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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Date OpenedXXXX Balance Owed : {$670.00} Charged off XXXX  XXXX XXXX Date OpenedXXXX Balance Owed : {$2700.00} Charged off XXXX XXXX Date OpenedXXXX Balance Owed : {$3400.00} Charged off XXXX XXXX Date OpenedXXXX Balance Owed : {$10000.00} Charged off XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened:XX/XX/XXXX Balance Owed : {$4500.00} Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I do not have specific dates but I have time frames. Several times in XXXX, XX/XX/XXXX and XX/XX/XXXX, I have contacted XXXX  credit bureau to dispute the inaccuracy of ShellPoint mortgage displaying on my credit report as open with a balance. I have also contacted the mortgage company and they informed me that they sent updates to the credit bureaus back in XX/XX/XXXX which is when the mortgage was satisfied. I also sent mortgage satisfaction documents to the credit bureau and they are refusing to update the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute all not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware that there was an XXXX XXXX XXXX placed by USAA. I started the process on XXXX XXXX by contacting them to begin disputing this alert and the reason for it 's existence. 
I finally spoke to a supervisor XXXX XXXX XXXX on XXXX XXXX XXXX explained the problem and requested my need for help and the information to resolve this matter. 
On XXXX XXXX XXXX, I received a call from a young man named XXXX. He explained that there were accounts opened and fraud was perpetuated with a checking and saving opened with my identity. The amount was approximately {$5100.00}. We had a very in depth conversation regarding the matter. I told him it was not me. They may have felt by their guidelines that secure procedures were followed. I told him that true due diligence on their half to protect their interests and mine were not sufficiently followed. This requiring a direct phone of verification that I was the actual applicant involving these high risk amounts for an online process. 
He agreed with my adamant position on the matter and went so far as to admit that I was not the perpetrator of the fraud. He repeatedly apologized and offered no final resolution.
Product: Debt collection

I XXXX XXXX XXXX is a victim of identity theft I contacted National credit systems on XXXX to notify them that I was a victim of identity theft & fraud and they stated I need to send in a police report and theft affidavit which I did the same day XXXX I sent a certified letter XXXX demanding them to remove the said fraudulent accounts from their records and report to the credit report agencies that the said account was fraudulent and need to be removed XXXX XXXX that was handling my account which is the employee of National credit systems stated to me she did indeed receive it and assured me she will get it took care of give me 30 days to investigate I have sent over 70 emails because nothing was done here we are XX/XX/2022 my credit report is still showing negative and the fraudulent account is still there so now Im taking legal action to suit national credit systems for reporting fraudulent inaccurate information the suit will be in affect XX/XX/2022 which they are in violation according to FTC AND THE FAIR CREDIT REPORTING ACT SECTION 605 B
Product: Checking or savings account

Citibank locked my account over XXXX  days without emailing or calling me. Due to which I incurred loss of over {$1900.00}, since the withdrawal failed even though I had the money in the account. Due to which realized loss was over XXXX or more. 

However, I reached out to bank several times and they said its under review and we can not give you any info and she read some document verbiage saying the same XXXX  and hung up on me without me saying a word or anything so unprofessional. You can verify this on there phone recording. Cant believe it how they are even in business. I am not even sure how is this legal to hold your money and hung up on you. Call was transferred to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX NO Name Provided ACCOUNT NUMBER : XXXX
Product: Credit card

I noticed an unauthorized inquiry in my credit report from JPMCB CARD SERVICES. According to the FCRA, these unverified and unauthorized items must be removed immediately.
Product: Debt collection

Receivables Performance Mgmt. LLC is in violation of these ordinances enacted this year.

I have attached a copy of the record they sent me without a California license or a date of the last payment made. I have also attached a copy of a letter I sent requesting this info of which I have yet to receive.

Sec. 1 Section 1788.11 ( f ) Sending written or digital communication to the person that does not display the California license number of the collector in at least 12-point type.

SEC. 2. Section 1788.52 of the Civil Code is amended to read : 1788.52. ( a ) A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer possesses the following information : ( 3 ) The date of default or the date of the last payment.

( 7 ) The California license number of the debt buyer.

( c ) A debt buyer shall provide the information or documents identified in subdivisions ( a ) and ( b ) to the debtor without charge within 15 calendar days of receipt of a debtors written request for information regarding the debt or proof of the debt.

If the debt buyer can not provide the information or documents within 15 calendar days, the debt buyer shall cease all collection of the debt until the debt buyer provides the debtor the information or documents described in subdivisions ( a ) and ( b ).

This information was copied from : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I initiated an international wire transfer with Navy Federal Credit Union on XX/XX/2019. To this day, the recipient has not received the funds. The last notification I received was via email stating my transfer was successfully sent to the Federal Reserve. 

