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

this complaint is on XXXX XXXX and Equifax in regards to reporting inaccurate information AFTER they have Verified as Accurate account XXXX XXXX XXXX. 

XXXX results File number XXXX Date Issued XX/XX/XXXX Verified as Accurate Account Type OPEN ( this item should be closed because XXXX XXXX provided me with a response yet and the debt has not been proven under my name legally ) having my name and address is not validation. I want the signed documents proving I agree to pay them what I claim I owe ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} 7 Year fall off date XX/XX/XXXX. 

XXXX results Report Number XXXX Date Generated XX/XX/XXXX Verified as Accurate and Updated -NO RESULTS were provided to me to view. I had to get a new report separately. If this item was Verified and Updated like experian has generated then I should be able to view a updated report reflecting the updates. 
I got a new report XX/XX/XXXX and these are differences. 
-Activity in the Payment History on XX/XX/XXXX proving that this account is still open when it should be closed and ceased from collection and rerooting. 
A payment history ( XXXX never extended me credit so we do not have a payment history ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} On Record Until XX/XX/XXXX. 

I got a new report from Equifax on XX/XX/XXXX and the following errors show- this account is CLOSED. 
- Date of XXXX deliqneucny XX/XX/XXXX causing the 7 year reporting time to be set to XX/XX/XXXX. 
- a existing payment history with NO DATA -INCOMPELTE closed date ( but claim this account is closed ) -Past Due {$8400.00} ( I never had a contract with them so a past due does not exist. 

I have NO CONTRACT with this entity. This entity is reporting inaccurate different information but continue to verify information with the consumer reporting agencies. I have already filed a complaint on XXXX XXXX XXXX and awaiting for correspondence. XXXX XXXX XXXX is fully aware of the information being reported because I sent them notice of the errors and the fact that they are reporting a account and have not provided validation, there collection activities is FRAUD. I sent this letter on XX/XX/XXXX tracking number XXXX at there disputing address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MI XXXX and XXXX has recieved my letter on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and require immediate attention. 

ACCOUNTS - XXXX XXXX XXXX - XXXX XXXX  XXXX INQUIRIES- XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/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 XX/XX/XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( 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 TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$400.00}. Inquiries : XXXX XXXXXXXX properties. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My identity was stolen by a sign on into my XXXX Account. I was notified on XX/XX/year> that a western union transaction was processed through my checking account. I immediately phoned XXXX XXXX to stop the transfer. They advised me that they could not stop it as the money was already picked up. I gave western union the name of the individual so they could not use western union in the future. I contacted Chase Bank and froze all my accounts. The following morning I went into the local branch and closed all my accounts and opened new ones. I sat with a representative and went through the transactions to determine which were fraudulent. I was credited the {$780.00} immediately. There were some transactions from XXXX that did not go through and I was able to stop. In May Chase reversed my credit stating that they deemed it was not fraudulent because they used my bank account information and my name. I refiled a fraud claim. They rejected it again. I provided them with additional paperwork to only be denied again. I contacted the XXXX XXXX XXXX and Office of Comptroller of Currency and Chase said the same thing. My identity was stolen. I froze my credit bureau accounts. They had my name. They had my social security number as they attempted to open a loan. They had my bank account information. It was fraud and I want my money back.
Product: Vehicle loan or lease

XXXX XXXX the Bank of America Vice-President of Credit and Resolution, XXXX, California has repeatedly physically threatened us that either we pay the full monthly car loan amount of {$770.00} rather than the {$500.00} which is all we can pay because the novel coronavirus makes it impossible for us as senior citizens of advancing years with very serious health problems indeed or the Bank of America shall take physical action against us! Come to our home " in the middle of the night '' and physically assault us if necessary, that is the implication, if we stand peaceably by our car so that the Bank of America not take it away! A car that we need in order to visit our respective physicians! 

XXXX. and MrsXXXX XXXX XXXX and XXXX XXXX XXXX PS : The CFPB does absolutely nothing to help us despite ten ( 10 ) previously complaints by us about the Bank of America. 

You are apparently a toothless lot or a lot lacking in moral courage to say the least!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX EQUIFAX, XXXX AND XXXX continues to report INACCURATE and UNVERIFIED balance on my Credit File. ACCOUNT # XXXX -- -- -I DO NOT OWE THE CREDITOR THE AMOUNT YOU'RE REPORTING THIS IS FRAUD!!!! The BALANCE IS A COMPLETE FRAUD!!! UNJUSTIFIABLE, UNVERIFIABLE, UNQUANTIFIABLE, NO PROOF This account HAS NOT BEEN PAST DUE FOR 60 months and the Balance is WRONG Account Number XXXX NEEDS TO BE DELETED from my Credit File BALANCE IS WRONG, DELETE FROM MY CREDIT FILE, ACCOUNT IS MORE THAN 7 YEARS OLD YEARS AND THE STATUE OF LIMITATION HAS EXPIRED The balance on this account is WRONG and a COMPLETE FRAUD EQUIFAX, XXXX AND XXXX continues to VIOLATE the Fair Credit Reporting Act
Product: Checking or savings account

