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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I was offered to extend my lease for an extra year. The contract says my payment is for {$40.00} per month for XXXX  month. Ive been sending the payments but now honda says I owe them {$460.00} per month and that Im Behind XXXX  months. They have reported me late to the credit bureaus and ruined my credit .I have called several times and I sent them the lease contract yet they wont give me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2022 we requested to wire {$50000.00} from our JP Morgan Chase business account ( California ) to our personal account with XXXXXXXX XXXX in XXXX. Due to the inaccuracy of the exchange rate and fees, and with the advise of our personal Chase banker, we decided to recall the wire back within a 15 minute window. On XX/XX/2022 our private banker with XXXXXXXX XXXX  contacted us to confirm the return of the wire in the amount of XXXX XXXX, and advised us that there would be a fee of XXXX XXXX. We agreed to the fee and the funds were wired back to Chase in the same manner they were received. We found out later, that our original wire went to an intermediary JP Morgan XXXX bank in XXXX when the original wire was sent from our account in the US. XXXX sent it back to XXXX, which in turn should have sent it to the US. We have been trying for more than 40 days to track down this wire and have the funds returned. We have made direct contact with the JP Morgan XXXX bank in XXXX and they said they can only respond with the bank and to have our bank contact directly to obtain details. Today is XX/XX/2022 and we are still getting a complete run around and everytime we speak to someone they indicate that it is going to be 7-10 days to get an answer from an email that has been requested... .unacceptable to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Mid Atlantic finance company in XXXX Florida keeps reporting negative information on my credit report for an old car loan that should already be off of my credit report. They keep changing the dates of when the account was actually closed so they can remain on my credit longer. It is a closed account they bought My loan from a buy here pay here back in XX/XX/XXXX. They repossessed the vehicle in XX/XX/XXXX. I never made one payment to them. They keep changing the closed date to different months in XX/XX/XXXX. They continue to wait until my score is up and then start back negatively reporting causing my score to drop over a XXXX points. I would like to have them removed from my credit. My XXXX XXXX account shows this has been reporting 7 years and 9 months on my credit reports.
Product: Credit reporting or other personal consumer reports

Lobel Financial ran my credit on XX/XX/2023 without my permission or authorization
Product: Debt collection

XXXX XXXX of XXXX XXXX XXXX has been harassing me for weeks. He has been told several times to stop calling me at work, my dad 's business and my wife. I tried to correct the issue to the best of my ability. Offering a payment plan and a lump sum payment down the line. He now blocks his number when calling as it always shows up as Unknown. I am sick and tired of my phone constantly ringing. He also made multiple attempts to charge an FSA card after being told it would not work by the FSA company. He then tried to charge my bank account for {$2600.00} without my knowledge or consent. He also sent a text to my cell phone from his personal cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XXXX XXXX  and TransUnion, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. INQUIRY DETAILS : XXXX XXXX XXXX Date : XX/XX/2019
Product: Vehicle loan or lease

XXXX XXXX XXXX calls approximately 10-15 times a day on certain days from XXXX- XXXX. Sometimes on weekends. All call are robo calls or in person calls. We are financially struggling and tried working things out, but these harrasing call are getting out of control. After talking to them they call the next day over and over.
Product: Credit reporting

In a follow up to Case number : XXXX, no communication my request to verify this debt has been provided, from my originally request sentXXXX/XXXX/15 to the creditor requesting funds. As it has been past 90 days, how was Equifax provided proof and nothing sent to me, plus by law the lender asking for payment has 30 days to provide the requester with proof this is their debt. As there has been no communication from the lender to me, please have this matter resolved ASAP and removed from my credit report with all XXXX major bureaus. If Equifax has proof, please send all documentation to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and BMW Financial. The Account Opened is BMW Financial Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card

I received a fraudulent charge of {$2.00} on a Macy 's credit two months AFTER canceling the credit card. I tried calling the customer service for hours on end. Could not get a live person. I tried every number, every extension possible.
Product: Credit card or prepaid card

