23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have messages support numerous times asking why my account was closed they told me every single time they could not provide me with any information but that I could dispute it, I agreed and was told I would receive an email to dispute but it has been almost a month and I have not received anything. I messaged them again today XX/XX/year> the rep said they were going to look into my account and then immediately responded they couldn't not help yet again. I have spoke with management who told me they could not give me a reason. I am unable to even contact support because it now says I'm blocked.
Product: Payday loan, title loan, personal loan, or advance loan

I have been contacted 5 times a day every day of the week for months. Some of the times they have called the person calling would hang up immediately after I answered the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit  report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX Ive sent a dispute letter regarding those inaccurate and unknown accounts Ive found on my credit report. It's been almost 30 days today but I haven't received any response. I demand to delete those accounts or I file litigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX. I am making a complaint to Transunion in regards to the account on my credit report called XXXX XXXX XXXX. I finally received the letter of verification/investigation results stating Transunion is not reporting the account. I am disgruntled with Transunion 's professionalism as you stated you are not reporting XXXX XXXX, however, it is still reflecting on my credit report. Again, this violates my rights and is against FCRA and FCDPA. Not to mention this is way out of the 15 day window of validation, yet this is still reporting! I demand Transunion to update my credit report immediately and send proof of so via mail. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}
Product: Credit reporting or other personal consumer reports

Hello, I hope this message finds you well. I need to bring to your attention an issue that has caused me significant distress. Ive been a victim of identity theft - my information was used fraudulently, and as a result, an unauthorized item has appeared on my credit report. I have no connection to this account, and its presence is both unwarranted and deeply troubling. Following Equifax 's advice, I promptly filed a report with the FTC and provided all necessary documentation to resolve this matter. However, despite these efforts, the fraudulent item still remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. Block and remove all accounts listed.
Product: Checking or savings account

Complaint Regarding Deposit Error and Unauthorized Transactions Dear Truist Bank Team, I am writing to file a complaint regarding two issues I am currently experiencing with my account.

Deposit Credit Error : The first issue occurred when I made a deposit of {$3900.00} at a Truist ATM early in the morning before going to work. However, due to an error in the ATM system, only {$130.00} was credited to my account instead of the full {$3900.00}. I have attached the deposit receipt, which clearly shows the amount deposited, and I request that the missing funds be credited to my account as soon as possible. 

Disputed Unauthorized Transactions : The second issue involves several transactions on my account that I did not authorize. I was a victim of a robbery and assault in XXXX XXXX  XXXX, XXXX, where I was XXXX  and also XXXX XXXX. As a result, several transactions were made without my consent. I have submitted the relevant reports related to this incident, and I kindly request that the transactions be canceled and the funds be refunded to my account. 

I have attached all necessary documents, including police reports and transaction details, for your prompt review.
Product: Checking or savings account

I had initiated a transfer into my Sofi XXXX account from another bank account to cover my rent check. The transfer bounced, I believe because there was a delay from when I transferred it, and then there were no longer sufficient funds in my other account to cover the transfer. 

Regardless of what happened, it triggered a fraud alert in my bank account. It also caused my Sofi account to go negative. I have direct deposit into my Sofi account, so once that direct deposit went through, my account was in the positive, however I was still not able to use my funds. 

I've tried contacting Sofi Fraud Prevention repeatedly to unfreeze my account. The call goes straight to voicemail. Any other number, online chat, or email does not connect me to anyone, but automatically tells me to call Fraud prevention. 

My first call was placed yesterday, XX/XX/XXXX. I called three times yesterday, and three times today, XX/XX/XXXX with no return call. It has been about 27 hours that I have been waiting for a call back. 

I have overdue rent that must be paid immediately or I risk eviction. The money tied up in this account is my rent money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX, however Experian and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

INFORMATION FOR DISCOVER CARD On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX  using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX bank XXXX XXXX ( Bill of sell, Crook 1, Crook 2 ). 

From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was Discovery card but now with these court Documents I believe it was the two crooks 1 and 2.
Product: Mortgage

WELLS FARGO HOME MORTGAGE ( XXXX ) ACCOUNT NUMBER XXXX Another XXXX XXXX To XXXX Me, The Borrower, And Position Themselves To XXXX XXXX Of My XXXX. 

BACKGROUND This is my XXXX complaint about XXXX with the Consumer Financial Protection Bureau. 

