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

FRAUDULENT ACCOUNT CAPITAL ONE BANK USE ACCT # : XXXX OPENED : XX/XX/year> BAL : XXXX I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I got a notification with '' changes in your credit score '' and I checked my credit score. It was dropped by XXXX points and I notice a new credit card was added into my account. I was shocked by the incident. Then I escalate the issue to TransUnion and told them " Someone has applied for a credit card on my name ''. 

Based on the information they provided to me. I reached out to the bank and reported the fraud.
Product: Checking or savings account

I opened an account online with Bank of America on XX/XX/XXXX. I opened both a checking and a savings. I was approved, and from there I was granted access to online banking, where I created my user id and password. I deposited money from my current bank account ( with a credit union ) -doing two separate transactions- to my new checking AND savings accounts with Bank of America XXXX My debit card arrived on Saturday XX/XX/XXXX. I called to activate it and it kept telling me that the card info could not be found in their system. I tried to log on to my banking, and it kept saying " user id/login invalid. '' Finally today, XX/XX/XXXX, I was able to reach a live rep. I spoke with many different people. I kept getting transferred and put on hold and hung up on. They told me that my account was closed on XX/XX/XXXX, which is the day I opened it. They said that it was flagged for potential fraud but they would not give me any details. The last woman I spoke with ended up telling me that I was the reason it was flagged for fraud, that my identity could not be verified. Despite them taking my money from my other bank account ( in TWO transactions ). They also kept telling me that I only made one deposit for XXXX dollars. This is false. I made two separate deposits. I kept telling them that I have the transaction numbers from my bank to verify this. They then told me that I would need to reapply for an account and I would need to do it in person. The problem with this is that the branch by my house has absolutely nobody working there. they are a fully operational bank set up with no staff. They only have the ATM machine and drive thru open. In order for me to speak with someone face to face I have to schedule an appointment and the nearest staffed branch is not near where I live. After over two hours on the phone they finally told me that two separate cashiers checks are being mailed to me and I should see them within 7-10 days. I asked them for the reference/check numbers for these and they told me they could not provide me with any of that info.
Product: Credit card

I am requesting a review of the attached documents. I would like the bureau to initiate an investigation into the accounts that incorrectly label me as late, despite my consistent on-time payments.
Product: Credit reporting or other personal consumer reports

This complaint involves several issues with my credit report. 

First, the information on my report showed an account as being in collections, which it never was. When I requested a correction, instead of correcting the error, the credit bureau deleted the account entirely. Then, a week later, they re-added the account to my report and reset the dates, making it appear as if the collection status was recent. 

To address this issue, I sent a signed notarized affidavit and a police report indicating that the information was incorrect and that the account was never in collections. Despite providing this documentation, the credit bureau has failed to resolve the issue and continues to inaccurately report the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulling up old addresses where I dont live sending letters and unwanted phone calls
Product: Credit reporting or other personal consumer reports

This company is reporting an account that is charged off on my credit report but they have not sent me a 1099C. According to federal law they were to furnish a 1099C once they charged off the account but I have not received a 1099C. If I dont receive a 1099C within 15 days, I will be filing a 3949A with the IRS as this is considered tax fraud since I have not received a 1099C.

I demand that Navy Federal Credit Union furnish a 1099C and send a copy of the form to me OR remove the account from my credit report along with all other information related to it.

If do not receive my copy of the 1099C within 15 days I will be filing a 3949A with the IRS, as that is considered tax fraud.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 ( a ) ), consumer reporting agencies must uphold their serious responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and XXXX, as consumer reporting agencies, are required to adhere to these standards, while I, as the consumer, have the right to protect my private information. 

Under 15 U.S.C. 6801, Congress establishes that financial institutions have a continuous duty to respect customer privacy and safeguard the security and confidentiality of nonpublic personal information. Navy Federal Credit Union qualifies as a financial institution under this definition.

