .... This is the same as this complaint with this agency. Case number : XXXX
Product: Checking or savings account

Today I have contacted y'all about my claim Date,XX/XX/20 Transaction,27 Transactions in Claim Amount, {$320.00} Claim Number,XXXX Status : Closed some agents telling me a different story. Some say that some of the payment wasn't billed. I already got all the credits to the claim, and some say that the old claim got created into a new claim with a new case number that is still under review, and I am confused ; I don't know who to believe.
Product: Credit reporting or other personal consumer reports

Chase Bank had a hard inquiry for a Disney credit card on XX/XX/2023. I called XX/XX/2023 concerning it. I was sent a identity theft packet. Was also told it would be off if found to be fraudulent in which it was. Nothing happened.
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 XXXX, has violated my rights, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights, Account name : XXXX XXXX # XXXX has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX XXXXXXXX has violated my rights, Account XXXX : XXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX  # XXXX, has violated my rights, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXXXXXX XXXX XXXX XXXX, has violated my rights, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX XXXXXXXX, 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: Credit reporting or other personal consumer reports

The information they are reporting is incorrect and inaccurate.A real true debt validation is send all info being requested by the person being accused of owing debt Im requesting the History of the account.I want all my account statements Which will show the balance of the account I dont want an itemized statement.I want all my statements for history of the account.If you cant supply this delete the file from all 3 credit reporting agencies.

I want all the notes that is on the account .I want the original credit card agreement with Terms and conditions Why wasnt I given any pandemic relief.They didnt help me during the pandemic pay off the debt .They didnt offer any resolution or care act.All this will be brought up.If I choose to file a lawsuit.I will then request legal discovery and subpoena what Im askingIm willing to pay the {$400.00} to take this to federal court.They filed a case in District court i guest to intimidate me.Which should be a violationThis incorrect and inaccurate stuff on my credit is a violation of my civil rights and FCRA and FDPA.

A federal lawsuit will be filed if this isnt investigated.If Im not given what Im requesting
Product: Debt collection

I hope this letter reaches you well. I am writing to dispute and urgently request the removal of fraudulent accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The unauthorized accounts, reported through identitytheft.gov, have been acknowledged by the respective banks as invalid. However, the prompt removal is yet to be processed by your bureau.
Product: Debt collection

The company IC systems reported a collection account to my consumer report with the proper notice, giving me the ability to exercise my federal consumer rights to opt out of reporting or to dispute asking for proper validation. 15 usc 6802 ( b ) The company is reporting an account open as of XX/XX/XXXX. This account was originally on my account from XXXX or prior. The dates were changed and re-aged. The account isnt reporting date of last delinquency and reporting a negative payment history which is resulting in a defamation of character and causing me to be denied for new credit applications. This account is affecting me negatively.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX As per the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies discharge their significant responsibilities with equitability, impartiality, and due regard for the consumers right to privacy. XXXX, Transunion, and XXXX are recognized as consumer reporting agencies, and I, in turn, am the Consumer. I hold the prerogative to safeguard my private information, a right reinforced by 15 USC 6801, which stipulates that Congress deems it a policy for financial institutions to proactively uphold customer privacy and safeguard the security and confidentiality of their nonpublic personal information.

As defined within that statute, a 'Furnisher of information to credit agencies ' indeed qualifies as a financial institution. Section 604 ( a ) ( 2 ) of 15 USC 1681 delineates that, with exceptions noted in subsection ( c ), a consumer reporting agency may furnish a consumer report exclusively upon receipt of written instructions from the concerned consumer. Both the 'Furnisher of information to credit agencies ' and the consumer reporting agencies XXXX XXXX Transunion XXXX and XXXX lack my authorization to provide this information, and certainly do not possess my written consent. 

Furthermore, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise a nondisclosure option. The 'Furnisher of information to credit agencies ' never informed me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency may include certain adverse information in a consumer report, unless authorized under subsection ( b ), and such information can not extend beyond a seven-year timeframe. The inclusion of this account as an adverse item without my consent is a violation of the law.

Moreover, in accordance with 15 U.S. Code 1681s2 ( a ) ( 1 ), it is prohibited to furnish any information regarding a consumer to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S. Code 1681e mandates that every consumer reporting agency must establish reasonable procedures to prevent breaches of section 1681c and restrict the provision of consumer reports to purposes listed under section 1681b. 

