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

I am reporting the unauthorized reinsertion of a fraudulent account on my credit report, tied to an identity theft incident involving XXXX XXXX XXXX XXXX XXXX XXXX. This account was initially deleted, but it has been reinserted without my authorization or the required notice within 5 business days, in violation of 15 USC 1681 ( a ) ( 5 ) ( B ). I never received proper notification, which infringes on my rights under the FCRA to dispute such reinsertions. Additionally, under 15 USC 1681b ( f ), no one is permitted to report or access my credit information without a permissible purpose. This account, linked to fraud, has no legitimate basis to appear on my report. I am invoking my rights under 15 USC 1681c-2, which requires that fraudulent accounts be blocked upon proper identification. Furthermore, under 15 USC 1681i ( a ), any inaccurate or unverifiable information must be permanently removed following investigation. This reinsertion suggests a failure to comply with basic accuracy standards, which may constitute willful or negligent noncompliance under 15 USC 1681n and 1681o.
Product: Vehicle loan or lease

I had a loan with Ally Financial which was in a late payment. I entered a catch up agreement on XX/XX/XXXX with a payment of {$780.00} which is more than the usual XXXX XXXX monthly payment due on the XXXX. 

After the agreement, my bank account changed so I canceled the transactions and made a new post payments on my account for the charges cancelled. 

I made the first payment on XX/XX/XXXX. 

After making the payments for 4 months, they suddenly said I was late and was 30 days past due. 

After talking to customer service, they told me since I made the payment on XX/XX/XXXX instead of the XXXX, it voided the catch up contract which is strange because they were reporting fully paid in the middle of the contract. I also made {$800.00} payments which was more than due and she also said that doing that voided the contract because it has to be the same amounts and dates as the contract. 

So now they say that I'm one payment late, dinged my credit, and wanted an additional payment on the end of the contract on XX/XX/XXXX. 

They also charged me late payments and penalties. 

In essence, they are penalizing me for paying early and paying more than agreed upon. 

I decided that the best
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2022 I deposited a check into my regions checking account for the amount of XXXX via atm. I contacted the customer care center to see if a hold was going to be placed on the check. I was informed that everything looked fine and I would see the funds in my account on tomorrow morning. Upon getting ready for the hospital as I had to have XXXX today a hold was placed on my account. I have contacted regions about this matter and for it to be dismissed as this is not a big deal. This is unethical and regions has been know to discriminate in the past against minorities. This check was issued from my retirement account which the US treasury department sent me. I really like to know if this exemption holds allows to all customers or certain ones.
Product: Credit card or prepaid card

on XXXX XXXX, XXXX I went on line as I do every month to pay XXXX XXXX credit card payment of {$63.00} there was a glitz on line and and they read XXXX and they got that from the chemical bank as a loan of XXXX and my XXXX XXXX  check in the bank was only {$150.00} so now XXXX XXXX have XXXX instead of XXXX and chemical bank gave that to them and now chemical bank has taken my XXXX XXXX check and I have no money to pay my bills or buy anything and chemical bank is hounding me to pay over XXXX back because my XXXX XXXX card had only XXXX that I owed and XXXX XXXX returned XXXX back to chemical bank and chemical bank is trying to make me pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting negative accounts on my consumer report that is ruining my reputation. In accordance with the bible a good name is above all and they are ruining other companies good faith and trust in me. In orer to provide for the common adefens promote establish justice and insure domestic tranquility and secure the liverty and posterity I demand the account of XXXX XXXX XXXX  that is being reported by XXXX and Experian be removed immediately. This account was opened in XXXX of 2020 account number is XXXX and states a balance of XXXX is owed which is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a I filled a Dispute in regard to the inaccurate items on my credit report its been will over 35 Days. I am distressed i haven't requested any information on the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted letters to XXXX, Experian and XXXX disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.
Product: Credit card or prepaid card

Dear CFPB, On XX/XX/20, I made a purchase for an airline ticket with my CapitalOne credit card through the travel agency XXXX for USD $ XXXXto fly on XXXX XXXX on XX/XX/XXXX ( flight 752 ).  The flight was cancelled and I reached out to XXXX on multiple occasions to obtain a refund. XXXX did not respond to my numerous occasions so I reached out to my credit card issuer CapitalOne to dispute the charge for a service that was never provided ( the flight was cancelled and I am being ignored for a refund ). Surprisingly ( or not ), XXXX did take the time to respond to CapitalOne 's chargeback and CapitalOne reinstated the charges ( and CapitalOne never reached out to me for any of my evidence ). I am seeking CapitalOne to honor my dispute and not to be charged for a service I never got. ( I have no desire to pay XXXX the money and then go through the process of trying to get it back from them since they have ignored me already for the last 2 and a half months ). I appreciate all your help and have provided additional documentation that shows the flight being cancelled and my efforts to get a refund. 

