23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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: Credit reporting, credit repair services, or other personal consumer reports

I had reached XXXX XXXXXXXX XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX account number XXXX have no idea where this account come from please delete this account immediately. I all so have some inquiries on my credit report that was unauthorized my me XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section 605b ( a ) XXXX, XXXX, and TransUnion 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, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; 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. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXXXXXX Date opened XX/XX/2020 Balance {$1300.00}, and XXXX XXXX XXXXXXXX XXXX opened XX/XX/2020 Balance {$7900.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was notified by XXXX XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX  XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from Equifax. Since these are hard pulls, they negatively impact my credit score. As requested by Equifax, in XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, Equifax has not corrected this hard credit pull. 

In late XXXX, I filed yet another complaint with Equifax via the CFPB portal to get this resolved, also attaching the requested correspondence from XXXX XXXX, but Equifax conducted no investigation and closed this complaint out. This is still listed as a hard inquiry on my Equifax credit report, which negatively impacts my overall score. Additionally, it is completely fraudulent, so it needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also your bureau 's indifferent approach to managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the seriousness of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. I have received minimal communication regarding the status of my disputes, and the responses have been generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, please take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Transunion doesnt have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 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. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

XXXX came up on my inquiry 's did not apply for credit through this company or any other company
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person, rights violated due to no written authorization. PRIVACY ACT OF 1974, VIOLATION OR PRIVACYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My account was just purchased by another lender. I had documented on my previous account all my payments and payoffs but now none of that is available online. The account originally is through XXXX and recently just transferred to XXXX. There is no payment history and my payoff seems a lot higher than it was originally about a year ago. I am very displeased with my payoff, even my father was trying to sell some property to help with this debt and was in shock when he heard my payoff, mentioning it was a lot higher than it should be the last time he has asked when he was selling some assets, which we couldn't attempt due to my vehicle kept having issues and some other hardship at the time. I was making payments timely after school, but I had a difficult time initially after school with finding a job that was not just one to subdue at a lower paying income in order to pay bills raising 3 children without child support while I searched and supported them. I did get married for a few years but he never was at a higher income reporting that could get everything back to normal as he was not contributing as he should and his business income suffered regularly from what he reported. I also have to pay for 4 children now single without child support, working as a state government employee and was interested in loan forgiveness and seeing what new options I have, and I am soon about to change careers along with considering re-entering into school for masters degree, but I am now figuring out I may just be growing a large monster bill- and will it be worth it to struggle afterwards as well as I remain in the percentile considered " middle income '' which in reality for me is poverty level since I would be paying my student loans with high payments, all my bills for mortgage, utilities, child care, and have little to eat on from a current {$43000.00} income at the State of TN XXXX pay scale Administrative Manager position, then going to masters degree raising it to.. what $ 10,000- {$20000.00}? Obviously I would have to leave the Government position to find alternatives to survive it seems. I am really interested in finding out what I am capable of doing about my missing payment history and what on earth can i do moving forward with an advisor financially seeing that I have concerns with the current lenders who swapped hands with my account. I understand that XXXX XXXX also isnt to better yourself for post graduate degrees? WHY? What on earth .... is this a plan someone to keep poor people poor or is this also incorrect information? Thanks
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT has reported me as owing them {$310.00}. This is not my account. I have asked for proof and have not been provided.
Product: Credit reporting or other personal consumer reports

My account with those crediotrs 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 those account 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.

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
Product: Debt collection

Received a call from XXXX XXXX with Convergent Outsourcing who stated that she was calling to collect a final amount related to my XXXX bill that service had ended on. 
I told her that I didn't understand because I have current service. 

She verified the service address. 

Again I told her I didnt understand. She gave me an amount of {$680.00} that was due, and an account number # XXXX, and told me to call to speak to a live agent at XXXX to resolve the issue. 
She also provided a call back number of XXXX. 

I called XXXX who confirmed that I do not have an outstanding balance. This was an old account number I had at XXXX and the XXXX  rep at XXXX again confirmed that there is no outstanding balance on that account number.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered fraudulent hard inquiry, XXXX XXXX XX/XX/year>, please delete it from my credit report.
Product: Debt collection

Double charging their customers, mental and physical abusing their customers. This is unethical to be treated like this. I have tried to explain my situation over and over again, and they do not care. Please help.
Product: Checking or savings account

Subject : Formal Complaint Against Wells Fargo for Unlawful Account Hold and Access Denial and Refusal to Close Account Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding the unwarranted hold placed on my account and the denial of access to my online banking services, and Refusal to Close my Account after several request. As a military veteran currently stationed in Ohio, I find myself in a distressing situation with no access to my funds and no viable means of resolving this issue due to the absence of Wells Fargo branches in the state of Ohio. Wells Fargo has placed a hold on my account, preventing me from making withdrawals and debits, while also denying me access to my online banking services. Despite my repeated attempts to resolve this matter over the phone, I have been met with refusal to verify my identity and provide me with the necessary access to my account. As a member of the military stationed in Ohio, I am unable to visit a Wells Fargo branch in person, as there are no branches of the bank located within the state. This has effectively rendered me incapable of resolving the issue through conventional means. 