XX/XX/19 I reported card stolen at Costco member services. I got a new card between the dates of XX/XX/2019 I actives the new card. The card that was sent in the mail had my new picture and the same card number and card numbers on the back. When I got my card in the mail I activated it. There was 2 cards that where active. I went to make a police report on XX/XX/19 like Citi bank advised but the police advised me to go to Costco. On XX/XX/19 I went to Costco and spoke with XXXX  a manager at the XXXX XXXX Costco. She printed a report of my membership and it proofs that I reported it lost to XXXX XXXX on XX/XX/19. She told me that membership manager named XXXX XXXX would call me but, I haven't received a call. My case manager at Citi named XXXX XXXX asked me to provide my login to my account and I refused to give that information given the state I was in with my account. She referred me to call their main line. After making efforts to contact her she screamed at me and told me that she sees these type of cases all the time where people charge the account. Her tone was biased and did not properly investigate my case. 

The amounts total {$2400.00} from dates XX/XX/19- XX/XX/19.
Product: Mortgage

My mortgage was transferred from XXXX  XXXX XXXX to Specialized Loan Servicing.  They are not recording my payments. They are threatening to foreclose. I have spent 6 weeks of phone calls and emails every other day from them claiming no payment has been made. When we call, they blame accounting for one payment but say they haven't seen any others. I have proof from two banks. I have given them this information over the phone repeatedly. I don't know where else to turn.
Product: Debt collection

I sent a pay to delete letter on XX/XX/22 to Amsher Collection Services. It is now XX/XX/22 and I have not heard anything back. This collections is hurting my credit and I am doing my best To handle the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help with the issues I am having with the credit bureaus. Back in XXXX I sent in disputes to the credit and I havent received anything from them. Here is a list of what need to come off my report. 
XXXX XXXX XXXX XXXX ) is over 7 years old and needs to be remove XXXX XXXX XXXX XXXX ( XXXX ) this is not my account XXXX XXXX XXXX ( XXXX ) is 7 years old and needs to be remove XXXX XXXX XXXX ( XXXX ) this is 7 years and needs to be remove. 

I have attached copies of the disputes from XXXX too. 
These things should already be off my report I dont understand why are they still on there after I disputed them.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXXXX/XX/XXXX
Product: Mortgage

I recently opened a HELOC with XXXX XXXX  XXXX. I had an outstanding personal loan ( XXXX XXXX XXXX XXXX ) that needed to be paid off as part of the HELOC loan process- HELOC has to be in the first spot for creditors if I go into default. XXXX  XXXX XXXX ( XXXX ) issued a check on XX/XX/XXXX in the amount of XXXX. It was shipped to the overnight delivery option. I have confirmed with XXXX that it was shipped to the correct address and confirmed with XXXX XXXX that this was the correct address the check should have gone to. 

XXXX XXXX states that once checks are received, that an email is sent with confirmation, usually within 7 business days. When we hit XX/XX/XXXX, i reached out and they said that sometimes processing can take up to 30 days. On XX/XX/XXXX I reached back out to XXXX XXXX and they still did not have the check. I reached out to XXXX on the same day and asked them to research to see if the check had been received and processed. They sent a copy of the image which I forwarded to XXXX XXXX. This is where the issues start. 

The check was cashed on XX/XX/XXXX but not by XXXX XXXX. The back of the check states it was processed by Citi Bank. I sent the check image and processing to XXXX XXXX. They state they have no record of the check. I reached back out to XXXX and they stated I had to work with XXXX XXXX because they had done everything they could do because they sent the check to the correct location and XXXX XXXX touched the check before Citi Bank processed it. XXXX XXXX again stated they did not have the check and suggested I call Citi Bank since they cashed it. Citi Bank will not talk to me because I do not have a Citi Bank account and they do not help people who are not their customers. They said they would cooperate with an Investigation from XXXX. XXXX will not do an investigation with Citi Bank because they made the check was made to XXXX XXXX and stated there is nothing more they could do on their end.
Product: Credit reporting or other personal consumer reports

