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

Today there were hard inquiries on my credit from : XXXX XXXX XXXX ( twice ) XXXX/XXXX I have not applied for credit and these are fraudulent In XXXX I did receive a letter from the State of Ohio informing me that they were not going to try to collect overpayment on my unemployment. That letter had no contact information and I have never lived in Ohio. 

I also received two XXXX forms for people who had applied for Unemployment benefits against my XXXX XXXX in Arizona. I did inform Arizona that the XXXX  is a subchapter XXXX and I am the only person ever to receive income from it. They were advised that any other claims against XXXX XXXX XXXX XXXX, XXXX, XXXX were fraudulent.
Product: Mortgage

Wells Fargo fraudulently " forced-placed '' flood insurance on my personal residence resulting in my having to pay thousands of dollars unnecessarily. The living area of the home is NOT in the floodplain, in fact is XXXX feet above the contour line of FEMA 's " approximated '' flood map. Having complained multiple times to branch managers and regional directors, I was told only " to have FEMA change their map ''. 
Riiiight. FEMA, really? As an engineer, I actually tracked down the paperwork to do so. Onerous is a massive understatement. It would have cost many thousands of dollars to prove a point easily observed by the topo map of my house ( which I do have ) then comparing the topo with the FEMA flood contour map. Wells Fargo LOST a class action suit related to forced-placed insurance recently. I chose not to participate since I intend to file suit myself if they refuse to refund every dime paid for flood insurance at XXXX XXXX XXXX XXXX in XXXX, Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a report that a loan company that I have open with checked my credit and did a hard inquiry without my knowledge or my consent. I try to dispute it with XXXX but they are saying its valid which in fact it is not. I reported this to them twice and they keep denying my dispute. Creditors checked my credit to see if I wanted to renew my loan and I never told them yes or even spoke to them on the phone to check my credit.
Product: Credit reporting or other personal consumer reports

Experian Finnishing the day as it started with another ridiculous lie about STILL WORKING ON THE ISSUE AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Bank account or service

XXXX XXXX, 2016, I deposited via ATM a Cashier 's Check from a local bank to my Bank of America checking account. I received a receipt allowing immediate access to {$200.00} and the balance held pending posting of the deposit. I then paid expenses within the limit from the checking account. Those payments were honored by the bank. Much later that evening, BOA then placed a hold on the entire amount of the Cashier 's Check for 10 days, thus reversing the honored items and charging overdraft fees. As required by their policy, they gave no notice of doing so until XXXX on XXXX XXXX, 2016. The bank was closed on XXXX/XXXX/16. I went to the nearest branch on the morning of XX/XX/2016 and met with a banking officer to be told they may have felt the " Cashier 's Check '' may have been dishonored by the issuing bank. There was nothing they could do until he could call the issuing bank to confirm they will honor the " Cashier 's Check ''. Then on XXXX XXXX, 2016 at XXXX I received an e-mail from BOA providing a link to their notice of a hold being placed on the entire amount of the " Cashier 's Check ''. That link connected to a letter dated XXXX XXXX, 2016 to me the reason for the hold, " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' My account remains " overdrawn '' and no funds available to me for medical and living expense. My wife and I, both over XXXX, exist on our Social Security payments and BOA has inflicted severe stress upon us.
Product: Debt collection

I received notification from my employer on Friday XX/XX/XXXX that a company was going to garnish my wages. According to the law I have 20 days to dispute, and yet my wages were garnished today. Prior to the notice my employer sent I was not aware of any lawsuit, The court has on record that I did not receive any issued judgements. This debt originated 10 years ago to help pay for my XXXX it went into default in XXXX, and does not even appear on my credit report. I am also the only wage earner in my household and can not financially support my family if my wages are garnished. I immediately sent the attorney suing me a letter explaining my financial situation, a copy of the court documents that I did not receive any judgments, and a request to stop this due to the Florida statues of limitations as advised by all three credit bureaus this was sent via XXXX priority mail on Tuesday XX/XX/XXXX within the 20 days I was allowed. At this time I can not pay my rent or electric bill and we care for my XXXX XXXX XXXX grandmother who has advanced XXXX XXXX XXXX
Product: Credit card or prepaid card

