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

Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of XXXX USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Checking or savings account

In XXXX of last year, I received a Checking and Savings Bonus offer from Bank of the West. I opened a Premier checking account on XX/XX/XXXX with a {$5.00} deposit. I then deposited over {$15000.00} dollars by the end of XXXX and maintained that balance for 3 consecutive calendar months ( XXXX XXXX XXXX ), as the offer stated that I needed to do. I have enclosed my bank transactions, from opening to current. I have otherwise met all the requirements to receive the {$500.00} bonus advertised. The offer states that the bonus would be deposited by XX/XX/XXXX. XXXX, and it has not been.
Product: Payday loan, title loan, or personal loan

Conns placed a 30-day late with all three credit bureaus ( XXXX, XXXX, and XXXX ) for a missed payment ( XX/XX/XXXX ). I  spoke with several representatives at CONNS when I found this out and they confirmed that this was incorrect reporting ( check all the recordings! ) They instructed I write and fax a letter of explanation and request a correction and I did just that XX/XX/XXXX. 

It took months for me to receive a response that Conns would not correct the error. Therefore, this incorrect reporting has negatively impacted my credit for now 5+ months thus dropping my score considerably and that is unacceptable. We have planned to move our children to another district due to bullying in XX/XX/XXXX but at this rate I couldnt purchase a home, let alone lease a home with this negative reporting so this is beyond stressful. We have to relocate, who's going to accept us with all these 30-day lates?!? My credit worthiness is very important, so I wouldn't haphazardly miss a payment. 

Im disputing the initial 30-day late that was given and request that Conn 's notify the credit agencies to remove it and all the rolling 30-day late that are being reported thereafter based on the following facts : I was given an extension on payment XX/XX/XXXX due to that fact that I had been adversely affected by Hurricane Harvey. I was told that the extension would be for XX/XX/XXXX and XX/XX/XXXX payment and the amount requested and paid on XX/XX/XXXX was {$49.00}. This payment allowed me to enter into the extension agreement and that my next payment would be due in XX/XX/XXXX ( XX/XX/XXXX to be specific ). I made XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$250.00}. It wasn't until XX/XX/XXXX when I checked my credit that I noticed Conns had been reporting me 30-day late for missing XX/XX/XXXX payment. 

I was hard enough to deal with the devastation from Hurricane Harvey and Conn 's not honoring their agreement has only made it worse. I had never had a 30-day late with Conn 's prior to Hurricane Harvey and their promise for an extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hasnt deleted hard inquiries off my XXXX report yet. Eleven inquiries should be deleted as of the XXXX of XXXX. XXXX is not reporting information correctly. They are to slow to do anything. My credit score is never accurate. Im so tired of having to correct information they are required to report accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on multiple occasions to discuss my dispute far as my bankruptcy. It has been on multiple occasion, where I have been lied to. I first reached out to Equifax on XX/XX/XXXX by a way of mail, to let them know that the reporting of my Bankruptcy is showing incorrect. Then they sent me a letter back stating that it came back verified and that they updated information. I was confused on how it can be verified so quickly as courts were starting to close due to Covid-19. I began to wonder if that had even contacted the bankruptcy court to begin with. 
So, I questioned Equifax and their validity to see if they even began to do their due diligence to contact the Bankruptcy court. So, I asked them how they verified this, who did they contact and how they contacted them. They told me that they did not verify it. I was in complete shock when I found out this as this could be a violation of the Fair credit reporting act. They told me that a third party by the name of XXXX XXXX has done it. I was still shocked to know they did not do a throughout investigation and then marked my bankruptcy as verified. 
So, I contacted XXXX XXXX to discover how they verified the information and did they follow the rules Equifax was supposed to follow. They then sent me a letter in the mail stating that the information they received was verified through the bankruptcy court in Tennessee. I was shocked that Tennessee court did such a thing, so I contacted Tennessee bankruptcy court along with the bankruptcy court of Illinois. 
I reached out to both courts to discover that Equifax and XXXX XXXX had been lying to me this entire time! The letters that I received back from both courthouses clearly shows a violation for both entities. The letters clearly state they did not provide nor verify information with these entities. Along with how these courts do not provide any information at all to the bureaus. When I had a phone conversation with the Clerk she expressed how she felt that these companies continue to fib to the American people ; and also Tennessee does not have my information on me because its not the state I filed with. She was so flabbergasted they did this because she could not even look me up in her system. All of which is a violation of the FCRA and is dishonest way for a major bureau such as itself to act.
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of Trafficking that has resulted in Debt Bondage and affects my consumer report. As a Survivor of XXXX XXXX XXXX XXXX XXXX  you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$820.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. This company has not responded in former complaint other than to send over a ledger document that does not belong to me as I have never done business with this company. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE TO COMPLAINT # XXXX XXXX. THE PREVIOUS REPORT WAS OSED OUT BY TRANSUNION BEFORE THE INVESTIGATION WAS COMPLETED. TO : CONSUMER FINANCIAL PROTECTION BUREAU, PLEASE DO NOT ALLOW THIS COMPLAINT TO BE 'CLOSED OUT ' UNTILL ALL THE UNAUTHORIZED INQUIRIES HAVE BEEN PROPERLY VETTED, VERIFIED OR DELETED. HERE 'S WHAT SHOULD BE INVESTIGATEX BY TRANSUNION : ( Please forgive the cramped spacing ). 
1. ) XXXX XXXX inquiries 2. ) XXXX XXXX " 3. ) XXXX XXXX " 4. ) XXXX XXXX 5. ) XXXX 6. ) XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 2 inquiries 10. ) XXXX XXXX 11. ) XXXX XXXX XXXX 2 inquiries. 
12. ) XXXX XXXX XXXX 2 inquiries. 

