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

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX and XX/XX/XXXX are inaccurate. My payment history reflects consistent on-time payments, and I have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Summary of Errors and Discrepancies : The account reflects late payments in XXXX and XX/XX/XXXX, which are inaccurate. 
Payment history should reflect 100 % on-time payments. 
The discrepancies misrepresent my creditworthiness and violate consumer protection laws. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I went to First National Bank in XXXX, NC todayXX/XX/XXXX. Cashed a check for {$500.00}. The teller gave me ( 4 ) {$100.00} dollar bills and ( 5 ) {$20.00} dollar bills. I took the cash to my bank, XXXX XXXX XXXX XXXX, and the teller noticed one of the {$20.00} 's was counterfeit. I returned to First National Bank and they would not rectify the situation ... I am basically out of {$20.00} because THEY gave me a fake bill. I surrendered the counterfeit bill to XXXX XXXX XXXX and obtained a form stating such. <P/>I am filling a complaint due to the fact that First National Bank needs to exercise more due diligence to use caution in making sure the banks do not issue counterfeit bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been in contact in the past with bank of america trying to resolve this identity theft issue that resulted in me owing them over {$500.00}. I have filed a police report, and have provided them with the information to contact the XXXX Police Department. However, after one year of trying, Bank of America refuses to delete this incident from my XXXX and early warning report. This fraudulent account that was opened due to identity theft has caused me nothing but turmoil and agony trying to open a bank account, self lender account, and credit card accounts. I am a XXXX XXXX XXXX who can't open a bank account to receive direct deposit from my PT job and I can not open a self lender account to help build my credit so that I can apply for a loan in the future. I can not even get approved for a subprime card, such as XXXX XXXX to help build my credit. Luckily I was approved by XXXX for an auto loan because they are unlike traditional banks. 

Bank of America replied in XX/XX/2018 with this statement : " When we closed the checking account ending in XXXX, the final balance was negative {$530.00}. Please contact our Recovery Services unit at XXXX Monday to Friday XXXX XXXX. to XXXX XXXX Eastern, to make payment arrangements for the outstanding amount owed. We have confirmed that as of the date of this letter, this account was accurately reported to XXXX  , XXXX and XXXX XXXX XXXX , XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me, as I am a victim of identity theft. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The FCRA section 605b states that this matter should be addressed within 4 days yet, I have been ignored and violated by Experian for months now. The accounts are listed here below. Bankruptcy Chapter XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX   account # XXXX
Product: Credit reporting or other personal consumer reports

My information was used to apply for credit cards in my name in XX/XX/2022 fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to XXXX, XXXX  and Equifax regarding false information listed in my credit report and have not received any feedback. I sent these letters back in XX/XX/XXXX, XX/XX/XXXX and just sent in another letter in XXXX. It has been several months and I haven't heard anything. I've sent my letters regular mail and certified mail and still nothing from XXXX  and XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late or Missed Payment ( s ) XXXX Account Number : XXXX XXXX Account Number : XXXX Reason for Dispute : I was never late and believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report. Thank you.

Public Records : Reference Number : XXXX Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. Thank you.
Product: Student loan

I am a co-signer for a student loan through Wells Fargo Bank. We are having trouble making our payment. The bank is making any effort to " restructure '' the loans impossible. We would like to combine them into XXXX loan with a fixed rate. I do n't know what to do. 
The more I look deeper into this, I 'm realizing we were giving bad information by my sons college / financial department. Steered towards Wells Fargo.
Product: Mortgage

