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

My employer had attempted to direct deposit funds {$1200.00} on my account at Regions bank on Friday XX/XX/XXXX and my daughter had attempted to transfer funds {$20.00} to the same Regions account on XX/XX/XXXX. After calling Regions customer service on Saturday morning no one informed me that the account had been closed due to lack of activity. I have gone the last 5 day speaking with at least 7 different representatives at Regions customer service and none of them informed me that the account had been closed and the funds had been rejected and sent back to the perspective payers. I visited a Regions location in XXXX XXXX and spoke to the Branch manager who finally informed me that the account was closed but had multiple documentation that the account was closed and I would have to go into a branch to discuss the situation yet none of the previous individuals that I talked to informed me of that nor did I receive an email, phone call or parcel indicating I needed to do so. Now my employer has to receive the denial of funds from Regions which may take 2-3 additional business days as well as my employer will take 5-7 business after receipt of denial of funds to reissue me another check. This has put me in an absolutely devastating situation where as I and my family may be evicted from iour home, my car repossessed and loss of emplyment because I ca n't get to work. This is of no fault of my own because had I know I would have taken the appropriate steps to prevent this from occurring. Now I am at a point of shear desperation as to where my family and I may have to find a place to live and obtain another means of transportation and possibly employment after only in the last 30 days gaining fulltime employment. I am in need of immediate compensation to prevent me and my family loosing everything and having to start over again.
Product: Credit card

In XX/XX/year>, I was the victim of a sophisticated cyber-attack by cyber criminals who gained root level access to my home computer and the credit card information stored on my computer in the XXXX XXXX file. Information from XXXX  different credit cards was stolen and immediately used to purchase a type of digital gift card. All three credit card companies recognized the suspicious rapid fire purchases activity, stopped subsequent transactions, and notified me. I immediately made a report of theft/fraud to each credit card company, filed a police report, and cancelled my credit cards. Two of the credit companies ruled I was not liable for the fraudulent purchases and refunded the money. However, Target Card Services refused to speak with me and despite trying to work with the fraud department ruled I was liable. I submitted a copy of the police report and written two letters. Target Card Services actions continue to revictimize me and are blatantly unfair since they themselves identified the suspicious activity. I did not authorize the activity taken by the cyber-criminals on XX/XX/year>, and I do not know the cyber-criminals who committed this crime. Further, I have not benefited from their criminal actions. I am filing this compliant for record and to seek the CFPBs assistance. My Target fraud compliant number is XXXX.
Product: Credit reporting or other personal consumer reports

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 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 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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: Debt or credit management

I purchased some items from XXXX through the XXXX bank regularly, and paid my regular monthly payments and more, and occasionally a lump sum of money to clear my debt and close my account, and didnt purchase any items for at least 7 months.After a while they increased my debt to about {$1200.00} which wasnt right, I sent them letters and emailed them to provide me with a statement of breakdown of my purchases against my payments, which they never did. 

Anyway, I gather they reported this to credit companies and that impacted my credit score.

I need that to be fixed please. 

Appreciate your time and patience with me and my XXXX as my second language.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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: Debt collection

I have received a notice from CCS on behalf of XXXX XXXX XXXX Policy # XXXX XXXX XXXX regarding a balance, they claim I owe. I requested to get a QUOTE ONLY around XX/XX/XXXX, for a XXXX XXXX XXXX ( XXXX # XXXX ) The car was added to the policy without my knowledge. The owner of the vehicle traveled out of the country on XX/XX/XXXX, and got back home at the beginning of XX/XX/XXXX, and by then I had already gotten a quote from another XXXX XXXX that would start on XX/XX/XXXX. I had properly requested XXXX to cancel my car policy effective XX/XX/XXXX and sent me a refund if any to my address on file. They claimed my policy was canceled on XX/XX/XXXX because I didn't pay the full new monthly charge. I'm not responsible for any charges on this vehicle nor I gave the XXXX XXXX XXXX XXXX authorization to add this car to my policy, if added to my policy it means that it was completely a misunderstanding on behalf of the XXXX agent XXXX XXXX. Please correct this issue as soon as possible and stop definitively and future collection attempts.
Product: Debt collection

