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

I sent a dispute letter each addressed to the Credit Reporting Agencies on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed fraudulent items from my Credit File in accordance with the FCRA section 605b. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft theft. I am submitting this CFPB complaints to exercise my rights in accordance with the Fair Credit Reporting Act section 605b, and requesting that the Credit Bureaus remove the disputed accounts and information as soon as possible. Please investigate and remove the following items from my Credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} KOHLS/CAPONE XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX If the Credit Bureaus would claim that the disputed accounts belong to me, I request that the Credit Bureaus send me copies of proof of verification or any documents that has my signature on it to prove that the disputed account belong to me. And if the Credit Bureaus are unable to find such document, please have the disputed items deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

I bank with wells fargo and on XX/XX/2023 i reported a fraud claim to wells fargo of a sum of {$4100.00} and they informed me they would be looking into it and told me itll take 10 buisness days or less to resolve the issue. I receive a letter by wells fargo informing me that these transactions were authorized by me and my claim has been closed. These transactions were not authorized by me and wells fargo has made it very clear they dont have any interest in reimbursement.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, Equifax, and XXXX multiple times, but the errors persist. Despite my repeated attempts to resolve this, no meaningful action has been taken to correct the discrepancies. 

The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the failure to investigate disputes within the required 30-day timeframe, resulting in delays in correcting inaccurate information. 

15 USC 1681e ( b ) : This challenges the accuracy requirement, as the credit bureaus failed to ensure that the information reported was as accurate as possible. 

15 USC 1681c ( a ) ( 5 ) : This challenges the reporting of outdated information, which should have been removed after the legally required period, but continues to appear on my credit report. 

I am requesting that the CFPB investigate these violations and ensure the credit bureaus comply with the Fair Credit Reporting Act by correcting the inaccuracies and ensuring timely, accurate reporting.
Product: Student loan

I requested a review of my Public Service Loan Foregiveness qualifying months a year ago. I have call several times since then to ask if it had been completed. This review has still not been completed and XXXX XXXX XXXX is unwilling to provide me with a general timeframe. 

I was also told around XX/XX/2018 that the months that I overpaid on from my determined monthly payment amount would be reimbursed to me after my foregiveness was in effect. I have since been told this is wrong and mocked for asking this question. I am rarely treated with any sort of respect when I call XXXX XXXX & often given misinformation with no offered apologies. XXXX XXXX never seeks to offer a solution to issues that they cause. They are also unwilling to provide me with copies of narratives from when I called in without a sopeana.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my information and pulled hard inquiry on XX/XX/2018 without my permission.. 
I want my hard inquiry to be removed immediately..
Product: Credit reporting or other personal consumer reports

Amex XXXX XXXX XXXX  shows as Card servicer reported over the limit when overage has been caused by annual fees this violates... 

XXXX Requirements for over-the-limit transactions. 

This caused a nearly XXXX point drop in my credit score causing harm to me financially resulting in a lower credit tier and the negative impact to my ability to obtain house rental approval. 

I would like like reporting removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting bureau reporting inaccurate information on credit report this account was paid to the original creditor paid in
Product: Checking or savings account

I deposited a check on XX/XX/XXXX via mobile deposit with XXXX XXXX XXXX. The check was from XXXX. I was not told when it would be available. I contacted the institution on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, but that I could reduce that by a day by linking an account. I did so. I called on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, and that linking the account made no difference. On XX/XX/XXXX the funds were still not available. I called and was told that since it was a new account, funds would actually not be available until XX/XX/XXXX. After I pointed out that the depository agreement did not state this, I was told that the problem was actually that they were unable to verify the funds on a XXXX check ( from the financial institution ), and that the funds would not be available until XX/XX/XXXX. I have been given multiple reasons why a check from a different bank can not be credited to my account, and a multitude of dates as to when it will be available. I want this money credited to my account.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX  is reporting late payments every single month on an account that has been closed. I have reason to believe this company has an intent to charge this account off of speedily. I noticed they notated XX/XX/2024 as " 90 days '' past due and the month XX/XX/2024 as 150 days past due. These behaviors are violations of the Fair Credit Reporting Act per 15 USC 1681s-2. Past due payments reflecting from " 60, 90, 150 '' days past due are not supposed to be reporting while an account is closed. XXXX XXXX is reporting this information as if the account is still open. This is both fraudulent and malicious. The account is closed but also does not report a " XXXX '' notation in the payment summary that will correctly indicate the account being closed. It just continues to report late each month eventually leading into " charged off '' status. XXXX XXXX  appears to be reporting an inaccurate account with actual knowledge of errors. I believe they're furnishing this inaccurate information to my consumer report intentionally. XXXX XXXX  is reporting this information unfairly and illegally. Please see supporting documents attached to this complaint.
Product: Credit card or prepaid card

Tried to dispute the {$200.00} charge fee from XX/XX/2023. 