Further, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) dictates that consumer reporting agencies may only provide consumer reports when they have received the consumer 's explicit written consent. I did not grant such consent to XXXX, XXXX, or Navy Federal Credit Union. Any prior consent, whether verbal, implied, or written, is hereby revoked. 

Additionally, per 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to unaffiliated third parties unless the consumer is informed of their right to opt-out of such disclosures. I was never notified of this right, violating these regulations.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits any entity from furnishing inaccurate information to consumer reporting agencies if they know or have reasonable cause to believe it is incorrect. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies must maintain reasonable procedures to prevent violations of 1681c and to limit the furnishing of reports to those permissible under 1681b. XXXX and XXXX have failed to uphold these standards. 

Lastly, 12 CFR 1016.7 affirms that a consumer retains the right to opt-out at any time. I am formally exercising my right to opt-out of your reporting services.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$22000.00}, XXXX XXXX XXXX balance {$120.00}, XXXX XXXX balance {$350.00}, XXXX XXXX XXXX balance {$510.00}, XXXX XXXX XXXX  balance {$370.00}, XXXX  XXXX bank balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}
Product: Payday loan, title loan, or personal loan

XXXX XXXX came to my door XX/XX/XXXX I told the agent I was not interested but he insisted I listen to what he had to say and ask questions about my entergy bill and personal questions I did not intend to buy any products well a few days go buy I received an email that someone had signed documents other than myself and I had a loan through goodleap llc I wrote letters within 3 businesses days stating that I did not make this loan and want it terminated I was told that it's not possible to terminate the loan I left town for a couple of months and come home I have solar panels in my backyard nobody was home to even grant access now in XX/XX/XXXX I have a delinquent account posted on my credit report and my score dropped over 100 points and the solar panel system is completely unusable and not fully installed I have made several attempts to call XXXX XXXX but the company has filed bankruptcy.
Product: Credit card or prepaid card

on XX/XX/XXXX applied for a discovered card and approved. XXXX requested a deposit for the approval. XXXX ACH the funds on the XXXX of XXXX, an alert was sent from the bank. I immediately made contact with the DIscover bank. SPoken with XXXX regarding the issue. She stated as long as the funds were available, the approval still stands. Called a couple of days later regarding the withdraw of funds, I was later told i was denied. Spoken with a supervisor XXXX. Extremely nice and pleasant and went above and beyond to hear concerns. XXXX stated he will listen to the call placed between myself and the customer service rep. XXXX returned the call and stated he understands my concerns. Unfortunately, XXXX couldn't resolve my issue. The company failed to comply with the guidelines stated by XXXX XXXX. Requesting to resend offer. Today went through a pre-approval process and was pre-approved for a discover it cashback card. Applied due to conversation which taken placed prior, company immediately denied me. The company blackballed me for approvals due to the incident.
Product: Debt collection

About 4 months ago I put my house up for sell I've owned for 20 years, and my title and escrow company advised me ( when I had a buyer, who backed out by the way ) that that creditor and/or it's 3rd party lawyer group by the name " XXXX XXXX '' has a lien on my property and their demand is for XXXX dollars! This can't be legal and they have cost me several buyers to come and go, not to mention putting me now into foreclosure, two modification processes through mortgage company, stress and severe hardship, and more! All the while before all of this I attempted contact just to try and verify or correct any wrong information about this creditor and they have ignored me completely making it impossible to remove the lien and continue with what has been a very important attempt to sell my property for personal and financial reasons! I had also contacted " American General Financial '' a lender that 14 years ago, I had a loan of only XXXX with XXXX down on a tou hauler and 9 out of the 12 months of payments. I voluntarily repoed a toy hauler to after having for only one year and they auctioned off a month or so later and sent a letter saying so and the auction price was for an additional XXXX on top of what I had paid. So by XXXX they said they had no record of me whatsoever, and also their name had changed and was no longer American General Finance. So this bogus lien, and an amount I've never borrowed is completely wrong and insane! So of course there was no way I could help myself finacially or benefit with an amount like XXXX ( as far as I was lead to believe anyway ) coming out of my potential equity of sell. This has to be illegal and I hope to hear that I can sue them for the insane hardship, financial burden, loss, major stress, etc they have and are still are putting me through! 
I will send Title company info below etc. Please help!? Thank you, XXXX XXXX
Product: Vehicle loan or lease

