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

XXXX was told to remove info. they passed the buck onto XXXX. XXXX refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over 25 years old. request for info to update database based on my blood type etc. is HEREBY DENIED. 

EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM  ESCALATING CLAIM. 

NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ). 

I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.
Product: Credit reporting or other personal consumer reports

Complaint Details : Account : XXXX XXXX : XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My computers were hacked on XX/XX/XXXX. Everything was jeopardized and caused the problem with my credit. Scores as well as my credit account. My identity was in jeopardy because they hacked into my bank account and at some points my bank balances were inaccurate. When I reported it to the local police department XXXX. XXXX XXXX told me through an email, he was hacked before so what made me different? I responded because I have federal papers on my computers and if they are in the wrong hands, it can be a problem for myself and my family. I was recruited for DEA at one time as an FBI : Special Agent. Although I turned it down it was still on my computer and I completed federal court cases from the XXXX XXXX XXXX to the US Supreme Court. Also, the hackers wanted my homes that were promised to them by my nephew with an illegal Gift Deed. These hackers were known to be in the XXXX  business and their aim was to mess up my finances so they went after my bank account with fraudulent activities taking large sums of money from my bank account. They overtook my computers and my cell phone, landline phone, and computers. They paid individuals to try to take my identity through my Medicare card, dr. appointments, and medication. They threaten individuals who worked for me because they wanted my house at XXXX. XXXX XXXX, XXXX, GA XXXX. They tried to steal my identity by having others pretend they were me and go behind me to change things around mean. They interfered with my US Postal Mail and last but not least when they had a tree from their property to damage my auto. They paid XXXX XXXX XXXX XXXX to total my car because they knew it would be hard for me to find another one on my modest income How the credit scores came involved when I start looking into home equity that I never used and I talked to XXXX about a reverse mortgage ; then, it was obvious my computer had been hacked because XXXX asked if I was in Good Standing on my credit scores. The hackers started having XXXX come up with all types of discrepancies and when I contacted XXXX  XXXX XXXX, I remembered they told me that fraudulent activities were on my bank account since all this started in XXXX of XXXX. So I should have notified them but I received no support from local law enforcement. I had to do it all myself and when I reviewed my credit report, I never informed them I was a victim of Identity Theft because the hackers had all my information. They wanted my home at all cost even to the point they raised my XXXX  mom ( who passed on XX/XX/XXXX ) and they said she gave a Gift Deed of the house to someone in XXXX.
Product: Checking or savings account

On XX/XX/2022 I and my husband XXXX XXXX went to the Wells Fargo Bank ( WF ) at XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, NC XXXX to withdraw {$100000.00} from our Savings account which currently had {$230000.00}. 
I was told I would be charged {$10.00} for a check in this amount. I told the teller, XXXX, I should not have to pay to get my own money from my own account and was told that was Wells Fargo policy and I could complain to the CEO. I said I would. I told her instead of a check that would cost me {$10.00} I would take my {$100000.00} in cash. I was then told I couldn't do that as they did not have {$100000.00} to give me. Not good! 
So I wrote a check for {$10.00} out of my checking account ( a different bank ) in order to get my own money ( via WF cashier check serial # XXXX account # XXXX, transaction # XXXX XXXX at XXXX pm for the fee and transaction # XXXX XXXX at XXXX to get my {$100000.00} ). My purpose for withdrawing these funds was to set up a savings account at a different bank which would pay me far more interest than WF does. 
I don't think this is right as Wells Fargo denied me access to my money unless I paid them to get it. 
I believe I deserve at least my {$10.00} back from them and this practice should be stopped! It is just XXXX more of the awful things Wells Fargo has been doing to consumers. I will, as soon as I get some of my drafts set up in a different bank, get ALL of my funds out of Wells Fargo and will probably have to give them another {$10.00} to do that if your organization doesn't stop it.
Product: Debt collection