Account reporting incorrectly, as XXXX  XXXX bankruptcy was filed and discharged in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan opened at XXXX XXXX XXXX  on XX/XX/XXXX Account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I mailed a letter to Paramount Recovery System requesting validation of an alleged debt in the amount of {$1400.00} on XX/XX/year>. As of today, I have not received any response from the company addressing my debt validation request.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX # : XXXX Balance : {$7800.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

I have disputed with this creditor XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and perform an investigation. The creditor has illegally reaged my date late active from XX/XX/XXXX to XX/XX/XXXX. XXXX is missing date last active and is unverifiable. XXXX failed to do update my account and do a proper investigation.the creditor Last reported on my account XX/XX/XXXX even though my I sent my dispute XX/XX/XXXX. Todays date XX/XX/XXXX I have not received a update of a Re investigation from this creditor
Product: Debt collection

I sent a verification request to collection agency and they responded by saying that by law they didnt have to validate the alleged debt. Also the document that they sent me says that I owe {$0.00}
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account [ account number XXXX ] that was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Product: Credit reporting

credit history has hit because of wrong attempt to collect debt which is not mine. please help to remove this from credit history.
Product: Mortgage

CAPTOL 1 TRANFERREDMY LOAN TO XXXX XXXX. THEY INITIAED THE TRANSFER. CHARGED ME {$5500.00} AND XXXX XXXX  CHARGED me XXXX dollars to close the loan I did not request
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bureau Name : XXXX XXXX XXXX XXXX, Experian Bureau Address : Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 
Please remove the following items from my credit, please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX XXXX I sent a payment to XXXX for the amount of {$440.00}. XXXX indicates that said payment has not been received. It appears debited from the account on the account statement. After several calls to XXXX and visits to the bank ( XXXX ) for almost a year, this situation has not been resolved. My husband and I are emotionally ill due to this incident. The debits after that were with the available balance, meaning that we did not use it. 

I filed a complaint through the CFPB of the United States, sending the account statement and a letter from the bank as evidence, and XXXX still indicates that they have not received the money. XXXX account was closed because of this. 

The checking account number was - XXXX. In my name and in the name of my husband XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; AR XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Mortgage

They call and leave voice messages about 4 to 5 times a day, it's really annoying! I never filled anything out for them to contact me! Your web site said not to interact with them.
Product: Credit card

On XX/XX/year> I was online looking at XXXX XXXX XXXX XXXX. I happened upon a website that sold them and I was trying to discover the cost of them because none was listed, the next step was to provide my credit card number. I thought that I would be brought to a checkout that I could decline if needed. I was never brought to a checkout and thought that nothing even went through since I received no email or any other information as to an order proceeding. I got a notification from capital one to approve the charge and I said no because my card was charged without my permission. I called the next day and was told that since I provided my number it would proceed and to call the merchant. I saw the charge of {$230.00} and {$79.00} and called the merchant on XX/XX/year> because I had not verified anything and I had never seen the cost. I was told the order could not be cancelled and could not be returned. I said there was no order because I authorized nothing and in fact, would not have authorized that purchase. This was when I filed a dispute with Capital One. In the coming weeks I did receive items and did not open them and would be happy to send them back. 

The charge showed from a place called XXXX XXXX XXXX which I cant even locate online and the number that capital one provided for me doesnt even identify themselves. Clearly a legitimate company doesnt require a credit card to just view the items cost and then processing it without authorization. I think that Capital One did not protect me when I knew it was an unauthorized charge. They only heard the part that it wasnt a purchase from a stolen card but that didnt mean that it was not used fraudulently. I asked for a new card because in my research I saw other complaints that they will also sign you up for a subscription and that request was granted. Capital one said they closed out my dispute because I did not send any documentation and I responded that I have none, no email, no packing slip, nothing that identifies this order and that I authorized it. They have not responded. I think that this situation required further investigation into my complaint since it had extenuating circumstances and should not have been dismissed. If only they had denied the charge as I requested nothing further could have happened.
Product: Credit card or prepaid card

Synchrony Bank with Discount Tires had an unknown individual make a fraudulent payment on my account showing a zero balance that I did not place using their automative system meaning someone has access to my account I did not make the phone payment myself or anyone else who is authorized to use my account did not make this payment either. The reason why this is an issue is because I have a promotional offer that waves interest for a certain time period and I do not want to lose this promotion. 

