23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Credit Bureau refuses to remove or validate erroneous false information on my credit report. Credit Bureau Reps admit that a " computer " verifies it. I have repeatedly asked for their method of verification which is my right under the FCRA section 611 ( a ) ( 7 ). I have contacted the courthouse and I have a letter from the Clerk of Court that stated that they DO NOT VERIFY with the bureaus. They will not tell me what third party vendor they " verify '' with so that I can dispute directly with them. 
The information that they are reporting has many factual inaccuracies which they refuse to correct or delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is the police report, my drivers license and social security card for identification purposes for Experian and XXXX to block the information, accounts and credit inquiries listed on my credit report.
Product: Credit reporting

I filed a complaint with the reporting agencies stating that the stated Delinquent account reflecting as an FHA Mortgage Loan-XXXX XXXX XXXX is inaccurate. According to FCRA and Public Record Law the subscriber has to show proof on demand of the inaccurate information. The agencies have refused to provide the verification. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 7 years. The credit agencies have stated I can no longer challenge this negative entry which is against FCRA law. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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: Vehicle loan or lease

on XX/XX/XXXX, my payment of {$370.00} was due, however, I wanted to pay-off my account for the amount of {$570.00}. On XX/XX/XXXX, my payment was returned using the CarMax app on my phone. XX/XX/XXXX, I received a call informing me that my payment was returned as my account was " frozen ''. I called my bank, my account was not frozen, called CarMax Auto Finance back and issued payment over the phone again, and I specifically asked if the payment was processed as an ACH payment, the representative quickly responded, " YES. '' XX/XX/XXXX I went into the XXXX, CA location and I was I spoke with someone at XXXX over the phone who affirmed that my account was closed, and nothing was owed and my checking account balance reflected the result of a large deduction. I also received a letter stating that my account was closed and PAID. ( See attached ) XX/XX/XXXX I get another call explaining that my account is passed due and I, now, owe $ XXXX. I think it is ridiculous that these institutions allow their staff to not verify information regarding customer inquiries and allow their customers to suffer the additional interest because of the staff 's inability to properly explain which types of payments can or can not be processed. That should be the most basic responsibility fo their job. Call reference # XXXX
Product: Bank account or service

Well fargo has robbed me. here are the accts XXXX, XXXX, XXXX,XXXX, I received a letter stating XXXX Credited me XXXX in the account ending in XXXX and it was gone. There are many other accounts I have had with well fargo. Please review all and see why I was charged all these bank fees. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid a bill on my XXXX 's credit card early using my bank account. I also had autopay active from a different credit union account. Although XXXX 's autopay says that autopay will be adjusted not to exceed the statement balance, they nonetheless tried on XX/XX/XXXX to debit my credit union for the amount of the bill that I had already paid and owed nothing on. My credit union account did not ( nor did it need to ) have the funds needed to pay this non-owed amount, so I was charged both a {$27.00} fee by XXXX 's and three separate {$25.00} fees by my credit union. These fees were the fault of the XXXX  's credit card for billing me twice for the same bill. When I complained to XXXX 's on XX/XX/XXXX, they refunded my {$27.00} fee. It was only later that I discovered the {$75.00} in credit union fees XXXX 's had caused to be incurred, so I complained about these in another message dated XX/XX/XXXX. I was asked on XX/XX/XXXX to mail or fax them a copy of my credit union statement to request a refund. I did so. When I found no change had been made, I contacted them again on XX/XX/XXXX and asked for an update. They informed me that my request had been denied because they " do not refund overdraft fees '' ( although the fees in question were in fact return charges, not overdraft fees ). When I reminded XXXX 's that the fees were entirely their fault due to their mistaken billing of my account, they provided no assistance. The point of all this is that XXXX 's is at fault for billing my account mistakenly and causing fees to be charged to me and they will not make it right. Furthermore, if they were not going to help with this, they ought not to have requested that I waste time and postage mailing them a credit card statement that they were just going to throw away.
Product: Debt collection

COLLECTOR HAS VIOLATED ALL CONSUMER PROTECTION LAWS THE LAST ONE WAS S.O.L. EXPIRED ON SAID DEBT SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Bank account or service