I CONTACTED UTILITY COMPANIES AND SWITCHED INTO MY NAME. BOTH THE WATER AND POWER COMPANIES ADMITTED THEY ERRED AND DID NOT BILL ME CORRECTLY. I HAVE SINCE PAID IN FULL BOTH ACCOUNTS WHICH I TOLD AND SENT PROOF TO THE CREDITOR AND ORIGINATOR OF THE DEBT. BOTH HAVE IGNORED PROOF THAT ALL DEBT IS PAID. THE CREDITOR CONTINUES TO SEND NOTICE DEMANDING PAYMENT AND CONTINUES TO ADD LATE/FINANCE CHARGES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just going over my file I saw a few addresses that do not belong to me on my credit report. I was looking into getting a Government Job when I noticed the errors in my personal information. My address is XXXX XXXX XXXX XXXX XXXX OH, XXXX. I have been at this for over 5 years. The following addresses do not belong to me. I XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX CT XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 investigated and corrected from erroneous reporting in my file are listed on my credit report : 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: Debt collection

The debt was settled and paid several years ago. I continue to be contacted by a credit collection firm, Midland Credit Management , Inc. XXXX handled my settlement and has contacted this creditor requesting a cease of contact. I continue to receive mail pieces from this collector for a debt that has been paid several years ago.
Product: Debt collection

Waypoint assumed a debt of {$36.00} ; a debt I knew nothing of until XX/XX/2019. I did not have a XXXX account on the dates claimed. I moved away from a XXXX service area a long time ago ( before the dates mentioned ). This debt is a grievous error ; the fact I was not living in this area, using XXXX services is incontrovertible evidence that I could not have accrued this debt. Furthermore, if waypointXXXX cared to investigate, I am sure, the companies will find no payment by me on this false account. If this account exists and was made in my name, I am sure someone else was paying for the service. Please provide me my signature assuming this debt, the contract I made, the legal right Waypoint has to collect, any burden of proof that I have any legal obligation to this debt, the breakdown of the fees assessed, and proof of the legal right to collect in my state. 

I demand the immediate deletion of this record from all credit bureaus. 

I am a XXXX veteran, trying to buy my first home, when this collection of {$36.00} popped up out of nowhere. I would not have ruined my credit for {$36.00} .... All I have is my credit, and this company destroyed it for {$36.00} dollars I do not owe. 

I have attached a long term lease in the state I live, a state that does not even have XXXX.
Product: Credit reporting or other personal consumer reports

Due to a update of my credit report to all three credit bureaus. I founded numerous inaccurate/unauthorized fraudulent accounts. 
That are in violation of FCRA. 
15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions of consent.

15 USC 1602 The terms : ( h ) " credit sale '', ( i ) " consumer '', ( j ) '' open end credit plan '' and " open end consumer credit plan '', ( p ) " unauthorized use ''  15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) gives false or inaccurate information of fails to provide information which he is required to disclose under the provisions issued thereunder. 
Neither bureaus ( XXXX, XXXX and Equifax wasn't willing to accept my proof by phone or mail. That's why I'm submitting a letter as exhibit A. and exhibit B. is a complaint to FTC in Identity Theft ....

Thanks In Advance!!!!
Product: Debt collection

I am concerned about the derogatory status reported on my Resurgerecve account, which was opened on XX/XX/XXXX. Despite the account being relatively new and no payments recorded, it appears that the account has been marked as derogatory as of XX/XX/XXXX. 

Additionally, I would like to inform you that this account was included in my bankruptcy, and as such, any derogatory marks or outstanding balances related to this account should be addressed in accordance with the bankruptcy discharge. 

Key Dates and Actions : XX/XX/XXXX : The account was opened, but no payments have been made yet. 
XX/XX/XXXX : The account was reported with a derogatory status, despite being a new account and no history of missed payments. 
Included in Bankruptcy : This account was included in my bankruptcy filing, and any reporting of this account should reflect that status. 