My initial call, the customer service representative had me on hold for 33 minutes refusing to transfer me to a manager or the fraud department while already being aware my account had been compromised. I used another phone I had in my house and was able to get the fraud department within 3 minutes. The fraud department wanted to then send me back over to customer service even though I told them I did not make the payment and someone is playing with my account. The proper steps for Synchrony to do was to cancel my account and to provide me with a new account number and card but instead nothing is being done on their side. Their fraud department and customer service representatives need to be trained better as this could really cause issues to individuals livelihood during a precedent time like this. I find how they handled this matter un-acceptable and if they are not able to trace who places calls on their automative system... why do they have one? Please investigate this company.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. I started send in Dispute letters to the Credit Bureaus on XX/XX/2022 until XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, the Credit Bureaus seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that the Credit Bureaus investigate and verify the accuracy of the items I am disputing by providing me with documents which bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding then investigation and the documents I have been requesting, but after a time of waiting, the Credit Bureaus sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothin to correct my Credit File. Now, I am submitting this complaint to urge the Credit Bureaus to remove the disputed items with or without proper investigation since the time allotted for the Credit Bureaus to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Not my account. Ask XXXX to send me a letter of verification but have never received one. My ssn is being compromised and is on the dark web according to XXXX. Someone else has my info. XXXX has not provided me with a verification letter as of today.
Product: Checking or savings account

Timeline of Events : XX/XX/year> : I was approved for a new credit card through NFCU. I have been a longstanding NFCU customer with both personal and business accounts. 

XX/XX/year> : I received an email notification stating that my accounts, including my business account, had been frozen. 

XX/XX/year> : I contacted NFCU to understand the reason behind the freeze. I was informed that the action was related to my wife applying for a card under her separate account multiple times, which was due to issues with her XXXX account being locked. 

The representative explained that the freeze was because my wife was listed on " most '' of my accounts. However, my business account, credit card, and loan accounts are solely in my name and are not connected to her. 
Actions Taken by Me : I provided all requested information regarding the maintenance and deposits of my account. 
I made multiple calls to NFCU to request clear communication regarding the reason for the freeze. Unfortunately, the only explanation provided was a vague reference to " lack of relevant information. '' Despite my cooperation, I was informed that the account freeze was related to how the account was maintained. I responded by submitting evidence of deposits and financial activity. 

Impact on My Financial Activities : NFCU has frozen both my personal and business accounts, revoked my online access, and prevented me from viewing account balances or making payments. 
As a result, I have been unable to pay my NFCU credit card or loan online, leading to accrued late fees. 
My business operations have also been disrupted, as I can not access funds or manage transactions effectively. 

Efforts to Resolve the Issue : I have consistently reached out to NFCU for clarity and resolution. I have provided all requested documentation and communicated my willingness to cooperate further. 
Attached to this communication is an email chain documenting my repeated attempts to resolve the issue, with no clear resolution or rationale provided by NFCU.
Product: Credit reporting or other personal consumer reports

I have asked for this report for almost 2 years. I have reached out to you for assistance in getting this matter resolved and you have not help me to get this matter resolved. I am still trying yo figure out why I can not see my Equifax scores and why haven't Equifax send me a copy of my credit report. I have asked them for this several times for over a year. Why haven't your company investigated this matter. It seems as if Equifax is intentionally trying to sabotage by not allowing me to view my report an scores. I'm asking your agency for help to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was ran without my knowledge or consent.