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

I called Equifaxafter I purchased a credit report from XXXX on XXXX, 2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required 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.

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. CAPITAL ONE has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with CAPITAL ONE, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting CAPITAL ONE delete this entry immediately and provide me with a copy of the correspondence sent to the Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

I deposited XXXX cash to a Bank of America atm and the atm malfunction and credited XXXX to my account on XX/XX/XXXX. I contacted Bank of America to notify them of the error just for the banker to do the claim wrong was notified by second banker that claim information had been submitted inaccurate.I filed a complaint wit the occ Case # XXXX and afterwards account was placed in the negative for XXXX on hold
Product: Credit reporting, credit repair services, or other personal consumer reports

When I terminated XXXX XXXX service at a previous address I was not under contract yet XXXX assessed a {$30.00} early termination fee that they refused to credit. Ultimately I was not aware that XXXX claims to have sent this to collections and paid the {$30.00} immediately when I found out. However, as a result of this erroneous charge, which never shouldve been billed to me in the first place, and which has been paid off in fullmy TransUnion credit score decreased over 100 points, to where I cant get approved for the best mortgage rates and I was just denied for a credit card. Worse, I have disputed this factually with TransUnion three times and yet it still remains as a negative sharply, depressing my credit score, especially when looking at the difference between my TransUnion score and the other two agencies. How a {$30.00} charge could have such a negative and disproportionate impact on a credit record that is otherwise flawless, eludes me and I want to fix it because this is an injustice not just for me, but for so many other consumers, who are held back from their American dreams by the most trivial information with no accountability to correct errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrong addresses and phone numbers on my credit report, I have not lived at all these addresses. There should only be one address on there and that is XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX that's it. Please remove them from my credit report because they are inaccurate.
Product: Debt collection

keep receiving harassing calls threats insults from creditor, per the fair credit reporting act i never share or gave anyone authorization to share my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with XXXXXXXX XXXX as well as the Credit Agencies to CORRECT the INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have NOT received an Answer to the 3rd Request to XXXX regarding a specific account ( s ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. XXXX Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT Completely ignoring the Law. I want the utilization corrected immediately!
Product: Credit reporting or other personal consumer reports

My name is XXXX and this statement is being composed by me. Per the fair credit reporting act, accounts should not be furnished on my consumer report as they are in VIOLATIONS under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had filled a resent complaint against Bridgecrest and you can look it up since than I have had nothing but trouble getting documentation form them stating where I signed stating that when they bought my defective vehicle back from me I wasn't entitled to any of my payments back for not selling myself defective car they did. If it isn't written down I'm owed that money back XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 603A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/or authorized the release if any goods or materials under these listed accounts. I wish to dispute these fraudulent items under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows : 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

This is my third attempt to explain precisely what the issue is. Previous complaint # XXXX was closed. I will elaborate. 

In XX/XX/2016, my small business opened a Credit Card with XXXX XXXX. This is a business account, not a personal account. The business is an LLC, and has all necessary documentation filed with the state as well as a EIN # for tax purposes. It should not be on my credit report. Experian and XXXX will not remove this business account from my credit report. XXXX XXXX removed it from my report without resistance. 

I did not agree to a personal account, I specifically asked the agent on the phone for a business card. I was assured by the agent at XXXX XXXX that this was a business account, not a personal account. Repeated inquiries to XXXX XXXX were made after the account was opened, and I was assured over and over that this is a business account. the credit reports ALSO list it as a business account. I do not understand why it continues to be tied to my personal credit report. I would like to know the truth as to why this remains on my credit report. Was a misled into a credit product that is actually not a business card?
Product: Credit reporting or other personal consumer reports

