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

I locked myself out of my online banking portal for my Axos Bank business account. 

I have 4 checking accounts under this login and I have called into the call center to get my account unlocked. 

During the unlock process I'm being asked a series of questions by call center reps that are incredibly invasive and all personally identifiable data. 

This is more than enough information to steal my identity. What protections do I have that this person isn't going to try to go open accounts in my name with this information? 

Also, once I provided these details I was denied access to my account. 

I had to send an unencrypted email with a photo I've been asked, all over the phone by a call center employee : My full name My account password My debit card number My birthday My mother 's maiden name My social security number My primary email address Multiple choice questions for the following : Which street have you lived on How long have you been associated with this address What city is Willow St in What color is your Honda Civic In which county have you lived What state I lived in in 1987 Which of the following people do you know
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPLE AND NOTICE TO PRINCIPLE IS NOTICE TO AGENT. NOTICE OF REJECTION, REVOCATION AND TERMINATION OF ALL SECURITY INTEREST. This letter shall be considered lawful notice that I hereby REJECT, REVOKE and TERMINATE of all security interest to you. I am now doing the recession of the security interest that I gave you. I am doing a recession of you being able to keep my proceeds from the security. I am taking back the security interest that I gave you in this contract and the proceeds that you are receiving off of my contract. This correspondence is to request all certified copies and/or copies of all bonds, securities, assets, and contracts being used to leverage or involved in the beforementioned ( loans/mortgage/promissory ) numbers. Please be timely with your response to the Regulation Z and Federal-Truth-In-Lending Act guidelines. LOANCARE , LLC on behalf of XXXX XXXX XXXX XXXX XXXX multiple violations of Federal Debt Collection Practices Act ( FDC PA ), violations of UCC 3-501, Violation of Privacy and Gramm-Leach-Bliley Act, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, Slandering, Libel, Securities and Exchange Commission ( SEC ) and General Accepted Accounting Principles ( GAAP ) fraud. negligent and willful noncompliance with the law. UCC 3-501 also requires servicer to show authority to make demand for payments, if it does not own the note, but is merely servicing it. In the event a note holder or servicer or will not exhibit the note or perform other legal requirements when requested to do so by the borrower, this UCC section allows the borrower to discontinue payments WITHOUT DISHONOR until such time as the note holder or servicer complies with all laws or contract provisions. This letter shall be considered lawful notice that LOANCARE , LLC on behalf of XXXX XXXX. All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust, MERS and Agency relationships are terminated. I hereby invoke all of the protection guaranteed to me under all Titles, Codes, Statutes and/or laws, the Florida Constitution and the Constitution for these United States XXXX LOANCARE , LLC on behalf of XXXX XXXX XXXX XXXX XXXX willful noncompliance with the law, Civil liability. Criminal liability for willful and knowing violation.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Debt collection

BARCLAYS BANK DELAWARE The first time I've ever heard of Barclays Bank when they sent me a billing statement with a balance for around {$1400.00}. I called them soon after and told them that this is not opened and was fraudulently opened and I had no knowledge of the company or the account. Then they still put it on my credit report as a charge off. I don't know how to prove that I didn't open an account with them, every account that I have opened are always paid on time and never late.
Product: Credit reporting or other personal consumer reports

The company is reporting INACCURATE, INCOMPLETE, AND UNVERIFIABLE information on my credit report. BANKRUPTCY SHOULDNT BE ON CREDIT/CONSUMER REPORT, THE COURTS DO NOT REPORT THIS TYPE OF ACCOUNT, IT VIOLAES MY RIGHT TO PRIVACY ; AND THIS ALSO VIOLATES PERMISSIBLE PURPOSES OF CONSUMER REPORT, I NEVER GAVE THE REPORTING AGENCY OR ANY THIRD PARTY WRITTEN CONSENT TO REPORT THIS ON MY CONSUMER REPORT! ACCORDING TO THE IRS, CHARGE-OFFS ( WRITE OFF TO PROFIT/LOSS ) ARE CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON A CONSUMER REPORT. 
I submitted a dispute via mail addressing the issues that I felt were inaccurate, incomplete and unverifiable I have not received a response.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX - XXXX - {$19000.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Product: Credit card or prepaid card

