23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Bank Account Number - XXXX I received a copy of my credit report. To my surprice, you are reporting this account incorrectly. This collection account is reporting not only as a CHARGE OFF ACCOUNT, but also shows a past due balance of {$590.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Money transfer, virtual currency, or money service

Paypal is allowing scammers to use their service with no consequences. I was scammed out of {$50.00} and have proof. Its not a whole lot of money but this should not be allowed to happen. 

I usually never pay a deposit but the group was recommended locally and the amount was small so i fell for it. I feel like a fool but i dont want to allow others to male the same mistake.
Product: Checking or savings account

On XX/XX/2023 I made a mobile deposit of a check i/a/o a little over {$3000.00} in a Wells Fargo checking account . WF posted the amount, immediately allowed {$400.00} available and promised to release the remaining amount on XX/XX/2023. That never happened. On XX/XX/2023 they flagged the deposit as fraudulent, put a hold on the entire amount of the check that was already posted which caused the account to have a negative balance and threatened to close the account by the end of the month. WF won't release the funds until XX/XX/2023 and then they will close the account on XX/XX/2023. By that time the entire amount of the deposit will probably be spent on overdraft fees which will end up going to WF. I spoke to following to try to resolve the issue : someone on the phone in Claims, someone in person at a bank branch, someone on the phone in customer service, someone on the phone in the dept. that puts holds on checks being deposited. Nothing has been resolved and I have no money for groceries and I can't pay my utilities which will probably be cut off. The check deposited is from a trust account and is guaranteed to clear. The money had been posted but no available. The account is in the negative of over {$300.00} because of the last minute change made by Wells Fargo.
Product: Credit reporting or other personal consumer reports

I noticed that have been a victim of identity theft and numerous accounts on my report that i am unaware of : 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 XXXXXX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/year>. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On or about XX/XX/XXXX, I opened a business account with Chase Bank. The Business name is XXXX XXXX XXXX XXXX XXXX XXXX. 

The relationship with the bank lasted for less than one year because on or about XX/XX/XXXX, I went to the nearest XXXX to make a withdrawal and I was notified that the account has been closed. No reason for the closure was given to me. 

A few days later I went back to check the status, but I was informed I will receive a letter with a check for the total of XXXX. On or about XX/XX/XXXX, I received a letter from Chase dated XX/XX/XXXX. In the letter, they wrote among others '' Important information : We have decided to close your account. No reason was given as to why the account was closed. 

In my extremely frustrated state, I reach out again to the bank, this time one of the staff assured me that the check will be put in the mail. Still, when I got a letter that they mailed to me it turned out to be the final Statement of Account from XXXX XXXX XXXX. There was no check. 

Meanwhile my workers a quitting for nonpayment of their salaries, My business operations are dwindling, and My health is failing as a result, of XXXX XXXX and XXXX XXXX 
this has turned out to be a nightmare. Chase is still holding my business funds unjustly.
Product: Debt collection

In 2012 I attended XXXX XXXX XXXX college. This balance needs to be forgiven under the condition that this school closed and I am eligible for Closed School Debt Relief. I have spoken with representatives from XXXX XXXX on several occasions in regards to this debt and no one has removed this account from my credit report. This account needs to be updated to a XXXX ( XXXX ) balance and " Paid as agreed '' OR removed completely and permanently from my credit report.
Product: Checking or savings account

I have received a text claiming to be from XXXX adding a XXXX person. And another text about forgotten password. 

I have closed my accounts with XXXX a couple years ago. 

I also had someone use my information to file for unemployment at 2 jobs.
Product: Credit reporting or other personal consumer reports

On August 1 ,2023 I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Money transfer, virtual currency, or money service

I send a domestic wire transfer of {$510.00} from my Wells Fargo account to XXXX XXXX  XXXX on Monday, XX/XX/XXXX. Unfortunately, my Wells Fargo account did not indicate that the money had been removed from my account, therefore I made the decision to send another wire because my Wells Fargo app indicated that the wire transfer had failed. My account was charged twice for the same wire the following business day, so I contacted Wells Fargo right away. I spoke with several agents over the course of two hours because no one was able to assist me, so I went in person to the branch. I've been calling for exactly one month, and no one has responded. However, this is intolerable.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally report fraudulent activity on my credit report, including unauthorized accounts and fraudulent collections resulting from identity theft. This letter serves as a demand under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) for the immediate blocking and removal of this information from my credit file. Please consider this correspondence, along with the enclosed documentation, as an official identity theft report pursuant to the Fair Credit Reporting Act ( FCRA ). 