See attached
Product: Credit card or prepaid card

I requested a credit line increase on my existing credit card with Barclays Bank Delaware. I was never told that such a request would result in a " hard inquiry '' on my credit report. However, such a hard inquiry was in fact completed by Barclays Bank Delaware. I requested Barclays Bank Delaware reverse the hard inquiry, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..XXXX   XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Account Balance : {$32000.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I purchased a firearm thru XXXX XXXX using Credova which was marketed as a buy now pay later program, In the contract given to me it stated there were XXXX items, when i only purchased XXXX firearm, the documents given to me by XXXX XXXX XXXX, who Credova gave my debt to or whatever, state that the open balance is a little over XXXX dollars, when the firearm i bought and received is worth over just a little over XXXX dollars, this loan is a 0 % APR loan, so logically the open balance should only be XXXX or so dollars, the worth of the firearm. When I spoke with someone at Credova on XX/XX/XXXX, they said that because I went past the 30 day " buyout Period '' at the start of my contract, it DOUBLES the amount of the purchase, that's the verbatim reply of the customer service rep. That sounds absolutely CRIMINAL! No where on the contract does it say " the items value will be doubled if this Early buyout method is not used '', its criminal! XXXX forbid a lawyer takes a look at this!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I did a a dispute with XXXX about XXXX XXXX XXXX. I stated this debt collector did not notify me in anyway before placing a tradeline onto my account. I then called XXXX to dispute this, and i just received an update that nothing was changed. 

1.What did XXXX do to investigate? 
The debt collector does not have any documents proving they can even collect on this account, the are awaiting the original creditors to provide them with documentation. 
Also, If they don't have the documents, then XXXX did not properly investigate my claim and I'm seeking the maximum compensation. 

Read attached documents proving the debt collector does not have proper documents to place anything on my credit file, also violated the law by not contacting me first.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX U.S.C XXXX section XXXX A. XXXX 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

XXXX Experian and XXXX XXXX have reported unauthorized inquiries on my report. Inquiry dispute letter attached
Product: Credit reporting or other personal consumer reports

Please provide the documentation that DEPT OF EDUCATION provided stating I was late making the payment. All payments were autopay and never 10 days past due to report.

According to 15USCCODE1681b and 1681c2 to report this account you must have proof of me making a payment late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some inquiries pop up on my credit report that I did not do or apply for it was fraud I would like to dispute them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these are fraud I would like it removed please
Product: Checking or savings account

Since the beginning of XX/XX/XXXX I have been in a relentless battle for the recovery of fund 's upon the closure of my Citibank savings account. Literally from talking with customer service over the phone to visiting at least 2-3 branches in XXXX XXXX , NV. I can get no where with them and they refused time and again to pay me back the money owed upon the closure of my account due to suspicious activity of my account related to fraud only they have absolutely no evidence I was responsible or to be found at fault as they have alluded in relation to our partnership. My cell phone number has recently changed to XXXX could someone please contact me so that I am aware of how to get my money back from them. It's been a very long time for someone to be owed {$2000.00} without a reasonable explanation as to exactly why and how can I help aid in the process of recovering my funds owed to me. They should be penalized as well as pay the interest accumulated upon holding my finances away from me. Institutions such as Bank 's should be held to the highest of standards in relation to other forms of service to the public especially regarding our hard earned money we are kept hidden from us with no clear end insight. As far as I am concerned the fund 's should be directly electronically deposited into my active Checking account with XXXX XXXX ASAP. They also should be fined {$100.00} daily everyday after they reach a 2yr period having denied previous customers like me there money. I'm a poor person living off my XXXX each month and have been homeless the past recent years gone by so it's been a long hardship having my day 's without money and able to pay for an apartment simply because they decided to hold indefinitely what could easily have been 1st and last month rent, but forced to stay in the streets because the incompetent nature a big corporation such as Citibank deserves to be held to the responsibility of an ex-client with no answers or fund 's in sight since at least XX/XX/XXXX to present day. This is unacceptable and should not be allowed further to myself or other 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

CB INDIGO/GFXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Upgrade , Inc. for their failure to properly notify me regarding two of my accounts before reporting late payments on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Specifically, Upgrade , Inc. has violated the following provisions of the FCRA : 1. **Section 623 ( a ) ( 1 ) ( A ) ** : Upgrade, Inc. did not provide accurate information regarding my payment history.

