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

==== XX/XX/2023 : I am writing on behalf of myself and other people who are XXXX and who have ABLE checking accounts with Fifth Third Bank XXXX XXXX, OH. These accounts do not pay any interest. This is not acceptable in the current economic environment. For several months, various banking institutions have been advertising XXXX month CDs paying about 5 % interest, yet Fifth Third Bank XXXX XXXX pay 0 % interest on ABLE accounts. Fifth Third Bank should be required to offer a CD that pays some interest. If Fifth Third can not cooperate, a different bank should be chosen for ABLE accounts. For a description of ABLE accounts, review the website of the XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Credit card

I received a letter from First Progress stating that my secured credit card was restricted for security reasons. The letter also provided a balance of {$90.00}. I have had my card in my possession at all times and have never entered my card information online. My card was opened around XXXX of 2024 and I have only charged the card once. It has remained in my possession. I logged into my account to verify the charges. When I contacted them to ask if there was a breach in their system that they failed to inform me about, they did not confirm. I have no other letters from them regarding a breach and I have reason to believe that someone in the company has fraudulently used my card information and may be using others as well, because there is no way possible anyone can have my secured credit card information. This is my first credit card ever and I do not give the number to anyone and have only used it once to buy some gum. They informed me that they would investigate the charges which includes a charge of {$87.00} and associated Foreign currency transaction fee of {$2.00}. They informed me that it will take 2 billing cycles and that even though I did not authorized the transactions, I have to pay the {$2.00} transaction fee until the investigation is complete within 2 billing cycles. This is not appropriate. I am requesting the CFPB oversee the investigation and determine if this is a widespread issue with First Progress as I do not appreciate not being able to trust that my information is not compromised from the very company I have created a financial relationship with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint today to inform you that I have been a victim of identity theft. I conducted research on how to remove fraudulent accounts and information from my credit report, and I discovered that I need to visit the Federal Trade Commission ( FTC ) or XXXX XXXX XXXX to file a report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove and block any items listed on an identity theft report. Please find the attached documents that will assist in blocking the erroneous information that is being posted on my report. Here is a list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$440.00} 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 XXXX According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft within four business days of receiving the information.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Debt collection

Midland Funding LLC sued me and secured a default judgment using a process server that lied in an affidavit of service. The process server was punished by XXXX Department of Consumer Affairs. Midland never provided me proof that they owned the debt prior to suing me. I was never notified of the assignment of my XXXX account to Midland prior to the lawsuit being commenced. Midland continues to garnish my wages even though they know that I am the victim of sewer service and that I dispute the debt. I complained about this to CFPB ( CFPB case # XXXX ) but my complaint was against XXXX ( the original creditor ) since I thought the debt was one covered under the consent order between XXXX and the CFPB. XXXX notified me that this account was not covered under the Consent order and informed me that Midland would be in touch with me to address my complaint. I have not heard anything from Midland as XXXX had promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
BEST EGG XXXX  Open Date XX/XX/ Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act the creditor of XXXX XXXX and Discover has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681, section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.
Product: Vehicle loan or lease

PNC Bank is falsely advertising they give loans to those with bad credit scores on XXXX XXXX in order to gain applications but then deny you after dinging your credit again! I work for the XXXX XXXX XXXX XXXX and fell behind on my car note with XXXX XXXX XXXX a few months ago only a few months before it was paid off while off work on unpaid XXXX XXXX and am only trying to refinance the balance left due on that loan {$5800.00}. I have nothing on my report but my paid on time student loans, make {$55000.00} yr and always paid my bills perfectly until this happened. I applied online specifically because XXXX XXXX and PNC stated they help those to refinance with bad credit as my score fell to XXXX after I fell behind. I was denied and so I called and spoke with XXXX who not only acted as if I was a complete bother and tried to rush me off the phone, refused to listen and kept talking over me but did not even provide her name, I had to ask for it at the end of the conversation! I then asked to talk to her manager and she refused to allow me to, claiming they were busy!! She needs to be fired she has 0 customer service skills, is rude and does not do her job!! I then tried to call the corporate office and saw they have almost one star ratings online for good reason!! Their phone numbers listed also did not work!!
Product: Debt collection

On XX/XX/year>, I submitted a formal request to the creditor or collection agency seeking proof that I am the party responsible for the alleged debt in question. Specifically, I requested : 1. Verification that I am indeed the party obligated to pay this debt.

2. Documentation of a valid contract or agreement binding me to this alleged debt.

In response, I was sent a statement, which does not satisfy my request for proper validation or proof of a binding agreement. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to detailed validation of the debt, including evidence that I am legally responsible for it.
Product: Credit card or prepaid card

On Monday, XX/XX/2022, I spent over an hour researching a vacation flight for my family of XXXX. I found one which met our needs. And I completed the airlines lengthy form with our names, birthdates, seat selections, etc. 

When I put my debit card information into the system CHASE DECLINED THE PURCHASE. THEY HAD NO REASON NOR RIGHT TO DO SO! There were funds in my account to cover the flight costs. I have not had any fraud associated with my account. It was an arbitrary and unnecessary act.
Product: Debt collection

XXXX XXXX of The law firm Gurstel Law firm, represents plaintiff, XXXX XXXX XXXXXXXX XXXX, has served my husband, i was not at home at the time, with a complaint against me, owing {$4500.00} within the past 4 years. 

I immediately, looked up my credit score, and found phone numbers and employment position, which doesn't belong to me. 

The plaintiff has never contacted me before, and I never received prior inquiries for this debt. 