FTC Report Number : XXXX FTC Report Date : XX/XX/year> In accordance with 15 U.S.C. 1681c-2 ( a ) and the related provisions under FCRA 605 ( b ), credit reporting agencies are required to block disputed information resulting from identity theft within four business days of receipt of a valid identity theft report. This obligation applies to the accounts detailed below, which I identify as fraudulent : Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$5300.00} I have included the following documentation to support my claim : A copy of the FTC Identity Theft Affidavit ( FTC Report Number : XXXX ). 
A Police Report documenting the identity theft. 
A copy of my Government-Issued Photo Identification for verification purposes.

A recent Utility Bill or Bank Statement confirming my address.

Under the Fair Credit Reporting Act, failure to comply with these statutory requirements constitutes a violation, including but not limited to : 15 U.S.C. 1681c-2 ( a ) : Obligating the blocking of fraudulent information within four business days of receiving an identity theft report.

15 U.S.C. 1681s-2 ( b ) : Requiring furnishers of disputed information to conduct a thorough investigation of the disputed accounts upon notification.

15 U.S.C. 1681i ( a ) : Mandating reinvestigation of disputed information.

I further demand that any collection activity related to these fraudulent accounts cease immediately as required under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692c ( c ), which prohibits continued collection efforts on disputed debts.

Additionally, I request written confirmation of the following : Receipt of this letter and all enclosed documents.

Blocking and removal of the identified fraudulent accounts from my credit file.

An updated and corrected copy of my credit report reflecting the requested changes.

Please provide the confirmation and updated report at the earliest opportunity.

Thank you for your immediate attention to this matter. I trust you will act in compliance with your obligations under the FCRA and FDCPA to resolve this issue promptly. 
Sincerely, XXXX XXXX XXXX XXXX
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  Account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX XXXX XXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 conviction 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

Got a Prepaid American Express gift card today XX/XX/2023 and tried to use it for XXXX gifts for my son. Its constantly declined on every website, it says payment issue please try again and when I tried to transfer the money to my paypal just to see if it would work there it continues to say my card doesnt exist. I called the company and the card is activated and theres money on it. Basically I cant buy part of my sons gifts because I was relying on this gift card and it doesnt work at all on any website or in store.
Product: Mortgage

In XXXX XXXX XXXX I was offered a forbearance plan by my loan service company, XXXX XXXX XXXX XXXX  I accepted the assistance with the understanding that at the end of the forbearance period, which was left open due to the Covid-19 Pandemic, I would simply be able to resume payments and that all payments that were skipped would simply be moved to the end of the loan contract. 

Soon after, only a few months, my loan servicing was taken over by Rushmore, the company mentioned above. This company allowed me to extend the forbearance until I requested by phone in XXXX of XXXX to allow me to resume payments. This request was refused and I was told that I would have to submit financial documentation in order to resume payments. 

I complied and finally on XX/XX/XXXX, received a letter from them denying my request to resume. This letter, dated XX/XX/XXXX, states that I have 14 days from that date to list my home for short sale in order to avoid forclosure. By phone, Rushmore 's customer service representative stated that my only alternative would be to make up all of the payments that this Forbearance plan allowed me to skip and then I could resume payments. This appears to me to be some sort of predatory lending scheme in order to take my home from me. 
My home is worth nearly double what is owed on it and I do not want to sell.

I have attached copies of Rushmore 's Determination Letter, My appeal to Rushmore, and my request for all documentation from the original loan up to this denial letter. I want them to send me copies of every document in their file on my loan including the original loan papers from the original lender, all loan transfers and everything that contains my signature or initials.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to show a report in existence, but no data in it is accessible to consumer, other reporting agencies, creditors or anyone else. No security freezes, locks, or other such restrictions are in place. 

Company 's response consists solely of stated bewilderment, with no attempts to correct, in defiance of authority of CFPB and US government. 

My access to Equifax is thru XXXX, and they can not access the data needed
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : BEST EGG  XXXX Open Date XX/XX/2017 Balance : {$0.00}
Product: Mortgage

My XXXX XXXX XXXX XXXX XXXX XXXX  foreclosure, I paid the requested amount and was provide with a mortgage statement on XX/XX/22 showing a XXXX balance. Then this week I was sent a letter stating that there is still almost XXXX due. I have spent almost XXXX hours on the phone recieving bad information or being told that they could not help me and being transferred multiple times.
Product: Payday loan, title loan, or personal loan

My Lending Club payments are due the XXXX in the amount of {$600.00}. I phoned in my XX/XX/XXXX payment on XX/XX/XXXX for the amount of {$630.00} to cover the amount due plus late fee. I asked the rep twice if I had avoided being reported 30 days late and she assured me I had. I also received email confirmation of the payment which I am uploading with my complaint. I followed up on XX/XX/XXXX when I noticed my bank account didn't reflect withdrawal for the payment. I made payment again that day over the phone and that rep said he would submit a trouble ticket to have a supervisor review my XX/XX/XXXX call for their processing error and that I would hear back from Lending Club. 

