23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian 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 a personal credit card account opened at XXXX. ACCOUNT NAME : 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  BALANCE {$19000.00}, CREDIT LIMIT {$16000.00} That appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent appearing on my consumer XXXX credit report. I've attached a list of copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, the collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, this collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX [ RE : XXXX XXXX  XXXX # XXXX ] Dear Sir or Madam : 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. 
XXXX XXXX XXXX # XXXX 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.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,
Product: Credit reporting or other personal consumer reports

The credit bureau told me that they got my bankruptcy information from XXXX XXXX. XXXX XXXX told me that my bankruptcy information was unveriable. The bankruptcy court also gave me a letter that they don't report information to the credit bureau. So Please remove this Bankruptcy from my credit profile
Product: Debt collection

I receive lawn service from XXXX XXXX XXXX. Recently I had an unpaid bill that I was unaware of. I received a collection notice from Transworld Systems and I called XXXX to insure that my bill was paid in full. I provided a credit card and paid my open balance in full. It is now 2 weeks later and in spite of my debt being paid, I still get regular calls from Transworld Systems in spite of the fact that the bill is paid and I have repeatedly let them know that the bill is paid.
Product: Mortgage

In order to prevent Wells Fargo from continuing to avoid answering questions, I will file a complaint for each point separately. 

Wells Fargo did not address the overage that I was told would have happened as a result of making the mortgage payment on XXXX XXXX. I was lead to believe that this overage would occur once the original loan was completely paid off and that XXXX XXXX payment would have been extra. If this was not to be the case, Wells Fargo did not clarify. 

Please tell me where in any of the responses does Well Fargo mention this overage. I have attached the email from XXXX XXXX in previous complaints but Wells Fargo has refused to acknowledge it. Here is what he said on XXXX XX/XX/2020 : XXXX Just wanted to try write out what we were discussing. If you make a payment tonight or tomorrow that payment may process and appear on the XXXX. If so, I can pull a new payoff and have the numbers updated. This would result in your loan amount going down. If the payment does not process until after signing then you would end up receiving a refund for overpayment. 

I spoke with my manager and she did confirm that late charges are assessed on the XXXX and we are not scheduled to disburse until the XXXX. 

If the payment was made on the XXXX as scheduled you would receive a refund for the overpayment because we would not be able to rework numbers prior to closing in this scenario. 

Please let me know if this clears it up and how you intend on proceeding so I can work this correctly for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many times disputed two accounts and requested proof of debt. 

I have requested proof of debt from EQUIFAX and from creditors and neither can supply anything. 

EQUIFAX only send letters of confirmation. 

The disputed accounts are : XXXX XXXX and XXXX.
Product: Checking or savings account

I am writing to formally file a complaint getting multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Bank account or service

My purse was stolen on XXXX/XXXX/16 in XXXX, WA. We canceled all cards and closed our bank account with Chase and opened a new account. We also were told that there was a " flag '' placed on our accounts. The person who stole my purse did NOT have my social security number and only had the closed bank account number. She went to XXXX Chase bank branches in XXXX, OR four days after the theft and withdrew {$2200.00} and {$1400.00} against our NEW account. She did not have the new account number and Chase did not ask her to swipe a debit card or provide a pin number. The only item she had was my Driver 's license and Chase basically let her drain account in one day. Following the withdrawals Chase told us that we would not get our money back for 30 days and that we could not take the remainder of the money out. We had to call numbers of times, wait on hold for hours and hours. I emailed the CEO and called the Executive Offices to finally get help. We were able to get our money back in a week, but only because we were so vigilant. The overall issue that Chase gave XXXX of cash away to a person who did not have sufficient information and then failed to return our money in a customer service oriented fashion.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equitax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This is the account that I have marked as inaccurate XXXXXXXX XXXX XXXX
Product: Debt collection

Collection agency was notified twice by XXXX of a dispute that was reported. Collection agency did not verify debt, but returned the report to XXXX as still owing the debt. However, it was paid in full. I called the Collection Agency to resolve the problem, but was told that they wo n't verify any information when they are notified of a dispute. Apparently, they will allow false information to remain on the credit report indefinitely, because they " would get nothing else done '' if they spent time correcting disputes. They also report every late or non-payment as a separate issue and debt instead of all with the same company to make as many negatives on the credit report as possible. For example, if there is a total owed to a company, they report as many separate negatives as days that the debt was owed.
Product: Checking or savings account

My account was locked and I had to go in to show ID. No big deal. 

I went to the branch at : XXXX XXXX XXXX, XXXX XXXX, NC XXXX The clerk XXXX tells me I'm good to go, I go home and check my account and I'm still locked. Call customer service and they call the branch as they see no notes about my ID being verified. Branch tells them I came in for a withdrawal and mentioned nothing about my account being locked. I insist this is false so they call the branch back with me on hold, speak to the associate again who tells them that yes she verified my ID but did not make a notation or unlock my account and hangs up. Customer service attempts to have the fraud department unlock me but they insist it must be done by the branch. Customer service calls the branch and the associate hung up on her twice. Finally customer service transferred me directly to the associate at the branch who said she was unlocking my account. 

As of my writing a 2 hours later, my account remains locked.
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. 

XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX  : # XXXX, 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 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 or other personal consumer reports

In order to REMIND the EQUIFAX Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that EQUIFAX BUREAU MUST DO THEIR JOB PROPERLY and immediately remove these fraudulent inaccurate addresses XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

On my credit report I noticed a collection. All my accounts have been paid on time. I dont know what this is about. I noted that I submitted a complained about my student loan remark Im late on the student loan but this loan is has been on forbearance it was approved by the XXXX. I noticed that my score from one of the reporting agency has lowered. I feel they are using scare tactics because they were caught making false allegations on my report.
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. 

