23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The morning of XX/XX/XXXX, I noticed one of my joint savings account balance was much lower than normal, and then discovered that a {$40000.00} wire transfer had occurred. I called Discover Bank to report the wire transfer as fraudulent within an hour and a half of the creation of the wire transfer, and coincidentally just about the time when Discover had given a second approval for the wire transfer. Discover told me the funds were sent to an account at XXXX  XXXX XXXX, and told me that Discover would create a Recall Report and that I needed to contact XXXX  XXXX XXXX to stop distribution of the funds. After several phone calls, later that day I observed that the {$40000.00} had been reversed back into my account by Discover around XXXX. Several days later my joint account received a {$30.00} credit for the wire transfer fee. I believed that either Discover or I had been successful in terminating the wire transfer. Following many discussions with Discover, I changed account numbers and proceeded to close the six accounts I had with Discover due to my concern about the security of our deposits. The accounts were a mix of joint and individual ownerships. One of the accounts was a {$100000.00} CD individual account ownership which I was informed I could close without early withdrawal penalty only on XX/XX/XXXX. About a month after the fraudulent wire transfer, on XX/XX/XXXX, after closing all of the other accounts, I discovered that the {$100000.00} CD was only {$60000.00} due to a debit of {$40000.00} by Discover, and I was locked out of this account. I called and was verbally told by Discover that : XXXX ) Discover had confiscated the {$40000.00} from the CD because they had incorrectly reversed the wire transfer from a different joint account ; XXXX ) Discover had not contacted XXXX  XXXX XXXX with a Recall Request on the wire until XXXX weeks after the fraud was reported ; XXXX XXXX XXXX  XXXX XXXX had immediately responded to the Recall Request by stating that the wire funds had been dispersed, and XXXX ) the only way I could receive any monthly interest from the CD would be to close or reissue the CD for {$60000.00}. I closed the CD account for {$60000.00} in order to receive the prior interest earned and continuing monthly interest, and demanded ( verbally and in writing ) that Discover return the remaining {$40000.00} it has confiscated along with the subsequent earned interest. Discover sent me a very short letter dated XX/XX/XXXX ( which I received in the mail about a month after they confiscated the {$40000.00} ) which stated why they seized the {$40000.00} due to their mistake, and ended with if the wire recall is successful, we will let you know. Discover has had more than 45 days to comply with my demand to return the {$40000.00} it has inappropriately confiscated.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections onXXXX XXXXXXXX XXXX After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile. 

please confirm in writing that you will remove the charge-off/collection from my credit report with all major credit bureaus ( Experian, Equifax, and TransUnion ). 

Thank you for your time and consideration. I look forward to your positive reply and am eager to resolve this matter amicably. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started receiving a bill from Montgomery Ward in XXXX of XXXX. I thought it was spam mail so I ignored it because I monitor my credit and none of the three bureaus were reporting a Montgomery Ward account in my name. After 3 months my credit dropped over XXXX points due to the Montgomery Ward showing up on my credit with no payment made on $ XXXX worth of charges. I don't understand how a fraudulent card/account was opened in my name and not receive a 'ping ' from XXXX XXXX or any of the bureaus like I usually do when I authentically open up a credit card account. I also never received the card, only the bill. How can someone open up a credit card fraudulently and a company mail the card to another address in another State? Montgomery Ward was informed of this when I spoke to them and they referred me to this website. Not sure why... so I am filing this. I also filed fraud with Transition, XXXX and XXXX. I want Montgomery Ward to remove this negative information from my files ( 3 bureaus ). When I spoke to them they said 'oh yes I see this isn't you ' but they don't give me any other information other than the card was mailed to a different address in another state ( good grief ). Why would they do that? That is a red flag! They seemed to know that this was fraud.
Product: Vehicle loan or lease

To Whom It XXXX Concern, I am writing to formally dispute an auto loan account that is inaccurately reported on my credit report. The details of the account are as follows : Creditor Name : M AS FINANCIAL SERVIC Account Number : XXXX Loan Amount : {$9600.00} This auto loan has been reported with incorrect and misleading information. I have previously contacted the lender regarding this issue, but they have failed to provide the requested documentation or resolve the matter. Specifically, the loan was financed at an illegal annual percentage rate ( APR ), and the terms of the loan were both abusive and unfair. Due to these predatory lending practices, the account has been reported inaccurately. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this inaccurate information from my credit report. 

