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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity Theft! l Please delete these items IMMEDIATELY!

These accounts should not be fumished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 1 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT, IS IDENTITY THEFT. As a consumer, I am demanding the deletion of accounts listed IMMEDIATELY! 

I have attached my Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} Medical XXXX Balance XXXX {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

We previously resided in XXXX XXXX XXXX Florida XXXX. 
We moved to California in XX/XX/2023. We used to have Progressive Home and Auto insurance in Florida. Shortly after moving to CA we asked Progressive to transfer our insurance to CA state. But they said they couldn't cover the type of insurance that we needed in CA. So we canceled with Progressive and moved our business to XXXX. 

I called progressive since it was half way through the month and spoke with XXXX XXXX. Since Progressive sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with progressive and they said there was a premium amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by Progressive. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.
Product: Checking or savings account

My sons attend college in another city and their mother and I pay their rent by making deposits into their checking account, which they then use to pay their rent. Their bank is Wells Fargo, and the last time I went to deposit a personal check into their account the Teller informed me that I needed to have my son endorse the back of the check. It 's only been one Wells Fargo location that has this endorsement requirement. Through persistence, the Teller agreed to deposit my personal check into my son 's checking account. I called that location to validate and clarify for future reference and they informed me that Wells Fargo is now requiring the back of the check be endorsed by my son. The amount of the check is {$700.00} and is drawn on a local bank. This method has worked well for the past 2 1/2 years. I can search for alternate means of depositing money into their account, but my depositing a personal check into their account has many advantages for me. My questions are what prompted this change or tightening of endorsement requirements and does this violate any banking regulations?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a letter to use my credit card or it will be cancel. I charged a small amount to the card. The problem is that I never received any notification of the bill via email or in the mail because they had the wrong address on this card even those all the other accounts I have with them are correct. I finally saw it when I signed in. I paid it one day shy of 90 days. I have never paid any bill late. I have tried to work this out with them especially since they had a wrong email.
Product: Debt collection

This company has called my number and my husbands ( XXXX ) REPEATEDLY and when I called back, the man hung up on me TWICE AND THEN REFUSED TO TAKE MY CALL TO ANSWER MY QUESTION.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Debt collection

Halstead FinanciaXXXX was not allow to text or call my cell phone for an account I have with their office. I told the rep XX/XX/2022 I don't give Halstead financial permission to text or call my phone. This company is sending me text messages. I didn't consent for Halstead to reach out to me via text.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted which IS attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : THOSE ACCOUNTS ARE LISTED IN THE ATTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current car loan which show it being with XXXXXXXX XXXX XXXX on Equifax and XXXX but shows XXXX XXXX XXXXXXXX XXXX on my XXXX  report is being reported late every month on Equifax and XXXX but my payments on time with XXXX. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number XXXX.
Product: Debt collection

A co-worker of mine in a different branch office of the company I work received a call from Kramer Associates asking to verify my whereabouts. I am not familiar with this company at all, but an internet search reveals they are a debt collector. I have had no correspondence with them, so I have no idea what this pertains to or why they would harass my co-workers. If they feel I do have business matter to discuss with them, they should contact me directly and not at my place of business.
Product: Credit reporting or other personal consumer reports

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor.

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Product: Money transfers

I heard about a service made out to be similar but better than pay pal called google wallet. I downloaded the app and transferred XXXX $ in total to g wallet. It took about 3 days to clear in both my checking and google wallet account and when it did google wallet took XXXX $ from my checking account and there was only XXXX on my wallet account. i immediately called google wallet while I was in my bank and informed them the issue and they first claimed it was as bank error. the banker I was Cleary stated it was not and entirely Google 's fault. After about XXXX hours of calls and fighting with google wallet they refunded the XXXX extra dollars they had taken within XXXX hours but not the over draft fee the banker charged me. That was XXXX. the XXXX I actually had transferred went to Google wallet and I sent XXXX to google play with no issues. the remainder I was going to use once my wallet card arrived. I received the card XX/XX/XXXX or XX/XX/XXXX and when I tried to activate it they closed my account and said I would not be able to use the card or google wallet period. So I asked for a refund they emailed me a form which called for my bank info to refund me. today is the XX/XX/XXXX. I 've called daily spoken to at least XXXX supervisors had it escalated to higher departments and the only answer I get is they are looking into it. I have now filled out XXXX refund forms spent hours daily speaking with them and gotten nowhere. Should I seek legal action? Please help that XXXX is a lot of money for me.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from the Pentagon Federal Credit Union stating that on XX/XX/XXXX, an overdraft had posted to my account. I thought this was odd because I am very diligent concerning having enough funds in my checking account to pay any checks that I write. However, I was not home at the time, and withdrew {$140.00} from my share account to pay the overdraft. 

When I returned home, I logged into my accounts at the PenFed Credit Union. I discovered that there were four withdrawals from my checking account. Two for {$100.00} dollars and two for {$99.00} dollars. These transactions were fraudulent withdrawals using my debit card information. I contacted the XXXXenFed security department about these transactions that PenFed Credit Union had allowed to happen. The individual I spoke with recognized right away that the withdrawals appeared to be fraudulent and informed me that my debit card would have to be cancelled and another issued. 

