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

Im a victim of fraudulent scam someone deposited fraudulent checks into my checking account I met this person online the person told me that he is involved with a charity program doing charity work for the XXXX and under privilege people he told me the program involves with the XXXX XXXX XXXX and the XXXX and I could register to get involved with the program and it will be like a part time job where I will be payed by doing charity work for the program everything sounded legit so I did the registration he said he needed my banking account information in order to deposit their money for me to purchase Items like XXXX gift cards so I gave him my account number and he deposited the first check in the amount of XXXX dollars so I purchased the gift cards worth the value of the money and tell hem each number from the back of each card for him to send to the XXXX in the meanwhile I though everything was legit then he deposited another check in the amount of XXXX dollars and asked me to purchase more gift cards worth the value of the money and let him know the numbers on the back of the cards which I did on the XX/XX/19 I tried to access my checking account and was unable to do so then I contact my Bank which is Td bank to asked why I cant accessed my account then they told me my account is overdraft by XXXX XXXX dollars and I need to come in and speak to customers service which I did on the same day I told them what had but I did not know the checks was fraudulent they told me to make a police report so I went to the XXXX precinct in XXXX XXXX where I live to make the report then I had an appointment to speak with the detective at the precinct which he asked me to asked the bank for a copy of the checks and all the gifts cards for him to make copies for the investigation which I did he gave me the police report to take back to the bank which I did the bank made me do an affidavit stating I didnt endorse the checks and I was allowed to open a new checking account. I got a letter from Td bank dated XX/XX/19 stating my account is overdrawn and I need to remit the amount at my local td bank Store after I submitted a police report and did a sworn affidavit they still asking me to pay off the debit even though Im the victim of fraudulent scam my salary went into the account when I asked them for my salary they didnt give it to me honestly I didnt know that I was being scammed I though the program was legit else I would not have given out my banking information and Im so hurt about the whole situation cant even get over it.
Product: Vehicle loan or lease

I was referred here by the XXXX. 

Bought a car in XX/XX/XXXX. Immediately had the due date changed from XXXX to XXXX with a 7 day grace period. So as long as payment was made by XXXX not late-example. I filed for bankruptcy in XX/XX/XXXX and admit that several payments were missed or late. In XXXX they offered extensions due to XXXX. In XXXX of XXXX got a notice they were taking me to court for the missed payments ( all of them iincluding any late/finance fees ) made the payment of XXXX plus and that brought me completely up to date. Paid for all months missed including the extension. I then had to make a payment for XXXX plus for court costs. A couple months later I logged in and it was stating I missed a payment. Called them several times and it took 6 months for them to fix it and it had to do with how they applied the payment for XXXX plus ( court costs ) Not sure if they also fixed any late fees applied due to the error. In XXXX of XXXX online stated I had 8 payments left which would bring me to XX/XX/XXXX and that would have been correct. In XXXX the payments flipped to XXXX and I started looking into it. XX/XX/XXXX I called them and they stated 4 more payments.made a payment and it read 3 more payments one pending. Waited a couple weeks and online flipped back to XXXX called numerous times. XXXX people I spoke to in the last several months understood what I was saying but Couldn't help me. Made another payment in XXXX and the number still said XXXX payments remaining. Filed a complaint XX/XX/XXXX with XXXX. Got nowhere. These are the questions I have..if my balance is XXXX as of today how is that 5 payments when the payments are XXXX? How did it go from 4 to 5 payments? Where did the XXXX I paid in XX/XX/XXXX get applied? Today I was advised that XXXX late payments were applied to my account in XXXX and XXXX of XXXX. This person saw something was not right and attempted to transfer me to the research department which brought me back to collections and the second person claims they couldn't see what the first person saw. I am a biller and a collections person and know what an audit is. I have done an audit and nothing is matching. It is not a coincidence that my balance owed is coming up to pretty much the same numbers I paid back in XX/XX/XXXX. I have counted my payments on my own and with a couple of their people. There is 75 payments made which is the contract term. I also got an email from them talking about repossession. For a car that is paid for? I have gone over this multiple times and it's not adding up. I truly believe that both the payments I made back in XX/XX/XXXX were not applied correctly and late fees/interest continued to be charged also. I also looked at a paper statement I got and it states the balance owed which is XXXX does not include finance charges. So again I stress how does 5 payments equal XXXX at XXXX each? If you add up the big payment of XXXX plus the XXXX plus ( court costs ) there is the XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit reports and noticed that I had XXXX late payments on an account with XXXX XXXX XXXX XXXX in which I was never late for. Consumer reporting agencies have assumed an integral role and have a responsibility to report accurate consumer information. I have never been late with any payments with XXXX XXXX before. Please investigate and provide proof that I was late. In the event that this information can not be obtain, please remove the late payments with each credit bureau : Equifax, XXXX, and Equifax. 

Not only have XXXX XXXX reported inaccurate late payments, they have reported conflicting information with Equifax and XXXX. For example, XXXX XXXX reported the XXXX payments XXXX days late in XX/XX/year> and XX/XX/year>. However, with Equifax, they reported the XXXX late payments being 60 days late in XX/XX/year> and XX/XX/year>. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). My consumer rights are clearly being ignored and disregarded, as my credit reports show transparent inaccuracies.
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. 