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 BANK XXXX XXXX 15 U.S.C 1681 Section A. States I have the right to privacy. 

15 U.S.C 1681 Section 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 cost to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to you with an urgency that demands immediate attention. It has come to my attention that fraudulent account is still being reported on my credit file, despite numerous attempts to rectify this matter. This is unacceptable, and I will not tolerate any further negligence on your part. 
Let me be unequivocally clear : the presence of these fraudulent account on my credit report is damaging my financial reputation and causing irreparable harm. I have diligently followed all necessary procedures to dispute and rectify this inaccuracies, yet they persist. Your failure to address this matter promptly is not only negligent but also a blatant disregard for the law and my rights as a consumer. 

I demand that you take immediate action to cease reporting these fraudulent account on my credit file. Failure to do so will result in severe consequences for your bureau. I am prepared to pursue all available legal avenues to ensure that my rights are protected and that justice is served. XXXX XXXX XXXX XXXX.
Product: Debt collection

Please remove collection account from all XXXX credit bureaus per 15USC 1692c ( c ). Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute requesting my report for XXXX be updated with no late pays. The report is showing XXXX andXX/XX/XXXX being 120 and 90 days late, XXXX andXX/XX/XXXX 180 days late, XXXX, XXXX, XXXX XXXX 150,120,90 days late, XX/XX/XXXX 180 days late, XXXX, XXXX, XXXX 150, 120, 90 days late. This account was not late. The account was in forebearance due to active military. The account should read nd or ok. I sent documentation showing proof of why account was not late.
Product: Debt collection

Ideal Collection Service is in Volation of my rights by placing this alleged debt on my credit report without giving me a 5 day notice to dispute this alleged debt. They just simply placed it on my report. I spoken to a lawyer about this matter my next step will be to seek ligation if this account isn't removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I received an unauthorized inquire form XXXX XXXX on XX/XX/2018. As soon as I saw the alert, I called XXXX and they stated that they would send a form to Transunion to have it deleted. I contacted XXXX XXXX again on XX/XX/2018 because the fraudulent inquiry was not removed. They said it would take up to 120 days. I called XXXX XXXX in XXXX and they stated they sent the forms to Transunion to have the fraudulent inquiry removed. I called Transunion and they said they do not have them.. I called Transunion again the week of XX/XX/2018 and stated they still had received nothing. I called XXXX XXXX again the same day and they said it was sent twice to Transunion to have the fraudulent inquiry removed. I decided to wait another week or so. I called Transunion again today, XX/XX/2018 and the representative said they are opening up a " dispute '' case and they have some information about the fraudulent inquiry in their notes. I am still not sure if they have the actual paperwork from XXXX XXXX or not. This is not a dispute case. I would never apply for a XXXX XXXX phone. Ever. I am in the process of fixing my credit and this is a huge disappointment and set back. I asked the representative at Transunion why is it an investigation? XXXX has already done that. You are just supposed to delete it according to XXXX XXXX Fraud Department. His only answer was to wait for a response in the mail in 2 weeks. I need to know if XXXX actuall sent any information about removing the inquire to Transunion and if Transunion actually has it. I also am requesting for that fraudulent inquiry to be deleted not investigated a second time. XXXX said it was an application done online. Both XXXX and Transunion have my mailing address and I know it is not the one on that fraudulent application.
Product: Money transfer, virtual currency, or money service

I received a payment on PayPal.com for a product I sold on XXXX. I was instructed to upload the tracking information on the website and 24 hours after deliver the funds would be released to me, almost a week later and multiple emails, phone calls and messages with PayPal and I still don't have my money. I called customer service again and spoke with XXXX ID XXXX and he XXXX he would send me a text but I told him I couldn't get texts and be on the phone and the text expired several minutes later. He said I'd just need to wait, but I told him the website says funds will be released 24 hours after delivery. I ATTEMPTED TO EXPLAIN THAT XXXX, FL IS A SUBURB OF XXXX, but he said the shipping information didn't match the records. I told him I shipped to verified address and he still hasn't release my money! They've had my money and won't release it!!!!
Product: Credit reporting or other personal consumer reports

In XXXX I made a final payment to the car loan, I made the payment on a Thursday for the full loan amount. At the end of the month I received an update to my credit report stating the loan was paid in full and the account was closed. I also received a letter from the MVA with my title saying that my loan had been reported as paid in full and that lien was satisfied. In XXXX I got a new hit on my credit report stating that I had a 60 day outstanding loan payment. Apparently, the loan payment I had made was not processed until the following Monday, so about XXXX cents interest accumulated to the loan, and for 3 months it sat there and I had no idea since I was told the loan had been paid off already. I have been working with the bank since then to get this taken off my credit report, and nothing has changed. I even had Experian open a dispute with the bank who stated the information on the report was accurate. Now my credit report has the loan on there twice, once as being closed and paid in full in XXXX, and another from XXXX saying the loan was delinquent, and then was paid in full and closed again. As if there were two separate loans. This is dropping my credit score by over XXXX points, even though it is literally the only negative thing on there from the past 20 years, so now its impossible for me to get a good loan because of this. At this point I don't even know what to do anymore about this because nothing is getting fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Tax Lien recorded does not have complete social security number or date of birth as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I raised disputes for this inaccuracy more than 35 days ago, and there has been a failure on your part to notate them as disputed. The absence of notations is unacceptable. According to 15 USC 1681s-2 ( 3 ), this items must be promptly removed from my credit report.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION XXXX XXXX XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m (  f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PERFECTION COLLECTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX LOOKOUT XXXX XXXX XXXX XXXX, NC XXXX