On XX/XX/XXXX, I received alerts from credit reporting apps that my Lending Club account was reported 30 days late causing my XXXX and XXXX scores to drop XXXX points. I called Lending Club twice that day, and the second time representative XXXX ( XXXX? ) informed me that it appeared the rep I spoke to on XX/XX/XXXX processed my payment and then for some reason cancelled the payment in error. The first rep did not mention this, nor did the rep I spoke to on XX/XX/XXXX. XXXX said she would submit a trouble ticket to have this issue addressed. 

I am involving CFPB in the matter because Lending Club has not followed up with me and has not been forthcoming with the fact that the rep who processed my payment cancelled the transaction in error, and this error caused my credit score to drop significantly. I do not have faith that Lending Club will rectify this with credit bureaus of their own volition in a timely manner.
Product: Debt collection

Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor Name ATHENS 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 Debt paid and sold to collections I do not have a agreement with them nor owe the new collection which is the wrong amount and have already started garnishment on my wages taking over {$400.00} out a week.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Late Payment on XXXX XXXX XXXX  XXXX, Account XXXX Dear TransUnion Dispute Resolution Department, I am writing to formally dispute the inaccurate information on my credit report regarding a late payment reported by XXXX XXXX XXXX XXXXXXXX on my account, XXXX. Upon reviewing my credit report, I found that a late payment is listed that does not reflect my actual payment history. The referenced account was open in XX/XX/year>, first payment made in XX/XX/year>, and account paid off in XX/XX/year>. Even the payment legend provided by your company shows all green/ok. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or can not be verified. Specifically, Section 605B of the FCRA provides that any information reported about late payments must be accurate and verifiable by the reporting party. I assert that this late payment was reported incorrectly, and I request that it be removed or corrected immediately. 
I have made payments on time and in full as per the terms of my agreement with XXXX XXXX XXXX XXXXXXXX. 
Additionally, this false late payment is not on my XXXX or XXXX accounts, which show paid as agreed, no late payments, which shows discrepancies with your company. This is the third attempt to rectify this. Under the FCRA laws, I am entitled to damages paid by you to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting I owe a gas account and that is incorrect.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and have attempted to have accounts removed from my credit report without success. I have provided all the necessary information to the credit agencies and the companies for years and still no resolution has been rendered. XXXX XXXX XXXX opened in XXXX of XXXX with a balance of {$6700.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$20000.00} is fraudulent and needs to be removed. XXXX XXXX XXXX opened in XX/XX/XXXX with a balance of {$1100.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$890.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$2100.00} is fraudulent and needs to be removed. XXXX XXXX XXXX XXXX opened in XXXX of XXXX with a balance of {$1000.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$520.00} is fraudulent and needs to be removed. I have already filed an Identity theft claim with the FTC and my reference number with them is XXXX.
Product: Credit reporting or other personal consumer reports

My Credit score dropped A LOT from over XXXX to XXXX! 
Only for 1 enquired. 
Also they used my XXXX XXXX XXXXXXXX Credit Card WHICH NO DUE OR LATE PAYMENT AT ALL to low XXXX report.
Product: Debt collection

XXXX sent my personal debt to my parents. I do not live there nor have I ever lived there. I am XXXX XXXX XXXX adult. How dare you disclose my private information to my parents when I am a legal adult. How DARE YOU?! Notice sent on XX/XX/28 by XXXX of Rozlin Financial Group!!!! HOW DARE YOU STOOP SO LOW TO EMBARRASS ME?
Product: Money transfer, virtual currency, or money service

I have internationally transferred {$420.00} through Ria Money Transfer on XX/XX/2023. However, the money is still ( XX/XX/2023 ) not deposited into beneficiary account though its delivery is promised no later than XX/XX/2023. I have contacted multiple times in this regard with Ria electronically and over phone but not resolved yet. Besides the respective representative is not interested in providing satisfactory answer for its delay or holdup though submitted all requested paper. I therefore decided yo bring this matter into the attention of CFBC. Regards,