While trying to take out a loan to finish my last semester of school I was denied because of a fraudulent account opened in my name. I've sent multiple letters to this agency about this not being my account. I even contacted the apartment complex and they couldnt find an account that was associated with my name. I've completed and sent a fraud affidavit via certified mail. I see they received it, but nothing has changed. I also faxed and sent a police report and provide proof of residence. My complaint is against PRO COLLECT. My information was used to obtain an apartment, 3 credit cards with CLs of {$300.00}, {$5000.00}, and {$5000.00}, cable service, and a cell phone. I am a victim of identity theft and I placed a fraud lock with ALL CBs. I've completed the proper steps. Notified the creditors and also obtained a police report.
Product: Mortgage

This complaint is regarding XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I originated 6 loans with XXXX XXXX XXXX in XXXX XXXX South Dakota. I made all 6 XXXX and XXXX payments to XXXX XXXX XXXX. 

Sometime in XXXX, 3 of these 6 loans were sold to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, at the direction of XXXX customer service agent, I signed up and created my credentials on XXXX XXXX Secure Messaging System Portal. Through this portal, I made all 3 loan payments. Also on XX/XX/XXXX, I enrolled into autopay for all 3 loans ( see attached confirmation emails ). 

On XX/XX/XXXX, our office received a call from XXXX XXXX XXXX XXXX collection agent. I returned the call on XX/XX/XXXX. I was told that I hadn't made payments since XX/XX/XXXX. The checking account enrolled with autopay maintains a very sufficient balance to cover all payments. I don't monitor this account, hence the function of autopay. 

I immediately inquired with the XXXX representative regarding their reporting to credit bureaus and was informed XXXX has been reporting the derogatory items to the credit bureaus. I informed them that I could make all payments immediately and requested XXXX retract the derogatory credit reporting items. I was passed back and forth between XXXX Departments. I was initially instructed that XXXX couldn't make any changes to their credit reporting and would have to contact the credit bureaus directly. Then another XXXX representative told me to write a letter to their research department and they'd look into it ( see attached letter & XXXX response ). 

Given the conflicting responses and lack of concern for my credit and my financial future, I declined making payments. I inquired with my legal counsel as to next steps and direction to resolve this matter. I was advised by my counsel to make payments and bring account current. On XX/XX/XXXX I made this payment and am now current. However, after receiving an update of address letter on XX/XX/XXXX ( see attached ), XXXX commenced foreclosure without any notice on 1of the other loans and XXXX now won't accept payment. Additionally, 5 days after my initial communication with XXXX, XXXX sent notice of foreclosure on this property. 

I have never received physical mail prior XX/XX/XXXX from XXXX XXXX XXXX XXXX nor had I received any notifications of cancelled auto pay via XXXX XXXX Secure Messaging Portal. 

I was told my a XXXX representative that XXXX was using the wrong mailing address and that their system had noted mail being returned from their mailing address on file. 

My closing disclosure documents with XXXX XXXX denote my personal home address as my mailing address. XXXX has my personal address in their files. 

I need XXXX to correct their mistake and remove all derogatory credit reporting. 