Resolution Request : I request clarification as to why this derogatory status was applied to an account that was included in my bankruptcy. If this is due to an error in reporting, I would appreciate the immediate correction of the account status and the removal of any negative marks from my credit report. 

Additionally, I request that the account be updated to reflect its inclusion in the bankruptcy and that all reports going forward are accurate in accordance with the discharge. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquires and a chapter XXXX bankruptcy on my credit report that i did authorize. this is a violation of my privacy under the FCRA and FDCPA and has caused me stress due the denial of credit need for personal and household purposes.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I have reached out to your office numerous times regarding my situation as a victim of identity theft. I have provided multiple documents to support my case and would like assistance in resolving this matter. 

Thank you for your attention to this issue.
Product: Checking or savings account

Got an email saying that there was " suspected fraud '' on my account, and that I needed to call to provide more information. When I called, the goalpost had moved - they very definitively said that 1 ) they were closing my account, 2 ) they were absolutely not going to tell me why, 3 ) I would get check in the mail, and 4 ) I later was told that I would not be eligible to open another account. Point 4 was what honestly shocked me the most, because I have not done anything shady on the account at all. 

I went into a branch on the suggestion of one of the phone reps, who did seem sympathetic to my plight. However, there was no progress at the branch either. The woman was nice enough, and sympathetic to my cause as well. She did disclose that she had dealt with multiple other customers who had gone through the exact same process, and that they didn't have access to see why this decision was made, and that I had no path to appeal. It's a XXXXXXXX XXXX for them too, it seems. Super frustrating experience, with no way to advocate for myself as a legitimate customer. I canceled my CC with them after this, the whole ordeal left a bad taste in my mouth. 

I would love some more clarity or transparency from Chase, honestly even if they were to say " This action on your account was why we investigated you '' I could show them why it was not fraudulent, or even just KNOWING would be better than the empty plate I have been served. It's not looking out for us, it's looking out for them, I am aware that their interests come before mine. It just shouldn't be that way ... The last below escalated a complain but they will not return my call. Please let me know what we can do. 


Hi XXXX, Per our phone conversation, the number for our Operating Loss Prevention Team is XXXX opt # XXXX, where you can call to ask your follow up questions regarding the suspended funds. Also as requested, I have submitted another escalations to our Branch Complaints Escalations Group, you can expect a follow up from them in the coming days.

Again, I am sorry that I was unable to answer your questions today, but the above teams may have those answers for you. 

Thank you, 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 | Schedule a meeting
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The Bankruptcy that is showihng on my credit has violated my consumer rights. 

16 USC 1691 States I have a right to privacy.

16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Debt collection

I had a debt owed to XXXX XXXX of about {$8400.00} and separate debt another of over XXXX. The XXXX dollar debt was paid off in XXXX and was for a truck loan. This payment was not authorized, and I was not even so much as given a receipt. They are responsible in this case because they lost the title to my truck XXXX they still dont know what happened XXXX and then because I wasnt able to retitle it in a different state they raised my APR by a crazy amount. This is all after I had refinanced the truck with them. They closed the account without talking to me and on my credit report says they settled for less than the full amount which adversely affects my credit score. The XXXX was the remaining credit card debt to be paid. I never talked to anybody about being able to set up payments and before I could talk to anybody about making arrangements the money was taken out of my account without authorization. Obviously they said the bank has authorization after I signed for the card and that they can do basically whatever they want. Every time I call for answers I am bullied around by the collections workers and treated very unfairly, and have even been hung up on when they couldnt get answers. If I had paid off a larger debt to them just a few weeks prior to the pandemic, then I should have the opportunity to set up payments before I am left penniless by the bank. There was no warning that the money would be taken out. Navy federal credit union has a huge history of wrongfully collecting debts and bullying customers. A few years ago they were ordered by the courts to pay back tens of millions to families that were robbed and bullied by this institution. I find myself in this very situation that left so many families struggling not able to support themselves. The handling of collections by Navy Federal is disgusting and continues to destroy lives of the people that took years to build up these savings. I believe that I have been wronged in this collections process without an opportunity to make payment arrangements. Especially in times when everything is so uncertain it is an extremely authoritarian and unethical method to reach into someones account and take everything they have. Now they have effectively ruined my credit by processing these funds in the manner that they have, giving me no options and effectively leaving me with XXXX dollars. Its also worth mentioning that the money taken from the account was federal XXXX payments needed for treatments and to get help that I very much need. I hope that my situation can shed light on the corruption that still happens at their institution behind closed doors. It hasnt stopped after the lawsuits, they just found more loopholes.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer credit report from Transunion XXXXXXXX XXXX XXXX  I saw hard inquiries on my credit report that do not have permissible purpose. I have attached evidence. 
List of inquiries : XXXX XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXXXXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax Data Breach and Identity theft I have tried working things with Equifax but the continue to allow illegal fraudulent activity on my credit report please help me remove this illegal account immediately per FCRA items must be removed within 4 days with proof of identity theft. 