My personal information has been stolen due to data breaches by several companies including XXXX and several other companies and credit cards were opened I had no idea about now there are collections that i want removed asap.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Comsumer Financial Protection Bureau ( CFPB ) the document needed and a letter from advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Iam a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX  XXXX bank {$710.00}. XXXX XXXX {$1600.00}. XXXX  XXXX bank {$33000.00}. XXXX XXXX {$1000.00}. XXXX XXXX  $ XXXX XXXX {$2300.00}. XXXX bank {$200.00}. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX. XXXX XXXX XXXX XXXX. Bank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I went to cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off. I've contacted the FTC regarding this and also the police. I'm doing this on my own. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged by a company ( XXXX ) for {$16000.00} on XX/XX/XXXX and the transaction posted on the XXXX. I called in on the XXXX to report the transaction since I didn't do it. I have done business with them in the past but not for {$16000.00}. All my other transactions were under {$500.00} with that company. I have contacted the company for a refund but they won't give me one. I have not received a product or my money back from Bank of America. I filed a claim and they said that I authorized the transaction which is false. They advertise {$0.00} fraud liability but now I'm out of {$16000.00}.
Product: Payday loan, title loan, or personal loan

We paid our loan off in the amount of XXXX on XX/XX/XXXX. Payment was made by our title company. At the same time we submitted a payment of XXXX that was also processed on XX/XX/XXXX. This resulted in an overpayment of XXXX that we were to be refunded back. We had received an email from customers bank on XX/XX/XXXX stating there was an over payment and it would be credited to the account they had on file. We followed up XX/XX/XXXX and received an email stating there was no over payment. We called Customers Bank on XX/XX/XXXX and we were told it was a system issue and they had lost the data and could not process refunds. We have called customers bank today and were told there was a complaint filed but it would take 10 days before we would hear anything. We feel this is essentially stealing and fraudulent.
Product: Bank account or service

I have previously made a complaint to the CFPB about Citibank not honoring their commitment to give me XXXX Thankyou points ( see CFPB complaint XXXX ) They agreed to give me the XXXX points within 30 days. of their letter of XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and they have still not given me the points even after six phone calls and no return phone calls.
Product: Credit card or prepaid card

In XXXX XXXX XXXX  sent my check # XXXX to my Walmart/ Capital 1 card in the full amount WITH PLENTY OF TIME, as i usually did. The card Bank had changed to CAP 1.. They either lost my check in their mail, or did not get it. My credit at the time was XXXX Excellent.. They wanted a late fee. I told them to wait and check for the mail, as the Post Office was having problems delivering and Covid was at a high. I also mentioned to them i was not responsible for Post Office problems.. They did not find the check, so i sent another one to them on XX/XX/XXXX # XXXX along with a copy of my checkbook first mailing of the first check.. They then hit me with another late fee saying the second check came 1 day late. I told them that no other Credit card i had would treat me like this and would have dropped the fees. After speaking with many Mgnr 's and many letters from cap 1 Bill. They always said they could do nothing. And the fees grew from around {$29.00} to XXXX i Sent letters online to Walmart and paper to the credit card Co. Told them i would not pay this abuse, that this was despicable action against a XXXX yr old Senior.. they knocked my credit down to XXXX. And got a collection agency after me ; after explaining to the collection agency the situation they dropped the case and notified the Credit card Cap 1. My credit has improved to FICO TO XXXX GOOD. BUT WANT MY EXCELLENT RATING RESTORED. And warned Cap 1 i may take them to court and sue them .I would appreciate any help Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is already been paid on full I ask them to deleted they refuse same as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company called my boyfriends number 6 times in a matter of an hour - told him each time they needed my address to deliver important documents. He refused to give them any information. I then contacted the company who refused to at first refused to give me any information on who they were, what the debt was for. Was asking for the last 4 of my social security number ( which I refused to give until they identified herself ). She said her name was XXXX and She was calling on behalf of Financial Credit Services - I told her I would not give any personal information unless she informed me on what exactly the debt was for. Her response was " that 's fine, just be ready to continue to get calls. '' I then told her that since she decided to threaten me with more harassment that I would be contacting an attorney and the BBB and informed her of the statute of limitations on debt collections. She quickly would email the documents ; I asked when and from whom and she said " the office lady when she gets back ''. I asked for a time frame and she could n't give me one and seemed rushed to get off the phone with me.
Product: Mortgage

For several years, my homeowners insurance premiums have been paid by Wells Fargo directly through my mortgage account. I typically receive a statement from my insurance provider, XXXX XXXX XXXXXXXX, indicating that an invoice has been sent to the bank, followed by timely payment from the bank, which is then added to my mortgage balance. However, for the past XXXX years, there have been failures in this process that have led to serious consequences. 