On  XXXX   XXXX   TD  Bank charged me  XXXX  bounced check charges for transactions that were made fraudently to my checking totaling {$170.00}. TD was aware of the situation that my account was compromised and shut down my debit card.Yet they are charging me {$170.00} bounced check fees for charges that TD knows are fraud.Made a phone call to their customer service and told me they werent reversing bounce charges that i should be lucky that fraud charges got reimbursed.Very nasty and unpleasant conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$630.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  card was sold to another creditor XXXX XXXX XXXX ( XXXX  ), and this account has been settled and paid off as of XX/XX/.
Product: Checking or savings account

Chime financial institution again continue to violate consumer rights an there investigation department is a farce I've contacted the merchant for my disputed charges whom informed me they haven't asuch as received a phone call in regards to my disputes XXXX  days after after waiting XXXX  days for this transaction to settle chime is open XXXX  days a week which means the weekend counts as a business day so trying to use the weekend as a copout to hold my money is baffling
Product: Debt collection

I am writing to express my grave concern regarding a debt that you have reported to all three major credit bureaus under my name. I must make it absolutely clear that I have no agreement with Best Service Company. Your reporting of this unsubstantiated debt has not only harmed my credit score but has also caused me to incur higher interest rates, resulting in significant financial hardship for me and my family. 

Further, despite lacking any proof of my obligation to this debt, I was compelled to make a payment of {$290.00}. This payment was made under duress, given the adverse impact of the unvalidated tradeline on my financial situation. In light of this coerced payment, I demand that the account in question be deleted from the records of all three major credit bureausXXXX  XXXX, and XXXXimmediately. 

I hereby demand the following immediate actions : Debt Validation : I demand that the validation of this debt be provided in the form of a verified statement by an individual with firsthand knowledge of the debt. This individual must be able to attest that the debt was incurred legally, was not disputed due to returned, faulty, or recalled consumer products, was not claimed as a profit-loss tax deduction, and was not claimed as a loss with any insuring entity. 

Removal from Credit Reporting and Account Deletion : Given the absence of any verified agreement or debt owed on my part, and considering the forced payment of {$290.00}, I insist that you immediately remove all related reporting from XXXX, XXXX, and XXXX and delete the account entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints with the bureaus about negative information being reported on my consumer reports. I am a federally protected consumer with rights. I have a filed complaints with the cfpb and even showed documentation. The accounts are still somehow getting verified. I am bringing the laws to back me up this time. According to 15 usc 1692 only I the consumer can validate a debt. The bureaus were not there at the time of any of these alleged transactions. In order for them to verify anything they would need to interview my neighbors or family members which none of that was done to properly assess the alleged debt. Also according to 15 usc 1681b ( a ) ( 2 ) A consumer reporting agency can only furnish a report with my written consent which they do not have.

As a federally protected consumer I also have the right to privacy 15 usc 1681b ( c ) ( 1B ) ( iii ). These alleged transactions are linked to my credit card which means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( This is my social security card ) 15 usc 1602 ( i ) Transunion deleted the XXXX  accounts but XXXXXXXX  and XXXX  claimed they're verified that makes no sense, I want this competely and thoroughly investigated.
Product: Debt collection

Debt collector has repeatedly called, upwards of 10 times a day. Account was billed incorrectly due to the creditor not properly closing the account ; account holder was a XXXX service member. Account has since been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1 ) XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 2 ) XXXX XXXX XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX (XX/XX/XXXX ) 4 ) XXXX XXXX XXXX (XX/XX/XXXX ; ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX) 7 ) XXXX  XXXX ( XXXX ) 8 ) XXXX  XXXX XXXX ( XXXX ) 9 ) XXXX XXXXXXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX XXXX ( XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXXt (XX/XX/XXXX ) 14 ) XXXX  ( XXXX ) 15 ) XXXX  ( XX/XX/XXXX)
Product: Debt collection

( Transworld systems I ) at ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ) has been calling me, for the amount of {$3600.00}. 
After I ask multiple times to stop calling I had to change my phone number 2 times so i could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature.
Product: Money transfer, virtual currency, or money service