Account is XXXX XXXX XXXX {$2400.00} please remove this account immediately
Product: Credit card or prepaid card

Home Depot Credit Services sent me a letter dated XX/XX/XXXX notifying me of new cards being sent to my business. The cards never arrived. They have since told me they mailed the cards to an address that I removed from my account over 9 years ago in XXXX. An address that was my mailing address only for approximately 5 months. They are now trying to say that the wrong address is the physical location of my business and it is NOT. That was never the physical location of my business. I asked them for something in writing showing who changed my physical business location to that address and when. They refuse to do that. They can not answer why the last time they issued a new card that it was sent to my current and correct address in XXXX of XXXX. 
I simply want a copy of the written request on my company letterhead that they have told me it takes for them to change the physical location of my business. I never changed the physical location of my business to that address in Maryland. I want a copy of the written request on my company letterhead that made them change my physical location to that address because I never sent them such a written request.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts listed on my credit report. My personal information was compromised in a data breach, and the following accounts have been fraudulently associated with my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be blocked and removed immediately : Unauthorized Accounts XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$2700.00} XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$3500.00} XXXX. XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$3100.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX XXXX to freeze my credit report last year and still I'm being denied to freeze my report and also I've submitted my ID and Social by certified mail. I'm requesting this account to put on freeze. I don't want my information opened to the public
Product: Mortgage

My name is XXXX XXXX XXXX  XXXX owner XXXX XXXX XXXX. XXXX  XXXX CO XXXX.First foreclosure star on XX/XX/XXXX For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as declarant not a Home owner Association by XXXX XXXX. ( not exist since 2001 years XXXX XXXX XXXX XXXX ). Not HOA license. Court case XXXX forclosure sale XXXX XXXX on XX/XX/XXXX. Accelerated foreclosure dismiss action court case by XXXX XXXX and withdraw on XX/XX/XXXX I paid {$8900.00} aprox. for HOA no lic. exist. and Mortgage PHH Collection agency XXXX XXXX. my payments was not posted in my account while I was XXXX XXXX XXXX XXXX XXXXXXXX XXXX never are getting out of XXXX XXXX and CA years ago. XXXX foreclosure posted before XXXX moths of last XX/XX/XXXX While payment mortgage not placed in account I believe erroneous until now during whole XXXX. Placing XXXX case XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ever inform reacquire loan paid complete and accelerated foreclosure all in violation laws rule1, 11, 12 ( b ) 2 and others of XXXX Iget denied all rights.
Product: Credit reporting or other personal consumer reports

I have never rented from this company before, but they are nonetheless reporting on my credit card. As a victim of identity theft, I suspect that this may be the root cause of the issue. Despite furnishing the necessary documentation to rectify the situation, the credit agency is still unwilling to remove this information from my credit report.