My husband and I sent the finance company a final payment for our car and we paid the car off in full on XX/XX/2020. I have called them numerous times and asked them for our pay off letter and our title to the car. They keep telling me that it will be 7 to 10 business days to receive it but it has been almost a month now and we still havent received it. I called them again today XX/XX/2020 and the lady told me that they do not have any record of me calling and asking for it. But I have proof on my phone that I called them to ask for it and my husband is my witness to these phone calls. I am tired of the run around and would just like the pay off letter and title sent to us.
Product: Credit reporting or other personal consumer reports

My private information is being reported to and by the 'big XXXX ' credit reporting agencies, XXXX XXXX Equifax XXXX and XXXX, without a permissible purpose, without my consent and it infringes on my right to privacy. The specific accounts in question at this moment are the following : ( XXXX XXXX XXXX XXXX / account # XXXX ) & ( XXXX XXXX XXXX XXXX XXXX / account # XXXX ) I was never provided a 'Reasonable Opt-Out ' pursuant to 16 CFR 313.7 ( a ) ( 2 ) ( ii ). As a consumer of a financial institution, I have a right to privacy, and a continuing right to Opt-Out of the sharing, reporting and disclosure of my personal, private information and creditworthiness. I've previously mailed and faxed my own 'Opt-Out ' Notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also gave notice to XXXX XXXX XXXX XXXX XXXX as well via CFPB complaint numbers XXXX & XXXX, also reference 16 CFR 313.10. Take this complaint as my last exhaustive attempt to resolve this matter non-judicially. These accounts are being furnished and reported without my consent, infringing on my right to privacy, without a permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ), violative of the FCRA, the Privacy Act, my constitutional rights to privacy and it's a defamation of my character, reputation and creditworthiness, as well as inaccurate. YOUR COMPANY HAS BEEN FORMALLY NOTIFIED OF THE ABOVE AND REQUESTED TO REMOVE THE ABOVE DEFAMATORY ACCOUNTS.

Please take note of the following referenced laws your company is responsible for following : 15 USC 1681b 15 USC 6802 15 USC 6805 15 USC 6821 15 USC 6823 15 USC 6827 16 CFR 313.7 16 CFR 313.10
Product: Debt collection

Asset Acceptance sued me in 2012, however when I did not receive appropriate court documentation to be able to request validation and enter an answer with the court. Additionally, they filed a motion for foreign judgment in Florida, again without providing any documentation to the court or myself as to the nature of the law suit. Therefore I have been unable to verify if the debt is mine since 2012 and they have been awarded a default judgment against me without proving me the means to review information regarding the original complaint. I want all documents they submitted to the original courts that they used to validate the debt to be awarded a judgment.
Product: Credit reporting or other personal consumer reports

