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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) .as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Checking or savings account

I am writing to address a concern regarding the overdraft and NSF fees charged to my account over the past XXXX  years. Below is a summary of the fees assessed : XXXX : {$820.00} in overdraft fees and {$58.00} in NSF fees XXXX : {$1000.00} in overdraft fees and {$290.00} in NSF fees XXXX : {$600.00} in overdraft fees and {$170.00} in NSF fees XXXX : {$880.00} in overdraft fees and {$490.00} in NSF fees These fees total a significant amount and, in my view, were improperly charged. Despite maintaining consistent direct deposits and making weekly deposits exceeding {$1000.00} for the past XXXX years consistently, these fees were applied to my account. 

I understand that NFCU was fined by the CFPB and instructed to return such fees to affected consumers. However, I have yet to receive any restitution. I respectfully request that the total amount of these fees be refunded to my checking account promptly. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UD DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted 15 fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit Bureaus on XX/XX/XXXX. I thought I was supposed to get something back from them by now. I've actually sent a second set of disputes to them and none of the credit bureaus have replied to those either. Its been 69 days and nothing. I want to file this complaint so the credit bureaus do their job. I'll give you a copy of the letters to show which accounts I am disputing.
Product: Credit reporting or other personal consumer reports

I am a KNOWN victim of identity theft. I have been dealing with this for over 2 years now. I have summitted the proof and documents to the credit bureaus several times and they just do absolutely nothing about it. XXXX is the worst of the big three but the other two are doing the same thing to me as well. I really need help. I am in the process of trying to buy a home for my daughter and I and I can not, because someone stole my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to dispute a collection account that I did not identity. At the time my credit score was XXXX. They alerted me that the account was removed and lowered my credit score by XXXX points. This decrease in score moved me from GOOD credit to FAIR and there was no additional activity on my report besides the request I submitted to Experian about the collection account. If consumers are to be penalized for disputing incorrect information on our accounts then I really need to understand the rationale for credit score reporting. What happened to me has jeopardized my credit standing and may keep me from having access to additional credit on my existing accounts as well as more favorable interest rates from as I was downgraded from GOOD to FAIR. I ask that the XXXX points deducted from score be restored and a written reason be provided as to why the action was taken in the first place. A collection account was cited as the reason my score was not higher, yet, once addressed and removed my score dropped ... significantly.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the continued presence of fraudulent items on my credit report despite numerous previous attempts to have them removed. These fraudulent entries are severely impacting my creditworthiness, and I urgently request your intervention to address this persistent issue. 

This account was opened fraudulently and is not connected to me in any way. I have reported the identity theft and fraudulent activity related to this account multiple times. The debt is not mine, and I have provided supporting documentation, such as police reports, to substantiate these claims. 


I have reported this fraudulent activity to law enforcement, and it is not my debt. I have provided evidence to support these claims in previous disputes. 

This collection account is a result of fraudulent charges and has no connection to my financial history. I have diligently reported this to the proper authorities and the creditor. Supporting documentation, including police reports and incident reports, has been provided. 

It is disheartening to note that despite my previous disputes and the evidence provided, these fraudulent entries remain on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies take immediate action to investigate and remove inaccuracies in credit reports. 

I respectfully request that you re-evaluate my past disputes and expedite the process to remove these fraudulent items from my credit file. I expect that you will keep me informed of the progress and provide me with a copy of my updated credit report once these inaccuracies are rectified. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX CO XX/XX/2023 XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears I am a victim of identity theft I have completed a ftc identity report and my personal statement is i am i victim off identity theft i dont know how people got ahold of my inforamtion i have no knowledge of these accounts its has been hindering me from advancing in life due to these detegory marks on my credit i need these following accounts removed or expunged out my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the Fair Credit Reporting Act, this company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. If the company can not provide the original signed and dated contract stating that I give permission for any alleged debt to be sold to their debt collection agency also including agreement to repay a third party I request that the account be removed from all of my credit reports including Experian, XXXX, and XXXX.
Product: Debt collection

This corporation is harassing me by attempting to collect an assumed alleged debt ( that is not mine ) constantly reporting on my consumer reports, without my written permission and no consent ... which is classified as identity theft by law. They are violating my rights as I am a federally protected consumer and I have sent many request for this abuse to stop. They are refusing to remove these inaccuracies from my consumer reports since I have requested this to stop as well, many times, more than once since XX/XX/2020. I still believe this is a violation and unfair act that " Credito Real USA finance '' is committing against me.
Product: Money transfer, virtual currency, or money service

Zelle had no message asking to confirm who I was sending money to. I ended up sending money to the wrong person and they would not send it back. I contacted Zelle about this and they said there was nothing that they could do about it.
Product: Checking or savings account

XX/XX/XXXX disaster ... Deposit not avail. Systems physically not available and once again BBT dropping the ball! I've filed a previous complaint and BBT had the nerve to give me an unfavorable review.. Lol! Really so I guess my concerns was petty until today when BBT entire system crashed and the XXXX and XXXX gave BBT the negative business in regarda to fees, deposit processing, and the attitude of branch staff at various locations.. The same concerns I voiced. I understand stuff happens yet as a consumer BBT has a bunch of unbalanced terms and conditions that only favor corporate profits.. Now you ask your members to be patient.. I scoff at that when my balance XXXX make XXXX deposit and BBT return fee me XXXX on a XXXX transaction.. Balance been XXXX since XX/XX/XXXX add XXXX equal XXXX all day long.. I want my XXXX back.
Product: Debt collection

