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

My mother was scammed. She was told by someone she knew he would assist her with purchasing property in Florida. In XX/XX/2012he had her deposit 3 separate transactions from her account into his. Shortly after she informed him that she changed her mind but he claimed he already utilized the funds and would need some time to return it. He continuously asked for extensions. My mother being the nice person that she is would oblige. It's now been 8 years and more than obvious that he has no intention on returning the funds. My mother and I called the bank to find out the full account number, name and to determine whether it was a business or personal account, all information we need to provide to our lawyer. She's doesn't recall from memory. We also wanted to inform them of the crime so they can take the neccessry steps to prevent him from doing it to someone else. He's clearly a liability. The representative stated the information could not be located because it's been more than 7 years. What's puzzling is the representative couldn't even go past 5 years. Additionally, being someone who is familiar with how banks operates. I'm not quite sure this information is accurate. There should be a research department that can retrieve this information. Please see the attached receipts of the 3 transactions.
Product: Credit reporting or other personal consumer reports

I would like these account to be remove so my credit report can update accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I initiated disputes with TransUnion, XXXX, and XXXX regarding inaccuracies in my credit report. In these disputes, I provided details of the accounts in question and highlighted the violations they were committing by reporting inaccurate information. Despite this, it has been more than 30 days since I raised these disputes, and none of the credit bureaus have responded. Below, I am attaching copies of all the letters I sent. 

This company has persistently neglected to validate the collection account, thereby continuing to violate the Fair Debt Collection Practices Act ( FDCPA ) Section 809b, as per the opinion of the Federal Trade Commission ( FTC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX some body Fraudulently applied for two loans to One Main Financial! I contacted One Main about this issue and also contacted XXXX XXXX from the Mn. Commerce Dept. about these two loans that someone applied for, I reported this and also reported it to the XXXX XXXX Police dept. One Main has requested several times to XXXX  to remove the hard hits from my account, the hard hits are still there.
Product: Mortgage

I have a XXXX mortgage with Select Portfolio Servicing XXXX Inc. XXXX " SPS '' ). I moved out of the mortgaged property, but still own it and continue to make payments on it. As soon as I moved out, SPS stopped sending me monthly statements. I have called SPS XXXX months in a row, and they have promised to fix the problem, but they still have n't sent me a statement since I moved out. I am up to date with my payments to SPS, but I am concerned about whether they are applying them like they should be. Without a written statement, I am unable to verify whether SPS is reducing my principal each month like they should be. I have provided SPS with my forwarding address, but that has not done any good. For the past few months, SPS has not sent statements to either the mortgaged property or to my new address.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

One year ago ( XX/XX/XXXX ) I started looking at my credit reports to see what was on it to see what needed to be done to get my score up to purchase a home. Upon doing this I came across a account in collection Midland funding LLC prior creditor was XXXX XXXX  for {$560.00}. I had no idea what is was or who it was for so I disputed it telling them I didnt know what this was for and wanted it to be validated. They would just respond with a letter that said the account was valid. I disputed it twice. Now this month ( XX/XX/XXXX ) I decided to call XXXX to see if the could tell me more about what it was for since when I tried to find out I didnt get a informative response. The agent at XXXX told me it was for a store credit card, the store was XXXX and the original charges where done in XXXX or XX/XX/XXXX in Missouri. At that time I was actually in XXXX XXXX, Washington where there isnt any XXXX stores so I immediately reported fraud as it wasnt me. I have documentation that proves when I actually flew to WA and ended up residing there until XX/XX/XXXX. Had I taken the time sooner to look into everything on my credit report I would have most certainly reported it sooner.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries, which have appeared on my credit report as a result of a data breach. Under my rights pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items to safeguard my credit profile. 
Account : XXXX XXXX  XXXX - XXXX - XXXX - {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

I have sent you copy of my police report and FTC report over 10 times through CFPB showing I was a victim of identity theft along with my SS card and passport.
Product: Credit reporting or other personal consumer reports

I would like to explain my story. I am a victim of identity theft. At this very moment I am not aware of whos responsible for the fraudulent accounts on my report. Ive never seen the score XXXX in my life. What was done to me is running my reputation and I am in need of an investigation. I have proof of everything being fraudulent. Below attached is a report, Transunion dispute letter and two forms of identification. The addresses that are listed on report isnt my address at all. Please update my information and send me an updated copy.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 XX/XX/year> 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. 

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

Company could NOT verify this account belongs to me. Two other credit reporting agencies REMOVED this account. This account can NOT be verified, as I was NOT on the lease anymore when this collection was created for an old roommate. This is fraud and needs to be REMOVED. 