Please conduct an investigation and take the necessary steps to correct my credit report. I expect written confirmation of the outcome of this dispute and prompt resolution. 

Thank you for your immediate attention to this matter.
Product: Debt or credit management

Someone is using my information ( XXXX XXXX ) for services from creditrepair.com. i called them on XXXX  and spoke to XXXX. He was supposed to close file but I received email that they continued with services which i never requested. Someone using address XXXX XXXX, XXXX XXXX  was on my credit report. I requested it be removed from the credit bureaus.
Product: Debt collection

Company ( Ally Financial ) calls from various numbers using spoofing techniques to emulate numbers I have saved as personal contacts Company calls from BLOCKED phone numbers and does not leave message informing me what they are calling about XX/XX/18 I have been in contact with company to make payment arrangements due to a recent new job. Informed them of when my paycheck would be so I can make payment next day. They indicated they would notate my account and hold off on late fees. 
XX/XX/18 Company called from BLOCKED number, did not leave message XX/XX/2018 Company repossessed car between XXXX XXXX and XXXX XXXX, did not leave notice of repossession or company. I thought car was stolen. Called police to create police report. Called auto loan to inform them of theft and thats when they informed me of repossession. Added {$400.00} repossession fee as well as {$200.00} " re-key '' fee even though car has been in their possession less than 8 hours. Escalated problem to manager and he was abusive, vague and incorrect on the facts of my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from Ally on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, Ally reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about XXXX points. I worked so hard to maintain good credit and in one shot Ally destroyed XXXX! 

Please help, they can't violate me and get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this  may concern : I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that are being reported on my file. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL INQUIRIES, which was " Inquiries are a factual record of file. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCR A 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and M UST BE INVESTIGATED, and if you do not investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response 4 days after the recipients received my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on m y Credit Reports disp lays a sign of financial trouble, when that is n't the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness for a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I made a principal payment of {$9900.00} on my XXXX loan which had previously maintained a perfect payment history. This payment was misapplied by XXXX, leading to a series of systematic errors. In XX/XX/XXXX XXXX XXXX erroneously reported a delinquency on my account, causing my XXXX XXXX to plummet from XXXX to XXXX - a devastating XXXXpoint drop. 
Since XX/XX/XXXX, I have submitted multiple disputes to XXXX, XXXX, and TransUnion regarding this incorrect delinquency. Despite providing comprehensive evidence, all three credit bureaus have failed to conduct proper investigations as required by the Fair Credit Reporting Act ( FCRA ).

Evidence Provided to Credit Bureaus Original loan documentation showing 4.800 % interest rate Complete payment history demonstrating consistent payments Bank statements proving the {$9900.00} payment Documentation of unauthorized autopay deactivation Written admission from XXXX Supervisor XXXX XXXX ( dated XX/XX/XXXX ) acknowledging system errors XX/XX/XXXX Account Statement ( showing contractual 4.800 % interest rate ) Professional credit repair service documentation ( XX/XX/XXXX ) All three credit bureaus have demonstrated systematic failures in their investigation processes : Failed to Conduct Proper Investigations : Ignored submitted evidence Disregarded bank supervisor 's documented admission Failed to verify accuracy of reported information Did not investigate payment application issues Provided Inadequate Responses : Sent generic form letters Failed to address specific dispute points No explanation of investigation methods No documentation of findings Violated FCRA Requirements : Failed to conduct reasonable investigations Did not review all relevant information Failed to provide detailed investigation results Continued reporting disputed information without verification Pattern of " Sham Investigations '' : Automated responses without human review Ignored clear evidence of bank error Failed to contact data furnisher properly No meaningful investigation conducted
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, 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, inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failure align with my Experience, where XXXX, XXXX, Experian has neither correct or remove dispute items. Despite the evidence I provided causing ongoing harm to my credit. 
I am requesting immediate corrective action to remove or amend the dispute accounts. As Experian, XXXX, XXXX inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, financed through Credit Acceptance Corporation. The sales price in the loan contract provided by Credit Acceptance is {$12000.00}, but the actual bill of sale I have shows the price as {$9000.00}. This resulted in a {$3800.00} discrepancy. I was also overcharged on interest, which I believe was caused by this price difference. 

Additionally, I never signed the loan contract or any related documents that Credit Acceptance claims I signed electronically. The documents in question were either forged or signed without my consent or knowledge. Credit Acceptance maintains that I electronically signed these documents on XX/XX/XXXX, but I did not authorize such a signature. 

