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

Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau Trans Union, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

XXXX  XXXX XXXX / XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months in certified and notarized letters. 

They replied once on XX/XX/XXXX The letter stated the account had be sold to XXXX XXXX which also included a non letterhead computer faded copy of a copy statement. 

On my credit report it's stating XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XX/XX/XXXX. Please help me.
Product: Checking or savings account

We have opened XXXX accounts at BMO Alto : XXXX and XXXX account. Our intention is to have these accounts as joint with me and my wife and have our children as beneficiaries. During the account opening we made repeated attempts to add my wife as a joint account owner. All those attempts were rejected by BMO alto. We called customer service and they said they don't have a way to add a joint account owner
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. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account 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 accounts below : XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00XXXX XXXX XXXXXXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 U.S.C. 16815-2 ( 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. 

XXXX has " XXXX XXXX '' on my report it is an error that needs to be removed XXXX XXXX  states i have had a card since 2016 but the information only reflects XXXX XXXXXXXX XXXX  Account is passed the statute of limitations of the New York State XXXX XXXX XXXX act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX/ bureaus illegally restarted removal timeline after settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and this company processing this bankruptcy are both violating my FCRA and the FDCPA by lying about this verification for this debt. XXXX and XXXX bith removed this public record for being inaccurate and unverified but yet experian refuses to remove it because they dont actually require this company to present any proof of this collection. They do not have the right to allow companies to report unverified information without proof. I have requested a discovery that would include all the necessary documentation to prove this bill as an actually verified collection. They do not have the original contract with my signature agreeing to pay anything to anyone which is needed as proof also they will need to have all terms and agreements with me and the original creditor in order to place this on my report. They also need proof of my identification card as well as proof of my full social security number and address updated phone number etc. They have not provided any of these documents to verify this debt so they must remove it.
Product: Debt collection

Per the FDCPA, debt collectors are not allowed to leave two voicemail messages on the same number on the same day. OneMain called my cell phone number at XXXX CST and XXXX CST. On each call, a voicemail was left. This is a direct violation of the FDCPA.
Product: Credit card or prepaid card

XXXX XXXX XXXX - Called to add {$800.00} to line of credit I needed to wait on approval letter. 
Once accepted, must send {$800.00} within 15 days. 
Send check or money order to XXXX XXXX XXXX, XXXX, GA XXXX Was told what account number to add to memo line. 

XX/XX/XXXXXXXX  - XXXX Called to follow-up on credit increase. 
Received wrong information on XX/XX/XXXX and now I have to start the request over. Looks like I need to send in the {$800.00} security deposit first then First Progress will approve or deny credit limit increase. 
Requested to speak with supervisor regarding quality control and provide feedback on the ill-advised information I previously received. 
I have 15 day from today XX/XX/XXXX to send in the {$800.00} money order. If it is not received in 15 days, the credit increase will be denied and funds will be sent back to me. 

XX/XX/XXXX Mailed money order of {$800.00}. Sent certified-mail. 

XX/XX/XXXX According to USPS tracking system for certified mail, money order of {$800.00} was received by First Progress on XX/XX/XXXX. 

XX/XX/XXXX Letter dated XX/XX/XXXX sent to me saying it's been 15 days and security deposit was not received. Credit increased was denied. There was no additional information as to the time frame the funds will be returned to me. ( Received denial letter on XXXX ). 

XX/XX/XXXX XXXX @ XXXX Called to get the status of the refund. I was informed that I needed to fax a letter to the Back Office ( XXXX XXXX XXXX ) to check on status of my {$800.00} security deposit. 

XX/XX/XXXX Called again to get the status and the instructions on what specific information I needed to do to get my {$800.00} security deposit. Now they're saying it will take up to 10 weeks to get my refund. This is crazy. I have to respond in 15 days.received denial on funds what were received on time. Increase never applied to my account. And now I have to wait 10 weeks to get my money back. I made sure I told the representative I would be reporting them to proper authorities. I will be submitting a complaint to www.consumerfinance.gov and the attorney general of the corporate office of First Progress. 