S/S # XXXX D.O.B. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Ph # ( XXXX ) XXXX E-mail : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX  Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : 1. Late Payment Dates : A 30-day late payment is inaccurately reported for XX/XX/XXXX across XXXX, Experian, and XXXX. This discrepancy is false, as no payment was due or late for the stated period. 
2. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported 30-day late payment contradicts this accurate record.

3. Inconsistent Reporting : Experian and XXXX fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
4. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement. 

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations.

Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
2. Written confirmation of the correction to ensure compliance with the FCRA and TILA.

Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a paid account and is old. This account shouldn't be reporting on my credit as it is XXXX XXXX XXXX. Please remove this account from my credit report
Product: Credit reporting

I pulled my credit report to purchase a home last month. I never checked this prior to now as I was n't getting any loans. I found that XXXX was reporting a credit card I have never opened nor used. I have disputed the charge with XXXX of the reporting agencies twice now. On both occasions they reflect updated. I have yet not been provided with any proof that I in fact was the opener of the account. The only history is the total amount due and a few dates. There are discrepancies on each report in dates and payments. My lender suggested I offer to pay this fraudulent debt to have this negative account ( I have zero knowledge of ) removed from my credit reports. XXXX refused to accept a payment to satisfy the account while still refusing to provide any information to prove in fact that the account was opened by myself. When this account was open I was also the victim of bank fraud with my local XXXX. I had airline tickets purchased in my name without my consent. I never imagined someone would have been able to open a credit card as well. The TransUnion Report reflects that in XX/XX/2014 a payment of {$35.00} was made. All the other reports show zero payments. The TransUnion Report also shows last payment made XX/XX/2014. XXXX shows a contradiction with a date of XX/XX/2014. The XXXX Report shows account closes/charge off on XX/XX/2014 TransUnion Report shows date close/charge off on XX/XX/2014. XXXX has a duty to to give me a written response within 30 days to prove validity of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account I was an authorized user. I was removed as an authorized user in XXXX. But XXXX still shows me as an authorized user. Because this card has high utilization it is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX {$0.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Money transfer, virtual currency, or money service

My PayPal account was block on XX/XX/2021, and after blocking I was told I will be able to transfer my funds from the account after 180 days. Its almost a year now Ive not been able to transfer my funds. I have {$450.00} in my account, Ive lodged complains on my PayPal account but still not getting solution.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I noticed a negative item on my report that i did not authorize to report. On the account I have attached is 30 day late payments that are improperly reporting. I have tried to work this out with the credit bureas and have been unsuccesful. The account listed below is identified as aggravated identity theft per 18 U.S. Code 1028A. 18 U.S. Code 1028A U.S. Code ( a ) Offenses.
Product: Debt collection

I have had several conversations with all parties involved since XXXX and there is still no active response to correct the issue. all parties are in complete understanding that there was a coverage issue, due to a misapplied insurance reporting. The insurance has agreed to reprocess said claims from XX/XX/XXXX. I have received documentation from the insurance confirming coverage for said date : XX/XX/XXXX. There should no no balance owed as it was covered 100 % under XXXX XXXX. The issue came when it was improperly reported that i had given birth to my daughter XX/XX/XXXX, but rather I had changed OB/GYN locations and providers from XXXX XXXX XXXX XXXX XXXX. And, I didn't give birth to my daughter in XX/XX/XXXX, but rather she was born in XXXX, XXXX.
Product: Debt collection

Subject : Request for Removal of Accounts Included in Bankruptcy from Credit Report To Whom It May Concern I am writing to formally request the removal of certain accounts from my credit report. These accounts were included in my bankruptcy filing in 2018 and should no longer appear on my report, in accordance with the Fair Credit Reporting Act guidelines.

The following accounts were discharged through the bankruptcy process : XXXX XXXX XXXX  XXXX Bank - XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX  - XXXX XXXX Department of Education ) - American Express ( XXXX XXXX XXXX or XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please investigate and remove any references to these accounts from my credit report. Additionally, I would like to address the issue of any attempts to collect on these XXXX accounts, as I am prepared to pursue legal action if necessary. 

Enclosed is the documentation of my bankruptcy discharge, confirming that these accounts were part of the filing. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, [ Enclosures : Bankruptcy Discharge Documentation ]
Product: Checking or savings account

this is the 4th complaint that I come here to make against Wells Fargo. On the XXXX they want to close my account because I haven't paid the outstanding balance and I haven't paid because I don't agree with the abusive fees I've been suffering since last year. I want to pay my balance but I want the bank to be fair to me. in 5 days you will close my account and I am crying out for a solution by all possible means. I have been a customer since XXXX and I find this treatment absurd. I demand a solution to my problem. and it's no use leaving a message on my mailbox, I WANT Wells Fargo SOLUTION!!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 FTC 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, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX WY XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   located in California is reported on all  XXXX  of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   2017  at  XXXX  in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent a {$6500.00} wire to a bank account that I believed to be my landlord 's for rent. We found out on XX/XX/2023 that his email address and bank account were compromised and the wire was sent to a fraudsters account. I bank with JPMorgan Chase and have alerted them of the issue and they have been unwilling to help remedy the situation outside of providing a basic wire recall request. There was a police report filed as well and I am working to receive the funds back.