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

This is my FURTHER Complaint that I was the victim of XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any ACCOUNTS which were opened without my knowledge, consent, or authority within XXXX business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Mr Cooper made 7 unauthorized charges to my bank account. My account is overdraft by thousands of dollars by this irresponsible company. I still dont have any answers from them. A representative from Mr Cooper hang up on me when I was demanding a answer. Because of Mr Cooper my bank account is below XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I hope this message finds you well. I am reaching out to you again to inform you about a situation I have been facing with my Experian credit report and to request your assistance in resolving this issue. 

On XX/XX/2023, I filed a complaint with the number XXXX, expressing my concern about the sudden drop in my credit score during that month. Upon careful review of my Experian credit report, I noticed that two XXXX credit card accounts were added, which do not belong to me and are not related to my financial history in any way. The names and addresses associated with these accounts do not match mine, leading me to suspect that this may be a case of identity theft or an error in my Experian credit report. 

To support my suspicion, I attached an identity theft report to the complaint I submitted to you. However, to date, Experian has only removed one of the two accounts I reported as unrecognized and not belonging to me. The account that remains on my report is as follows : Account Name : XXXX XXXX Account Number : XXXX Balance : {$10000.00} I am writing to you because this situation is having a negative impact on my financial standing. I am planning to apply for a mortgage loan to purchase my primary residence, and this erroneous information on my Experian report is hindering my ability to secure the loan I need. I would like to emphasize that I have always been financially responsible, and both XXXX and XXXX can verify my history of timely payments and good credit reputation. 

Therefore, I request the removal of this inaccurate account from my Experian credit report. According to the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC Section 1681i, I have the right to request the correction and removal of these errors from my credit report to ensure the accuracy and truthfulness of the information provided by credit reporting agencies. 

That is why I am reaching out to the Consumer Financial Protection Bureau, hoping that you can investigate and mediate in this matter to ensure my credit report is corrected promptly and accurately. I sincerely appreciate your prompt intervention in this matter and your support in ensuring that my credit history is restored with the correct information. 

Enclosed with this letter, you will find copies of relevant documents supporting my complaint, including the identity theft report I submitted. 

Thank you for your attention to this matter, and I trust that, with the assistance of CFPB, a fair and satisfactory resolution will be achieved.
Product: Debt collection

On XX/XX/XXXX I sent a written Notice of Dispute and requested validation of alleged debt to Navy Federal Credit Union. NFCU did not perform as I requested and continued to attempt collection of said alleged debt. On XX/XX/XXXX, NFCU filed a lawsuit with State of North Carolina in XXXX XXXX via XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

there is a hard inquiry on my report from a company called barclays bank delaware that i have never applied for credit or never heard of this item should be removed ASAP and there is something wrong when i try to sign in to file a dispute all the information on the page is all wrong i'v never had any of them accounts and it wo n't let me log in i want this fixed please it 's ALL THE WRONG INFORMATION ABOUT MY MY PAST
Product: Credit reporting or other personal consumer reports

I am writing to WELLS FARGO CARD SER follow up on a previous complaint regarding fraudulent and unauthorized hard inquiries that continue to appear on my credit report. Despite my prior communication, it seems that no action has been taken to address this alarming issue. These unauthorized inquiries remain unresolved, causing significant harm to my credit reputation and ongoing distress. As detailed in my Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, I have never authorized the companies responsible for these hard inquiries to access my credit report. These inquiries were made without my consent or knowledge, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to ensure that all information included in a consumers credit report is accurate and authorized. WELLS FARGO CARD SERs failure to remove these fraudulent inquiries after being notified of their unauthorized nature violates its legal obligations under the FCRA, including the duty to investigate disputes and verify the accuracy of reported information. I respectfully request that WELLS FARGO CARD SER take immediate action by conducting a thorough investigation into the unauthorized hard inquiries identified in my credit file. These inquiries must be promptly removed, as they lack proper authorization. Furthermore, I ask that you provide written confirmation of your findings and detail the corrective actions taken to ensure compliance with the FCRA. Please treat this matter with the urgency it deserves. If WELLS FARGO CARD SER fails to address these inaccuracies within the legally mandated timeframe, I may be forced to escalate the matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies to protect my rights under federal law. Thank you for your attention to this serious issue. I trust that WELLS FARGO CARD SER will fulfill its obligations under the FCRA and take the necessary steps to resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems, Inc. I reporting an invalid debt and illegally re-aging this debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX. XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$4200.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Below is an excerpt of a letter I sent to Bank of America on XXXX/XXXX/16. I got calls from them stating the issue is resolved and then I get dunning calls from them. They are ruining my credit in addition to other problems they have caused.I have answered their questions but still get dunning calls and letters that upset my wife tremendously. 
XXXX RE : Checking Account number : XXXX ( it is my BOA checking account number and the account data is correct as of now ), Please note : While reviewing my account on the website, I noticed a new account, for a credit card, a Visa for XXXX with a balance of about {$8.00}. It is showing as account # XXXX, Neither my wife nor I have ever requested such a card nor have we ever charged a penny on said bogus card, As this issue is causing my wife an incredible amount of consternation, we would appreciate if being cleared up ASAP. 
Many thanks from a 16 year customer, XXXX XXXX
Product: Credit card or prepaid card