I had a credit card through 5/3 bank and fell behind when I lost my job. The bank since then has constantly harassed me by calling at times when I have asked them no to call because of the time zone difference. Still the bank calls me on their Eastern time while I live in a pacific time zone. Further the bank got my bank account number from a payment that I made to them and randomly started withdrwling over {$600.00} each month that I would have to notify my bank that I did n't authorize and then pay the bank a stop payment fee of {$30.00} each time. This has been going on since XXXX of last year and regardless of me telling them to stop this they will not and continue to overdraw my account with each of these {$600.00} debits. Today they did it again overdrawing my account by over {$400.00}. I do n't know where else to turn since I have asked 5/3 to stop this to no avail.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.
Product: Consumer Loan

On XX/XX/XXXX2015 went to the branch in XXXX Ohio to Fifth Third Bank on XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I made a withdrawal of {$990.00} {$790.00} was the cash amount that I was to get back. And {$200.00} was to be deiposited into my sons account. Later that evening I got a phone call from a cell phone number of XXXX never said who he was or anything. Just said his draw was short and asked if I had the correct amount of cash back? I said yes it was and that I always check. I think that this is harassment on his part. What gives him the right to call me after hour on his cell phone and ask questions?
Product: Credit reporting or other personal consumer reports

My credit lender are experiencing difficulty in accessing my credit information through service this has not only caused delays, but also has the potential to negatively impact my financial plans and credit standing they said it identified theft on my report i keep getting denied due to this on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone in a position of authority, I am making a formal complaint because Cornerstone Credit Services has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX  ; I made a formal complaint with XXXX, Cornerstone Credit Services, and XXXX and they all failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Product: Credit card

In XXXX XXXX, I had a XXXX XXXX. Subsequently, in XXXX XXXX my business failed. I had a large number of credit cards. and all worked-out five year repayment arrangements except my Discover business credit card, on which I subsequently defaulted. I was told that Discover would not work out repayment until it became a " charge-off. '' I am writing to DISPUTE the manner in which XXXX, XXXX and XXXX are reporting the " Charge-Off '' by Discover Card. I have been making payments of {$200.00} per month since XXXX XXXX -- - nearly THREE YEARS. Yet it appears that it is being reported and scored basically the same as if I was making no payments at all during this time period. There is something inherently unfair in the manner in which XXXX, XXXX and XXXX are reporting, and scoring, this debt. The failure by the credit reporting agencies to report my monthly payments, and adjust my credit score to reflect my good faith efforts to repay this debt, is a VIOLATION OF THE FAIR CREDIT REPORTING ACT, as the information which these agencies do choose to utilize is both inaccurate and incomplete under the meaning of FCRA. 

I am being substantially harmed by this greatly inflated negative information on my credit report. In Florida, where I live, credit scores are used by condo associations to EXCLUDE buyers from purchasing condos. I can not find an affordable place to live because of this negative information and its effect on my credit scores. 

I do understand why Discover chooses to report in this manner, as it provides them leverage to attempt to accelerate repayment arrangements. I know this because Discover has contacted me repeatedly to pay more so my credit report will improve. But my making monthly payments for almost three years is not equivalent to a " charge-off '' where the creditor has given-up the expectation of any repayment. And, therefore, XXXX XXXX and XXXX reporting is both inaccurate and incomplete. The {$200.00} monthly payments to Discover Card per my written agreement with Discover Card should be reported the same as monthly payments for any other credit card. Once I began monthly payments, this debt to Discover Card was no longer " charged-off. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report for XXXX that was resolved in 2019 and I have asked XXXX to remove it and it was not removed. I sent a complaint to XXXX, XXXX and Equifax to have it removed and all they keeping saying is the debt is being reported correctly, it is not. This debt was resolved and Cancelled by XXXX and needs to be Removed from my credit report. Attached is the cancellation of debt from XXXX showing this debt was cancelled.
Product: Credit reporting or other personal consumer reports

Under FCRA Section 606 ( b ), it is illegal to include information on my credit report without my explicit permission. Additionally, according to 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written consent. These provisions are in place to protect consumers from unauthorized and fraudulent activity, ensuring our right to privacy as stated in 15 U.S. Code 1681 ( a ).

