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

Hello, I sent 3 dispute letters to XXXX XXXX  and equifax on XX/XX/XXXX disputing incorrect information from my credit reports and have not received any response as of yet. it's been 3 months, what is going on? I sent another letter to each of the credit reporting agencies in XXXX but, nothing again. From what I understand, if the credit reporting agencies don't respond they have to remove the disputed accounts, well, that is exactly what I am requesting - I want XXXX, XXXX, and equifax to remove the accounts I disputed on XX/XX/XXXX which are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and there is also an inquiry on my credit report that I never initiated from XXXX on XX/XX/XXXX that I would like removed.
Product: Credit reporting

When I type in my personal information I always get an error message saying the information does n't match the information XXXX
Product: Credit card

a lot of charges for XXXX promotion, I sent them an email, but no response, I already paid fraudulent charges, and then finally closed the account. call center, so confusing numbers are wrong too. this company should not be allowed to run
Product: Mortgage

Recently Wells Fargo offer me XXXX steps refinance no closing cost. Wells need to provide breakdown analysis. They misinterpreted whole refinance, afterward increase my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account for XXXX is incorrect and does not belong on my credit report I have disputed this for years and it keeps appearing on my credit i do not have anything to do with this and for it to increase in the amount and to act as if its still open currently and report like that is fraud. This has ruined my life and how i take care of my children. It has made it nearly impossible to get a vehicle for me and my family and it a shame.
Product: Credit card

Chase Bank has attempted to charge me {$82.00} without showing cause for the charge. I have paid the credit card in full and have closed the account. I believe that Chase is involved in attempting to charge customers an amount of money not owned by the customer in an attempt to fool the customer into paying said amount. Chase is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and has failed to report credit and fees correctly. It is my belief that Chase Bank is fully attempting to collect a debt that is not owned to the company ; furthermore, I believe that the company is purposefully involved in this criminal activity.
Product: Debt collection

Violation of Consumer Rights under 15 U.S. Code 1681c-2 I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter.

Details of the affected accounts : I Have attatched copies for all accounts I have previously submitted a detailed report of identity theft, along with supporting documentation Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file.

Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft.

I am deeply concerned that the continued reporting of this
Product: Student loan

I have a total of 8 student loans on my credit report, only 2 have been  validated. On XX/XX/2018 I mailed a certified letter to XXXX College to seek validation of the debt they are claiming I owe and I never got a response.I attended XXXX XXXX College around the time XXXX College is stating I took out a loan. I allowed them 30 days from the date of the receipt to provide me an original copy with my signature on it. They have failed to comply and according to the Fair Debt Collection Practices Act I have the right to request validation of the debt XXXX College is saying I owe. Also I have another issue with XXXX XXXX College, I have been contacting them to provide me with original copy with my signature on it as well for the loan they are saying I owe. I am requesting proof that I am the party you are asking to pay this debt.
Product: Credit reporting or other personal consumer reports

I am seeking assistance regarding identity theft resulting from the Equifax data breach. My personal information was compromised, leading to fraudulent activity that has impacted my financial security. 

See attached documents for more details
Product: Checking or savings account

I start a business ( XXXX XXXX XXXX ) with an attorney ( XXXX XXXX ) from XX/XX/XXXX thru XX/XX/XXXX. I put up over {$250000.00} to start up the company while XXXX XXXX only brought her experience as an attorney. We ended the partnership on really bad terms because she used her law expertise to steal the business from under me. She went to Chase Bank where I have my checking account ( balance {$15000.00} ) and savings account ( balance {$47000.00} ) frozen and they unlawfully gave her all my money. They did not give me a chance to respond. Chase Bank acted recklessly and caused a tremendous amount of hardship for me for this unlawful action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a format letter to Experian requesting that they PROVIDE me with all relevant information validating debt on the XXXX/XXXX Account # XXXX being reported on my account. As of XX/XX/2020 I had not received the requested documentation validating the debt so I mailed another format letter out requesting this information. As of today XX/XX/2020, I submitted a dispute with CFPB regarding Experian and a case was opened. 
On XX/XX/2020 Experian responded to CFPB claiming I am not who I say I am therefore the case is closed. I demand that Experian delete this XXXX   account from my credit report immediately due to ILLEGAL STALL TACTICS!
Product: Debt collection

In regards to complaint number, XXXX, XXXX XXXX provided false information in a feedback response letter. That specific complaint was filed because the payment was tried again, even after I alerted the CFPB alleging potential check fraud/ that I disputed the transaction attempt. 

The company did not provide a response to this specific complaint. I will be in communication with AAFES to question their business with federal contracts in regards to AAFES. This needs to be made public and hopefully AAFES will cancel their contract with XXXX. 

