23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Union Bank closed my account after several times of asessing fees. After I transferred {$20.00} from my savings to checking then XXXX  it elsewhere leaving it empty waiting for maintenance fee to be assessed now they have negatively impacted my credit standing as well as additional fees in my saving account now placed in the negative. After siphoning out of account for ovsr the last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX, XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reports 3 different dates under date of last activity even after their verification, XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX  XXXX is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Product: Mortgage

Im writing this letter with the hope you can intervene and get Wells Fargo to properly review my loan for assistance options. My issues started in XX/XX/2016, when I took a new job that at the time, felt like a huge opportunity. 

But my first paycheck bounced. It was a nightmare! I worked constantly but wasnt able to pay my bills. Things started to pile up. Late fees added up. It didnt seem like there was anything I could do to dig myself out of this hole. I tried my best, but two of my mortgage checks bounced because I was not being paid. Despite working and working, I couldnt depend the checks I was given would go through. I quit and took another job that paid less. 

I contacted the bank, but the only option they gave me was to pay everything. At that point, representatives stopped taking my calls. No one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am in danger of losing my home.
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 name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 if 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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX and Equifax are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 )  appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX ) XXXXBalance : {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX These accounts 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, this item is fraudulent. I never signed any physical or electronic agreement with there institution for a loan. I have written to them and transunionn credit bureau. I have provided sufficient documentation showing the acct id fraud. However, my words seem to fall upon deaf ears. I need this fraud acct to deleted most expeditiously from my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the below accounts have 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Subject Accounts : XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX  : account # XXXX XXXX XXXX XXXX  : account # XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX : account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/19 I exempted by car loan and have made regular payments. XXXX XXXX XXXX has cashed by checks and admits that the payments have been made. However, it reported to the credit bureaus that the loan was discharged. It was not and as the company has accepted by payments, it is illogical to state that the loan has been discharged as I have not defaulted on the loan. If I ever do, then XXXX XXXX XXXX can report the discharge. It can not anticipate a default.
Product: Checking or savings account

On XX/XX/XXXX I discovered that Bank Of America ( BoA ) had been charging me {$25.00} monthly maintenance fee for my checking account since XX/XX/XXXX to present day, for a total of {$75.00}. BoA never notified me they were going to charge this fee. When I called customer service they said " On XX/XX/XXXX BoA made policy changes to all acounts and BoA is not required by Law to communicate these updates to customers. The {$25.00} monthly maintenance fee is mentioned on page 63 of our service agreement ''. Reading through many pages of BoA 's service agreement on a daily basis to see if any changes have occurred is both unreasonable and unfair. BoA also changed my bank statement settings from Paper to Paperless without my knowledge and consent.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS REFUSING TO INITIATE SECURITY FREEZE MY CREDIT REPORT DESPITE MULITPLE REQUESTS OVER 60 DAYS.
Product: Credit reporting

XXXX still not give me any result form my first dispute XXXX XXXX, 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

l 've recently pulled a copy of my credit report and noticed many errors being reported. This inaccurate reporting is causing my family and I to suffer both mentally and physically. I've lost job opportunities, denied reliable transportation and decent housing because of the items that are on my consumer report. 
I've recently taken the time to study the consumer laws under The Fair Credit Reporting Act and now understand that I have a right to accuracy in what the credit agencies report about me. I've contacted the XXXX, Experian and XXXX to notify them of these errors in a dispute letter. 
Experian has responded by saying they will no longer be working on the items I've disputed because they didn't feel as though it was me. This puts them in direct violation of 15 U.S Code 1681s-2 a ( 1 ) a which says : Reporting information with actual knowledge of errors 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. Please resolve your issues with correcting my report within the next 10 days or I will be filing a lawsuit due to this violation.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO : YOUR COMPANY I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY XXXX ). 
You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report. 
YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT. 
607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the INFORMATION concerning the individual about whom the report relates.