Best ... XXXX XXXX
Product: Debt collection

ACS/Conduit seem to be lacking in communication with their debt collection department, XXXX XXXX. I receive multiple phone calls from XXXX XXXX regarding debt that i have already paid. It is time consuming, it is bothersome and it is harassment. I also worry about their reporting tactics and if they are accurate when reporting my payment history to credit beuraus. ACS is unorganized, uncommunicative and make paying back my debt very difficult. Private loans like this and XXXX, need to have the same protections as federal student loans. These companies operate like scam companies. Please fix it!
Product: Payday loan, title loan, personal loan, or advance loan

I have a debit to my account for {$100.00} and this was charged XXXX. I asked an associate why I was charged this and she stated that a previous debit had not been paid and both had been debited to my account on the same day. I asked how I was able to borrow more money if my previous debit had been repaid and she said that the app allows you to borrow more even before they receive confirmation of completion of payment. I asked to be transferred to a supervisor and she did and that supervisor read though my previous conversation with the associate and expressed to me the same thing the associate had. I explained to the supervisor that it was predatory for them to allow me to borrow more money then what I could reasonably repay I asked for resolution and got no response I have now been waiting for over XXXX minutes to get a response. I advised them if resolution could not be made then I would contact CFPB.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and my identity was stolen. Please delete and block the listed Fradulent accounts from my transunion credit report. 
Block and remove these account which are fradulent. These accounts are not mine. I never applied for these accounts ftc report atached to show which accounts are fradulent!!!
Product: Credit card or prepaid card

On or about XX/XX/18 I received an email from my XXXX XXXX credit card company alerting me of possible fraud on the card that I allow my daughter to use. I called the credit card company to find out what charges they were questioning. I then contacted my daughter to ask if she had that credit card in her possession and she said that she did. Based on my discussion with my daughter and a review of my online credit card statement I found that my daughter made three purchases with the credit card on XX/XX/18 at XXXX XXXX  for {$29.00}, XXXX for {$31.00} and XXXX for {$10.00}. All other charges that appeared on the statement were not made by her. These charges included two purchases on XX/XX/18 -- XXXX XXXX XXXX XXXX for {$150.00} and XXXX XXXX   for {$40.00}. Nine other fraudulent purchases occurred on XX/XX/18 at : XXXX XXXX XXXX for {$130.00}, at XXXX XXXX for {$160.00}, at XXXX for {$36.00}, at XXXX for {$120.00} and {$130.00}, at XXXX  for {$260.00} and {$20.00}, and at XXXX XXXX XXXX for {$100.00} and {$230.00}. 

The Bank ( Barclay Bank ) that issued the card required us to fill out a Statement of Fraud indicating the charges were not made by my daughter, which we promptly submitted. I told representatives at the bank that my daughter was still in possession of the card. Thus, according to bank officials since the credit card is still in my daughter 's possession and the purchases were chip transactions I will have to cover the cost of these unauthorized transactions. 

After speaking with my daughter she informed me that she was performing XXXX XXXX ( for her XXXX XXXX curriculum ) at XXXX XXXX XXXX on XX/XX/XXXX -- the first date of the unauthorized transactions. She said that she left her pocketbook, which contained her wallet with the credit card in the conference room, as required by the XXXX. The only possible explanation I could think of is that another student took her credit card from her bag, made the unauthorized purchased and placed the card back in her pocketbook the following day. 

Of course I can't prove this theory but I do know that my daughter did not make any of these purchases. Of course if the purchases were in line with our usual spending habits the bank never would have questioned them in the first place. I am very upset that I know am being required to pay for over {$1400.00} in charges for items we didn't purchase. 

Please let me know what can be done about this. Can I file a police report and get video footage from the vendors of the transactions to prove that my daughter did not make these charges. I thought that there were rules that govern credit card companies that protect consumers in these situations. Any assistance you can provide would be greatly appreciated.
Product: Debt collection

Complaint Number : XXXX XXXX XXXX XXXX XXXX about collection of debt without a written notification Complain Number : XXXX XXXX XXXX No receive of written notification before send the account to a collection and also the possible use of personal information The complaints was submitted by telephone call with a customer representantive at XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Do your follow up on resolved issues. Like me, you can file a complaint with CFPB, have the company comply and remove an item off your credit report as a result, and then one year later, file an unrelated address dispute with Equifax- only have the item added back to your credit report as " unrelated item '' when attempting to correct a home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have no other recourse but to see if an act of kindness can be ascertained through the Consumer Financial Protection Bureau. During the year 2019 I was traveling to my original country on business and family matters, and my wife was in charge of family business, which included paying my bills on time. However, as a mother of XXXX children she lost focus. My statements with XXXX XXXX XXXX XXXX XXXX were not attended to properly, and therefore my perfect credit history was tarnished. I therefore request this member of the credit reporting agency system to give an  honest review of my payment history and the removal of my late payments of XX/XX/2019 and XX/XX/2019. I am not disputing the current rating, but I am asking for an honest review and to be given every consideration for the negative payment removal. 
XXXX XXXX
Product: Credit card or prepaid card

