23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Money transferred thru Zelle without my permission I was unable to get back. My account was closed once fees got to high
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reported 30 days late and i have made all the payments on time. People were supposed to call me and never did. I gave them all the documents and proof needed with bank statements account info etc. They are wrong and refuse to cooperate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is with fair collections and out they say I owe {$5700.00} which is not accurate, I have verbally spoken to them regarding a dispute and they have not provided any validation or documentation of the debt, additionally tried to dispute through credit glory and they did nothing but charge me over {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Checking or savings account

Previous complaint number XXXX We deposited a mobile deposit check on XX/XX/22 for XXXX from a magistrate on XX/XX/22 it was taken out of my account from Wells Fargo stating it was a duplicate deposit with XXXX  XXXX I contacted XXXX  XXXX and it did not process because it was already cashed through Wells Fargo I've done 2 disputes and they continue to close them I want my money back the magistrate confirmed Wells Fargo did indeed cash this and they have the money Wells Fargo responded with sending the credit to XXXX XXXXXXXX but XXXX  XXXX did not cash that check so I need the funds put back in account it came out of
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXXXXXX. 
Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account BalanceXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$9400.00}
Product: Money transfer, virtual currency, or money service

Someone used my cash app to purchase a money order. I contacted cash app to file a claim and they denied the return of my money
Product: Credit reporting, credit repair services, or other personal consumer reports

This isn't denying the debt debt but to report that XXXX XXXX XXXX is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though XXXX XXXX XXXX is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX and TransUnion reports a high balance of {$16000.00} while reporting {$12000.00} on XXXX. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXXPD and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX shows XX/XX/XXXX while XXXX shows XX/XX/XXXX and TransUnion showing XXXX. This account on XXXX  and TransUnion shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. XXXX  shows this account was an auto loan when in fact it's an Lease as shown with XXXX and TransUnion, The payment history across XXXX and XXXX are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and XXXX did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute the Inaccurate and unverifiable information appearing on my credit report as per rights under the FCRA. As TRANSUNION repeatedly failed to comply with their legal obligations to properly investigate and remove Inaccurate information. Specifically violating the following, Per 15 U.S. Code 1681e ( b ) failure to maintain the accuracy of my credit report. Per 15 U.S. Code 1681s-2 negligence in ensuring data furnishers must only report accurate and verifiable information. These accounts XXXX XXXXXXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX  # XXXX date opened XX/XX/XXXX XXXX charged-off with a {$0.00} balance XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balnce XXXX XXXXXXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX  # XXXX XXXX opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX reporting charged-off with a {$0.00} balance were sold and purchased by another lender and not properly validated. And I request immediate verification of all details under the FCRA section 611 ( 15 U.S Code 1681i ) If it can not be verified in compliance with federal regulations, it must be removed immediately. And under the FCRA guidelines, if a creditor reports an account as a charge-off, with a {$0.00} balance should not be reporting in my credit report. If it was sold to a third party or no longer owed directly to the creditor. I demand a correction or immediate deletion if the accounts can not be validated accurately.
Product: Debt collection

This company is using stall tactics to avoid accountability for violating my consumer rights. I previously file a complaint about this company and they responded with questions about my identity. This is a common stall tactic used to avoid complaints made to this platform. I would like the CFPB to do a full investigation into this matter. I also provided screen-shots of the company 's response to my previous complaint. They are requesting information that they already have, For example, how was this company able to identify me using my maiden name : XXXX XXXX, but I made the complaint using my martial name : XXXX XXXX. This is proof that the company has identified me, and is choosing to use stall tactics to avoid my original complaint.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

SYNCB/ROOMS TO GO Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX I deposit a check to pay my bills I had enough money to pay my bills But Cadence Bank held the check and caused over drafts on to of my bills all together that cost me about XXXX XXXX dollars that I needed I went to the bank to request that I be refunded my money that has not happened. Cadence is bad about not refunding your money back I have had several incident where money was taken out of my account and cost overdrafts and Cadence never refund even for reversals that not your fault I complained about the ATM machine shorted me XXXX and the bank never refunded me that either Cadence Bank is very bad by not giving you your money back. I have a fixed income and they could care less.
Product: Mortgage

