23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX9 ( 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX A ) XXXX XXXX : {$1200.00} XXXX XXXX ( XXXX Creditor : 01 XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to know what inconstancy '' KICKOFF '' do you have in my complaint? The account was not open by me, its falsely bring reported to the credit bureau, and it has negatively being reported on my credit report, per the CFPB that's against the law!
Product: Mortgage

I had a loan with XXXX who entered into a loan modification agreement with me and then suddenly transferred my loan to Greentree Servicing LLC who did not honor the modification agreement. Subsequently they started the foreclosure process in 2010 where it is now in the hands of the court. I need your help to correct this injustice. I 've suffered a XXXX XXXX and other illness XXXX and anguish this has put me and my family through. Not to mention the irreparable finanancial harm this has cause. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses on consumer report that have been found to be addresses which do not belong to me, I have never lived at the listed addresses being reported on credit report.
Product: Debt collection

Person contacted myself. Asked questions about my birthday and told me to verify myself. I stated thats my name and that's not my D.O.B and the rep. said with sarcasm yeah alright you need to learn to pay your bills. Not only that called me a liar and hung up on me.
Product: Debt collection

Shellpoint is servicing a 2nd mortgage on my home. I currently owe a balance of {$12000.00}. I have provided Shellpoint with flood insurance in the amount of {$21000.00}, I received a letter dated XX/XX/20 requesting that I purchase an additional {$4000.00}, worth of flood insurance and are threatening to purchase insurance in my name at the cost of {$230.00}. They have no right to do this as the balance of my loan is only {$12000.00}.. I am a senior citizen and I feel they are taking advantage of me.
Product: Debt collection

Debt is not mine, They Harass me with collections every year. I dont owe this debt. I have never been to the mentioned hospital. Hospital doesnt exist. This harassment and bullying must stop. Collection company refused to send proof of debt validation. Im not satisfied with this resolution. Please I want it deleted from my credit report. XXXX need to stop imposing this debt on me. This is not my debt. 
Collection Company : National Recovery Agency Acct number : XXXX Collection Company : National Recovery Agency Acct Number : XXXX
Product: Checking or savings account

On XX/XX/27 at approximately XXXX EDT. I pulled into the drive thru ATM machine located at the Wells Fargo at XXXX XXXX XXXX, XXXX XXXX, XXXX. 

I intended to withdraw {$450.00} out of my XXXX account, using my XXXX debit card. After I submit my pin and the withdrawal amount. A screen came up telling me to take my cash, however no cash was ever dispensed. 

A timer began telling me that if the funds were not pulled in that time then the cash would be taken and the transaction cancelled. Since no cash was ever dispensed the timer went to zero and the transaction was canceled. 

I tried to Input my debit card a 2nd time and after submitting my pin it instructed me that there was an error of some so sort and transaction could not be processed. 

I immediately checked my account history while still in the drive thru to see that {$450.00} was debited from my account. XXXX for the unreserved withdrawal and XXXX for atm fee. 

I had immediately contacted both XXXX and Wells Fargo in relation to the matter. 

XXXX : Please wait 24 hrs to verify that the pending status has been settled before submitting a claim Wells Fargo : You don't have an account with us we can not help as we do not service the ATM machines. You need to deal with your bank. 

24 hours later the amount of {$450.00} had posted so I began my dispute process with XXXX to which was denied after 2 months of investigation. 

My complaint has been filed with the CFPB for XXXX and now would like to File this against Wells Fargo the operators of the fauly ATM that took my money and is denying any wrongdoing. Bank notes were finally supplied to me but that does not prove that {$450.00} did not come out on the following transaction. 

Simple ATM footage from that day would prove that no money was ever dispensed to me in the 5-7minutes I was in that line and I have identified a camera that sits right on the roof above that ATM. License Plate XXXX, XXXX XXXX  XXXX XXXX. 

I will continue to file these claims until this matter is resolved.
Product: Vehicle loan or lease

My account is past 30 days due which inaccurate, my account was never past 30 days due for west lake profolio management neither XXXX credit card. I was wondering if those late payments can be deleted please because they are inaccurate. Also there is a collection for XXXX XXXX XXXX for XXXX which is inaccurate I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to express my dissatisfaction with several unauthorized inquiries on my report.The information listed below needs to be removed from my file.I am writing to delete the following information in my file. The items I need deleted are listed in the report.
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened a bank account with Pentagon Federal Credit Union ( PenFed ) using my valid Social Security number. In XX/XX/XXXX, I received a phone call from a PenFed employee, XXXX XXXX, who falsely accused me of using a fake Social Security number and having a past conviction for fraud. Based on these false allegations, PenFed closed my account without investigation, causing significant financial and reputational harm. 

PenFeds actions violated the Equal Credit Opportunity Act ( ECOA ) and Florida 's defamation laws. These false statements harmed my reputation and caused emotional distress, financial losses ( late fees totaling {$500.00} and lost wages of {$1200.00} ), and irreparable damage to my creditworthiness. 



