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

On the XXXX of XXXX i did a bill pay for XXXX went to check my account that morning on the XXXX and noticed a fraudulent deduction from my account for XXXX called key bank immediately to advise them of this fraudulent deduction and they stated they had to investigate it. I did put in the dispute and requested the money be refunded immediately. Then i proceed to transfer more money in fear my bill pays of XXXX would not be satisfied even though there was over XXXX in the account. Got home from work and went online again and another company by the name of XXXXXXXX XXXX pulled XXXX from my account fraudulently. I called Key Bank again and reported this and to this day none of the money has been refunded to my account even though both those transactions were in a pending status when I called, and I attempted to report the fraud and stop it. Key Bank takes the XXXX from my overall balance and then places it in a hold status instead of paying the bill even though they pulled the money directly from my overall balance they are now claiming they are returning the XXXX to me. When I questioned them as to why even though the money was already pulled from my over balance including both those fraud amounts leaving me with XXXX in my account, they are saying they are returning it to me because they are claiming there was not enough money in the account ; This is false. They're practices are deceitful and false. They hole no interest whatsoever in protecting the consumer instead they manipulate the consumer money for their own benefit as well as the false parties taking money from the account. Another example would be 3 months ago when I called Key Bank and explained that various XXXX cable subscriptions were pulling money from my account even though I didn't have the stations. I kept telling Key bank that I didn't have the subscriptions and I can prove it by taking a picture of my TV screen to show that I did not have the stations. XXXX said they needed to investigate and charged my account regardless. They did not work in my favor they paid out to various cables subscriptions with my money for stations that i did not have. I have spoken with several supervisors and the dispute department regarding this. I have had to cut up my debit cards with Key Bank 8 times. Its ridiculous. and now once again they are saying they need to investigate the 2 fraudulent=ent amounts I want my money back. I am sick of this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not owe this collection that is on my credit report. I do not have any knowledge of this account.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$140.00}
Product: Debt collection

I am a victim of identity theft. I tried to solve this issue with the company in the past. Back on XX/XX/XXXX, they received a notice from me delivered via certified mail in which I reported that this account incurred in fraudulent charges. I also included FTC report attached. As of today they have failed to provide me with the proof that I owe this debt or remove these fraudulent charges from my credit report. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : Wells Fargo account # XXXX. Opened date : XX/XX/XXXX, Balance {$0.00}. Status : Closed. 

Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act. 

Attached : - FTC Identity Theft Report - Letter sent to Wells Fargo
Product: Debt collection

I recently checked my credit report to find a fraud collection account reported for {$110.00}, opened XX/XX/, with the original creditor as XXXX XXXX, from Bull City Financial Solutions , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX, phone number XXXX. I called this company and a man by the name of XXXX answered. He stated, after asking me for the last 4 of my SS # and birthday and name, that he has no account listed for me. I then called XXXX XXXX, they stated they have no account ever listed under my name or personal info either. I called Bull City back a second time. The same man, XXXX answered. I proceeded to ask him for documentation to be emailed or mailed to my home stating, on letter head, that he or the company has no information or an account for me. He refused to do so then proceeded to ask me for my husbands birthday, name and last 4 of his SS #. I hung up on him. I called the same company back a third time to see if someone different would answer to verify my suspicion that this man is scamming me and others. XXXX answered again, I hung up. I have called XXXX XXXX for a second time and they are sending me, via email, an affidavit to fill out and stated once that is completed to file a police report. I have also called all 3 credit agencies to file a fraud claim and dispute this collection attempt. I have researched Bull City Financial Solutions , Inc. on XXXX and there are many complaints for this man/company trying to get money from innocent people by filing a collection report on their credit report. This man/company is scamming people out money for his own benefit. This is theft.
Product: Bank account or service

On XXXX XXXX, 2015 maybe federal credit union withdrawal or reverse {$200.00} out of my account which day were not entitled to do the claim that they have reversed it to {$200.00} from my account because they have gave given me credit for dispute I have made which day did not and never automatic give me credit I have several dispute pending which the did not give credit for while speaking with the representative they indicated that it was their error and they should not have taken the money out of our account maybe federal constantly reverses they constantly steal and over charge please investigate all products and services from maybe Federal credit Union to ensure this business banking institution is running according to United States federal regulations in any misconduct mismanagement they should be charge according to United States federal law
Product: Credit reporting or other personal consumer reports

incorrect information on my credit report is causing issues. 
incorrect addresses.
Product: Mortgage