I am writing regarding a recent credit report that indicates a collection reported in XX/XX/year> for a XXXX XXXX account. 
My family operates a small chain of XXXX restaurants, and I manage the technology aspects of our business. In XX/XX/year>, one of our locations experienced an internet outage for several days, which affected our ability to process card payments through our POS systems. To address this issue, I decided to use a XXXX XXXX hot spot device to restore our internet service. The nearest cellular store was XXXX, and I visited there just before closing time. Although initially hesitant due to the late hour, the manager eventually agreed to assist me after I explained the situation. 
I OPENED AND PAID FOR A ONE-TIME PREPAID ACCOUNT FOR A XXXX XXXX XXXX. This allowed us to resume accepting card payments after the outage. However, in XX/XX/year>, I discovered a collection listed on my credit report from XXXX, which negatively impacted my credit score. I believe this charge of {$220.00} is related to the prepaid account I opened in XXXX. I have documentation showing payment to XXXX on that day for {$370.00}. Greater than the amount XXXX claims I own. 
I am planning to apply for a mortgage within the next two years, and I am concerned that the collection on my record may affect my eligibility. It is imperative that I obtain the mortgage as I have a land contract for the house, I currently live in. Failure to secure the mortgage within the specified time frame may result in legal action against me for the full amount of the house and potentially me and my family losing our home. 
I believe this issue does not accurately reflect my creditworthiness or my commitment to fulfilling my financial obligations. Attempts to resolve this matter directly with XXXX have been unsuccessful, as they have transferred my case to a debt collection agency. I believe I am not liable for the debt claimed by XXXX, as it was a one-time prepaid account. 
Thank you for your attention to this matter. I hope XXXX can correct this situation and remove the collection from all three of the major credit bureaus ( XXXX, XXXX, XXXX ) and any other consumer reporting agency they may have In-accurately reported too.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX, Equifax, and XXXX for validation of fraudulent and unverified accounts and I have yet to recieve any response. I have also filed online disputed with proof of identity and still the false items remain on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is failing to comply with FCRA laws for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Spring oaks Capital said I opened up a loan on XX/XX/2021 this is not correct I never opened a account with them ask for paperwork from them never got it because it doesn't exist I have dispute this several times nothing happens it is fraudulent on my credit report and I want it removed.
Product: Credit card

i give the compleint of the bank of america because i have submited several aplications for credit and well reject because litelle information from the credit report y when opened secured credi card upon {$600.00} gave musta must a month i cosed the credit card of card secured by one payment {$500.00} dollrs wich was not doneand have resolved nothing fraude department of the bank of america no resoveld and my debit the charged to my name the account was opened XXXX XXXX XXXX and the BANKAMERICARDwich resolved anything
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX # XXXX XXXX, TX. XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, my Navy Federal Credit Union auto loan matured in XX/XX/year>. In late XXXX or early XXXX, I went back to the mobile app and a notice stating I owed {$600.00} in fees and I that I was 30 days delinquent. This astounded me because it/they never said that I had a balance outside of my recurring loan installments. I nevertheless set up a payment arrangement to pay the money they claim I owed in a timely manner. My account became delinquent 30 days because the agent/employee who set up the initial payment arrangement did it improperly and those payments did not go through, although the money was there. My account became delinquent 60 days after a second agent/employee supposedly redid the payment arrangement, and sure enough, she did it improperly as well. My account was only brought current on XX/XX/year> after a third agent/employee and a member of management eventually recognized the errors done by the two agents/employees stated above; noted my account and made all the necessary corrections. 
I can't remember the name of the third agent/employee, but he did a fantastic job of addressing the issues and clarifying their misconduct. 
Conversely, I received a 90 day delinquent notice on XX/XX/year>, after my account was already made current and even though Navy Federal Credit Union sent me a " Paid in Full '' notice, closing my account and my Title which is dated XX/XX/year>. I did everything I was told to do by the agents/employees and due to their negligence and lack of knowledge, my credit still got knocked down by over XXXX. because of this 90-day late fiasco. 
In closing, I'd also like to bring to your attention that Navy Federal has experienced numerous " system errors, '' which have unfortunately impacted my consumer credit. Several of my associates have encountered similar issues. I hope this information helps clarify the situation and assists in the necessary adjustments to my banking history and my credit profile. 
Thank you for your attention to this matter. 

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

I noticed inquiries on my credit report that i did not authorized. I tried to dispute with experian and they refuse to investigate. The creditor posting enquiry on my credit report has a phone number that does not exist and when i sent a certified letter it came back as undeliverable. The company 's names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information posted on my credit report is outdated and not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 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.

This Medical debt has been satisfied. Also I never owned this debt. This is under XXXX $ also so it should not still be being reported onto my consumer report. 
This reinvestigation has be more than 60days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to pull my credit report neither do I have knowledge of them XXXX XXXX XXXX XXXX XXXX and XXXX I never applied for credit with them and I do not have an open account tied to these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

My Profile needs to be updated. I have sent letters several times stating that I only want my current address, correct name, correct DOB, correct SSN, all to be reported on my account. This is not the case and has not happened for me.
Product: Credit reporting 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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX and 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

I have requested on numerous occasions to reinvestigate and verify the alleged account with XXXX XXXX XXXX XXXX my last attempt was on XX/XX/19. 

I requested to provide me the following : the name, address and telephone number of each person contacted regarding this alleged account. I also requested any formal documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Lastly, I requested their method of verification as any automated response or e-Oscar verification is unacceptable. XXXX   and Equifax failed to provide the requested information and refused to reinvestigate the dispute.