Wells Fargo 's actions not only violate basic principles of customer service but also potentially infringe upon several banking laws, including but not limited to : 1. **Uniformed Services Employment and Reemployment Rights Act ( USERRA ) ** : Wells Fargo 's refusal to accommodate my military status and provide alternative means of verifying my identity and granting access to my account may constitute a violation of my rights under USERRA . 

2. **Electronic Fund Transfer Act ( EFTA ) ** : By denying me access to my online banking services without a reasonable alternative, Wells Fargo may be in violation of EFTA , which guarantees consumers the right to access their electronic funds. 

3. **Fair Credit Reporting Act ( FCRA ) ** : Wells Fargo 's failure to properly handle my account and provide adequate customer support may constitute a violation of FCRA, which requires financial institutions to maintain accurate and up-to-date customer information. 

I urge the Consumer Financial Protection Bureau to intervene in this matter promptly and ensure that Wells Fargo provides me with immediate access to my funds and online banking services. Additionally, I request that appropriate actions be taken to hold Wells Fargo accountable for their disregard of banking regulations and their failure to provide adequate customer support, especially to military personnel. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this urgent issue. 

Sincerely, XXXX XXXX
Product: Mortgage

Original mortgage sold ( XXXX ) to PNC Bank in XX/XX/2019. Received letter mid XXXX informing us of the sale. Contacted Both banks to confirm. Asked PNC if auto payment would transfer, they said yes. A week later we received a payment book in mail. I called PNC again to verify everything transferred, this rep said auto payments dont transfer. Asked what we needed to do so our payment would be on time. Rep said we would have to pick either the XXXX or the XXXX to have our payment automatically transferred. I said that our original loan was for the XXXX. She said that that was their policy. I asked her twice if I completed the paperwork if it would be in effect before our next payment became due, she told me it would. I checked our regular bank today and the payment had not been taken out. Called PNC again too see why, rep said that it would not take effect until XX/XX/XXXX and they sent letter yesterday. I told her I had completed all paperwork they requested by the deadline they said they needed it. Now our payment is late. This has been more frustrating than the initial purchase and closing of the original loan. Not only did PNC change due date, they changed the amount due from the original loan. Im not a lawyer but there should be laws to protect consumers against this practice.
Product: Credit card or prepaid card

Dear CFPB XXXX RE : Citi Bank NA, Credit Card ending in XXXX We have a dispute we withdrew and closed on XX/XX/2023, and the Merchant issued a refund for {$3600.00} that posted on XX/XX/2023 CITI we requested our refund to be transferred to our checking account. The Citi Staff has lied to us and told us different versions of excuses. Last was XXXX, in the Citi XXXXispute Team tel XXXX who said it was suppose to be transferred to our checking account in 2 to 3 days and the 2 to 3 days have come and gone and every time we call its a different lie. This morning I was transferred to an insurance department that has nothing to do with my money being held against my authorization by Citi Bank NA and the Staff is not being helpful to resolve the issue of returning my money. 
Thank you for your help in getting this complaint on file and helping us get our money back.
Product: Debt collection

Hello, this is the following complaint of XXXX ( complaint ID ) which is Discover Card. There is no progress at all and I do not know how to update the complaint so I am making the new Complain. 

They told me that I made a purchase/payment in XX/XX/2020. However, I have been explaining this to Discover and also to XXXX multiple times that it is impossible to make because I closed the credit card in XX/XX/2020. Also, they guided me through everything so I just followed that how I got the account closed confirmation email. ( I attached closed confirmation email for the last complaint ) However, they were keep insisted on me that I made that transaction in XX/XX/2020. Therefore, I asked them the transaction detail ( not just the balance but the transaction detail ) about it before paying. I explained to them multiple times that it is unfair to say that I just need to make this payment without even knowing what happened because I was not even in the U.S and closed the account. ( I can provide the flight history as well ). XXXX  agent told me that they will send the transaction details by mail and also email as well. Sadly, I have been lied again and again by the corporate. 

I have been doing this for three months now and when I got a call from XXXX  yesterday, they did not even have an updated address when I provided multiple times from XXXX through XXXX. Also, I just talked to the Manager at XXXX  and they were saying the same thing that they want me to just pay the amount without even showing me the transaction details. 

I think this is an obvious scam especially when I actively engaged and even call back to XXXX. Also, they said they will provide me the information but now they change the words and they just want me to pay without giving me the information. I told them multiple times that I want the transaction details, not just the balance. Even worse, I have been doing this for three months now and I can not even describe how frustrated I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block an items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from my files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}
Product: Checking or savings account

I went to the bank XXXX XXXX  around XXXX to withdraw XXXX and the bank teller i will provide his name but he stole XXXX dollars of it and only gave me XXXX and he admitted that then he told me to come back wen the manager is their 2 weeks later so that the cameras roll enough to where he can't be caught
Product: Credit reporting or other personal consumer reports

My TransUnion credit report file wont update. Have attempted online to request a new one hasnt worked for over two months.