I 'm writing to complain about the money-handling practices of Wells-Fargo and its subsidiary Americas Servicing Company. 
On XXXX XXXX, 2015 we completed the sale of our home which had a mortgage through the aforementioned company. At the time of closing, there were funds due back to us from the mortgage company. 
Despite Arizona law requiring the funds be returned to us within XXXX days, Wells-Fargo has not delivered the money as of this writing, XXXX days later, on XXXX XXXX, 2015. 
A telephone inquiry to Wells-Fargo resulted in us being told that the check had not been issued until XXXX XXXX ( XXXX days after close of escrow ), had not been mailed until XXXX XXXX ( 21 days after close of escrow ), and that we should expect first-class mail in the continental United States to take 10 business days ( XXXX weekdays + XXXX weekends = XXXX days or XXXX days after close ). 
It appears that Wells-Fargo is introducing unnecessary delays into the process so they can hold money they do n't own for as long as possible. Their representative claimed that they met the requirements under the law " by issuing the check '' in under XXXX days. Apparently, the company 's definition of " issuing '' does not include putting it into the mail which they claim happened five days later. 
I 'm skeptical about even this, giving two days for first-class delivery, mailing can not have happened as late as XXXX XXXX, or the proceeds would already have arrived. 
I requested that the funds be wired to my account, but the bank claims they have no facilities for such a thing. (! ) In all, I 'm very disappointed and frustrated that this company is not following the law, nor acting ethically in dealing with consumers. ( This after years of never having a mortgage payment to them be even one day late. ) I 'd like to ask for your help in obtaining the money we 're owed from the bank, forthwith, and that you take what action is in your power to have the bank sanctioned until it can operate with honor and integrity, and within the law.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by reporting inaccurate and misleading information on my credit report. I am distressed by this damaging information on my credit report. 

Equifax is currently reporting that I owe a balance of {$1400.00} to XXXX XXXX XXXX XXXX XXXXut this is false and misleading. I received an IRS Form 1099-C ( Cancellation of Debt ) for {$1000.00}, which indicates that a portion of this debt was legally canceled and must be reported as taxable income. Under IRS regulations, a canceled debt is no longer owed, and creditors can not continue to attempt collection or report it as an outstanding balance. 
1. Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Equifax is knowingly reporting an inaccurate balance, despite the fact that part of the debt was canceled.

2. Failure to Properly Investigate ( 15 U.S.C. 1681s-2 ( b ) ) I previously disputed this account with Equifax and asked them to validate this debt properly, yet they failed to correct the information. 

XXXX. Furnishing Incomplete or Misleading Information The reported balance does not reflect the canceled debt, misleading potential lenders and harming my creditworthiness. 

Attached to this complaint are : 1. A copy of my Equifax credit report showing the inaccurate balance. 
2. A copy of the 1099-C form from XXXX XXXX XXXX confirming cancellation . 
3. A copy of my previous dispute letter to Equifax and their inadequate response. 

I urge the CFPB to investigate Equifax 's noncompliance and hold them accountable for violating the FCRA. Please confirm receipt of this complaint and provide updates on your findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A. States I have the right to privacy 15 US 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has violated a few consumers laws in regards to my credit report. I have asked XXXX XXXX  to vary my address because I have not received any information on my account and they are reporting late. My address is also incorrect in their systemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I want to move into an apartment I can not get approved bc of the inaccuracies on my consumer report. They have violated 15 USC 1681s-7 ( A ) ( i ), 15 USC 1681a , and 15 USC 1666B . The accounts are also closed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of inquiries on my report from unknown companies. Please remove them from them from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to try and gain an auto loan at XXXX company 's on XX/XX/23 only XXXX company has been good about removing the inquiry from my credit report. The other have either given me a hard time ( XXXX XXXX ) or they have tried to help but not sure whats going on now.
Product: Credit card

Amex attempted to collect payment from my bank at least 10 days before due date which is on the XXXX of every month causing a nsf charge not only on their end but also with my own bank I tried talking to Amex but their customer service is really rude and unwilling to work with their customers apparently all they care is to rip people off their money
Product: Debt collection