I am reaching out concerns with Zelle account, disputes seem to NOT be handled properly and efficiently. As someone who continued to use it, the disputes with CFPB lawsuit highlighted issues with the platform. I was told that apparently my transactions are infeasible, I distrust that type of process handling customer satisfaction and most importantly trust.
Product: Credit card or prepaid card

Capital one continues to try to charge me for for charges I did not make. When you tell them the charge they issue a credit then take the credit back the next day. They do no investigation whatsoever. Which is more and more striking as fraud. No credit card company does this. I spike to one of the venders who admitted the errors and apologized, yet capital one is taking back the credits they issued and will see the credit coming back from the venders who recognize the errors.This in itself says something is wrong with capital one. I have no intention of using their card services again ever after this is resolved.

It's one thing for the consumer to say fraud occurred and there to be no proof, but for fraud to occur and a vender admits to it after capital one cited the transaction was accurate, says that Capital one credit is not following federal regulations.

I have attached all the letters from then, in the past 6 days, I've seen them do this so many times, that I want nothing to do with them.

Its ridiculous, there is one from XXXX where uhaul admitted they did not have the machine booked online. charged anyway, then I contacted Capital one, they credited the account then took the credit back, citing as shown they found no dispute or fraud that the charge was valid, yet uhaul admitted they did not have the machine and credited the account back. 

Capital one is engaging in consumer fraud.If the vender admits after the credit was removed it means capital one never investigated anything, and I've seen this too many times with capital one. 

.
Product: Mortgage

On XX/XX/2021 we contacted another financial institution about a HELOC. In gathering the documents needed to obtain this, we discovered our XXXX XXXX XXXX policy was cancelled XX/XX/2021. I contacted First Midwest Bank, our loan holder about this. They stated it was paid but since they " are a new servicer '' they did not have a closing disclosure. They required the loan XX/XX/2021 and were told it was already paid. The insurance and taxes are part of our escrow account. We had to pay out of pocket {$1800.00} to insure the house but our escrow continues to gather {$1600.00} to pay out the insurance policy. We have been literally robbed by this bank for the second time.
Product: Checking or savings account

I have been a business customer of Wells Fargo for nearly 15 years. My wife and I are the only ones with access to our account. On XXXX I returned home from work to find a letter from Wells Fargo informing me that they had illegally added my brother to my account. This was done without my authorization. 

I immediately called the number provided on the letter, and after jumping though hoops for over XXXX hours, they told me that they were unable to remove him from the account and that I would have to go to the branch to get this done. 

The next morning XXXX I closed my business to go into the bank to get this taken care of. After spending another XXXX hours there, they told me they could not remove him from my account even with me there. They asked that I go to another branch. I informed them that I had already invested over XXXX hours of my time into this and I wasn't going to another branch. So I left with no resolution. 

My brother and I are in similar businesses. In fact he is a business competitor in some aspects. So basically Wells Fargo has illegally provided my competition with complete access to my financials including my customers, suppliers, vendors, and affiliates. 

They do not seem to care, and even after informing them of their error and illegal activity, this person is still on my account and still has access to all of my business financial information. PLEASE HELP!!
Product: Checking or savings account

in XXXX, I called and asked the representative why my checks go on hold for 10 Business days, She said once my account is over 60 days old they wont be held. 

On XXXX i submitted a mobile deposit and was hit with the same deposit hold. I called, the first representative informed me that they didnt know why it was on hold and wouldnt send me to the member resolution department because they were closed, even though they were open according to another representative. She filed a complaint with the claim number XXXX The second representative informed me that it isnt 60 days it is 120 days until my checks instantly clear. Which is ridiculous i have never had an issue like this at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX Oklahoma. Just USAA. 

The Federal reserve sets a limit of 7 business days for a check to be made available, i had had to wait over 10 days in different situations for my funds to clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is telling The US Department of Education that I have a credit freeze when I never had one.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX,. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed items that are listed in the report are a result of identity theft. I mailed in my dispute/request to block these items, but this bureau refuses to block or delete this information despite support documents attached corroborating my dispute. I may have to sue this them if this does not work because I am victim of identity theft and this bureau is refusing to correct my report. They are playing games and I am XXXX about it. See my attached documents.