Last year, I was able to intervene before the termination of my insurance coverage ; however, this year I received a notice of termination from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- due to non-payment. As a result of this termination, I was forced to reapply for a new policy with a broker -- effective XX/XX/year> --, which has been an additional burden during an already stressful time. This lapse in coverage is concerning, and I feel compelled to take additional steps to prevent this from happening in the future. 

Despite my attempts to resolve this matter through customer service, I have not received a satisfactory response. Instead I've received an intimidating letter from Wells Fargo Bank, stating that a " ... significantly more expensive ... '' insurance policy may be purchased by the bank to for any period that there is a lapse in coverage. I would like to request an immediate investigation into this issue and a written confirmation that my homeowners insurance payments will continue to be made on time going forward. It is crucial for me to ensure that I am not held liable for any lapse in coverage that is a direct result of the bank 's failure to fulfill its obligations.

I appreciate your prompt attention to this matter and look forward to your swift response. Feel free to contact me at your earliest convenience to discuss how this issue can be resolved or should you need additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX XXXX XXXX that someone opened a store credit account in my name without my knowledge on XX/XX/2023. I was told the credit card application was instantly approved for {$400.00}. That person then attempted to use the card at a store in Florida on XX/XX/2023 but the transaction did not go through. 

The inquiry for that credit card application is on my record and I would like to dispute that inquiry since it lowered my credit score. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been harassed via phone calls by debt collectors like firstpoint collections saying i owe {$1400.00} & XXXX, a {$10000.00} credit card from XXXXXXXX XXXX {$680.00} from XXXX XXXX and an auto loan from XXXX  that i'm not aware of. I have asked these companies to stop calling me and to remove these items off my report after disputing them in 2022. I have been denied credit and can't move on in my career with these items being reported on my name
Product: Checking or savings account

I have been banking with JP Morgan Chase for over 3 years and have had many fraudulent charges on my account upon my own investigation found they have been exploiting and deliberately targeting elderly accounts with fraudulent charges and bank fees deliberately finding things in their favor against customers of age to explore and extort money from the elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is adding payments to a charge off each month and has not disclosed the purpose of the additional amounts or provided statements explaining the amounts. Furthermore, a judge dismissed a warrant in debt in XXXX of 2019 as it was determined this debt does not belong to me. I have disputed the account with the credit bearous several times and it continues to come back verified or updated. This is a violation of fair credit reporting. I have the court documents but can not upload on this page for some reason.
Product: Credit card

I notified Dillard's/Wells Fargo Card Services that my payment for XXXX 2015 was late because of severe XXXX in the XXXX area. Dealing with the real life events in XXXX, I overlooked paying my bill. Immediately once things returned to normal I called and made the required payment and even offered to go on Auto-Pay. Dillard's/Wells Fargo card services said they would remove the late credit reporting, but have yet to do so XXXX weeks later. I do not think I should be penalized due to XXXX in my hometown and the fallout from that.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 {$12000.00} I Called my XXXX XXXX XXXXXXXX on XX/XX/2022 to tell them that {$12000.00} was stolen from my account using Zelle. Today XXXX they sent me a letter saying my claim can not be honored, because it showed that the amount was transferred from a device that is consistent with previous valid account and that transaction was validated using an authentication code sent to a valid phone number. 

I have no clue how this happened. I believe my computer was hacked and that the person logged into our bank account put his name on the zelle list and transferred himself the money. I got the email as soon as the transfer happened and I contacted my bank to put a stop to it ; however I was told that it can not be reversed.