In XXXX XXXX, we received notice about a cancellation fee from XXXX through a debt collection agency. We did not know about the bill. We paid the bill both to the debt collector and XXXX and received a credit from XXXX. Then in XXXX we received notice from a different collection agency about the same debt. We asked for written information from diversified which we never received and also contacted XXXX who said that we didnt owe anything. Now it is on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call XXXX, XXXX  and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from XXXX hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care
Product: Credit reporting or other personal consumer reports

Experian, TransUion, and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer report is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block and delete such information made on the basis of a material misrepresentation of fact by me relevant to the request to the identified transaction. The identified transaction are not information related to any transaction by me as a consumer. 
XXXX. Account name : XXXX XXXX Account number # XXXX XXXX. Account name : XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX  Account number # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX, Account name : XXXX XXXX XXXX. Account number # XXXX XXXX. Account name : XXXX XXXX. Account number # XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX as well as the following inquires a. XXXX XXXX XXXX 15 U.S. Code 1681c-2 Block of information resulting from identity theft I demand this information to be block and removed from my consumer report with in 4 days from the date of receipt of this notice. 

FEDERAL TRADE COMMISSION Identity theft report # XXXX
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

First to start I am submitting this complaint on behalf of MYSELF. My name is XXXX XXXX. I recently submitted a dispute via the mobile app for XXXX XXXX, and Equifax disputing items that per the FCRA should be excluded from the consumer report as well these companies did not have my written consent to report any information. Additionally, I should not have any items on my consumer report as 1. I did not give any consent to harbor my personal identifying information without my consent or the judgement of a competent court of jurisdiction. Having my personal information is a violation of the Privacy Act as well as 15 USC 1681a ( 4 ). Also reporting to credit reporting agencies is voluntary per the CFPB. To further per 15 USC 1681b ( 2 ), I have mailed my written instructions to all consumer reporting agencies, certified mail return receipt, regarding my consumer report. I have been injured by the errors and the violations against me, a federally protected consumer as it relates to my consumer report as the errors have cause me to be denied for consumer credit transactions. Additionally, XXXX  is in violation of 15USC 1681a ( 2 ) ( b ) for including items that should be excluded from my consumer report. Again I am Sending this complaint on my own behalf. This is NOT a third party complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to fix this issue with SERVICE MAC they are reporting a higher incorrect balance than what is owed to the credit bureaus negatively impacting my credit. Also XXXX XXXX when I accepted the covid19 forbearance sent me a letter stating that this would not impact my credit. Although I have never paid my mortgage late at this time my XXXX  for mortgage is XXXX as if I have a delinquent mortgage account. I was deceived by the information they provided stating that they would not impact my credit this is a deceptive lending practice .I have disputed the account several times with XXXX they also report false information and do not investigate and correct the matter. I have contacted the OCC and have been advised legal counsel on this ongoing charade and will act if not resolved immediately.I have included a XXXX XXXX statement with the correct balance owed that should be reporting.
Product: Credit card

From XX/XX/XXXX to today, the following accounts were closed by the creditors because of information they received from XXXX. 
XXXX XXXX - never late XXXX- not late was late in the past, and this came off my records Wayfair - never late XXXX XXXX - never late XXXX XXXX - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but in the meantime, more accounts are closed. 
My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened. 
.
Product: Debt collection

I received a call from NCS stating I owed over XXXX in debt so within a few days or same day I wrote them a letter and on XX/XX/XXXX I sent a certified letter to verify debt and request that they no longer contact me until debt has been verified and on XX/XX/XXXX it was picked up and I have received no reply back from the company to verify the debt but they did contact me and my place of work on XX/XX/XXXX when I specifically stated to not be contacted until proof of debt
Product: Debt or credit management

This company reached out to me saying they bought a debt from a company and said it was mine I sent in a letter of dispute XXXX XXXX and have gotten no response to none of the things I requested or asked for. Spoke with customer service and she stated I had to get also verify things on my own which that's not how it works also she stated it wasn't an attempt to collect a debt but she would like payment on the account which makes no sense. If your asking for payment then that's considered a collection.