I filed a dispute with XXXX for the following : 1. debts, and 2. the wrong phone numbers, 3. and wrong employment description The plaintiff complaint is unverified, as it never belonged to me, i never opened an account with XXXX XXXX XXXXXXXX XXXX XXXX 
Shouldn't the Plaintiff be required to provide verification of debt? 

I do not have any responsibility for the debt the law firm is trying to collect. 
If they have good reason to believe that I am responsible for this debt, mail me the following documents : 1. Proof i opened the account 2. Proof of the transactions & statements 3. Proof of prior attempts to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

I had GoPrime Mortgage of XXXX XXXX complete a unauthorized Hard Inquiry on my credit on XX/XX/XXXX. 

I submitted an application early XXXX. On the XX/XX/XXXX we emailed about credit pulls. I requested to be notified before the credit pull, XXXX XXXX of GoPrime responded he would need email authorization. I responded on XX/XX/XXXX that I would need it done before XX/XX/XXXX since I already was shopping around for rates with other mortgage lenders. I never heard a response from him until XX/XX/XXXX after this unauthorized incident. On XX/XX/XXXX I email XXXX XXXX stating that I was withdrawing my application. I also attempted various time to speak with him over the phone but kept getting his secretary who I also notified of my withdrawal. Today XX/XX/XXXX my credit was pulled by XXXX XXXX on behalf of GoPrime Mortgage without my approval. I notified XXXX XXXX and he contacted me via phone stating he would investigate, but also stated he didn't know what a resolution would be.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove the account from my report it is hurting my ability to obtain credit.
Product: Debt collection

fraudulent contract I have a different copy than the one this company has they also repossessed my car and never sent me a letter about the debt within 5 days as required by law they have now hit my credit with 42 months of negative charge off
Product: Credit reporting

XXXX Violation : will send attachment and copy credit report where my medical information : XXXX, ARE Listed. XXXX interview are pulling and seeing my confidential medical condition. Negatively affecting my credit report. Want to purchase a home. I want to be compensated {$2500.00} for each violationThank you, XXXX XXXX my daughter : XXXX XXXX is POA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a registered letter ( XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian Credit at XXXX XXXX XXXX, XXXX TX XXXX, enclosed with a letter was a copy of a XXXX, the registered letter was received by Experian on XX/XX/XXXX per USPS Tracking website. The letter regarded XXXX XXXX acct # XXXX, and the balance of {$1900.00}. I have disputed the validity of this account on several occasions asking for written documentation pursuant to Sec. 609 but never getting it only to say the creditor verified the information as correct. In this letter I sent a copy of a just recently received ( XX/XX/XXXX ) XXXX from XXXX XXXX ( creditor ) which showed the date of indentifiable event as XX/XX/XXXX, and an " AMOUNT OF DEBT '' as {$1500.00}, so how did this ever previously get verified? Now today on XX/XX/XXXX, after more than 30 days after my most recent letter I called Experian to find out the status of the most recent dispute, I spoke to a customer service rep by the name of XXXX ( may not be spelled correct ) of TEAM IMPACT. after a brief hold was informed she was able to locate my sent documents but they where NEVER forwarded so a " DISPUTE '' was never opened nor sent to the creditor for verification but NOW, today XX/XX/XXXX, would be sent and it could take 30 more days. I explained thats why things are sent by registered mail and the 30 days starts when received, she went on to say, she went in and corrected the balance to reflect {$1500.00}, when I explain they where in violation of the FCRA, she had nothing further to say. At that time I asked to speak with a supervisor, the CSR took my contact information and said no supervisors where available at the time, I asked when I should expect a call and she said within two ( 2 ) hours, needless to say the time came and went without a return call.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian disputed accounts are sent back as verified and are entirely inaccurate, incomplete and represent very serious errors in their reporting. Company is in violation of 15 U.S.C. 1681. Experian required under the FCRA to have properly verified the accuracy of accounts listed on my credit report with physical documents.

Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that Experian cant just verify my accounts by telling me they are verified. Nor can Experian verify my accounts by telling me to contact the creditor of the accounts I disputed as Verified. This means that IF Experian cant send me proof of these accounts from THEIR COMPANY, it must come off. 
All in all, Experian has ignored my request to provided me with the documents that it has in their files that Experian used to verify the disputed accounts which means that Experian have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to ... promptly delete all information which can not be verified. 

I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. 

XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. 

XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. 


Experian fails to comply with federal regulations by credit reporting agencies. Experian is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help removing this negative accounts that TransUnion is reporting and hurting my credit score, they are as follows : XX/XX/XXXX XXXX XXXX amount {$480.00} XX/XX/XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$490.00} Please help me in removing and resolving this issue, thank you.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 EQ REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Money transfer, virtual currency, or money service

XXXX and XXXX where a XXXX of XXXX came from my cash app.. and every time to try to talk with someone I never gets them and they have no customer service number.. like how we get or help
Product: Mortgage

since SPS has been servicing the loan ; its been a nightmare SPS does a bpo of my home every 3 months they never dispute the value each valuation is way out of range and too high from the realtor its never corrected SPS uses wrong valuation and do not account for the affordability over and over again
Product: Checking or savings account

On XX/XX/year>, around XXXXXXXX XXXX someone withdraw XXXX dollars from my saving account with Wells Fargo using an ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX. I never did or authorized that transaction, neither ever received an alert from Wells Fargo to my phone. They denied to refund the money even when I sent them a police report, an under oath declaration notarized by a police officer and a case number. They resend me the same letter saying that there is not evidence of a fraud. I had never been in that city before the date I filed the police report. They did not protect my money. I work hard and I have XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I felt robbed and unprotected.