I've spent many hours trying to remedy this with no help from XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX from XXXX Acct # XXXX if trying to collect and debt that was paid on Capital One debt from XXXX was paid through XXXX XXXX XXXX after my dispute was resolved., I have been disputing on my report since XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXXXXXX XXXX account ending in # XXXX. I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments ( different months ) to wrong information reporting.
Product: Checking or savings account

Im an listed as Payable on a death of my mother account at Bank of America. According to the companys website, I went to a branch after her death to submit the death certificate and close the account. I went to the branch on XXXX XXXX XXXX  in XXXX. 2 employees there refused to help me. The account is frozen and they told me I need an appointment, but couldnt tell me when someone would be available to make an appointment with. This seems incredibly fraudulent to refuse to meet with me at all, let alone turn over the account funds to me.
Product: Credit card

I paid my full balance in XX/XX/XXXX and I was charged XXXX $ on a XXXX balance in XXXX. I called they could not fix it or provide any information on why this is the case. I am not paying interest on a XXXX balance. This is stealing money from the customers with deceptive practices and I want them held accountable. I will not pay this and they will continue to add the interest charges a XXXX balance XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is XXXX  me out and making me XXXX. Hope you can address this soon, please.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card accounts. 
ACCOUNT NAME : XXXX  DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Debt collection

XX/XX/XXXX I contacted company via Phone XXXX to inquiry about its listing on my credit report. Company claims to be collection on behalf of XXXX, and stated i owe {$510.00}. I informed Portfolio Recovery that all business with XXXX has and had been settled prior to account being closed at my request in late XXXX. I also informed Portfolio Recovery that reporting a debt to my credit, without notifying me is against FDCP and to please remove their listing and provide me with what ever records, statements, and proof that they may have. To date i have not received any further correspondence, records, statements, phone calls or proof that i owe any such bill. Company continue to verify listing as accurate when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my XXXX XXXX credit card account. To this day the company continues to report to XXXX and Transunion each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to XXXX XXXX who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my 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 XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous hard pulls on my credit as my identity has been compromised. 
no money was misplaced or mishandled but myself XXXX XXXX was listed as an owner of XXXX XXXX which i don't recall giving it out as my personal information as i have never been involved in XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I deposited my retirement annuity check from XXXX into my Capital One bank account. It was verified by their legal department on XX/XX/XXXX to be a valid, good check and the funds were released to me. I paid bills, one of them was my Walmart credit card. I only have a {$200.00} limit on the card so I paid it in full, XXXX. Normally Capital One releases funds to credit cards as soon as a payment is made or posted. This transaction cleared on XX/XX/XXXX but Capital One still has not posted it to my account or allowed me to use the card. Their excuse is this is " unusual '' activity for me. Well actually it isn't, I have done this before. When I have extra money this is what I use it for. But not only did they place a hold on the account for no justifiable reason they are reporting that the card was denied because I was over my credit limit. No, I wasn't, this is a lie. The money is there, they have it, they just are apparently playing XXXX with it or something.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I submitted a dispute claim to remove the XXXX XXXX  off my credit report because it is part of identity theft, and have not gotten a response which is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : XXXX, XXXX  and Equifax. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.
Product: Debt collection

XX/XX/20 received collection letter from Portfolio Recovery, for XXXX XXXX XXXX  XXXX. for the amount of XXXX. The debt owed was XXXX this debt was settled through XXXX XXXX on XX/XX/20 in the amount of XXXX. 
this ac

count stills shows as open collection and has dropped my credit 30 points, as we are in the process of buying a house. I contacted portfolio recovery, they show it as open, yes they are not trying to collect the full amount, but what I had agreed to settle with  XXXX XXXX. They told me to contact XXXX XXXX, which i did. They show it as paid!!! They do not know why it wasnt reported back to portfolio recovery, and said they would send it to the back office, so portfolio recovery is trying to collect on a debt that has been settled 5 months ago, and damaging my credit in the process. I asked XXXX XXXX how is it that portfolio recovery is trying to collect the amount we settled on and not the whole debt if you have had no contact with them?? This is showing up on the 3 major credit reports as and open collection and has dropped my credit score!! It is illegal to try and collect on a debt that has been settled, and settled 5 months ago!!!
Product: Credit reporting or other personal consumer reports

The XXXX credit bureaus never corrected the inaccuracies and according to FCRA, 15 U.S.C. 1681these accounts must be deleted from my credit report. I will attach my complaints and show the inaccuracies in the files I upload. Thank you