According to the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( World FinanceAccount # XXXX )
Product: Credit reporting or other personal consumer reports

MY CONSUMER REPORT IS REPORTING ACCOUNTS THAT ARE INACCURATE, AND UNVERIFIED. THESE ACCOUNTS ALL HAVE DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND INACCURACIES IN THE PAYMENT HISTORY BETWEEN EXPERIAN, XXXX, AND XXXX..THIS IS A VIOLATION OF THE FCRA AND THESE ACCOUNTS MUST BE DLETED IMMEDIATELY FROMM MY CONSUMER REPORT. DELETE THESE ACCOUNTS
Product: Debt collection

I saw my credit bureau and saw negative credit reporting by SWC reference #  XXXX . I calle d SWC SouthWest Credi  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX XXXX  Phone #  XXXX  and asked the agent for legal proof of notifying me of the collections but he did not provide any cerified mail proof of any notification sent to me about this account or collections.   I will report  XXXX  and  SWC  for illegal credit reporting practices and also to the BBB I calle d SWC today dema nding for proof of notification, the agent was very dismissive and put me on a long hold when asked to speak to his Supervisor Please have  XXXX   XXXX  and SWC Remove my account from collections as I had no knowledge of this collection item until I saw a negative credit reporting on my credit bureau accounts on  XXXX  Sincerely,  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX They refuse to remove the erroneous data from XXXX, XXXX and Expierian.
Product: Debt collection

This debt is not mine and I did not authorize this. I am not very happy this is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card and XXXX  XXXX or unauthorized credit on my credit line
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have reached out to these companies regarding documentations and proof of contracts and Nothing has been submitted to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


1. CAVALRY PORTFOLIO SERVICE-XXXX XXXX {$2000.00} ACCT # XXXX XXXX. 
( NOTHING HAS REMOVED OR RESOLVED ) 2.XXXX XXXX-XXXX XXXX {$440.00} ACCT # XXXX XXXX ( NOTHING HAS REMOVED OR RESOLVED ) 3.XXXX XXXX XXXX {$1000.00} ACCT # XXXX XX/XX/2018 ( NOTHING HAS REMOVED OR RESOLVED )
Product: Credit reporting

On XX/XX/XXXX I received a letter from XXXX XXXX stating they have submitted a request to the major credit reporting agencies to delete any delinquency that occurred from XX/XX/XXXX to XX/XX/XXXX. In addition, XXXX also sent me a letter on XX/XX/XXXX stating they have requested the credit bureaus remove the inquiry on my credit profile dated XX/XX/XXXX and I sent the letters to Experian and I 've called a number of times and they are not being helpful in updating and correcting my credit report. Please help me! Thank you in advance.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report that I asked to be removed. There are no open accounts with this inquiries however I did not give permission for my credit to be ran as I had my own financing. I sent a letter to Equifax to remove these inquires on XX/XX/XXXX via XXXX Mail and they sent me a letter removed some items but have not removed the inquires.
Product: Credit card or prepaid card

On XX/XX/22 at approximately XXXXXXXX XXXX EST I applied for a Sofi credit card under the promotion of spend {$1500.00} and earn {$200.00} in Sofi points value. At XXXX XXXX EST I was approved for the card. 

The {$1500.00} in spend was completed by XX/XX/22. 

As of XX/XX/22 the {$200.00} in points have not been credited despite meeting the terms and contacting Sofi multiple times via myriad channels. 

Contacted the company via phone call on XX/XX/XXXX. Via chat on XX/XX/XXXX. Via chat and phone on call on XX/XX/XXXX. Has been no resolution of the issue.
Product: Checking or savings account

XXXX writing to express my personal dissatisfaction with the management of my recent money transfer my ex husband initiated from my XXXX XXXX XXXX account to his capital one 360 account. I believe that the action the bank took in this situation was not only improper and unreasonable, but may also possibly be a breach of banking regulations. On XXXX XX/XX/2023 I had my ex husband link my XXXX XXXX XXXX account to his capital one 360 so he can transfer funds from my account for some expenses, after he linked the account he had to wait 1 to 3 business days to verify the account to capital one which I got two trial deposits in my XXXX XXXX XXXX account and provided the amounts to my ex husband so he can complete the verification process which he did and the verification was successful. On the XXXX XX/XX/2023 he requested to transfer funds from my bank which he scheduled that transfer and I got the charge in my XXXX XXXX XXXX account. Basically capital one debited my bank account with the amount transfer but wont release funds to my ex husband until they take him through another verification process all over again even though they have the funds in their possession. I find this unreasonable because I have been debited for the full amount.
Product: Debt collection

I received a new legal documentation from Midland Credit Management LLC few days ago by mail, not in my home, the letter was delivered to my parents house mailing. 


They sue me trying to collect an old account ( more than 7 years ago ) for the amount of {$1500.00}. 

On XXXX XXXX I received a notification from the court indicating that the the case was closed on XX/XX/2019, this action was after I complete on CFPB a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and have not received a response regarding inaccuracies on my credit report
Product: Credit reporting or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of fraudulent activities. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following items that needs to be remove in my credit file right away : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022. ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fee due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practice are unfair and request an investigation into my account transactions.