2. **Section 623 ( a ) ( 7 ) ** : The company failed to notify me of their intention to report the late payments, which is a requirement prior to submitting such negative information to credit reporting agencies.
Product: Debt collection

I included all of my WF educational financial services in my chapter XXXX bankruptcy that discharged in XX/XX/2019. The loans were not backed by the department of education, a non-profit and most of the loan proceeds were spent on non-qualified education related expenses per the bankruptcy code. WF did not object to the discharge nor make any claim towards the debt. The case is still open due to a stipulation I am paying to the trustee and the automatic stay is still in tact. I however am also trying to rebuild a positive credit history. I called WF and disputed the credit report twice. WF informed me on the phone two weeks ago that they do not intend to collect or sell my account to a third party however they are all still reporting past due on my credit report which is hurting my ability to refinance and obtain new credit to build a new positive history. I have repeatedly asked them to change the reporting on my credit as closed and not past due I will never be able to reestablish credit with all these loans reporting past due and I think it is a backwards attempt at collecting a debt while the automatic stay is in effect which in violation of the bankruptcy code and fair credit reporting act and debt collection practices. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated TILA, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. Presto would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputed Presto 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.
Product: Credit reporting or other personal consumer reports

In XXXX, These loans were. 
Originally taken out under false pretences. At the time I had not received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To attend college, it is one of the apartments that you prove you have received A XXXX XXXX XXXX XXXX XXXX 

I submitted XXXX XXXX XXXX # XXXX, And when I spoke with someone they said that they had XXXX years to review my case. This loan has been on my credit account for over XXXX years and can Take another XXXX to decide to remove. 

When this loan was originally applied for, Whoever was doing the intake information Failed to do some verification. I never received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I am currently in the process of getting my XXXX XXXX only XXXX of the XXXX tests have been passed. 

Therefore the loans received for college that I never had permission to be enrolled in, Are negatively effectiving My ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I may be a victim of a XXXX XXXX fraud As my suspicion grew - I informed my bank that its possible the XXXX wire transfers I sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are fraud companies - stealing my money and the funds are NOT going to a XXXX XXXX account This is because when I went to withdraw ALL my money out of that XXXX XXXX  account on XX/XX/XXXX I was NOT allowed to and it says my money of frozen for 45 days Here are the wire transfers that I sent from my Wells Fargo account in XXXX DC : On XX/XX/XXXX : I wire transferred {$15.00} XXXX from my Wells Fargo account to this bank as directed by moderator of a XXXX XXXX XXXX called XXXX XXXX XXXX  XXXX The bank I wire transferred to for XXXX XXXX  account to receive my funds Beneficiary Name : XXXX XXXX XXXXXXXX XXXX  Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Beneficiary 's Account Number : XXXX XXXX Routing XXXX Bank Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ND XXXX XXXX On XX/XX/XXXX I informed my Wells Fargo bank and they have sent a recall to this Bank to return my funds - that case # with Wells Fargo is XXXX XXXX ) On XX/XX/XXXX I wire transferred {$25.00} XXXX from my Wells Fargo account to this bank as directed by moderator of a XXXX XXXX XXXX called XXXX XXXX XXXX  XXXX The bank I wire transferred to so they could send the funds to my XXXX XXXX  : Beneficiary Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Beneficiary 's Account Number : XXXX XXXX Routing Number : XXXX Bank Name : XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX I informed my Wells Fargo bank and they have sent a recall to this Bank to return my funds - that case # with Wells Fargo is XXXX XXXX ) On XX/XX/XXXX I wire transferred {$120.00} XXXX from my Wells Fargo account to this bank as directed by moderator of a XXXX XXXX XXXX  called XXXX XXXX XXXX XXXX The bank I wire transferred to for the trading account : Beneficiary Name : XXXX XXXXXXXX XXXX  Beneficiary Address : XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX 's Account Number : XXXXXXXX XXXX Routing Number : XXXX Bank Name : XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX  ) : XXXX Bank Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XX/XX/XXXX I informed my Wells Fargo bank and they have sent a recall to this Bank to return my funds - that case # with Wells Fargo is XXXX Federal ref # : XXXX