I was diagnosed with XXXX and that caused me to fail on my payments, i was at the hospital for several months, now my income increased i am trying to get resolved all my debts and applied for MOD with my lender but they denied because there is a sale date on the property, i have no other home to live, please help me to get my lender 's approval for a review on MOD.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name CAPITAL ONE Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent etters into the three credit companies XXXX, XXXX  and Experian. I requested to have the copies of the original documents or documents used to verify the information that has been placed in my file by XXXX account number XXXX and XXXX XXXX account number XXXX the companies have not given anything documentation as required by law under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have also made many attempt online and over the phone to get this information and have not been  successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report there are XXXX addresses that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On dates listed below XXXX, XXXX and XX/XX/XXXX I disputed charges on my bank account. The amounts were {$110.00}, {$250.00}, {$390.00}, XXXX, and {$32.00}. My bank denied all of my disputes stating they were valid which is a lie. I paid these consumers with other means so its like the consumer has my money twice. I dont have the documentation due to my Mother has XXXX and Im traveling back and forth to help her and so Im basically living out of a suitcase. I explained this over and over to my branch, and over the phone numerous times. I check my account and on XX/XX/XXXX I notice Im in the negative for the following amounts of provisional credit being reversed {$27.00}, XXXX, {$70.00}, {$150.00}, {$220.00}, {$300.00}, and {$450.00}. I get no notice in the mail of why these credits were reversed! Then I received letters in the mail stating that on XX/XX/XXXX my bank was going to reverse the provisional credits they gave me due to my claim being denied. But no explanation of the denial and also I kept getting miscommunication that the fraud department never received my disputes from the branch. Those amounts are as followed ; {$120.00}, {$60.00}, {$200.00}, {$55.00}, {$110.00}, and {$83.00}. This has caused my account to go severely in the negative. I deposited between the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX over {$900.00} back into my account to try to get the account back in the positive. This whole ordeal has caused me mental and emotional distress. And I believe that Im entitled to receiving back at least my {$900.00} that I deposited to try to put the account back in the positive. Pnc Bank has been the worst and the most unprofessional bank I have ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Checking or savings account

I used the mobile banking app to lock my debit card. When I went to unlock it it needed a security text sent to my mobile phone. The number I have listed is not in service. I changed my preference to get email alarrts. Was not allowed access after calling trying to verify myself. On there website it states u can buy a secure usb and verify that way if you dont have a phone. Spent XXXX XXXX to buy one and bank manager told me there is no way of verifying me using that. They should not have it as an option then.Went into the bank to tell the what was going on. They said they cant do anything. While my card was locked. I noticed a charge of XXXX XXXX from XXXX I did not authorize and card should have been locked. After speaking with bank yesterday they said they cant help me get access to my card and did nothing about the reported fraud on my account I was forced to close my account. Was out money I spent on XXXX XXXX XXXX XXXX  that was granted while my card was locked!
Product: Credit reporting 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2024 I submitted a complaint against LVNV FUNDING LLC [ Complaint id # XXXX ] and in that complaint I attached a dispute letter that gave them a refusal to pay/cease and desist notice. In that notice I specifically explained and quoted the FDCPA and its laws regarding cease and desist. I had requested that this company cease communication with me both directly and indirectly through all mediums as described in the FDCPA however LVNV FUNDING LLC is still communicating with me via credit reporting. Credit reporting is an indirect medium as they are contacting a third party agency ( consumer reporting agencies ) about this alleged debt. This is a direct violation of 15 U.S. Code 1692c ( c ), in other words section 805 of the FDCPA. This is my last warning to this agency before I proceed with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the west Account ending in XXXX is showing my Account as Overdrawn when it was not and damaging my credit report. I was always current with my Account and my Account was never overdrawn. Bank should correct this mistake right away as mentioned in the file attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was accessed without my permissible permission in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX. I have requested a signed and dated copy of the permission from both of these companies but they refuse.