Regrettably, XXXX, Transunion, and XXXX are not adhering to these reasonable procedures. Lastly, in line with 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any given time. I hereby exercise this right and opt out of your reporting services.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with using Zelle for money transfers. Zelle nor my banking institution took my complaints seriously in regard to an incomplete transaction and refused to reimburse my funds. Therefore, I was just out of the initial money sent and still had to utilize another method of money transfer. Meaning I was out of double my money.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EQUIFAX to let them know that my score havent been updated since XX/XX/2022 they are doing damage to me personally I need my credit update this is the last request I have called a law on this problem I also talked to a gentleman on XX/XX/2022 and he told me would be updated in 3 to 4 hours never happen
Product: Debt collection

NCB has called repeatly to my work, which I have asked to stop. Calls are threatening for a debt I do not owe. Mutiple calls daily.NCB has even called my child 's cell phone.
Product: Vehicle loan or lease

The vehicle was XXXX XXXX in a XXXX XXXX at XXXX XXXX on XX/XX/XXXX.  XXXX totaled the car and called Santander to request a payoff quote that was 15 days out. My son and I where advised that our account would be documented and the car company would deal with the insurance company once I provided them with the policy and claim information. We signed over the title to XXXX and received our check portion to go and obtain another car. The day we signed over the title POA was on XX/XX/XXXX. It was our understanding that the check would be sent to Santander and XXXX would receive a salvage title. I have had no additional communications with Santander until today when one representative called me to inquire if I had receive any funds from the insurance company. I advised I had weeks ago and that XXXX told me they would send out there check. They stated they had been calling XXXX for weeks and needed a status. I advised I would call XXXX and obtain some information. I received the check information. The check number is XXXX for {$3200.00}. I processed to call Santander back with the information I obtained. I then spoke to XXXX who advised me that my credit report would be damaged because the check had not been received. She also proceeded to tell me that they had already been in communication with XXXX and they did not send out their authorization until XX/XX/XXXX or XX/XX/XXXX, which was well after I signed my documents releasing us from the title. The payment becomes 30 days late as of XX/XX/XXXX. However, this is the first call and conversation I had with Santander and felt harassed to provide a payment I did not know I owed as I did not receive any mail, voice mail or email concerning a delay in the payment. My portion was done. We took the funds we got put 97 % towards the car and paid over {$350.00} for insurance. Now, I am being told I need to make a payment for a loan that should have already been paid off. But due to Santander 's delay in getting the necessary docs out, I am being called to collect. I am confused. When is it my fault that you did not send the paperwork off until 5/6 days later. How am I suppose to come up with money I did not know I owed? At no time did any advise me to continue to pay until the check was received. I feel like I am being bullied after an accident that we are still receiving medical treatment for. I am bringing this up to my attorney as well because I feel XXXX  XXXX and XXXX from this whole experience. I do n't understand that if they had already spoke to XXXX why did I receive the call. If they already knew the check was in the mail what were they expecting from me. The last I talked to this company was around XX/XX/XXXX or XX/XX/XXXX. I provided with the information they requested concerning the claim. It has been almost a month and now you want to call. There has been no letter in the mail explaining our next steps, what we should continue to do or follow up with the insurance company. I feel like this company believes I should read their mind.
Product: Vehicle loan or lease

So I bought this XXXX XXXX XXXX From XXXX XXXX on XXXX XX/XX/XXXX First of all the car was highly overpriced for what the value of the loan is. I pull up the XXXX XXXX book value of the car is XXXX dollars they sold to me for almost XXXX and with so many problems like the engine is messed up and door behind the driver is broken.. Engine and light in front is broken I havent had this car for even three months yet and it has so much problems. To make matter worse I got sick and had to spent time in the XXXX Im behind on payment and company refuse to lower my payment to what the car actually worth or give me a deferral for 90  days This car is lemon and if I can get this resolved through this XXXX  Im planning on taking the legal advice that was given to me to pursue both company. Also this company call me XXXX to XXXX times a day during my resting part.. They harassed me everyday
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally complain about Equifax 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX account, number XXXX. These errors are negatively impacting my credit score. 

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), Equifax is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment records are incorrectly reported on my credit report : XXXX : 30 days late XXXX : 30 days late These inaccuracies must be corrected, and I request their immediate removal from my credit report. 

I formally request that Equifax provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX After reviewing my credit reports I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX XXXX account XXXX. PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX XXXX XX/XX/XXXX however Equifax STATES I was XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX states I was late XXXX XXXX XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act.

15.US Code 1681e- Compliance for Accurate reporting.

Please correct to paid never late or remove account
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied and was approved for a modification on my equity line of credit which was about to balloon. I made all trial payments to the Bank of America. The bank marked me as late both 30 and 60 during the time period when I was making my trial payments. I was never late and fully complied with the bank 's requirements. They have continued to report me late, ruining my credit and now can not refinance my home. I called the bank and spoke with customer service several times only to be shunted around from person to person.