My problem is with my mortgage lender Wells Fargo. I continue to get conflicting information from their loss mitigation department in relation to my requests for homeowner assistance programs. One letter  I receive tells me I have been reviewed for assistance options too many times so I dont get another chance to have my information reviewed. A different letter states that my only option is a short sale, but later in the same letter it says that I am not eligible for the short sale program. Another letter states that I am eligible for re-entry review because I have had a definitive change in my financial circumstances. Yet the most recent letter says I cant apply for anything other than reinstatement.  <P/>  XXXX   XXXX  re ceived over   XXXX   XXXX   dollars in taxpayer funded bailout monies. This was  followed up by unprecedented scandal with the fake bank account scam that Wells perpetrated on thousands of innocent account holders. I am not surprised tha t Wells Fargo is talking  out of both sides of their mouth. In an earlier letter sent in response to a Consumer Financial Protection Bureau compl aint, Wells gave one response,  then they sent conflicting information t o US Senator   XXXX   XXXX . I dont know how  Wells Fargo can  get away with this.  <P/> I understand that I have received help in the past and I appreciate it. Nonetheless, I deserve the opportunity for a new revie w. Wells Fargo has obstr ucted the process for over 6 months, and for this reason I want the sale date to be postponed, and I need to be approved for re-entry and a new review for modification, forbearance agreement, restructured loan as well as deferred interest and principal forgiveness programs. I dispute the fact that I have exceeded the maximum number of reviews for assistance and assert that this is a guideline and standard that does not exist. I would like for Wells Fargo to provide a copy of their pooling and servicing agreement for this loan and highlight the specific verbiage that states I cant be considered for any type of he lp. Wells Fargo actually c ontradicts themselves ( please see attached documentation ) in the various letters sent out in relation to this matter, but would like to request a copy of this directive, because I am certain it does not exist.  <P/> I want to stop the games and start the revie w. Wells Fargo has obst ructed access to all programs for well over 6 months and this needs to stop.
Product: Vehicle loan or lease

I am needing a lien release on vehicle paid off in XXXX of XXXX, 30 days after bought. Company has merged several times. Initial loan was with Compass bank. XXXX XXXX XXXX took over XXXX. Have called XXXX  ( XXXX ), XXXX, XXXX ( XXXX ) XXXX XXXX  and finally XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ). No one I've talked too has been able to locate the lien release. All conversatioons took place between XX/XX/XXXX and XXXX XXXX. Lien issued by Compass bank, bank name changed to BBVA  USA then merged with XXXX XXXX  XXXX XXXX. Thank you for your time and attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I paid {$190.00} to XXXX " XXXX XXXX '' for an XXXXXXXX XXXX XXXX. I paid him directly through XXXX, using the account name he gave me. I do not a record of that account name, just his name. 

On XX/XX/XXXX, he collected funds. He never sent me the card or any tracking information or any indication that it was being shipped. He only noted : Domestic : NO SHIPMENT TRACKING XX/XX/XXXX, Sent by MANUAL Status : On Hold This was a direct purchase via an e-mail offer. 

I think I was phished or scammed.
Product: Credit reporting or other personal consumer reports

It has become clear that XXXX has disclosed my nonpublic personal information ( as defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) " Account balance information, payment history, overdraft history, and credit or debit card purchase information '' ) to at least three nonaffiliated third parties, XXXX, Equifax, and XXXX. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6801 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, by law financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information, as required by federal law. I have OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 127 violations of my privacy regarding my accounts with XXXX since XXXX. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

Following were the terms of my PARTIAL OPT OUT : 1. I do not authorize you disclose account balance amounts. 
2. I do not authorize you to disclose account payment amounts. 
3. I do not authorize you to disclose instalment amounts or terms. 
4. I do not authorize you to disclose credit limits. 
5. I do not authorize you to disclose credit purchases. 
6. I do not authorize the reporting of my payment history in $ amounts. 
7. I do authorize the disclosure of my account payment status ONLY ( Paid, or Paying as agreed ) I have received no response after my express OPT OUT on XXXX XX/XX/XXXX, and XXXX is still disclosing my nonpublic personal information to XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been getting denied for housing and employment. I decided to finally decided to sign up with a credit report and monitoring service. Thats when i seen a bunch of addresses, a name, accounts, collections, inquiries and many other inaccurate items on my reports.I then received a fraud alert to that my personal information has been compromised and has been found on the dark web. Its been found in a XXXX XXXX XXXX and other data breaches. I didnt understand what that is so I went on a few consumer law attorneys websites and they said that the law says that its credit reporting agencies duty to report only 100 % accurate information, or they can be held accountable. I sent one a copy of my report and they said WOW this is horrible. My report is filled with inaccuracies and accounts that are not mine. They then pointed me to this website because this is a bad situation for me and my kids. We can not find housing and I am running out of time and this is holding me back from moving and getting my family into a better life.Ive also filed a report with FTC I dont understand how this is happening My reports are very inaccurate The only name that should be on my report is XXXX XXXX XXXX The only address should be XXXX XXXX XXXX XXXX, CT XXXX. Also I didnt give any of these companies permission to pull my credit report. I didn't make the inquiries thats shown. XXXX XXXX  XXXX XXXX , US DEPARTMENT OF EDU, XXXX XXXX XXXXXXXX XXXX These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX, There are also accounts in collections that i dont recognize. I've never had an account with any of these companies and they are reporting false information. 
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