Since XX/XX/XXXX, Wells Fargo Mortgage has initiated a series of dirty tricks to manipulate my mortgage account number XXXX in such a way as to misrepresent the debt owed and my compliance with the contract terms. 

Since the contract, originated in the fall of XXXX, I have fulfilled my obligation perfectly. I have made every payment due in full on time. XXXX has failed, however, to comply with their contractual obligations as previous complaints about them demonstrate. 

AGE DISCRIMINATION I am a senior with a lot of equity in my property. XXXX has targeted my account for XXXX  and XXXX to discredit me and position itself to foreclose. 

Their actions are age discriminatory. They think that my age makes me especially vulnerable and defenseless against their dishonest account manipulations. 

THIS COMPLAINT IS FURTHER EVIDENCE Of XXXX BAD FAITH AND DISCRIMINATORY ACTIONS I paid the mortgage payment due on XXXX XX/XX/XXXX in the amount of {$1500.00} at a Wells Fargo Branch. ( See uploaded Wells Fargo Branch Transaction Record.pdf ) On XXXX XX/XX/XXXX, Wells Fargo returned my XXXX XX/XX/XXXX mortgage payment claiming they could not accept it because it was less than the required amount and they are not able to apply for partial payments. ( See uploaded XXXX ) Their letter did not say what that fantasy amount due was or where I might have discovered it. Their official account and escrow statements show that the amount I paid is the precise amount due. XXXX uploaded files shown below : XXXX. Wells Fargo Account XXXX dated XXXX XX/XX/XXXX - Uploaded XXXX WellsFargo-XXXX XXXX. Wells Fargo XXXX XXXX XXXX dated XXXX XX/XX/XXXX - Uploaded - XXXX I find it astonishing that XXXX put in writing that they are unable to accept partial payments. Accepting payments is a fundamental and essential capability of loan serving systems. 

Furthermore, my mortgage, like most currently originated mortgages, allows prepayment without penalty. This clause does not restrict prepayments. 

Even if my payment was less than their fantasy payment, their reason for refusing the payment is just make-believe and another opportunity to harass me.
Product: Student loan

In XXXX I received XXXX XXXX Loan Forgiveness for my loans. I just received notice out of the blue and was served papers signed by a Judge for a court date that I missed at an address that I dont live at anymore through a job I dont work at anymore that theyre trying to garnish my wages from as far back as XXXX on my student loans. My credit report shows all my loans are up to date. I get a XXXX check that they cant touch, but come on now Ive applied for XXXX forgiveness as well and they wont even talk to me about that and that was back in XXXX when I was approved for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate of unverifiable accounts unresolved. Following accounts needs to be removed XXXX XXXX XXXX XXXXXXXX
Product: Credit card

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without written instructions under 15 US 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Please be advised that this letter serves as my good faith effort to resolve discrepancies regarding this matter in accordance with my rights under 15 USC 1666 ( b ) and 15 USC 1692g of the Fair Credit Billing Act ( FCBA ) and the Fair Debt Collection Practices Act ( FDCPA ), respectively.

Nature of the Dispute Billing Error and Negligence ( 15 USC 1666b ) : Upon review of the account and billing details, I have identified significant inaccuracies that constitute billing errors with XXXX, XXXX, Transunion. These discrepancies indicate negligence in handling my account, which has caused undue hardship and damage to my financial standing. 

Per the FCBA ( 15 USC 1666b ), I am exercising my right to dispute these errors. I request that you investigate this matter promptly, as I was NOT provided a written clarification on the specific charges, along with evidence validating their accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me XXXX XXXX, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Product: Credit reporting

EXPERIAN CREDIT BUREAU - I am unable to dispute incorrect personal information online with Experian Credit Bureau. I have spent many hours and have been denied access to the option for online disputes. The website provides a phone number and after calling multiple times, unable to reach a customer service person. 
- This has been a frustrating experience to say the least. I am unable to find out if my personal information was used to open a fraudulent credit account.
Product: Debt collection