Today I've received an email alert from American Express informing me that one of my American Express accounts credit limit has decreased. I've reached the customer service portal to further investigate the reason behind this as all of my AMEX accounts are in good standing. Upon speaking with one of the Representative, who is unhelpful and not to mention not able to answer any of my questions instead, he was reading off a " SCRIPT '' while trying to answering these questions. 

I then requested to speak with a Supervisor after my many attempts of trying to get to the root cause of WHY AMEX REDUCED MY CREDIT LINE LIMIT WHEN ALL OF MY ACCOUNTS WITH AMEX IS IN GOOD STANDING ( I NEVER CARRY A BALANCE ON THESE ACCOUNTS AND EVERYTHING IS PAID IN FULL AND ON TIME. ) Well, perhaps, the Supervisor is just as helpless as the Representative. One of the reasons that the Supervisor mentioned to me as to why AMEX decreased my credit line limit was due to their routine credit profile review on my profile. And recently, my score have dropped due to a few reasons, BUT this is RECENTLY! Recently, there seem to be a lot of new inquiries on my credit report and also my debt to income ratio to seem to be a bit high and due to those reasons, AMEX decided to take precautious by decreasing their " RISK '' of taking on a customer like myself. The Supervisor offered to proceed with TRYING TO HELP me by filing for reconsideration on my account so that I can get back my " {$1600.00} '' credit line limit that AMEX reduced to {$800.00} ''. During the filing process, the Supervisor asked me for my income info, then my asset info and so on. Right when I thought the process was finished, the Supervisor responded by saying, " I am going to send you an email  along with a list of documentation that you have to submit as proof '' in order for us to reconsider your credit line limit. You will have to provide us with either one of these proofs, indicating your income and asset balance, given what you provided over the phone is TRUE. '' Are you serious? Why would I go through the trouble by submitting all of my PERSONAL income and asset information for a credit line of {$800.00} or should I say {$1600.00}. I've mentioned to the Supervisor that he can clearly see on my credit report that it shows I have two mortgages with two different private lenders for two properties, that alone exceeded {$1.00} XXXX dollars, now if I have to submit proof for my 401k and checking/saving accounts, that is absurd! Not to mention, while my other credit creditors who offer me higher credit line limits ( $ XXXX, $ XXXX and so on ) did not even bother to reduce my credit line limit when my credit scores dropped a few points. 

It's very shocking to find out who these creditors are only in the business to make money off of the consumers with their RIDICULOUS and ABSURD poor customer service. It is unfortunate that I can't ( well I can, but it will impact my credit score ) to close all my accounts with AMEX ....
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$7600.00} XX/XX/year> 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased to XXXX XXXX XXXX, one for {$200.00} and the other for {$250.00} from XXXXXXXX XXXX on XXXX XXXX XXXX. On XX/XX/XXXX I gifted the cards. I received notification that the cards were not loaded, however I have the orignal receipt and the proof of activation. When the cards were purchased the funds were loaded to an unknown card and not the cards I physically walked out of the store with. I went to the store and they said to call the XXXX. I called XXXX and they said the cards were never loaded go back to the store. I have went back and fourth from store to XXXX on the following dates below and filed a claim XXXX with XXXX XXXX on XX/XX/2022. On XX/XX/2022, XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022, XXXX, XX/XX/2022. I have faxed documents five times with proof of transmittal and mailed hard copies twice. I get a new CSR everytime I call and have to start the investigation all over again. Nobody will take responsibilty or help me resolve. I paid XXXX XXXX and did not receive my purchase? Please help me.
Product: Debt or credit management