I was impacted by Covid-19 and because of the impact a payment on a loan was reported late to the credit bureaus. I attempted to contact the creditor to inform them of my Covid-19 impact and was unsuccessful in doing so. The creditor is XXXX and is reported as XXXX XXXXXXXX XXXX. Other creditors were contacted and responded in time, however XXXX has refused to cooperate. I have attached a copy of a letter from another creditor who did respond to my Covid-19 impact statement and removed a late payment. A copy of my photo ID is also attached to this dispute.
Product: Debt collection

Credit Corp Solution has sued me IN THE NAME OF THE STATE OF OREGON to collect a charged-off alleged debt created by XXXX  using the XXXX-XXXX  account. This was not an authorized transaction. Read the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference under XXXX, transferred TO XXXX  XXXX XXXX, account is inaccurate, and based on CFPB findings this is due to fraud and identity theft as the full outstanding amount was paid to the collection agency. Since this fraud account was paid by me months ago, I request that the account be deleted because it is hindering my life and it negatively impacting me. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid to the collection agency that we agreed to settle and statements proving that I successfully made payment. 
15 U.S.C 1681 Section 602 A States I have the right to privacy In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights as it is a fraud account and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.
Product: Checking or savings account

Overdraft was caused in XX/XX/XXXX due to erroneous XXXX billing. It was a weekend so i contacted XXXX and they agreed to reverse the charge. On the following Monday I went into the PNC branch and asked the manager to reverse the overfrafts. I showed her the email from XXXX support and she refused and said I had to file a dispute ... which I did. I told her i would be closing account as I'm unemployed and alimony is $ XXXX month. At that point they had already assessed approx {$300.00} in overdraft charges. I don't know about you but {$700.00} remaining isn't going to cover monthly expenses much less food! 
I respectfully request the CFPB subpoena all email messages sent to PNC customer support via their secure email system. These messages which I no longer have access to clearly state I told them to close the account. Fast forward 3+ months they continued to charge monthly service and overdraft charges amounting to over $ 500+. 
While they did refund {$150.00} it is inexcuseable dishonest conduct. Please see attached documentation. I'm in the middle of a messy divorce so this and financial concerns has taken a back seat. The other issue is our MD state tax refund that was to go to my soon to be ex was mistakenly deposited into the PNC account as a clerk in accountant 's office used my PNC account into instead of his ... and PNC took the ENTIRE refund in overdraft charges ... had they been honest from the beginning and refunded the overdraft charges NONE of this would have happened. 
Again please subpoena those messages from both my personal checking account and business XXXX XXXX XXXX. They clearly indicate the accounts were to be closed so they have continued to rack up deceitful charges for months. Horrible bank. Horrible situation and complete lack of empathy or understanding on a situation that was not my fault. As far as their assertions w XXXX they had already been notified and given alternate cc number so not sure why ... and had they closed account it wouldn't have been an issue. 
Also PNC has been told not to call me ... and I would appreciate if they communicate only through you
Product: Debt collection

I am writing to express my extreme frustration and anger regarding the sudden appearance of fraudulent collection accounts and unauthorized inquiries on my credit report. The inclusion of this inaccurate and damaging entry is not only unfounded but also severely tarnishing my financial standing and destroying my creditworthiness. ZIONS DEBT HOLDINGS PLEASE DELETE IMMEDIATELY! It is utterly distressing to discover such derogatory information on my credit report. The sudden and unexplained appearance of this fraudulent collection is not only shocking but also completely unacceptable. I demand an immediate and thorough investigation into these matters, and I expect prompt action to rectify these inaccuracies in my credit report. The presence of fraudulent information is not only damaging my creditworthiness but also causing undue distress and frustration. I find it incredulous that such damaging entries could be added to my credit report without proper verification and validation. Through my investigation I found that this company has this account listed under an address that I have never used, tied to spouse and family members that live within this address that I have no knowledge of so how is that XXXX has allowed this account to be added to my credit report without proper validation and knowing that It is your responsibility, as a credit reporting agency, to ensure the accuracy and integrity of the information you report. Your failure to do so is a direct violation of the Fair Credit Reporting Act. 15 USC 1681 C ( A ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item and are being reported again without my permission, which is against the law. Furthermore, 15 U.S Code 1681S2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 E states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/2017 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.