XXXX XXXX XXXX XXXX  account was opened using my information, for the amount of {$1600.00}, The account was originally opened reported to my credit report on XX/XX/XXXX, by Sunrise Credit Services. I filed a dispute with the credit agencies, the dispute showed that it was verified by Sunrise Credit Services. I contacted Sunrise told them that this was not my account from the information that they provided me over the phone. The account was open using an address in XXXX VA. I never lived in XXXX VA. I was told they would report it as fraud and send me a package to file out, verifying my information. I submitted documentation of proof of identification and also mortgage statements from the time the account was open in XXXX of XXXX, showing that I was living at my current address at the time of the incident. I also submitted a police report number XXXX with XXXX XXXX XXXX. The account was eventually removed from my credit report. In XX/XX/XXXX Sunrise reported the account to my credit report again. I contacted them and it was removed. On XX/XX/XXXX, Sunrise Credit Services has reported the account to the credit agencies once again, and it is on my credit report as a collection. I filed a dispute with the credit agencies and Sunrise has verified the account as mine. I contacted Sunrise Credit Agency, and they have not removed the account as of this date. I have filed a fraud complaint with XXXX XXXX XXXX  on XX/XX/XXXX. Sunrise Credit Agency is fraudulently and wrongfully repeatedly reporting inaccurate information to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 and XX/XX/21 I submitted a letter on inaccurate and unknown things on my credit report. over 60 days have passed and i have not received a response. I feel my disputes are being ignored and i am being taken advantage of. In Section 611-a it plainly states that a failure to investigate these items within 30 days gives a reason to have them removed immediately from my credit report. It has been over 60 days so they should be removed immediately. I demand these accounts be removed at once or I will file litigation due to stress and suffering. My information has been impacted by the Equifax, XXXX XXXX and XXXX data breaches and may have got into the hands of the wrong people.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

Never applyed for a refinance loan with any of these companys
Product: Debt collection

I recently looked at my XXXX XXXX and noticed I have a collections which i have no knowledge of and I do not owe them any money to the best of my knowledge. The company is called C Tech Collections for {$87.00}. To my understanding i never was in any buildings in XXXX nj or signed any documents giving anyone authorization to charge me anything. Any medical type bills were paid off in full. I will you shows the picture of what i need removed at it is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent reporting of my account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. After reviewing this account, I have identified several issues that violate the FCRA : XXXX. XXXX XXXX XXXX Credit Bureaus : The High Credit amount is reported differently across bureaus : XXXX XXXX XXXX : {$4900.00} Equifax : {$5800.00} This inconsistency violates the requirement for accuracy in credit reporting under FCRA XXXX ( b ). 
XXXX. Conflicting Dates of Last Activity and Payment : The Date Last Active is inconsistent : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These dates are crucial for determining when the account should fall off your report. Inconsistent reporting violates FCRA 1681e ( b ). 
XXXX. XXXX XXXX of XXXX XXXX : The account is listed as Collection/Chargeoff on all bureaus, but it is noted in the comments that the payments are being managed by credit counseling XXXX XXXX XXXX counseling programs. 
If the account is being managed under a legitimate credit counseling or repayment program, it should not be marked as a charge-off. This misrepresentation violates FCRA XXXX681s-2 ( a ) ( XXXX ) ( B ). 
XXXX. Inaccurate XXXX of XXXX and XXXX XXXX Amounts : The balance and past due amounts are consistently reported as {$2300.00}, which conflicts with the commentary suggesting credit counseling management. 
This could indicate a failure to update the account properly, violating FCRA 1681s-2 ( a ) ( 2 ). 
XXXX. Reporting of Charge-Off After Payment Management : If the account is actively being managed by a credit counseling program, reporting it as Chargeoff XXXX be misleading and a violation of FCRA 1681e ( b ). 
XXXX. Late Reporting Dates : The Last Reported date for XXXX and XXXX is XX/XX/XXXX, which appears unnecessarily delayed for an account charged off years prior. 

FCRA Violations : 1. 1681e ( b ) : Accuracy of XXXX XXXX inconsistent balances, high credit amounts, and dates across bureaus.

2. 1681s-2 ( a ) ( 1 ) ( B ) : Duty to Update and Correct Misrepresentation of charge-off status while account payments are being managed by credit counseling.

3. 1681s-2 ( a ) ( 2 ) : Duty to Update XXXX Promptly Failure to update the account status and balances correctly to reflect ongoing management.

4. 1681c : Obsolete Reporting If the delinquency dates or charge-off statuses are improperly extended, it XXXX violate the XXXX limit for negative information.