Ive believe my information may have been part of data breach Ive never been late and when I asked about it I was told form the institutions that this was a error that will be fixed
Product: Debt collection

LVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Account No : XXXX Amount : XXXX This debt is not mine I demand it off my credit report in XXXX I never lived in XXXX were the card was opened, their for by law if its not yours it should be taken off your credit report. If its not of my credit I'm going to file a small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit agency with a police report from XXXX XXXX XXXX, affidavit, and also my ID and submitted these forms to them along with identity theft report. The credit agency denied that I was a victim of identity death when clearly shown proof of crime. I also called the agency by telephone several times about the issue with still no resolve. 

My rights have been violated because they did not provide reasonable determination investigating of provided evidence of crime according to the fair credit reporting act of 1970
Product: Bank account or service

This complaint is in follow-up to CFPB Complaint Number XXXX. 

The response from Bank of America does not address the original complaint. While Bank of America can release the joint account information ( accounts ending in XXXX and XXXX ) to the other co-owner of these accounts, I did not give Bank of America permission to release my personal account information ( accounts ending in XXXX and XXXX ) to any third party and Bank of America has not proved otherwise. 

My disputes with Bank of America 's response are as follows : 1 ) Bank of America provided a signature card for the account ending in XXXX showing joint ownership for this account. This fact is not in dispute. Bank of America did not show signature cards for the accounts ending in XXXX and XXXX which were personal accounts opened in XX/XX/XXXX and closed in XX/XX/XXXX. 
2 ) Bank of America provided a Deposit Agreement and Disclosures document, effective XXXX XXXX, XXXX. The accounts and bank statements in question were all opened at the same time in XX/XX/XXXX. The XX/XX/XXXX rules were not in effect in XX/XX/XXXX. 
3 ) The consolidated statements that list all XXXX accounts was created by me for my personal convenience, doing so did not Bank of America permission to release private account information to any third party. The consolidated statements were addressed and mailed to me monthly XX/XX/XXXX through XX/XX/XXXX. These consolidated statements were never shared with the co-owner of the joint account because that person was not entitled and still is n't entitled to my personal account information, doing so eight years later is a breach of identify theft. These consolidated statements unless redacted of all personal financial information can not be now sent to a third party, eight years later without my consent.
Product: Debt collection

Back in 2015 I contacted XXXX XXXX  about my vehicle loan and told them that I was being discharged from the XXXX due to an injury and could no longer afford my payments. I was instructed to sell the vehicle for the value of the car and I would not have to owe anything due to my financial hardship. XXXX XXXX charged off the loan and closed my account with them XX/XX/2015. Then about 6 months later I started receiving harassing phone calls stating that I still owed the balance for the car because they purchased the collection from XXXX and if I didn't pay it I would be sued. She told me that the only way to avoid this was to enter into an agreement to pay thrm. So I told her that I was only working part time and was declared XXXX XXXX XXXX XXXX by the VA and could only psy {$50.00} per month. I was paying sometimes and other times I couldn't because of other living expenses. Then I noticed after paying for about 12 months that nothing I paid them was going towards the balance and it grew to more than 2k over the original amount. Since then my credit score continues to suffer because of my increasing balance and I don't have any money to pay them due to my recent layoff due to COVID. 
I was told that its illegal for them to collect on a debt raising the amount of the debt with high fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 months, I have been writing letters to all 3 bureaus XXXX, XXXX and Transunion including the creditors and to no avail they have not followed the FCRA consumer laws and have been sending me generic stall letters when I asked for them to send me a contractual agreement bearing my signature, they have failed to do so and did not update my credit profile or remove the item in the 30 day timeframe they have to complete their investigation. There are items on my credit report that is duplicated, unverifiable, outdated and inaccurate and they have not attempted to do or remove anything. I am filing a complaint because this is my last attempt to get them to abide by the rules of the Fair Credit Reporting Act before, I take my complaint further as I have already been in contact with FCRA attorneys.
Product: Debt collection

