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

Dear Factor Trust XXXX XXXX XXXX XXXX, I am reaching out to request an update to the contact details listed in my public records. Specifically, I would like to ensure that my current phone number is correctly added or updated in your database. 

Phone Number to Update : XXXX For your convenience, I have attached the necessary documentation to verify both my identity and my phone number. If there is any additional information or paperwork required to process this update, please let me know. 

I would appreciate it if you could process this request promptly. Please confirm with me once the update has been successfully completed. 

Thank you for your prompt attention to this matter. If you need to contact me for further clarification, I am available by phone at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This past year I noticed a " XXXX unpaid principal balance of XXXX '' on my monthly statement. This XXXX unpaid principal just showed with no explanation. My mortgage is with Wells Fargo Home Mortgage and it is too high for my income. My monthly payment including escrow of XXXX is {$2700.00}. My mortgage payments are adjusted each year as a result of a modification from XXXX. In XXXX of XXXX my total payment increased from {$2400.00} to {$2700.00}. Last year, just before the increase I inquired about having my interest lowered, it is currently XXXX %, I was immediatly told " no ''. I began making my payments late and the harrassing telephone calls from Wells Fargo employees began. They called at XXXX, XXXX, and night on the same day even though I spoke to someone and let them know when I would make the payment. I retired in XXXX of XXXX. I XXXX, from XXXX until XXXX, XXXX did not get a raise from XXXX until XXXX. My income tax statements reveal the decline in income. I spent most of my savings on dental bills between XXXX and XXXX. I love my home and living in XXXX but I am moving to the XXXX XXXX where my family is located and the cost of living is lower than it is here in XXXX XXXX. Each XXXX the interest increased, my total current payment including {$290.00} escrow ( for ins & tax ). Currently my interest rate is 5 % until XXXX XXXX, XXXX, it will go as high as 7 %. The " XXXX Principal Balance '' is currently over {$12000.00}, because late fees of over {$100.00}. are added each month. When I inquired the unpaid XXXX Principal Balance Account I told was it was added because I was late on my payment. I did not realize I had that agreement and everytime I request a copy of the agreement, I am sent a paragraph with my signature. I have no idea what type of document this paragraph is from. I did see where the Special Forbearance Agreement from XXXX XXXX included a similar statement but the forbearance was a temporary lasting just a short time, I never had a XXXX. I was told that I have to pay this XXXX because I am late on my payments. I would like the XXXX removed. Finally, I have a buyer for my house, it is in escrow and should close on XXXX/XXXX/XXXX. Please look into this matter I understand that I have late fees but I do not agree with the second. I was advised to use this web site to file a complaint..
Product: Credit reporting, credit repair services, or other personal consumer reports

I found accounts in my credit report that I didn't originate or applied for, these accounts are fraudulent and need to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> A account was established in my name with out authorization. I contacted the Creditors to inform them that on the dates this account was open I was incarcerated and have no knowledge of this account that's being reported to the reporting agency. On XXXX XXXX I was XXXX  to XXXX yrs with XXXXyrs XXXX  and XXXX yrs to XXXX  day for day. I have sent the confirmation of my XXXX  order from the court along with a time sheet to provide the dates of my XXXX  that I was in XXXX  when this accounts was opened and used under my name.I have contacted Navy Federal Credit Union about the Fraudulent accounts with the highest balance reporting XXXX with a credit limit of XXXX. After sending Navy Federal Credit Union documents of my Court order XXXX  along with a XXXX  XXXX XXXX Time sheets with my XXXX  Identification Card the account still reporting as this account has been verified. I have tried to notify them several times that I was in XXXX  when these accounts was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been submitting information to XXXX and XXXX  about a account being in collections on my credit report and they still haven't removed this negative information
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card or prepaid card

XX/XX/2020 I received an unsolicited USBank ReliaCard ( VISA  debit card ) in the mail with a welcome message asking me to activate this new card. I am not unemployed and did not apply for any unemployment benefits. I tried to call USBank twice today ( XXXX20 ) but I could not get through to anyone without first activating the card which I will not do. Nor will I give them my SS number in order to speak with someone. Someone may have fraudulently applied for unemployment benefits using my identity. I don't know of any other way to resolve this issue than to start with the bank that is issuing this debit card.
Product: Money transfer, virtual currency, or money service

I got scammed by a so called XXXX  account. 
Amount : {$12000.00}. 
After sending out a bunch of emails with no results. 
I decided to take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account 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

XXXX XXXX - XX/XX/year> - XXXX - I am requesting that the account be deleted from my credit report ( Experian & XXXX ). I was advised that the tradeline be deleted once I paid the balance. The account remains on both reports and reflect paid in full on one and settled on another. I also requested validation of debt from the company, but did not receive. I request that this trade line be deleted from my report.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is XXXX, and I did not authorize their inclusion. Please rectify this promptly.
Product: Credit reporting

I disputed this information because this was not my debt. I contacted XXXX XXXX services and I have a XXXX balance. This belongs to XXXX XXXX. The incorrect debt was removed from my credit on XXXX XXXX 2016. I recently just saw that this debt has been reinserted after it was deleted on XXXX XXXX
Product: Credit card or prepaid card

This is an " American Express '' Gift Card that was given by the employer as a reward for an amount of {$2500.00} Unfortunately, American Express does not allow for a security code that I can create to protect the card information in case if it got compromised. 