Furthermore, I am posting this current complaint so XXXX does not attempt to send another check through at the end of this month, which I will not authorize. 

Again, as XXXX has stated they " take these matters seriously '', I dont think a FTC complaint is enough and I feel they do not take these matters seriously.
Product: Debt collection

XXXX Medical Records show I owe nothing but still got a from debt collector saying I did!
Product: Credit card

Bank of America is forcing me to destroy my credit. I have contact Bank of America multiple times now both through CFP and them directly about issues with my credit card and the payment and interest rates. Each time Bank of America has denied me. Finally I closed the card in hopes that since I was no longer able to use the card Bank of America would help me in making payment plans on the account. Once again I was denied with the only reason being Bank of America feels I should be able to make a payment. The use a credit assessment that they have refused now multiple times to show me. In this you call in and they ask you on the spot to " guess estimate your monthly payments for each item '' They also pull your credit to complete this assessment without your permission. Essentially they want you to over-estimate to show that you are piratically bankrupt in order to each any sort of finical reduction. I was told that " you 've requested this before and you 've still made the monthly payment each month '' The are punishing you for not letting your account become deliquescent because then you have n't shown you are in enough of a hardship. I have explained to them multiple times my student loans are on a pay as you earn so if I get a raise at work my student loan payment increases. In addition even though they do n't request to pull your credit they use your credit report to dismiss claims you make. I have medical bills that I have a payment arrangement with the hospital to pay and I have a student loan through my university all of which do not show up on my credit report. Bank of America said " we do n't see this on your credit report so we have no way of verifying you actually have these payments '' Once again Bank of America uses a system that does not require you to verify any of your income, does not require you properly determine your bills per a month, does not require you to send in any documentation of payments that do n't show on your credit report, and they use a credit report you do n't authorize them access to. After speaking with Bank of America today ( XXXX/XXXX/2016 ) I asked for their legal offices address to send documentation to and they refused. I request the credit assessment sheet they used and they refused to give it to me. I request for the account to be forced sent to a collection agency who I could work with about payment plans. They refused. Bank of America is forcing me to either make a payment ( which I have already informed them I do not have the means to do so ) or to let my account become delinquent have it reported on my credit report and destroy my credit. They are forcing me to continue to bank with them even though I have begged multiple times to be released. Bank of America is creating an extremely hostile environment. They are causing me XXXX and XXXX which are only increasing my medical bills and putting me into more finical hardship.
Product: Checking or savings account

Currently unable to see direct deposit from employer. Now owe late fees due to bank not providing funds in timely manner
Product: Debt collection

This is collections account for XXXX XXXX XXXX services, the account appears to have been sold to a collections company by the name of Enhanced Recovery Company. This debt was taken care when I went to XXXX  to return their equipment and pay the remaining balance owed. So I do not understand why this is being reported at a debt with a collections company, but my debt is paid in full, and Im requesting all the credit bureaus update my credit profiles in their system by removing this company as a collections from my credit profile accounts with each credit reporting agency or bureau. If it is not removed I will continue to dispute the validity of this satisfied debt which has been paid in full on a monthly basis until it has been done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX A Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  says I owe them {$460.00} but when I went onto my account it says it was paid in XXXX I feel like everything on my account is incorrect I have XXXX XXXX  on there and it says I owe them {$1300.00} something like that but that's false my mother was living there in XXXX I was not living there I was living with my grandmother with my son she use my name I had just turned XXXX now that I'm grown I'm trying to find me somewhere to go because I am XXXX with XXXX children and I filled out so many apartment applications and I got denied because of my credit which is not updated then there is XXXX XXXX I do not owe them I went to my account is there was nothing there. Where is XXXX XXXX XXXX I paid that on the XXXX  of XXXX I think. I tried to dispute but it was declined I'm not sure if I did it correct. I have goals with my credit. My mother said she paid the XXXX XX/XX/XXXX balance of XXXX  in something I need that removed or it can go on her credit I have the manager of the apartments to vouch that I did not live there and that is damaging me getting a apartment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX did not provide supporting documentation, other than verification of the name and last four digits of the account number. They failed to verify the debt with proof beyond just stating my name on the application. Under FCRA 611, if they can not verify with real documentation, the account must be deleted. Secondly, the account states it is charged off. If it is charged off why is there still a balance showing. Reports a charge-off with {$960.00} remaining. If this account has been transferred, the original creditor must update their balance to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When i went to get a car they pulled up my credit report and i said all these fraudulent accounts and all these inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested that all XXXX bureaus sent me validation of the accounts that they stated was verfied and mines. I wanted to know the method they used to verify it because they did not belong to me. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.
Product: Checking or savings account