I called Navy Federal Credit Union and they say they cant help me, but only try to get ahold the Federal Reserve, which I am sure they did not. They told me this is out of their hands and that if I get no response from them, that means my funds are lost. 

First of all, what kind of bank says this to their customer??? 

Second, I was charged a high exchange rate and paid {$25.00} for this transaction so they are fully obligated to cough up the money if this gets lost, since I did everything on my part correctly. 

The three American entities involved are Navy Federal Credit Union, the Federal Reserve, and XXXX XXXX ( which is the bank that Navy Federal uses for currency exchange ). 

This will turn into a lawsuit against all three companies if this is not fixed, very soon. I need to know where the wire is, if thats not possible, for some reason, even with the secure technology the banks use, one institution will need to cough up the money and place it back in my account WITH NO FEES OR DEDUCTIONS. 

This payment was made to pay my rent, but of course, the banks mess it up and they dont even care. This is why I am asking you, the government, to step in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Date opened : XX/XX/2019 Balance : {$0.00}.
Product: Debt collection

I disputed this with LVNV before. NOW they turned it over to this XXXX, XXXX company. I sent XXXX a certified letter return receipt stating this is not mine, and to provide the Original Purchase agreement with my valid signature, and a validation that I owed XXXX, XXXX any money. I refused to pay this, and added a cease and desist clause in the letter. They have violated my rights by law according to 15 US Code 1692g.

I demand that they remove this false report from all the credit bureaus, including all secondary bureaus! XXXX XXXX has it loud and clear on their report. They must remove this info by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person came on the line and would not listen to what I was saying. I kept saying I disputed two collection accounts with them back in XXXX of 2019 but they showed back up on my credit bureau. I explained that XXXX and XXXX XXXX and XXXX  refuse to remove these items even though I have disputed and requested written validation that I owe these companies. These Companies state I owe a cancellation fee and this is not true. I cancelled my service within the 3 days that are allowed without being charged a cancellation fee. These companies refuse to provide proof BECAUSE THERE IS NO PROOF BECAUSE I CANCELED WITHIN THREE DAYS.
Product: Checking or savings account

I tried to ask Wells Fargo if they could please help me investigate a scam issue that occurred to my account, but they refused to help with any issue as I 'm not a customer. I am a customer with XXXX XXXX XXXX that refuses to help me as well as I think it is the bank 's responsibility to help me recover the lost funds in my account and track down the scammers of the bad check. I should n't be held accountable for XXXX XXXX XXXX processing the bad check and allowing me to withdrawal the large amount from the processed check and depositing it into a Wells Fargo account as I was instructed to. Neither banks are trying to help me recover the funds nor catch the scammers. The local authorities are n't able to do much if the bank does n't cooperate. I believe it should be the bank 's responsibility to catch a bad check in a timely manner and help their customers in every way possible to prevent this from happening to other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Lexis/Nexis, XXXX XXXX XXXX XXXX, WI XXXX  has a renewal Notification dated XX/XX/XXXX report that shows my homeowner insurance policy with XXXX, # XXXX XXXX, policy from XX/XX/XXXX to XX/XX/XXXX, at XXXX XXXX XXXX XXXX NV XXXX  WITHOUT earthquake insurance with a premium amount of {$800.00}. XXXX ( XXXX ) has this same total WITH earthquake insurance which I pay for in this total. Despite many written requests Lexis/Nexis has not replied to me or corrected this error. Help!!!
XXXX XXXX XXXX XXXX ps ... the actual postcard from Lexis/Nexis was addressed to XXXX XXXX XXXX  at the address above.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with Experian shows factors at the bottom of the report that are negatively affecting my credit score. They include a " serious delinquency '' and " short account history. '' However, I have never been late on any payment and do not have any delinquent accounts. Additionally, my oldest account is XXXX XXXX XXXX and they show that my oldest account is only XXXX XXXX XXXX. I have tried several times starting before XXXX of XXXX to resolve this with the company. Regarding the serious delinquency, there is no account to dispute online because I do not have any delinquent accounts. The dispute department when I call says to just ignore the summary at the bottom because my credit report is otherwise good. However, I got denied credit when my credit report was pulled through Experian because of a serious delinquency and the length of my account history. Their solution so far has been to tell me to ignore that part of the credit report, but it is affecting my ability to apply for a loan. It is very difficult to get ahold of anyone and when I do, they transfer me back and forth between departments instead of taking any action. My Experian credit score is currently XXXX points lower than the other two credit reporting agencies, so their data is affecting my credit score and they have not provided a solution to fix it. They will not let me speak to a manager and the last time I talked to someone they said that my credit report is good and they can't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPTEDXXXX XXXX Balance XXXX {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Equifax Credit Reporting Violations Under 15 U.S. Code 1681 Dear CFPB Representative, I am submitting this formal dispute regarding Equifaxs inaccurate and improper reporting on my credit file, which violates 15 U.S. Code 1681 under the Fair Credit Reporting Act ( FCRA ). These errors are negatively impacting my credit standing and need immediate correction. 