I just noticed online transactions when I logged in to the GiftCard web page that I didn't make ( from XXXX, XXXX... ) when I called American Express for resolution, they said that I can not dispute charges on an American Express card, they deffer me to XXXX so I can make my request to dispute those charges hoping that they will reimburse those amounts to the gift card then I can call American Express and ask them to transfer the fund to another new card and mail it to me!!! 

I am pretty confident that I never handed the gift card manually and I used it myself at the XXXX at the stores. 

So either American Express got hacked where the gift card number ended up in the wrong hands making unauthorized charges or maybe one of those stores where I made purchases at the POS they got hacked and the gift card number was exposed somehow, but regardless, I feel that American Express as a big company should do better and ensure or give the option for these gift cards to be protected by a PIN number just in case if the card got lost or compromise, it can't be used so easily!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

their is a collection on my report from IC System stating I owe an XXXX XXXX. I mailed them directly disputing this in which they never responded and never reported the account being in dispute. The letter stated I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

sonal Statement All My Passwords, Username, Banks Information, SSN, ID Information Are In My Note On My Phone. someone hacked inside my phone to access these accounts. I had Multiple accounts open in my name, Im still TO THIS DAY getting out my name.
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, XXXX, Equifax, and XXXX delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due identity theft and the data breaches from Equifax/XXXX  which also caused my information to be exposed. Also XXXX with the complaints filed on XXXX failing to properly report. 

The following are accounts that are fraudulent XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Debt collection

i have demanded that Bank of america cease and desist from contacting me about this debt. If this debt was in deed charged off as bad debt. i demand to copy of the 1099c. provide the copy of the 1099c document. if in deed it has been charged off your books. otherwise you have an open account on the banks accounting books as an open asset. that s a violation of the regulation of your charter. Misrepresentations and misleading information is a Federal violation of consumer rights like me. Furnish the 1099c form. stop committing fraud. Stop violating title 18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

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

violation : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Checking or savings account

I transferred {$500.00} from my Bank of America checking account to pay my BoA credit card account on XX/XX/2020. By the end of the day I noticed that the payment had not gone through and I made the payment again. The next day I noticed 2 transactions for the same amount leaving my checking account. This put my account in the red and overdrew it. I immediately called BoA customer service and explained the issue and requested the second transaction be reversed and the money refunded to my checking account. I also requested a refund of the {$35.00} overdraft fee. I want a refund because they did not put through the original payment hours after I  made it, nor did I see it reflected in my account. I rejected overdraft protection when I opened my account as I never go over the limit and I would rather have a payment rejected rather than be charged a fee. BoA keeps changing this setting. I requested it at the beginning of the year as well but they keep making excuses as to what is not included etc. It's not my fault that my account did not reflect the payment I made. This was an internal transfer between 2 BoA  accounts. There is no reason why I should be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are unauthorized. XXXX, XXXX, and XXXX does not want to investigate these inquiries.
Product: Debt collection

They keep repeatedly dinging my credit reports with false info. It is my son 's debt. They change the dates and for 3 years in a row keeps getting put back into my credit reports in  XXXX  with a new date of service.
Product: Bank account or service

The subject of the dispute is inappropriate NSF charges by the bank, and the failure of the bank to respond to communications. After failing to resolve the issue while the account was active, the bank closed the account in write off status. After communicating with others in the Executive Resolution Team I was directed to a manager named XXXX who placed a single call to me on XX/XX/XXXX and left a message. I subsequently returned that call to the Customer Service area extension XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, leaving all relevant information at the time and requesting both contact via email and contact via telephone. To date, I have never received any calls, emails or even written correspondence in regard to this problem. My offer to settle has been ignored, and I can not get anyone with the authority to discuss the matter to talk to me.
Product: Vehicle loan or lease

I purchased through finance a vehicle from XXXX XXXX. It was a XXXX XXXX XXXX. I acquired the loan through Capital One. The dealer offered me to purchase my XXXX in the purchase of a new car. Which they did. They sent all the documents to Capital One. Capital One. As of this day keeps charging me for a car that I don't have. It still showing in my credit record. After I've told them for the past 5 years that I don't have that car. The dealer sent them all the paperwork. If they have an issue ... Call them an quit herrassing. Accussing me of having under my possesion a car that the dealer kept. If they are so smart. That car has a chip. They can find out where the car is. Of course. Not with me. As they accused me. And placing this on my credit report. Which is causing for me not to be able to get good car because of high interest rates because of this vultures stealing money and accussing and herrassing about a car that is not under my possesion that it has not been for the past 5 years, and that the dealer sent all the documents to them. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and in doing so I had to pull my credit reports and found there is an inaccurate item and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 30 days past due twice according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

I have been noticing that my credit report does not have my correct personal information and this is causing these unknown and inaccurate accounts to appear on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that should not be there.