I have XXXX, XXXX in my checking account with Capital One bank which is the only money I have anywhere. I also have a debit card attached this account. Over a week ago my account was shut down for " suspicious activity '' by their back office in the XXXX ; after i objected to charge the previous month for under XXXX $ with XXXX I attempted to use my card last Sunday and found it was being declined for purchases. 
I called the bank and they stated that my account was closed for personal reasons on their part. I also asked where I could retrieve my remaining funds as I need them and was told by the agent the closest bank to me according to her system was in Virginia. I am in Washington State, and this is not accurate. 
I asked to be transferred to a supervisor and the Supervisor told me I could go to an ATM at any captial one cafe in my area and use my debit card to take out the funds. My debit card was shut down by them also and they refuse to reactivate it. So this is a lie that I would be able to do this. I asked for more help and he said he did not have to help me at all locating a branch location or even help me with resources since they terminated the banking relationship. 
Its been XXXX weeks and I called today and my check has not been cut in order to be mailed to me ( since I was told now today this is the only way to reconcile my remaining funds ). Every charge has cleared in my account and ever pending purchase has settled and things are still at a standstill. I have asked over and over to over XXXX supervisors for a check to be EXPEDITED to me and they are telling me it is up their back office in XXXX XXXX to deal with this and they can not put a timeline on it. XXXX agent told me it would be XXXX business days after the XXXX and today the most recent supervisor told me it would be whenever they get around to it. This is not okay and not ethical to allow foreign agents to make decisions of this gravity and caliber with their clients bank money and " play XXXX ''. 
My bills have since lapsed and I have not been able to pickup medication that is integral to my health and make purchases for sheer essentials. I need help with this ASAP and i need to file a serious complaint against this bank that I have been a client of for over 7 years now and has treated me so horribly based on a whim. I was also traveling during the period of time when my card was shut down and this could have put me in serious physical danger circumstantially.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) 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 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 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 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: Money transfer, virtual currency, or money service

This involves a company called Binance.us which is an online exchange for buying cryptocurrencies ( similar to Bitcoin ). Before buying these currencies ( such as Ethereum ), your have to fund your account with US dollars. I was not able to send money to my account with Binance.us from my XXXX XXXX  account- XXXX XXXX in XXXX MD because Binance 's wiring instructions was not working and also improper. For example, the beneficiary of a wire to Binance was a company named XXXX XXXX and not myself or my name ( which it should be ). i tried three times in XX/XX/XXXX to send money to this account and it never worked. A fourth attempt was made on XX/XX/XXXX to send a {$4000.00} money order to them and after two months of not being credited, the money order was returned to me is a letter from XXXX XXXX and XXXX XXXX on a letterhead which looks suspicious and not an authentic company and not a company related to Binance.us. A copy of the letter is attached with the phony, inauthentic letterhead. The problem since XX/XX/XXXX is that XXXX XXXX tried to debit my XXXX XXXX  account 4 times {$20.00} or {$80.00} for failed funding attempts and XXXX XXXX  dismissed and credited those charges because they knew they were false. After that, Binance.us froze my account with them until I paid the {$80.00} in false charges. It has caused a lot of stress for me not able to access my account which Binance has no right to do. They said they would unlock my account when I move {$80.00} into my account to pay these false fees. I can not move the {$80.00} into my Binance.us account because my account is locked. Binance.us appears to go along with this wrongful control because they want to keep the balance in my account elevated even though they are not a secure long term storage wallet. Binance.us should be regulated more like a bank and also they don't provide direct telephone support or even direct email support and never get around to taking care of this problem.
Product: Debt collection

I have requested validation in regards to the following collection, I got a printout from them saying the amounts, I don't know if that is the amounts I was told how much of it insurance was supposed to cover. I therefore requested more information to which I got no response yet they keep verifying this information the XXXX.
Product: Vehicle loan or lease

I have gotten behind on my Auto loan in XX/XX/2021 due to being laid off due to Covid-19. I have called my Auto lender about my situation. I explained I will be out of work for about 3 months & requested payment forbearance, Extension or pay interest only. After being on hold & phone several times & talking to multiple customer reps I was allowed only one month extension, no release of late payment fees & still reporting me to credit bureaus as late. They have no set plan to help or work with there customers with financial hardships due to the pandemic that is been ongoing for a year. Very sad & pathetic for such a large bank.
Product: Mortgage

My mortgage payment is due on XX/XX/XXXX. I received a bill on XX/XX/XXXX. I think this is an unreasonably short period of time for me to submit a payment especially given that XX/XX/XXXX was a postal holiday.