XXXX XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Bay Area Credit, I have informed them this is not me. Also they have harrassed my mother, my kids and my work and have yet to contact my phone. I talked to them on my daughters phone they refused to give me any info on the acct also told me if i didn't pay it i would be Sued. I don't know this acct or where its from, what its about. She wanted me to giver her my info but refused to give me any info abt the acct.
Product: Debt collection

HOW DO COMPANIES MIX UP PEOPLE AND CLAIM THAT AN ACCOUNT IS YOURS WHEN I KNOW I HAVE NEVER HAD AN ACCOUNT WITH THE COMPANY THAT THEY ARE TALKING ABOUT. THIS IS NOT MY DEBT AND I NEED THEM TO LEAVE ME ALONE!!!
Product: Debt collection

The Navy Federal Credit Union refused access to my husband 's account due to a nearly 30 year old debt incurred by his ex-wife. Subsequently, the money was garnished from his account when we questions the validity of the debt. I called Navy Federal 's collection department and spoke with a very rude man who hung up on me. This entire incident was reported to Navy Federal, the representative apologized but said she was unable to assist or have the money returned. I recently learned that their was a civil claim filed against Navy Federal, would this situation warrant legal action on my part?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX  trafficking, specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX  Trafficking debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX  trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. Capital One states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  credit bureaus and creditors are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The loan officer ran my credit several times during the application process which lowered my score significantly. On the day I was to be approved for my loan another person in the company took over my loan application and found it necessary to run my credit yet again causing my score to drop below their threshold. In turn, I had to pay an additional XXXX down payment. When I asked why they kept running my credit they explained that the credit bureaus would see this as rate shopping and it would not affect my credit. Ive tried numerous times to resolve this with the mortgage company with no response at all. I recently found out that when I was approved for the loan they were supposed to report this to the credit bureaus which they never did. I believe this is predatory lending practices and that I should not have had to put an additional XXXX down due to them being responsible for lowering my credit score.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Has violated my rights. 

I looked at my XXXX and XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 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

My account with XXXX XXXX XXXXXXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXXXXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. How many times do I have the Credit Bureaus that the information they report on my Credit File is erroneous and is leading to a Negative impact on my Credit File? I have been requesting for the Credit Bureaus to conduct a proper verification of the Disputed accounts by sending me certain documents to prove the Credit Bureaus credibility and authenticity of the information they present. I don't even know if the Credit Bureaus really did conducted an investigation or not since they have never responded to my Letters. Right now, I am submitting this complaint once again to have the following items investigated and corrected. If the Credit Bureaus can not provide proper verification nor correct the disputed accounts, it would be wise to have the items removed completely from my Credit Report : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00}
Product: Credit reporting or other personal consumer reports

There are discrepancies that I have found on my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX ( XXXX ) The discrepancies are listed below : 1 ) Number of months 2 ) High credit limit amount XXXX ) Date last reported 4 ) Date last active 5 ) Date of last payment Creditor sent a letter of validation on XX/XX/2023 and failed to validate this debt. 
Under 15 U.C. Code 1681i ( 5 ) cause for removal of inaccurate unverified credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i no longer have the original lease documents for this car, but lease origination date, term, and number of payments received are all very clearly visible on my credit report as reported to XXXX and XXXX   by VW Credit Inc. 

The lease started in XX/XX/XXXX with a term of 36 months. My credit file shows on time payments each and every month through and including XX/XX/XXXX so 36 months, 36 payments due and 36 payments made. 

For the time period from XX/XX/XXXX through XX/XX/XXXX the loan was reported as Account Status = Closed, Payment Status = Paid/Never Late. For some reason in XX/XX/XXXX VW Credit Started reporting again on a lease that had been closed out for a year and is now showing it as Payment Status = Paid, was a repossession. Repossess a car on a lease which had ended and was paid a year prior? 

I don't get it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts that have appeared on my credit report. After recently reviewing my credit report, I identified the following accounts that were opened without my authorization and are negatively impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and credit reporting agencies are required to investigate disputes within 30 days. Since these accounts were opened fraudulently, they should not be reflected on my report. The FCRA mandates that credit reporting agencies must delete or correct any inaccurate, incomplete, or unverifiable information within the specified timeframe. 

Additionally, under the Identity Theft and Assumption Deterrence Act, it is illegal for anyone to use another persons identity for fraudulent purposes. This federal protection also grants me the right to request the removal of fraudulent information from my credit file. 

Therefore, I request the following actions be taken immediately : Removal of all fraudulent accounts from my credit report. 
Correction of any negative impact these accounts have had on my credit score. 
A written confirmation that the fraudulent accounts have been removed or corrected in compliance with federal regulations. 
Please consider this my formal request under the Fair Credit Reporting Act, and I expect an investigation and response to be completed within 30 days as mandated by law. I am also prepared to provide additional documentation if necessary to support my claim. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these fraudulent accounts have been removed and that my credit report has been corrected.