Key Violations : Defamation : False accusations of fraud and misuse of a Social Security number. 
ECOA Violation : Discrimination in a credit transaction based on unverified false information. 
Unfair Practices : Closing my account based on false claims, causing financial loss and emotional distress.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Student loan

Reporting late payments to the credit bureau that when I was not late. Then refusing to update the records.
Product: Checking or savings account

After applying for a bridging loan with Sunlight Financial for Eerie Home roofing, making a debit payment for it, and unfreezing my credit for XXXX and XXXX with which we secured a LOC, attempts were made to take funds from my XXXX XXXX  checking and two savings accounts. I spotted it and contacted the bank which froze all original accounts and denied the attempts. I opened new checking and XXXX savings accounts. with XXXX. I contacted XXXX XXXX regarding a closed account since the withdrawal/payment attempts were noted as XXXX XXXX online. They reported no activity from the CO savings account or use of my SS number and removed the XXXX XXXX  connection I had used to deposit savings. 
I contacted XXXX XXXX whose salesman had taken personal info and originated unfreezing of my XXXX and XXXX credit. They denied involvement of any pervious such incidents with their contracts. 
On the day I was flying to XXXX, my XXXX  XXXX XXXX XXXX XXXX  had a swiped charge at XXXX. I contacted XXXX they permanently credited the amount, froze the old account, and are sending me a new credit card. 
I have created new User names and passwords on my various on-line payment accounts. 
I believe I have been hacked.
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. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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, credit repair services, or other personal consumer reports

I have two HARD INQUIRIES on my report that I am not aware of. I have NEVER attempted to apply for anything from XXXX XXXX XXXX In accordance to the Fair Credit I have the right to privacy and XXXX XXXX had violated my rights.
Product: Consumer Loan

21 % interest rate. Stating a loan in the past was not paid which is incorrect. The loan in the past was paid in full within the first month.
Product: Debt collection

Amerifinancial Solutions placed a medical debt on my credit report. I was never contacted by them via mail or phone. I only learned of the debt through checking my credit report. This debt was never validated so I had no assurance of the debt being accurate. I need my credit so I paid the debt, and told them that I need it deleted from my credit as it is harming me and is an impediment to me obtaining financing for the purchase of a new home. The company would not comply when asked for their company address or to speak to a supervisor. I was assured that it would be deleted once paid, but was not given any information or confirmation after it was paid. I asked for a letter and they told me it would be sent in the mail. I havent received it and it hasnt been deleted. When i spoke to an agent I was treated rudely and hung up on when I asked to speak to a supervisor. They said they dont have any live supervisors to speak with and I would have to wait XXXX days to be contacted and it wasnt guaranteed when or if they would contact me. Their policies are terrible, and dont protect the consumer. There was no guarantee whether or not I was being scammed or not, but out of my need to get this off of my credit immediately I paid it. Now the company wont even comply with what I have asked for.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX Balance : {$29000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts and charges on my personal credit file from XXXX XXXX XXXXXXXX and XXXX XXXX that does not belong to me. My information was stolen by someone else and these accounts were opened by the person who stole my identity. I have been trying to dispute these charges with them directly but has not worked out neither they gave me solutions. 

I have late payments entries that I do not recognize at all and I request the removal of these entries.
Product: Credit reporting or other personal consumer reports

1 ) This company XXXX XXXX Balance {$3800.00} Balance updated XX/XX/2024 has reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX, and XXXX ). This account that I have no knowledge of led to severe stagnancy in my business ventures. 

2 ) This company XXXX POTENTIALLY NEGATIVE Balance {$2500.00} Balance updated XX/XX/2024 has reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX, and XXXX ) . This account that I have no knowledge of led to severe stagnancy in my business ventures. 

This company XXXX POTENTIALLY NEGATIVE Balance {$3400.00} Balance updated XX/XX/2024 has reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX, and XXXX ) . This account that I have no knowledge of led to severe stagnancy in my business ventures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Bridgecrest credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have asked multiple times for these companies to give me a copy of this debt and nothing was given to me I. Written. There is no record of me signing off on anything I have asked them to remove these debts off my credit report and they refuse to do so and it is impacting my life horrible. I am have called them wrote letters to these companies. And there has been no answer or reply to my letters or phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been open since XX/XX/XXXX. Account started reporting to all 3 credit bureaus as being closed 2 months after XX/XX/XXXXwhen my checking account had Charged Off because of a negative balance. My credit card was placed on a block until my Charge Off was paid for the checking account. My credit score went from XXXX to XXXX due to this matter at that time. They stop reporting that my account was open and as well they had taken away XX/XX/XXXX & XX/XX/XXXX months of payment history from my credit reports then later put the information back on my credit report which was at least 6 months later when the Charge Off was paid. I regularly made payments on the account even though my access to my credit card was blocked. They kept stating that my account was still open and it should n't be reporting as closed, but someone within the financial institution was giving bad information to all 3 credit bureaus.
Product: Checking or savings account

I opened a new personal checking account online with US Bank on XX/XX/2023 and transferred {$15000.00} internally from another of my checking accounts with US Bank to fund the account ( same day ). On XXXX I realized that I needed to move {$5000.00} back to the account where the {$15000.00} came from in order to cover a payment my spouse made to our credit card, so I went online and attempted to make the transfer when I received an " our system is not cooperating '' error. I next signed into the mobile application and attempted to make the same transfer and received a similar error. 