Because of this fraudulent transaction, the XXXX XXXX XXXX, an overdraft system was activated due to the fraudulent activity on my debit card. I called the credit union and inquired about the overdraft fee, and I wanted to know when these funds would be returned to my savings/share account. The {$390.00} was provisionally returned to me pending an investigation. However, a decision on the {$140.00} withdrawal would have to be made later pending the outcome of the investigation. 

I received a notice dated XX/XX/XXXX, stating that the investigation had been completed and the disputed transactions dated XX/XX/XXXX, from XXXX for {$390.00}, and it was determined that I was not responsible. Also, the provisional credit applied during the investigation, if applicable or, the reversal of the disputed transaction amount is now permanent. However, I was still charged for the overdraft fee of {$140.00} which I do not feel I owe. The overdraft was caused by PenFed Credit Union 's negligence when they failed to ensure all transactions to my account were legitimate. The balance in my checking account for {$390.00} was there to cover my account from any overdrafts. 

I am requesting that the {$140.00} which I withdrew from my share/savings account be credited back to my account. I submit that this overdraft fee was not due to any negligence caused by any action on my part, but, was due to the negligence by the PenFed Credit Union.
Product: Debt collection

This Third party Debt collector agency I.C SYSTEM INC has bought my personal information or was given my personal information WITHOUT my consent! I do not owe this company, never had dealings with this company what so ever. This is a violation under the FDCPA as I didnt give permission for XXXX XXXX  to sell my personal information. This is a form of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have been doing and abusing individuals, first of all they allowed for companies to submit false information on my credit report and inquiries that I did not allowed. I am not able to log online to dispute or anything, they are always blocking me to get access to my own credit. This is completely unfair and unjust and these injustices needs to stop once and for all.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I discovered multiple unauthorized inquiries on my credit report. These inquiries were made without my knowledge or consent. Upon noticing this activity, I promptly contacted the companies responsible for the inquiries, as well as the credit reporting agencies, to report the issue. 

After explaining the situation, the companies and credit agencies advised me to file a police report as part of the process to dispute and resolve the fraudulent activity. I have taken steps to protect my credit, including placing fraud alerts on my accounts. However, I need assistance in addressing these unauthorized inquiries and ensuring that my credit report accurately reflects only legitimate activity. 

Please let me know if further details or documentation are required to assist in resolving this matter.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

They keep dropping my score. and it's hurting me to get a vehicle since I have fixed my score I'm still not able to get a car loan. This is out of control. I have friends that have worse credit scores then me and are able to get auto loans and I can't even get one I have even open a business and still can not even get a auto loan and I'm in the high XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself to check the reason why my score was so low. I knew I was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple of items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.
Product: Credit reporting or other personal consumer reports

MAILED ATTACHED LETTERS OUT ON XX/XX/year> PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. 

I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. 
It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. 
I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : 30 : 1 60 : 1 90 : 0, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : Citi XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns of Zelles Handling of disputes, particularly in regard to the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times, and reporting discrepancies, My financial institution and Zelle failed to investigate my claims adequately. They told me recovering loss, funds was impossible and that tracking these transactions is unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect its customers, But has also let repeat on fenders exploit The System, leaving vulnerable users open to scams. This lack of accountability is unacceptable and raises serious concerns about customer, safety, especially a bank system.
Product: Vehicle loan or lease

I recently got married and underwent a name change. I had contacted the company various times to change important info on the account ... because I had change my name and info with the bank I was paying my car loan through. The service department gave me a number to call and it rerouted me to the same department where I got the same answers. I was a victim of identity theft so because I had change my name the bank would not allow automatic payments to process as a safety measure. As I contacted Ally Financial several times I was refused information pertinent to my account. At this time I was high risk. The company stated I needed to fax over documents. I asked if I could upload it to the app so they can update the info onto my account. They refused, after months of failed attempts and failed automatic payments I uploaded it to the account anyway and the info was changed. I offered to get on a payment plan to catch up with payments, the company refused even though it was there fault. My lawyer tried to reach out several times to their legal dept to no avail. My husband and I were in two separate locations at the time and I was waiting for my lease to be up XX/XX/2023. I went to stay with my husband to await the birth of our daughter. They attempted to repossess the car on 3 separate occasions without any cert mail applicable by PA State Law. I offer to pay via phone with debit card instead of ACH and the refused the payment. Ally Financial stated I had to pay via XXXX XXXX or XXXX XXXX. I expressed that in the contract it did not state this method of payment. I requested that the fees associated with be applied to the balance, they company refused. I expressed again that the only way I would pay the balance would be with debit or ACH the company refused payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX  XXXX XXXX
Product: Bank account or service

I submitted an application to deposit {$4000.00} into a 12 month CD with Barclay 's bank. They requested XXXX # ; XXXX bill ; SS card. I sent all except SS card as I was unable to locate it ( I sent Medicare card as it showed SS # ) They then requested a copy of annual SS statement which I sent. They continued to stall for no reason I could understand, requesting SS card even after they asked for and received copy of SS letter. I have since deposited funds into XXXX other cds. I just thought someone should know there is obviously a reason for all the issues Barclay 's bank has been having with federal regulators, I assumed they would be more aware of new customers needs and be more customer conscious. I have emails supporting the above. Thank you for listening.