XXXX collect {$7700.00}
Product: Checking or savings account

On XXXX XXXX my wallet was stolen along with my debit card, phone and other credentials. I have an account with Bank of America. Initially I was told that temporary funds would be given to me in three days until the issue was resolved. Now it appears they are giving me a hard time about my money. My account was basically wiped out. The total came to slightly over {$1300.00} I explained I have financial obligations and I need my money. I have been receiving the run around and no clear answers. I am XXXX years old and in a terrible predicament not of my doing. I would appreciate any help you can provide. 
Thank you
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries in Dispute : XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts illegally reporting information solely on transactions and experiences from Experian and XXXX. According to fcra consumer laws and regulations section 15 U.S.C. 1681b It clearly states a consumer report does not include information solely about transactions and experiences. There is no permissible purpose for this reporting except to damage my reputation. I never consented to this erroneous fraudulent reporting of XXXXXXXX XXXX, upgrade, and XXXX XXXX XXXX.
Product: Credit card or prepaid card

I was recently issued this paycard by my now former Employer to settle my final wages. This was REQUIRED by my employer, as no other option was given at the time of release. As such, a card was issued by ADP TotalPay, in order to allow to " expedited '' access to my final wages, at no cost ( according to my employer ). 

However, since issue on Thursday, XX/XX/2019, the card has failed to activate using the automated phone system ( the only option available to users ) and the Customer Service representatives have faced the same issue trying to use the same systems to activate the card. To note, they have 0 ability to force the activation or help in any way, other than to have you go through the same automated system with them on the line. 

My employer touted the instant issue checks that come with the cards, but can't use them since I can't activate the card over the phone. First Data allows online access to the account, where I didn't run into any issues. However, all I can do is review my balance. Issuing a Check still requires the use of the automated system that is unable to activate the card in the first place. 

I've tried unsuccessfully to activate the card, and the representatives all tell me to check back later. It's now Monday XX/XX/2019, and I'm still not able to activate the card. Speaking with another representative today, they have now indicated that it may not be resolved until Wednesday, prolonging the issue almost 6 days since the day of initial issue of the card. 

To make matter worse, their phone system has also indicated that several cards exist under my Social Security number, and when I ask a representative for assistance. I'm told there is nothing they can do. The other resolution offered was a " Money Transfer '' which I can initiate online, but requires the payment of a {$3.00} fee to complete. A consumer has no other options available to them to get access to the funds immediately, other than to wait for a resolution in an unreasonable turn around time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXThe List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX States i have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which andantes the report by more than XXXXXXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The law states that inquired made for a car or home loan within a certain amt of dares only count as 1 inquiry. I applied for a car loan at XXXX XXXX XXXX XXXX XXXX  of XXXX. They then sent it out to over 15 loan companies. All should have been counted as 1. Same with a home loan applications I applied for in XXXX of XXXX. They say I have 28 inquired and I was recently denied loa n my and this was part of the reason. They dldo fail to report medical bills as medical. There is a collection acct assigned to credit services for XXXX XXXX. And it is no ok to marked nedical. I gave fou go t with takl 3 cc agencies since XXXX and am tired of refusals to issue credit because of there games and breaches. I am requesting your assistance to look into my credit reports and make them follow the law as I am tired of reminding them what the law is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. MACY'S/DSNB ( opened XXXX. XXXX, 2009 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACY'S/DSNB has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Checking or savings account

Regions bank is engaging in what I believe is predatory over drafting. Numerous times in the last year, I have noticed transactions on my account being posted in a different order than they were made, many times with large withdrawals being held for longer periods of time or deposits being ordered before withdrawals, even if those deposits were made after a withdrawal to offset the expense. All of these practices result in surprise overdrafts, and therefore overdraft fees. I believe Regions Bank intentionally orders transactions in a way that overdrafts customers. In XX/XX/XXXX, I checked into a hotel and swiped my debit card to pay for the room. This transaction posted to my account as Pending. For eight days, the charge was pending, and at the end of the day on XX/XX/XXXX, the mobile banking app indicated that, once all transactions cleared, I would have a balance of around {$110.00}. However, on the morning of {$620.00}, I was over drafted by almost {$400.00}. I deposited a check and made a transfer to cover the overdraft, but on XX/XX/XXXX, I was assessed an overdraft fee of {$100.00}, despite having two pending deposits that would cover the overdraft. I asked Regions for a refund of the overdraft fee and they stated that they only allow one refund for the life of the account, but that they could not touch a pending charge. Additionally, the agent I spoke with wrote that the hotel charge, Made it appear that there were more funds in the account than what was actually available. How does the bank allow my account to appear to have more funds than what I actually do? Beyond this, I am enrolled in a form of overdraft protection that does not allow me to swipe a debit card with insufficient funds. On XX/XX/XXXX, I wished my debit card for a coffee and the transaction went through. Regions bank now shows that my account was already- {$300.00} when that charge was made, which is simply not possible because my card would have declined.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXXDate of Inquiry XX/XX/XXXX & XXXX XX/XX/XXXXDate of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : KIKOFF Account Number : CLWHLK Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX my credit reflected Equifax XXXX and all was fine but I wake up today XX/XX/XXXX XXXX and is now XXXX and giving false information that consumer deceased and all accounts are closed. This needs to be addressed.
Product: Credit reporting

On XXXX XXXX, 2016 I have contacted Experian via US Mail notifying them about Fraudulent credit items appearing on my credit report as a result of identity theft. I included my Police Report and my FTC Identity theft Affidavit. The following accounts that Experian failed to block per 15 U.S.C. 1681 ( c ) -2 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX 6 ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX Further i have written the companies regarding the fraudulent accounts which has been opened i have completed the fraud affidavits which the companies requested and as of today these accounts are still being reported on my credit report.