Horrible experience when calling customer service to report my debit card lost I was sent a debit card that is not contactless tap pay technology when I called them to notify how come the debit card I received is not they act like they dont know what Im talking about and said contactless is not available so then it doesnt make sense how come my previous card was contactless and had the feature to tap pay when making a purchase and now when Im requesting a new one its not because I lost it and they tell me its not upon customer request this is horrible its not fair
Product: Credit reporting or other personal consumer reports

I have tried to dispute a few incorrect items on my credit report with Experian and instead of the disputed items being taken off of my report I received no notice of their investigation and I just received notice that the item was staying on my credit report. I requested information as to why my dispute was denied and never received the information for Experian. This has been going on for the past two years.
Product: Vehicle loan or lease

I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX NJ XX/XX/2023. As of today XX/XX/2023 I have yet to receive the title for the vehicle. I had to file a complaint with both the NJ attorney General and with the NJ XXXX. Being I live in XX/XX/XXXX a vehicle is not an accessory but a necessity. Unfortunately XXXXXX/XX/XXXX I assume committed some type of scheme and I was never issued a title leaving me unable to register the vehicle. Nevertheless was updated by the attorney general that NJ XXXX has suspended XXXX Cars license to operate and investigating and needing time to recreate a title. Still leaving me without a vehicle. Based on my Contract Retail installment agreement my finance company is strictly listed between me and XXXX XXXX no other parties. But on my credit report a finance company claims to have interest in the sale in which I never agreed or signed any agreement with anybody beyond XXXX XXXX. Based on Federal Law NMSA 56-1-15 my retail agreement does NOT meet all the requirements outlined for the the 3rd party to have anything listed on my credit report which is damaging my credit credibility and score. I would like the company to remove all information that is listed on my credit report to prevent a defamation claim from being filed against them.
Product: Checking or savings account

M & T bank has charged me a service fee on my service fee FREE account for years. This account is coupled with accounts that have direct deposits and substantial daily balances in excess of any normal minimum requirement. 

I am charged monthly {$14.00} which is 3 X the {$4.00} waive fees the bank charges and cancels on each monthly statement. This deduction is reflected on my checking statements of XXXX XX/XX/year> XX/XX/year> XX/XX/XXXX going back years. 

I have brought this to the attention of the XXXX XXXX XXXX management twice, starting on XXXX XXXX, and by three e mails to their service dept, and an hour + long call to their service dept on XXXX XX/XX/XXXX with no resolution of the issue. 

The M & T checking statement is by their design difficult to justify as the number of checks cleared, and their total amount are not reflected clearly, all in a manner to conceal additional charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and a student loan and a XXXX XXXX account was opened up in my name. I sent a letter to the credit bureaus but they just updated it as if it were accurate. 

I just recently got wind of the identity theft and went to the credit reporting agencies immediately after I found out. 
I think this is unfair and under the FCRA A consumer may elect to have consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit transaction that is not initiated by the consumer
Product: Debt collection

I was notified via my employment that I was having wage garnishment begin on my next paycheck XX/XX/15. However, I have never been served or formally notified in person of any possible litigation action against me. It is my understanding that legal proceedings can't occur without properly being served and notified of such action. Yet, the first I hear of a lawsuit against me was today, XXXX when my company notified me of garnishment. This leads me to believe that somewhere along the lines, XXXX, or this legal company represented by XXXX XXXX ( Bleecker Brodey & Andrews ) managed to improperly get a judgement and wage garnishment against me. I personally have a witness that lives at my current address who vouges for the fact that I was never formally notified properly of any pending litigation against me. 

Having been the executive over large collection and recovery operations for top 25 financial institutions, I believe that somewhere along the path one of these companies is falsifying records of being properly served. And, having been through a number of CFPB reviews while serving as the Collections and Recovery executive in the past, I know this type of behavior is absolutely not supported by the likes of the CFPB. I request that all judgements and actions against the judgement be removed from my records. Thanks!
Product: Mortgage

We have a mortgage on our home which has been sold multiple times to different lenders. Because the property in question is a condo, it requires hazard insurance. I provided proof of insurance to the company through the US mail, as well as through their web portal -- I even requested an acknowledgement that it had been received. The company did not acknowledge receipt of proof of insurance. I received a letter today stating they were purchasing insurance for the property, and that I would be responsible to pay for it.
Product: Credit reporting or other personal consumer reports

Ive called EXPERIAN, XXXX, XXXX, once but the one Ive contacted multiple time starting in XX/XX/year> when I was approved for my first credit card in regards to why do I not have a credit score they XXXX answered to give it another month so it can be posted 2 months later called and was told I had to have credit for 6 months then it would automatically post Im at XXXX months now and still nothing Ive looked online and did some research and came to the conclusion that the very first month of me having my own card in my name only I should of had a credit score, Im on not able to work on my credit because of this and am paying a lot on interest for this card and I cant look for any better because I have no credit score what so ever all Im asking is what anyone is able to obtain a credit score thats it I feel for some reason Im being discriminated against for unknown reasons and the runaround and lies are overwhelming.
Product: Debt collection

Dear Sir/Madam, I am writing to formally request, under the provisions of 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), that you immediately cease all communication with me regarding the alleged debt associated with XXXXXXXX XXXX 

As per the FDCPA, I am exercising my right to demand that you discontinue all communications with me, including but not limited to phone calls, emails, letters, or any other form of contact. 