After receiving the 2nd error I dialed the customer serviced department to request help with the transfer. The 1st phone bank representative hung up on me after waiting on hold for 18 minutes so I called back and spoke with another representative who informed me that my account had a hold which they would need a supervisor to remove, I was then placed on hold and after 16 minutes was disconnected/hung up on. I then called in for a 3rd time and spoke with a representative and explained the situation, she also put me on hold and then tried to transfer me to the fraud department to see if they could help remove the hold. That agent attempted to remove the hold and also hung up on me after many minutes on hold. I then dialed the fraud department directly and explained the situation and was placed back on hold for over 20 minutes, the representative came back on the line and informed me the hold would be removed the following day, I request to escalate to a supervisor in an effort to get access to my funds same day ( still no explanation of why a hold was placed ) and the representative again hung up on me. On my final attempt and 5th call I was helped after a 24 minute hold. I then asked to speak with a supervisor regarding my poor treatment and wasted time and was told " no supervisor was available ''. I then asked to be connected to a peer of the representative 's supervisor and was told that is not an option and was hung up on.

To be clear, I never raised my voice nor did I become agitated. I calmly asked for help and expressed my frustrations over being disconnected repeatedly.

My complaints are 4 fold : 1 ) Why was there an account hold put on my funds ( internal transfer from my own account which I could not get access to ) and why wasnt I made aware of a hold being placed and not being granted access to my funds ( which were from an internal US Bank transfer )?

2 ) Why was no one able to help me ( 5 attempts of me calling in ) find a solution in a timely fashion? And why did no one attempt to call me back after disconnecting my call?

3 ) Why were representatives hanging up on my repeatedly? How is that an appropriate approach to resolving a client issue?

4 ) Why was my request to speak to a supervisor to express my dissatisfaction with the above complaints was I told " that is not an option '' and no other supervisors are available? And was then hung up on. 

I would be 100 % supportive of the inbound calls I made to be reviewed by a CFPB representative to corroborate my story. 

Thank you, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello to whom it may concern so as my transactions on my bank statement will show I was in XXXX XXXX for the XXXX XXXX  weekend ( XXXX XXXX XXXX ). In my current job we communicate through email so when I was checking my work agenda and notifications for the following Monday on Sunday night XXXX XX/XX/21 ) I saw various emails from XXXX XXXX, MoneyGram and XXXX. In those emails it states money had been sent to XXXX from my account which where 2 transactions at different ties from MoneyGram and 2 from XXXX. I was able to cancel any transactions made through XXXX thankfully through the merchant themselves. I called MoneyGram soon after to stop the transaction because it showed on my account as " Processing '' meaning it had not been fully taken so there was a chance at stopping it. When I called the company they first asked me if it was okay for them to record my conversation into which I agreed because it will save as evidence. The first associate who helped me got information from me, I continued to answer their security questions and followed all their steps to verify that it was indeed fraud. In the end of the call I asked him various times if he was going to be able to stop the transactions and put the money back in my account he guaranteed me he had stopped the transaction and I would be getting my money back. Again this was very late at night the conversation took place around XXXX  but I called my bank first thing in the morning when their customer service hours were open to make sure the refund was going in place and the associate told me that MoneyGram had not sent the money back so I called MoneyGram once more and the second associate goes through the same procedure to get the same information with recording as well but this time tells me that the refund is not possible. So I go on to tell him that the previous associate had told me otherwise and even stated in a recorded conversation that the refund was going to be made, all he does as I cry is tell me he is sorry I ask to speak to someone above him and he does not acknowledge it and now I have {$2300.00} that I had worked hard for to pay for my rent which was all my money unfortunately when the transaction is still pending at not even completed because MoneyGram did not want to stop the transaction and did not put the funds back into my account after agreeing to do so in a recorded conversation from their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX SER, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continues to report charge off for XXXX every single month. Be doing so, it unlawfully extends the statute of limitations of last reported use as well as impacting my credit screw as a new charge off every single month and lowers my score compounded every month False statement and representation : XXXX continues to falsely state it has been verified without any proof of verification.

Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )
Product: Credit card or prepaid card

I have just recently filed a complaint number XXXX. The complaint was closed without the proof or documentation. 
American Express did not post the misapplied payment as they stated or adjusted my interest. 
They need to show the proof on my account with payment dates not their word to resolve the matter so there are no more disputes. 
Can you reopen the case and inform them to take a further look as someone did not do the job and they fraudulently stated it was completed. The payment was not applied according to my PDF statements.
Product: Credit reporting or other personal consumer reports

This account is current and is currently my electric company, I do not have any unpaid balances with XXXX XXXX. 

XX/XX/year> amount- {$120.00}