The following accounts are inaccurately reported : 1. XXXX XXXX BXXXX Reported as negative, despite having a zero balance. 


2. XXXX XXXX  Incorrectly listed as negative with a zero balance. 


3. XXXX XXXX Reported as a charge-off with a balance of {$880.00}, which is incorrect. 


4. La Curacao Listed negatively even though the balance is XXXX. 


5. XXXX XXXX XXXX XXXX Incorrectly reported as a charge-off for {$14000.00}. 


6. XXXX XXXX XXXX XXXX ( Second Account ) Reported inaccurately with a balance of {$2700.00}. 


7. XXXX Multiple closed accounts still listed, including one with a {$1300.00} balance. 



Equifaxs Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i requires Equifax to properly reinvestigate disputed information.

15 U.S. Code 1681e ( b ) mandates that credit reporting agencies maintain accurate and verifiable consumer data.

These inaccuracies have negatively impacted my credit score and financial opportunities.

Requested Action I formally request that the CFPB : Investigate Equifaxs failure to accurately report these accounts.

Ensure Equifax provides verifiable proof of the accuracy of these reports or removes them immediately. 

Hold Equifax accountable for compliance with FCRA regulations. 


I expect a written response from the CFPB and Equifax detailing the findings of the investigation and any corrective actions taken. If Equifax fails to comply, I am prepared to escalate this matter further, including seeking legal action. 

Please confirm receipt of this dispute and provide guidance on the next steps for resolution. Thank you for your prompt attention to this matter. 

Thank you
Product: Mortgage

I sold my single family home XX/XX/2019 at which time my mortgage with Bank of America was paid off per the payoff statement received by the title closing company. Bank of America has failed to refund my escrow account balance of {$2100.00}. As of this complaint date it has been over 2 months since the closing, well beyond the CFPB required rules to refund within 20 days of the loan payoff. 

I have contacted Bank of America numerous times :  XX/XX/2019 -- I receive my promissory note stamped Paid In Full from Bank of America, sent to my old home address that I sold. No escrow check included. 

XX/XX/ 2019 -- I called Bank of America and they tell me a check was mailed to the old address of the home I sold. Check never received. 

XX/XX/2019 -- called again and requested Bank of America to reissue check to new current address. 

XX/XX/2019 -- I received an escrow account activity report Dated XX/XX/ 2019 at my new address from Bank of America showing they owed me {$2100.00} and that the escrow was paid out XX/XX/2019. No check included with the report. 

XX/XX/ 2019 -- called Bank of America again. Was told that they had no request to issue a refund check of the escrow. I again requested a check be sent to me. 

XX/XX/2019 -- called Bank of America again. Was told that the check has not been issued and I need to wait another 10-15 business days.
Product: Credit reporting or other personal consumer reports

I have about 13 or 14 hard inquiries on my credit report that i didnt not give authorization. All inquiry dates shown below i have not given authorization. 
XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

1 ) My Ashely account credit card was closed with excuses but have a {$3000.00} line mean another card is behind on the game... 
someone is using my information with double intention, when they closed an account and let the line behind that mean is another card. My phone is hack too.
Product: Money transfer, virtual currency, or money service

My banking institution USAA refuses to refund {$500.00} to my checking account due to XXXX scan that I immediately cancelled and disputed same day. USAA has refused to refund funds due to XXXX agreement that says do not send money to people you may not know. USAA refuses to provide documentation after receiving proof of SCAM email sent by XXXX. Multiple documents of proof of the scam was provided to USAA. After multiple attempts to escalate USAA refused to escalate the situation due to XXXX agreement.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a letter about a debt that Mandarich law group LLP was attempting to collect for XXXX XXXX XXXX which claimed that the original company was web pay in XX/XX/2021. I ignored since I had no idea who any of those companies were. And to be honest it looked like junk Mail. After some time my employer notified me of a garnishment on my check. That was the first time I was informed of this garnishment. I was confused and shocked that this company was able to do that without my knowledge. I have been getting my wages garnished for over a year. This garnishment has taken a toll on my finances as I am a father XXXX XXXX Im barely making ends meet. I didnt know how to get this fixed or removed. I was told that in order for a company to garnish your wages you must be served documents and then go to court. That was not the case. They also have my address with missing information. That is how I know that they illegally garnished my wages without notifying me. Also they have over charged me. On the original letter sent to me it stated that the amount owed was {$5100.00}. To date they have garnished over {$8300.00} from my wages. + over {$100.00} in garnishment fees. Also on the letters they now sent me it states that they are currently in the process of getting their license to be a debt collector. Please help me get the company to return my money that was wrongfully garnished from me. Thank you.