NCB management was supposed to send a debt valuation paper and I never received it
Product: Checking or savings account

*cough* Yesterday, XX/XX/2019, I had a balance of {$8.00} in my checking account. I meticulously monitor my account daily. Today, my balance was XXXX. I scrolled back to see where the negative amount began and it goes further then XXXX. It shows I've been in the negative at the end of the last three months. But I have bank statements showing that I was in the XXXX at the close of each month. If this is not resolved immediately, they may be hearing from my lawyer. 
Thanks and XXXX Bless!
Product: Credit reporting or other personal consumer reports

I have previously disputed this item XXXX  XXXX Bankruptcy US BKPT XXXX XXXX   XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear that they do not report to you or to any credit bureau for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA Section 611 15 USC Section 1681 and the information must be deleted immediately. ''
Product: Debt collection

On XX/XX/XXXX I tried opening a new checking and savings account with XXXX XXXX XXXX and was denied due to overdraft fee 's in the amount of {$460.00} at Key Bank back on XX/XX/XXXX. At this point in time I had my identity stolen and had to dispute an account being opened using my identity with XXXX earlier this year. The bank sided with me and stated that I was a victim of identity theft and therefore was not responsible for the amount owed on that account. I have never been a member with Key Bank and believe this has to do with the same person that stole my identity.
Product: Credit reporting or other personal consumer reports

My investigation has been going on since XX/XX/2024. I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with records of who you spoke with, their business address, name and phone number. As well as documentation that proves that this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act AD XXXX XXXX XXXX Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I became unemployed due to covid-19, I have notified Citibank ( 2 accounts ) of my employment status. Each month I keep them abreast of my status. On XX/XX/2020 I received a letter stating Citibank would work with me however that's not what's been happening. On XX/XX/XXXX, I spoke with XXXX regarding deferring my account payment due to covid-19. The company wants to be notified monthly for deferment. Yesterday Monday XX/XX/XXXX, I received notification from the credit monitoring company ( XXXX XXXX ) Citibank is still reporting my account delinquent even during deferment. Citibank has done this several times in the past.  Today, XX/XX/2020 I called Citibank regarding reporting my account for delinquency during deferment. I wanted to see what can do to reduce my payment of the two accounts by consolidating the accounts into one payment and see what I can contribute to help  bring down my balance. While talking to a representative name XXXX I asked to speak with a supervisor. After 10 minutes waiting on hold, she hung up on me. Every time Citibank does this it destroys my credit score. I am a single mother barely making t with XXXX children and XXXX XXXX from this situation. I need Citibank to help me during these stressful time and not make my situation worse than it already is.
Product: Credit reporting or other personal consumer reports

EVERYTIME I WOKE UP IN THE MORNING, THESE INACCURATE REMARKS ARE STILL IN MY ACCOUNTS AND REPORT. THESE FALSE AND SHOULD BE UPDATED. 
I WAS NEVER LATE IN TERMS OF PAYMENT.
Product: Debt collection

calls every business day with an automated method saying they are trying to reach someone in out company about a debt. This company has no debts in collection, so I simply XXXX the name and then the number XXXX, XXXX and XXXX. You can see how many others have had this same treatment. This is a scam, I am sure people think there companies must owe some money and probably give them money for nothing. This probably should also go to the Dept. of Justice. Please investigate this
Product: Credit card

Im wanting these inquires deleted, I didnt authorize these companies to run my credit, its fraudulent.
Product: Money transfer, virtual currency, or money service

I had an IRA account at Bank of America and requested that the IRA be transferred to my XXXX XXXX in North Carolina. Bank of America sent a check to my credit union for the incorrect amount. My statement as of the end of XXXX shows a balance of {$6800.00}. The check they sent was for {$6700.00}. 
I called customer service at Bank of America and was told they charge {$50.00} to transfer money to another financial institution. I asked why and they told me when I signed up, I was told there would be a {$50.00} charge?? This IRA was opened sometime in the 1980 's at a branch in MIchigan. There was never any communication about a {$50.00} charge if I ever wanted to transfer the money to a different financial institution. 
Basically, Bank of AMerica is stealing {$50.00} from me.