I FOUND A DEBT OWED TO XXXX XXXX ON MY CREDIT REPORT. I WAS NEVER NOTIFIED OF THE DEBT AND THE AMOUNT IS WRONG. I CALLED AND WAS GOING TO SETTLE THE ACCOUNT BUT IT SAID I OWED FOR EQUIPMENT WHICH I PERSONALLY TOOK BACK TO THE LOCATION ON XXXX XXXX IN XXXX OK. THE DEBT HAS NOW BEEN SOLD TO ANOTHER COLLECTION AGENCY IC SYSTEMS AND I WAS GOING TO PAY THE ACTUAL BILL BUT THEY REFUSED TO TAKE OFF THE {$120.00} EQUIPMENT CHARGE. I THEN CALLED XXXX XXXX AND THEY CONFIRMED RETURNED EQUIPMENT AND BALANCE OWED IS XXXX I TALKED TO XXXX AND THEN XXXX IN BILLING WHO REQUESTED A FORM TO CONFIRM THIS.
Product: Checking or savings account

cashapp is the worst company ever when it comes to disputes when family tax relief perform no services whatsoever. They owe me {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted court documents to the credit bureaus showing they're reporting incorrect information, for an account that should not be in collections, and does not have a balance. They have not removed these accounts from my account stating that the furnisher confirmed the information. As I've told the credit bureaus, this information is not correct, and I have provided legal documentation, showing a zero balance.
Product: Debt collection

Had a letter in the mail last year to pay my debt for midland credit they gave me  XXXX  options to pay my dept of I choose option  three monthly payments as low as {$50.00} a month and that was going to be for six  months. I did that set everything up automatically. But after that never got any letter from them with any updates or any other information. So I thought that this was going to be clear but now I 'm finding out that it 's hurting my credit and I want to clear this up. Thank you marielle ashby
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : NOT MINE : name, addresses and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Unknown Account number XXXX Collection opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/22 I was a victim of fraud. As an elder woman, I was conned out of providing my information to someone who claimed to work for XXXX. Soon after I provided them with requested information they XXXX money out of my XXXX XXXX XXXX account for the amount of {$500.00} and out of my Chase checking account for the amount of {$500.00}. I immediately called Chase Bank and soon after XXXX XXXX  to inform of this fraud. They immediately froze my accounts to investigate. On XX/XX/22 I went to Chase Bank in person to close my personal checking account and open a new one due to the fraud. Today, XX/XX/22 I received notice that Chase will not give me the money fraudulently XXXX out of my Chase personal checking account, stating I authorized the XXXX. As of today, XX/XX/22 my XXXX XXXX XXXX account is still frozen and I can not access my money despite being sent a letter received today that they too can not reimburse me for the fraudulent XXXX payment for the same reason. When I asked why my account is still frozen, they say it is still under investigation. I am a victim of fraud. I did not authorize these XXXX payments. I am an elder of age XXXX years old and the victim of elder abuse having this money fraudulently XXXX from my account. Both Chase Bank and XXXX XXXX are promoting this act of elder abuse enacted by the scammer on XX/XX/22 by refusing to reimburse my money. This is fraud!
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 the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been seriously compromised and abused to say the least. Im demanding that the following accounts be blocked and removed from my credit file immediately, all accounts are fraudulent. I'm also demanding that the credit reporting agencies that's reporting these unauthorized accounts show just cause via The Method Of Verification used to even obtain these unauthorized accounts. And if such information can not be granted then the credit reporting agencies shall remove the following immediately. 

1 ) XXXX XXXX XXXX {$2400.00} 2 ) XXXX XXXX XXXX   {$0.00} 3 ) XXXX/XXXX XXXX {$11000.00} 4 ) XXXX/XXXX XXXX XXXX XXXX {$5700.00} 5 ) XXXX XXXX XXXX XXXX  {$1000.00} 6 ) Missouri Div Child Support {$4.00} And also please remove all fraudulent inquiries and that's all of me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Equifax several times pointing that their reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information.