I have return this item to XXXX through XXXX locker system. I was told required time was needed till item would be received and return would be processed. A couple of weeks turned into months and no refund was issued. I contacted XXXX customer service via application and using chat service explained my situation. I was yet again told the item would be reported to a higher chain and investigate further. I didn't here from XXXX again. I then contacted my credit card them for a dispute of the credit. I was charge for a return item and no credit had been issue. My credit card company chase XXXX credit card was able to provide me with a refund, but quickly after a couple of weeks pass XXXX rebilled me for the returned item. I don't know why I was rebilled and later went back to the chat for custiner service and XXXX advise me they would report this to the higher UPS. I was again made to wait for a email response. When I received the the response email it wasn't clear as to whom I had to return information to. The email ask to reply to questions but until later I realized I was answering the reply to the wrong department ; I was told I was out of time when i coreect my mistake and could not pursue a refund of credit. 

Incident Report 1. Order number : XXXX XXXX. Today 's date : XX/XX/XXXX XXXX. Date return item was shipped : XX/XX/XXXX XXXX XXXX 4. How did you ship back your return? ( XXXX pickup, XXXX drop off, mailed with XXXX  or United States Postal Service, XXXX, XXXX Mail, etc. ) : XXXX locker 5. Description of the item returned ( item name, color, size, quantity, etc. ) : XXXX XXXX XXXX XXXX Cellphone 6. Have you experienced prior issues with returning items to XXXX? Never, this is my first time Sent to : XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for a whole year and two months every month to get these fraudulent accounts removed I sent in my FTC identity theft repot and my affidavit most of the accounts was removed from XXXX  and XXXX but Im having such a hard time with experian then they sent me a letter stating they we no longer reinvestigate these accounts which are reporting negatively on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the following collection accounts that are being reported be verified and/or validated with TransUnion : Collection Agency : XXXX XXXX XXXX, XXXX Original Creditor : XXXX XXXX XXXX  ( USA ), XXXX. 
Balance : {$660.00} Account Number : XXXX Open Date : XX/XX/XXXX Basis of Dispute I never had an account with this creditor and I do not owe this debt. 

Collection Agency : XXXX XXXX, XXXX ( XXXX ) Original Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$1100.00} Account Number : XXXX Open Date : XX/XX/XXXX Basis of Dispute I never had an account with this creditor and I do not owe this debt. 


I received a response indicating that both accounts were verified as correct. I then following up in writing requesting the method of verification and who was contacted to in fact verify these accounts as I was never able to verify myself by sending the following : I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have contacted both collection agencies and both have failed to verify this debt and I was provided no evidence. 
In compliance of this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is completely unacceptable. I am requesting a re-investigation along with your method of verification as obligated by law. 
The items in question are inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect these items will be removed from my credit file immediately. According to this regulation, I may sue you in any qualifying state or federal court, including small claims court in my area. While I would prefer not to involve the courts and the news/media to enforce my rights, I wont hesitate to do so if you refuse to comply with the law. 

To date, none of the requested information was received.
Product: Checking or savings account

I opened a checking and savings account at Wells Fargo Bank, using my XXXX Passport, transferring the funds I had in another American financial institution. This year, in XXXX, I received a letter from the bank requiring me to close my bank accounts since I did not have an American address to provide. Well, I have been following all the orientations from the bank, including filling up The Account Closure Request Form, with my signature duly notarized and apostilled, as requested, and with all necessary orientation for the bank to make the domestic wire transfer to my new account I had to open in another American bank. This form was received by Wells Fargo Bank on XX/XX/2022, around XXXX, according to the courier tracking document. Well, I have tried all possible ways on my hands to ask the bank to conclude this domestic wire transfer, such as uncountable phone calls, emails, but for an unknown reason the bank does not proceed with this simple transfer, blocking the money that belongs to me. Despite all this situation described above, I still have been receiving letters from the bank, telling me that I have to close my accounts. I really do not know what else I can do to finish this simple case. Apparently, the bank refuses to make this DOMESTIC wire transfer. Please HELP. I need to use my money, but the bank is keeping it, and, worse, it does not give me any deadline to solve this simple and everyday issue. It seems to be almost an illegal proceeding, since I am the owner of the funds, not Wells Fargo. 
I thank you in advance for your attention and support. 
Regards,