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

XXXX XXXX sold a XXXX XXXX XXXX account ( with XXXX different account numbers : XXXX & XXXX ) to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, I was alerted by Experian that XXXX had reported the collection debt to Experian in my name ( XXXX XXXX ). I contacted XXXX to dispute to the collection debt and XXXX XXXX did not approve my fraud claim. I sent a letter ( dated XX/XX/XXXX ) to XXXX XXXX containing evidence to prove that my XXXX account may have been compromised on XX/XX/XXXX, the day the XXXX XXXX XXXX was approved in my name. I don't recall making any purchases with the card in question, but I did make payments on the card, because I thought I was making payments on my XXXX XXXX credit account ( # XXXX ), which was closed and paid in full on XX/XX/XXXX. XXXX has not sent me any documentation to prove that I applied for the XXXX XXXX XXXX and/or made purchases with the card. I hope CFPB can help resolve this matter in my favor, so the collection debt in the amount of {$3000.00} can be removed from my credit file. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged feeds due to lagged posting of charges and credits. This issue aligns with the recent CFPB finds against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED. I need this account verified in order to clarify my credit report Here is the account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnisher on XX/XX/year>. It's been well over 60 days and I still haven't gotten a response. I'm very frustrated that fraudulent accounts that are not mine haven't been removed off my credit yet. I am demanding that these unauthorized accounts be removed off my credit or I will be taking legal action!
Product: Debt collection

I I checked my consumer XXXX XXXX credit report to see I have a collections with XXXX and other crab bureaus on this account ALDOUS number XXXX
Product: Credit card

The last few ( at least XXXX ) statements for my Bank of America credit card have not shown the balances subject to various promotional balance transfer offers that I have taken advantage of. I had this same problem in 2015, and the problem was corrected on a few statements. But now the error has returned. When this happened last year Bank of America took months to resolve the issue and did n't seem to care that they were sending out XXXX incorrect statements. The person assigned to handle my case often did not return calls and was basically useless. A perfect example of a " too big to fail '' bank that does n't care about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been being charged for an Experian Membership for months without my knowledge. I have tried to cancel on multiple occasions and they do not allow it. I can not get someone on the phone and every time I call the wait time is over an hour. This is unacceptable for a company charging me {$30.00} each month I do not have a username and password and the only e-mail address I have explains that it is not valid. 

All I want to do is cancel my account so they do not steal {$30.00} from me each month. Its easy to start up with them but impossible to cancel.
Product: Credit card

I did paid off Discovery Card with XXXX Bank XXXX XXXXXX/XX/2015 on-line XXXX. A few minutes later I found that money on account XXXX Bank is not enough and I deleted this transaction. I made a payment in a few minutes through the XXXX XXXX Bank in the Discovery Credit Card. However, I found that Discovery still withdraw money from my XXXX Bank account XXXX times and each time the XXXX Bank took with me {$35.00} for insufficient funds in my account. 
I spoke with representatives of the Discovery of this, after I discovered that they did not return the money in the XXXX Bank, I spoke with the manager XXXX. The money was not returned to me, and even then XXXX again withdrew money from my account at XXXX Bank on XXXX XXXX. My question is who will pay me {$100.00} for the " insufficient funds in my account, '' XXXX told me that this will make the XXXX Bank. When I was in the branch of XXXX Bank, they told me that it is the fault of XXXX, and they owe me the money back. 
I ask your help in this matter. 
Thank you. 
Sincerely. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  .

On XX/XX/XXXX, XXXX 'XXXX  XXXX XXXX add a hard inquiriy on my credit report per XXXX.
Product: Checking or savings account

I have had a XXXX Savings Account with Capital One XXXX XXXX since approximately XX/XX/XXXX with a 0.5 % APY. Since the Federal Reserve System increased interest rates around XXXX, Capital One XXXX XXXX established their XXXX XXXX  XXXX accounts, which they did not inform existing customers about this product. The new savings account has a 3.8 % APY which is much higher than my existing account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and contidentiality under 15 USC 1681. 
Account names/Account Dates Reported : 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 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 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 XXXX XXXX has violated my 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 antedates the report by more than seven years 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In the past, I had a debt with  XXXX   XXXX . However, in   XXXX  ,  XXXX   XXXX  issued me a 1099 forgiveness of debt form. I had to count th is 1099 as i ncome and pay taxes on it in my   XXXX   tax return. Despite that, the collection agency that is reporting this account to   XXXX   continues to list that I have an outstanding balance of {$7600.00}. They should be reporting the balance at {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a dispute letter that i sent to Experian that details the items on my credit report that i requested a verification on. I made it clear that my request was to validate that the items on my report were in fact true. It is my belief that the items detailed in the letter did not recieve the proper attention by the letter of the law.
Product: Credit reporting or other personal consumer reports

I have been doing qoutes on home and auto insurance. There is now a XXXX XXXX DOB XX/XX/XXXX that shows at my address. First time in 20 years we have lived here. Just me and Im XXXX XXXX XXXX. 

Our insurance person said they get this data from Lexis Nexis. Checked with Colorado XXXX XXXX XXXXno one has Colorado license in my same name at this address. 

I did on-line explanation to Lexis Nexis and spoke to their represenative by phone XX/XX/XXXX. Opted not freeze their data on me becasue trying get cheaper insurance qoutes. 

Gosh diffcult to understand individual on phone. Pleasant but sound very poor. 
Something about auto Quality insurance adding to their files. And I left assuming link to my data to review. 

Not sure if getting data by mail. I assumed a link would be sent to my email-that has not happened-very bad phone connection!! 