The following entries on my credit report were made without my authorization and appear to be fraudulent 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 XXXXXXXX XXXX XXXX XXXX I did not authorize any of these accounts or transactions. As such, these entries constitute a violation of my rights under the FCRA. I request that you immediately investigate these fraudulent activities and remove the unauthorized entries from my credit report. 

Please provide me with written confirmation of the removal of these items as soon as possible. If you require any additional information to investigate my claim, please contact me at the address or phone number listed above. 


Note i do not want to activate any theft protection at the moment with any of this companies Equifax, XXXX or XXXX DO NOT, I dont see transactions or any accounts actually open except for unauthorized unknown inquiries.
Product: Debt collection

This debt was paid with the company over 7 years ago. This company is threatening to seek action with the county attorney. Stating legal action will be taken immediately.
Product: Credit reporting or other personal consumer reports

Below attached is my common law Copyright notice and lien for the straw affidavit received from the XXXX XXXX XXXX XXXX that I previously published in the legal section. My Certificate of Authority from the XXXX XXXX Department of State, My Copyright number, and affidavit. Both Parties are wilfully in violation of my Private American National, and Constitutional Rights. My Rights to privacy are first, I never consented, contracted, or agreed written or orally with either party, yet they continue to violate my rights and neglect the laws.
Product: Checking or savings account

My bank account has been compromised three times by fraudulent XXXX charges. I have had to get a new debit card three times due to the charges. 
XXXX had my Wells Fargo debit card as a form of payment until XX/XX/XXXX. I changed to an XXXX XXXX as my form of payment because I thought it would be a better option. 
On XX/XX/XXXX I got a fraudulent charge of {$13.00} on my Wells Fargo debit card. The bank entry was as follows : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX   XXXX I reported this immediately and was told I had to get a new debit card. I was credited the {$13.00} on XX/XX/XXXX. 
On XX/XX/XXXX I got another fraudulent charge of {$12.00} from XXXX on my Wells Fargo debit card. The bank entry was as follows : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX   Once again I called Wells Fargo and was told I had to get a new debit card. 
On XX/XX/XXXX I got a third fraudulent charge of {$14.00} from XXXX on my Wells Fargo debit card. The bank entry was as follows : PURCHASE XXXX   XXXX I called Wells Fargo on XXXX and was told I had to get another card. 

After being fed up with this recurring problem I spent all day on the phone with various parties : 1 ) Wells Fargo - spoke to 3 different people escalating the issue to supervisors. Was told that I needed to contact the merchant and have them opt me out of their Visa Account Updater. 
2 ) XXXX - called XXXX and they had to XXXX what Visa Account Updater was. Gave me VISA 's number and told me it was their responsibility to opt me out as XXXX had no power to opt me out. 
3 ) VISA - called Visa and was told that is was Wells Fargo 's responsibility and they were the only ones who had the authority to control my Visa Account Updater.

4 ) was transferred from VISA back to Wells Fargo and had to start over again at the entry level caller and had to escalate to another supervisor. This supervisor told me that the  merchant XXXX was the one responsible. She even told me that she had the same experience and that XXXX holds on to all credit cards even after they are deactivated and they have the control over the Visa Account Updater and opting out. 
5 ) XXXX - called XXXX back and had to escalate my complaint to a supervisor level. Was told that she had the same problem with Wells Fargo and had to get a new Wells Fargo account because once you have a debit card attached to an account the credit card gets followed around by a merchant such as XXXX.
Product: Credit reporting or other personal consumer reports

I'm currently reviewing my credit report and notice a cXXXXllection from XXXX reporting on my Equifax report. This account is involved in a legal dispute now and I am demanding Equifax remove it, as the other bureaus have. This creditor has NOT provided the required documentation to prove it's validity and there is an open arbitration case and I am sure Equifax does not have said proof either. The FCRA ensures my rights in any consumer dispute.
Product: Checking or savings account

I have already submitted a complain # XXXX-XXXX addition document receive from bank showing I had money in the account when receiving a overdraft fee