I sent a letter to all three credit reporting agencies requesting they investigate XXXX XXXX  card # XXXX claim that I am responsible for this debt. I received a report from each agency saying the disputed debt has been verified as accurate and updated. 
They simply identified the account name and number, balance date opened and date closed. 
They did not investigate if the debt was my responsibility. The debt was my wife 's who is deceased. I was an authorized user, not a joint owner. Therefore I'm not responsible for the debt, and past due amount. The debt should not be part of my credit report. My wife simply called and asked that I be issued a card. That I was authorized to use her credit card. I never signed anything that made me a joint owner of the account.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, the merchantXXXX XXXX XXXX charged me {$270.00} twice ( Total {$550.00} ) for rental application ( {$75.00} ) and administrativefee ( {$200.00} ). The administrative fee was promised to be waived because my employeris their preferred employer. However, they refused to honor their promise on both transactions. I requested a refund ( total {$470.00} ) from them, but they ghosted. I reached out to Schwab to ask for help and advocate, they filed the claim, asked me to submit the relevant document, but they denied the claim quicklyon the ground they have no recourse. That's not helpfulor advocatingfor me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Throughout XXXX, I was getting notifications via the Upgrade App that my account was past due, although I made the minimum payment. After the minimum payment was made, I continued to get notifications that my account was past due in the amount of {$2.00}, which should not have been the case but I paid it anyway. Days later, I received another notification stating my account was past due in the amount of {$2.00}, so I make another payment. Again, on XX/XX/XXXX, I received another notification stating my account was 29 days past due in the amount of {$0.00}. 

At this point I was very concerned and reached out to Upgrade support letting them know that I was concerned that my account was showing past due and I was further concerned that I would be reported as past due to the credit bureaus. I received a reply advising that these repeated notifications were due to a system glitch and assured that I would NOT be reported delinquent to the credit bureaus. 

Today, I received a notification from XXXX that my XXXX XXXX had dropped XXXX POINTS because Upgrade reported my account over 30 days delinquent in XX/XX/XXXX. This is absolutely unacceptable, inaccurate, and illegal. This error was already brought to their attention and even still I have endured serious consumer harm by way of my XXXX XXXX. I am very distraught. Please remedy immediately. Screenshots and company communication is attached here.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of fraudulent accounts and inquiries on my credit report, resulting from a data breach in which my personal information was compromised. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the accounts and inquiries listed below : Fraudulent Accounts 1. XXXX XXXX o Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$49.00} XXXX. XXXX XXXX o Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$630.00} XXXX. XXXX XXXX o Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$62.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$840.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$750.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$710.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$1400.00} XXXX. XXXX o Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX o Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$90.00} XXXX. XXXX XXXX o Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$15.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$1500.00} XXXXXXXX XXXX XXXX XXXX Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$0.00} XXXXXXXX XXXX XXXX o Account ID : XXXX o Date : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries 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 XXXXXX/XX/XXXX
Product: Bank account or service

On XXXX XXXX, 2015, a friend of mine in XXXX wired me USD {$500.00} from his bank, XXXX, in XXXX. Only {$470.00} was posted to my account at XXXX XXXX XXXX XXXX XXXX. He paid the wire transfer fee separately. On XXXX XXXX, 2015, he wired another USD {$500.00}, once again paying the wire transfer fee separately. Once again, only {$470.00} was posted to my account. I called XXXX XXXX, and they said that {$470.00} was all that they got. 
I contacted XXXX in XXXX via email, and they said that they sent USD {$500.00}, and that the Federal Reserve took out a fee of {$25.00} for transmitting the wire to my bank. I contacted the Federal Reserve, and they said that the XXXX XXXX XXXX 2015 fee schedule is {$0.00} for transfers up to {$14000.00}. 
Whenever I have received wires before from overseas, I have never had any fee charged. {$25.00} is not a large amount, but something may be going on that affects more than me. Somebody is taking out {$25.00}. I am getting no place in determining who this might be, and would appreciate your help in this matter. 
Thank you for all the great work that you do. Every American is proud of you and grateful for what you do. Keep it up
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX County also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report from XXXX  and Experian, I noticed several medical accounts in collections. Ive called the collection agency which is XXXX XXXX  XXXX more than 30 times requesting verification/validation that the collection accounts  belongs to me. Each time the customer service representative I spoke with stated that they cant verify the debt. Ive disputed the collections accounts with Experian and XXXX  several times and each time it came back as verified. Ive also sent Method of Verification letters to both Experian and XXXX. The disputes was closed because it was verified as accurate. The two credit bureaus above refused to provide me with their Method of Verification for the collection accounts with Optimum Outcome listed on my credit report. According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.