Why do not these groups check beforehand. My current insurance company dropped the mystery young XXXX who somebody added. Other insurance companies also remove in provding qoutes.
Product: Debt collection

On today, XXXX XXXX I received a credit alert regarding a collection. I thought it was a utility company, but when I called the number it is a collection agency stating I owe {$280.00} to XXXX on an account opened in XXXX, and paid until XX/XX/XXXX. I informed the agent, I have not ever had comcast. She asked me to verify last 4 of my social. I asked her if she could see the name on the account, and she states there is no name, only last 4 of social, which do indeed match my SSN. She asked was I aware of the service address and I stated yes. I lived there from XXXX to XXXX through a company called invitation homes. I relocated to XXXX, GA in XXXX, and then to XXXX CA in XXXX. She went to verify my new address and stated it was XXXX XXXX XXXX, I informed her that is not correct.. she has no records of my current address or prior address. She also tried to verify an email, stating it was XXXX I informed her this is also not my email. My email is XXXX I have no knowledge of this account, which has now reported to my credit report as a collection from XX/XX/XXXX, when she states the account was from XXXX, 6 years ago. I informed her, I have never received any type of notice regarding an account with XXXX or a debt owed. She has mailed me a fraud packet to complete. I informed her that this account is now showing on my credit report as a collection and how am I to get this inaccuracy removed. In addition to whoever owes this debt, the debt is from XXXX, it is now XXXX. She states they will have to reach out to comcast. I called XXXX today and spoke with agent named XXXX. She does not show any accounts under my name.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a credit card account with Capital One. I made a minimum payment of XXXX and was told my account would remain restricted although this amount according to Capital One made the account current. I was informed by XXXX ID # XXXX that the account will remain restricted for 3 months and I was enrolled in a program to monitor my progress with making payments for the next 3 months. Capital One never made me aware that once you bring your account current that you would still be restricted from using the account. XXXX was very rude, refused to escalate my call and refused to give me information on how to escalate my complaint. My account is in good standing but is still restricted. There is nothing in any correspondence sent from Capital One that informed me of this program. I never agreed to be enrolled in the program after the payment was made. I would like for my account to be unrestricted for use immediately. I have credit available but they are denying me access.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a recent inquiry about my credit report I noticed that the information on my account was inaccurate, invalidated, and that the agencies were not reporting with 100 % accuracy. This has caused me to have XXXX XXXXXXXX and is affecting my mental well being. 

XXXXXXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in Transunion, XXXX, and XXXX. XXXX XXXX is the date account opened which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Transunion report ( XX/XX/XXXX ). Second Flaw is the number of terms reported on the account which differs from the Transunion and XXXX ( XXXX ) from the XXXX report ( XXXX ). Third Flaw is the payment status report which differs from Transunion and XXXX ( Late 120 Days ) from XXXX ( Late 150 Days ). Fourth Flaw reported was the date of last payment reported which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). The fifth flaw is the date last active which differs from all three credit agencies Transunion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). The last and final flaw is the date of last payment which differs from Transunion and XXXX ( XX/XX/XXXX ) from XXXX ( XX/XX/XXXX ). 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have tried to communicate to the companies involved through the BBB otherwise known as the Better Business Bureau and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects my mental health, sanity, and well being.

I demand this account be removed off my credit report due to the laws stated above for the inaccuracies, misrepresentation, and questionable items on this credit account.
Product: Bank account or service

I am requesting information about the fines against Wells Fargo. My father had a retirement account at Wells Fargo in XXXX, Ca. However when he retired and went to access one of his accounts he was told that his account had been closed and his funds had been transferred to a different type of account. As a result of the money being " moved '' he had no funds left to him. My father had not authorized any such access, transfer or new account. He filed a police report but that was the end of it. He was unable to recoup his money. 

In light of the new information, I would like to know if there is a group or organization he could meet with about his previous Wells Fargo accounts.
Product: Credit reporting or other personal consumer reports

Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The following accounts are the result of identity theft and should be blocked, 1 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$8500.00} This account is not mine. 2 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : $ {$1200.00} This account is not mine. 3 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$10000.00} This account is not mine. 4 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$13000.00} This account is not mine. 5 ) The following fraudulent account must be removed from my credit report. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Fraudulent balance : {$20000.00} This account is not mine. 6 ) The following fraudulent account must be removed from my credit report. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX This account is not mine. Fraudulent balance : {$10000.00} 7 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent balance : {$24000.00} This account is not mine The following accounts are the result of identity theft and were opened without my authorization. I do not understand how this accounts can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions in my name. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove this inaccurate and fraudulent accounts from my credit report as required by the Fair Credit Reporting Act. I do not consent to any e-oscar, or any other means of automated verification.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX & XXXX # XXXX, have violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally report a persistent issue I have encountered with XXXX XXXX XXXX regarding the inaccurate reporting of information related to a fraudulent auto loan under my name. Since XXXX, XXXX XXXX XXXX has continuously reported false information to the credit bureaus, causing significant harm to my credit profile. 

Despite providing them with documentation proving that I was a victim of fraud, XXXX XXXX XXXX has failed to correct their records. Instead, they have re-reported this inaccurate information consistently for over

seven years, which I believe violates the Fair Credit Reporting Act. The damages I have incurred due to this ongoing issue exceed {$15000.00}, both in financial losses and emotional distress. I am requesting that the CFPB intervene to ensure that XXXX XXXX XXXX removes all fraudulent reporting associated with my account. Additionally, I urge the Bureau to consider imposing a fine on XXXX XXXX XXXX for the harm caused by their negligence and failure to rectify this matter. 

I appreciate your attention to this urgent issue and look forward to your prompt response.