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

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$490.00}, {$6600.00}, {$14000.00}, {$290.00}, {$65000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$490.00} -This is not my account. 

3. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$65000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keep reporting My account with XXXX XXXX XXXX XXXX as 30 days late in XXXX of XXXX. In XXXX of XXXX, the company contacted XXXX  and Equifax to correct the error as i was not thirty days late. Equifax corrected the error then just recently reported again as thirty days late in XX/XX/XXXX. As a result my score has dropped from them re-reporting this error.
Product: Credit reporting or other personal consumer reports

A loan was taken out by an ex spouse. The ex spouse listed my information as a co-signer. 

We were divorced and part of the final decree was that she be solely responsible for the debt. 

I contacted the loan servicer ( XXXX ) and was given an email to forward the final decree to so that they could remove me as a cosigner. I emailed them on XX/XX/XXXX to have them remove my name as cosigner on the loan. They never responded and I have emailed them on XX/XX/2010, and XXXX with no response whatsoever received from them. 

I have also submitted a dispute to all three credit bureaus to have my name removed. They have " disagreed '' with the Judge 's final court orders according to the credit bureaus.
Product: Debt collection

The company New Century Financial Services have been calling myself multiple times daily for the past 6+ months. As well as having lawyers contact me on their behalf. They have also called family members phone numbers and contacted former addresses. Recently, they have threatened to take me to court. They have also sent a letter saying they put in an application for wage execution. I have been receiving false letters with a false docket number. Some letters going back to 2010, which is proof this is past the statue of limitations in the state of NJ. The people who call also are rude, hang up on me if I ask questions, and have been harassing me constantly. No matter how many numbers I block they continue to call, sometimes until XXXX.
Product: Credit reporting or other personal consumer reports

Ive continued to raise concern with USAA reporting of XXXX old derogatory trade on my reports. 

The information is inconsistent across reports and date of delinquency isnt aligned. This account should be removed. 

There also continues to be report of late pay each month though the account has long been charged off
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts XXXX XXXX XXXX XXXX XXXX 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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} ; 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 card or prepaid card

applied for card and denied me because my tax return didn't have my current address on it
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is. XXXX, XXXX  and Equifax are report inaccurate information on my credit report, which is affecting my ability to get approved a home. I have tried to fix this issue and have wrote them several times alerting this of the inaccurate and the violations that they are making to my credit report.
Product: Debt collection

I recently received this letter from this company informing me that I owe them money, to my knowledge this company has never provided me a service and neither have I entered into a contact with them to pay them for said services
Product: Credit reporting or other personal consumer reports

I am writing to formally request validation of the debt referenced on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The original creditor 's name and address. The amount of the debt. The account number associated with this debt. A copy of the assignment contract that demonstrates your legal right to collect this debt on behalf of the original creditor. Any documentation that verifies the debt 's validity, including the date of default. Until I receive this information, I kindly request that all collection activities cease. Thank you for your prompt attention to this request. I look forward to your response.
Product: Bank account or service

I have been trying all day to set up an account with b of a on XXXX XXXX in an XXXX XXXX. I am moving from XXXX to XXXX soon. I spoke with XXXX at the branch who said he could handle it. Then said he had to wait til friday. Then I had my bank manager here in XXXX call him to work with him to set up account and wire money. he said i could go on line - but he was busy. We tried that for hours. No one at B of A knew how to do it even though they offer it. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance.No one at B of A knew how to work the computer or knew the procedure. I asked if they wanted XXXX to call them and show them how. The entire staff including managers was incompetent. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it. We tried that for hours. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance. No one at B of A knew how to work the computer or due the procedure. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reported a fraudulent application was submitted in my name to Capitol One and is reporting on my credit. They initiated an investigation at that time. 