I understand that under 15 U.S.C. 1692c ( c ), once you have received this written request, you are legally required to stop communicating with me except for very limited circumstances ( such as informing me of the filing of a lawsuit ). I do not wish to receive any further contact from your agency regarding this account.
Product: Checking or savings account

On XX/XX/year>, XXXX XXXX attempted to make a single deposit of XXXX checks into the US Bank ATM located in the parking lot of XXXX XXXX XXXX XXXX XXXX, IL, in front of XXXX XXXX XXXX corporate headquarters. The first check was for {$10000.00} and the machine appeared to register this check without problem, then asking for the second check of {$730.00}. While the machine was registering this second check, it appeared to experience a power loss or some other problem that rendered the machine unresponsive and inoperable. A receipt was not received, but the machine had taken possession of both checks. 

After XXXX claims have been filed and over a month has passed, we have finally been notified of a provisional credit to our account. US Bank has made numerous errors and we have lost time and money ( % that should have been earned ) in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect my credit information and is not fixing the problem.
Product: Credit reporting or other personal consumer reports

-Please see attached letter. I did not deal with these companies.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the blocking and deletion of the following account and associated inquiries from my credit report, as I am a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$340.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report that I do not recognize, and in accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XX/XX/21 XXXX  XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21
Product: Credit reporting or other personal consumer reports

I have previously requested a proper validation of debt and method of verification from the credit reporting agencies and have yet to receive anything of than an outdated bill. this debt collector is willfully continuing to be in non compliance with the FCRA. they are not treating my request seriously and doing bogus investigations and reinvestigations. They are not providing me. This has already been found unverifiable on XXXX credit reporting and removed yet they have not removed this from the other XXXX credit bureaus XXXX and XXXX. This is my last attempt to have them make this right and take this seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

There stating on my report where everyone sees that I owe this money to sandtander well that's not true I sent it back an also XXXX I never ordered that I've had people call me up an ask me if I ordered XXXX  I've never have an I'm XXXX an I don't want this XXXX other people got my social security number from some where cause 2 yrs ago I had a police officer tell me over the phone that I did something wrong then realised how could I have if I'm in XXXX an this happened in XXXX XXXX an I was in XXXX  for a XXXX so yeah I want this stuff off my report I'm tiered of this I can't get any thing I'm so angerie so I'm telling u that the names also on the report I no how to spell my name this is rediculise I'm embarrassed of this XXXX but I shouldn't be I didn't do this I want it off my number is XXXX XXXX call me tell me what's happening XXXX im innocent .thank u XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following account need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit reporting, credit repair services, or other personal consumer reports

These Credit Reporting Agencies XXXX, XXXX and Transunion have furnished false and deceptive information without my consent. I did not authorize nor did I benefit from the reporting of these accounts and unknown inquires. Congress already found and declared that they have assumed a vital role that they do not have and that they shall exercise their grave responsibility with fairness and impartiality. They must respect the consumers right to privacy, and confidentiality. This information is not fair and equitable to me the consumer and I am requesting you update the information to my written instructions.
Product: Debt collection

To whom it may concern, Other then myself numerous family members have been receiving calls from XXXX XXXX XXXX real results debt collector XXXX XXXX, NJ phone # XXXX. I would like for this company to only contact me through mail and leave my family that live in XXXX XXXX, ca and XXXX, New Mexico alone this is not their bill it is MINE. The only reason I know of this collections because I receive emails from my family and I would like for it to stop.
Product: Bank account or service

DISCOVER BANK WOULD NOT ALLOW ME TO CASH MY CASHBACK BONUS BALANCE ON MY CHECKING ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a client of XXXX XXXX XXXX since XX/XX/2020 to fix, dispute and correct inaccuracies on my credit report file monthly with the 3 major bureaus. 3 years later, ALL 3 credit bureaus still have incorrect information concerning my personal information as well as my place of employment. This must be addressed. XXXX XXXX XXXX has all of the information and paperwork regarding my history and relationship with them.
Product: Student loan

This letter is to notify you that I no longer am disputing the account number above. 
Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this letter.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, catching me off guard. I checked for mistakes, refreshed the page, but the inquiries were still there. This situation has left me really frustrated, and I want the documents I sent to be checked with care so that I dont have to worry about these mistakes repeating.