On XX/XX/XXXX, I discovered the discrepancy and reached out to Credit Acceptance, notifying them of the issue. They acknowledged the price discrepancy but failed to provide an explanation for the forged or fraudulent electronic signature. After filing a complaint with the CFPB on XX/XX/XXXX, Credit Acceptance issued a partial refund of {$5300.00} and adjusted the price by {$7400.00}, clearing my loan balance. However, they did not address the fraudulent signatures or take full responsibility for their actions.

Despite this, Credit Acceptance denied offering full compensation or addressing the issue of the fraudulent loan documentation. 

Key Dates and Actions Taken : XX/XX/XXXX Credit Acceptance claims I signed the loan contract electronically ( which I did not ). 

XX/XX/XXXX I contacted Credit Acceptance to report the price discrepancy and the fraudulent loan documentation. 

XX/XX/XXXX Credit Acceptance issued a partial refund of {$5300.00} and adjusted the contract price by {$7400.00}. 

XX/XX/XXXX I filed my complaint with the CFPB. 

XX/XX/XXXX Credit Acceptance responded to my complaint but failed to resolve the issue of the fraudulent signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute letter to validate a debt collection on my credit report, and update addresses on my report .I received a response back stating that the debt is valid, and to remove addresses on my report I have to contact the sources directly. Experian sent no documents from the collection company explaining why. 

I sent a dispute letter to the collection agency ( XXXX XXXX XXXX ) also. They sent 6 pages of online bills with no signature or any proof that the debt is valid. Two of the pages were ads for sprints mobile services. 

The addresses I wanted to remove were attached to public records form over 8 years ago.I just wanted to have current information on my report.
Product: Credit reporting or other personal consumer reports

I filed complaints about false information appearing on my credit report with TransUnion, XXXX, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraudulent account which needs to get removed from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to XXXX, Equifax, and XXXX they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX Balance XXXX {$530.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Six months ago A Georgia Company called Sequim Assets entered a false report of a delinquent. XXXX Account. I went through the process of contesting the Debt and they were unable to provide any proof of Debt. 
They have now either sold or transferred this fraudulent charge To XXXX XXXX in XXXX XXXX New Jersey. 
Do I have to go through the whole process of proof of Debt letters agin to this different company? 
IS it legal for collection agencies to just keep selling or transferring a debt that his been proven to be unsubstantiated?
Product: Checking or savings account

On XXXXXXXX XXXX XXXXXXXX CITI Bank with whom I was banking for 2 years decided to close my small business account. 

As this was my only business account and in order to keep the business alive and pay my employees and suppliers, I needed access to the funds as soon as possible and I called everyday CITI bank and asked them to expedite the closure so they can send the check faster to me. 

On the XXXXXXXX XXXX XXXXXXXX the total balance of {$510000.00} was withdrawn from my account, and subsequently I received a check in the order of my name, ( which is strange, I should've got one in the order of my company XXXX XXXX, as it was a business account ) in the sum of {$500000.00}, so {$3100.00} less then the total amount that was withdrawn. 

Moreover, after the XXXXXXXX XXXX  XXXX additional funds were deposited in my account from some of my suppliers, that unfortunately updated their records of my banking details later than the date when they made the transfer. Specifically, {$2100.00} from XXXX XXXX {$440.00} & {$2300.00} from XXXX. These funds were on my balance until XXXX XXXX when they were again withdrawn by CITI. 

The check I received in the sum of {$500000.00} I tried to deposit on my new business account with XXXX XXXX  XXXX. I wasn't able to do it as it was not in the name of my company but my personal name. So, I tried to deposit it on my personal account with XXXX XXXX XXXXXXXX on the XXXXXXXX XXXX XXXXXXXX. On the XXXX XXXX XXXXXXXX the check was rejected with the line " ITEM RETURN CHARGEBACK '' and XXXX XXXX XXXXXXXX informed me CITI bank has placed a STOP PAYMENT on this check. So now the check is not valid anymore. 

I called CITI on the XXXX to try to understand the situation but nothing clear was explained to me. And now I don't know what else to do, and need help! 

Total money that is owed to me by CITI BANK is {$510000.00}. I request this matter to be expedited and a NEW CHECK for the full sum of {$510000.00} to be mailed to me in the order of my company ( under which the account at CITI was opened ) XXXX XXXXXXXX, as a matter of urgency.