Finally on XX/XX/XXXX, after I'd initiated several calls to inquire about the status of their findings, Capitol One confirmed via phone they'd learned of the status 3 days after I'd reported it failing to send any written communication. This is unacceptable. I am demanding a general letter from them confirming the application was indeed fraudulent as they failed to communicate a timely status of their findings and that I did report this to them. They are refusing to provide a general and formal letter confirming the application was fraudulent and they have closed their investigation. I am demanding they provide such general written communication in order to file an accurate police report with my local police department. They have 7 days to provide me with the written communication and I would like to know what my rights are if they continue to refuse.
Product: Credit card

This has been an ongoing problem that I have tried more than a few times to resolve. 

After being disconnected a few times when their offshore rep tried to transfer my call to a US rep I finally spoke with a live Citi representative. I explained that I had previously paid these charges and should not owe any fees.When I finally reached the live Citi representative and explained the situation late fees were taken off.

However, I just received another bill from City cards with a late fee and a minimum interest charge listed. My statement shows that on XX/XX/year> Citi took a {$16.00} fee as a payment that I authorized just to be done with this hassle. 

As I explained to the US representative t when previously I spoke with him I was not going to use my card again and wanted this cleared up as I have always had an excellent credit score. 

It is it is beyond my comprehension why I am still getting these bills when I explained that I cut the cards up a few months ago after wasting so much time with Citi. I have been sorely disappointed with Citicards service : it is not the only because of the money but my time and frustration trying to resolve this.
Product: Checking or savings account

I have multiple recurring transfers setup in various external accounts requesting money from my Marcus by Goldman Sachs savings. The transactions were successful until recently when Marcus starts to reject these transfer requests SILENTLY. There is no communication from Marcus and no transaction records on Marcus side. I only find out when the requesting banks notified me. There are two such transactions - XX/XX/year> : Transfer request from external account A for XXXX XXXX, rejected due to " Account Frozen '' - XX/XX/year> : Transfer request from external account B for XXXX XXXX rejected due to " Account Frozen '' I have sufficient funds in Marcus, but not able to pull them out. As a result, I was charged rejection fees by the external banks. Based on my research on the internet, this seems to be a result of Marcus ' over sensitive fraud detection system.

I tried to speak to Marcus ' customer support. They were not very helpful. All they said was " we don't have transaction records, you should talk to the external bank instead. '' Given this, I not only got charged with the reject fee now, my future requests could also be at risk. Specifically, future transfer request could be 1 ) silently rejected, 2 ) I won't be able to disburse my funds in time, 3 ) I will get penalized by a rejection fee.
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 confidentiality under 15 USC 1681. 
Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 604 A. Section 2 : states a consumer reporting agency can not furnish a Account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing the following : Adverse item information other than records of conviction of crime that antidotes the report by more than seven years.

15 USC 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: Checking or savings account

On XXXX I deposited a cashier check from my XXXX account into my TD  account. I was not made aware of a hold being placed at the time of deposit as it was a certified check governed under reg cc. 

On XXXX I logged into my online banking and noticed that the check was put on an extended 6  day hold. 

I called into customer service and they said that this was a regular check and they had the right to hold the check for 6 business days. When I informed them that this was a certified check from XXXX and per reg cc on the XXXX XXXX  website item # 7 clearly states they can not legally hold a cashier check for more than 2 business days. Some verbiage around cashiers checks stated that under XXXX  must be made available on the next business day. The rep put me on hold came back said the supervisor put a request in to release but it may or may not happen and the hold would have to stay on for 6 business days. 

I again referenced the XXXX website and provided the specific article number the rep told me I was wrong and that is not TDs policy. I asked to speak to a a supervisor who said the same thing and that TD policy supersedes that. When I stated ive worked as a branch manager for over a decade for a bank and that every bank teaches there associates about the basic rules and regs primarily XXXX XXXX the supervisor XXXX indicated that she was not going to get into legal stuff with me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.

Inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XX/XX/XXXX I began disputing unverified bankruptcy item information on my credit file with Equifax, we've had ongoing correspondence back and forth with little cooperation, they continued to state that the information had been verified but never provided proof. I then disputed the information with XXXX XXXX, the company that sold Equifax the unverified information, XXXX XXXX subsequently removed the item from my credit file and sent me a letter and updated credit report to reflect the changes. I then sent the updated information to Equifax they responded by sending me a letter dated XX/XX/XXXX stating that they were unable to locate a credit file for me, and that I may not have a credit file. They went as far as incorrectly spelling my name in the letter. Equifax and I have been corresponding since XX/XX/XXXX and now when I sent proof that the company that was the source of the inaccurate item on my equifax credit file, they pretend not to know who I was. This company is not committed to accurate and fairness reporting. I have attached the letter from XXXX XXXX as well as the letter from Equifax pretending not to know who I was.
Product: Debt collection

I am unaware of this debt I did not have the opportunity to dispute this information .... I did not receive proper notification... if in fact you believe that you sent me proper notice please send me the certified receipt with my signature on it stating that I received it
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights were violated pursuant to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This complain is for dispute several unauthorized inquiries on my credit report following the Fair Credit Reporting Act, 611 ( 15 U.S.C. 1681i ), ( 609 15 U.S.C. 1681g ) and ( 604 15 U.S.C. 1681b ) I do not recognize this inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have requested XXXX, XXXX XXXX XXXX d/b/a XXXX XXXX Services ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX underwriter to Ally Bank, honor their financial agreement by providing funding to that is owed to me under their auto contract agreement to purchase. 
This GAP Insurance provider was assigned to me by ALLY, when I purchased the vehicle that was involved in a car wreck and totaled out on XX/XX/year>. I dont feel that it is my responsibility to twist their arm to obtain funding that is owed to me. As a consumer, I did not select them to represent me as my GAP Insurance Policy provider, but was instead given NO choice to select a reputable XXXX Insurance Company provider. 
The only reply that ALLY is providing to me is to continue reporting negative information to my credit files and destroy my credit ability to invest in my future by charging me with late payments for a vehicle which I fully covered with my funds that no longer exist. 
I did not select a negligent company as a XXXX Insurance Provider and should not be penalized for their lack of payment. ALLY should continue to contact the XXXX Provider for full payment and not damage my credit ability. 
I have also asked that while this case is in litigation, their negative false information should be removed from my credit files pending resolution. The negative false information that Ally is reporting is damaging my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach I missed the deadline to enroll in the class action lawsuit because I was never notified that my information was breached. Everything was hacked I get spam emails and calls and text messages all the time due to this data breach. 
15 U S C 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( a ) PRIVACY OBLIGATION POLICY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the COVID-19 we contacted our Mortgage Company in  XX/XX/2020 to inquire on what options we may, or may not, have for future payments due to the uncertainty of what was to come with the COVID-19 pandemic. At that time they made us aware that our only option was a Forbearance Plan. Since that plan did not financially make sense to us we decided not to take advantage of this plan. We have not had one late, or missed, payment in the history of this loan. So here we are in XX/XX/2020 and we're trying to make a purchase that requires a Credit Check. At this point we've now been made aware that our credit scores, payment histories, etc. all look great, however there is a Forbearance Plan being held against our Credit and is now inhibiting the transaction. 

We immediately called XXXX on XX/XX/2020 to address this issue and asked for it to be removed. In a very generic conversation, they informed us that this request would be submitted in the next 24 hours, however it would not reflect on our credit scores until XX/XX/2020. We immediately asked for a letter from XXXX to use in the Interim stating that the Forbearance had been removed off the account and was in fact never used. The first 2 responses from that request were, " we don't have anything like that we can do ''. After a 3rd attempt, we were finally able to determine I had to send the request for this letter to " XXXX ''. I've sent 2 emails ( XX/XX/2020 and XX/XX/2020 ) expressing the time sensitive urgency in receiving this letter and I'm not getting anything back except for an automated response " acknowledging '' the email I sent. 

We did NOT approve the Forbearance Plan for our Loan. We did NOT utilize the Forbearance Plan on our loan. So now due to XXXX Bait and Switch tactics based off our proactive inquiry in XX/XX/2020, when the COVID-19 pandemic started hitting hard, this has now affected our ability to move forward with a very important additional purchase that requires a credit check.