Resolution : I need my money now or they need to award me the {$800.00} additional credit increase and I want it done in the next 15 days and not in two and a half months. Thank you!
Product: Checking or savings account

On XX/XX/XXXX my wallet was stolen. I then saw a unauthorized transaction for {$940.00} dollars for a XXXX transaction. I saw the charge and immediately got in contact with the bank to dispute the charges. I called to find out whats going on a couple of weeks later and they closed the investigation and is refusing to get my money back. I am so upset with this bank
Product: Bank account or service

My brother, a XXXX veteran, died intestate on XXXX XXXX, 2015. I am XXXX of XXXX siblings, his only heirs. He lived in a XXXX XXXX XXXX in Texas. We hired a Texas attorney to file a Small Estate Affidavit. After a judge signed that, we sent a copy to his VA fiduciary. She ca n't access a CD she opened for my brother because Wells Fargo says the CD was not styled correctly. I have visited my Wells Fargo, who called their legal department, to no avail ; and our Texas attorney called the fiduciary 's bank and they wo n't help. The VA fiduciary has tried at her bank and they will not let her cash the CD to distribute the money. What can we do to get Wells Fargo to get the CD cashed and divide it XXXX ways to the heirs? Our attorney thinks the person at the bank who opened the CD for the VA fiduciary made a mistake. Should n't the bank correct its mistake? How can they withhold the money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for credit and learned that I was denied. After searching many channels to understand the reason for the denial, I learned that my information was leaked through the XXXX data Breach. I am not sure why has happened, and I should not have been denied credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage at XXXX XXXX  opened on XX/XX/XXXX account number XXXX, a personal loan account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, Utility account opened at XXXX XXXX XXXXpened on XX/XX/XXXX, a insurance account opened at XXXX opened on XX/XX/XXXX, XXXX account opened on XX/XX/XXXX. This hard inquiry XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX  as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.
Product: Credit card

I co-signed a Wells Fargo joint line of retail credit on XXXX for a purchase of windows to be installed in my ( now ) exhusbands house in XXXX Florida. As we divorsed, I called XXXX XXXX on XX/XX/XXXX to let them know I was closing the line of credit, which the vendor acknowledged. I closed the credit line with Wells Fargo with a {$0.00} balance on XX/XX/XXXX which Wells Fargo acknowledges. I guess my exhusband installed his windows XXXX and the XXXX XXXX vendor used the closed account to make the purchase of XXXX I called Wells and disputed the charge, as how can they allow a charge to go through on a closed account. Also, why would XXXX XXXX use an expired pre-authorization to charge the installation to, after they were notified the account was closed. 

The Wells account currently has a {$6200.00} balance on it and the account still reports closed. 

Thank you for any guidence you can provide.
Product: Credit card or prepaid card

I've had all the accounts mentioned below since XXXX with a great pay history. I am a loyal customer that asked to be treated as one not an interest bearing customer. On XX/XX/XXXX, I decided to consolidate all my creditors into 1 bill to become debt free. I mailed checks to payoff accounts to 3 Synchrony Bank credit cards ... Amazon Store Card, Sam 's Credit card, Walmart Credit Card and 4 others. The 4 of those checks to creditors were received XX/XX/XXXX & XX/XX/XXXX and posted to the accounts in a timely manner. Synchrony Bank on the other hand have decided not to post payments either because monthly amount due was due on the XX/XX/XXXX. They did not post the payments to charge late fees and to accrued interest which is unethical. 
I've called Sams, Walmart and Amazon for the past 3- 4 days to update the account in which I'm told they have not received it. USPS says differently because payments were delivered XX/XX/XXXX and/or XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX Original Creditor : XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Balance : {$310.00} ; XXXX  XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX or XXXX XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Student loan

Navient is servicing my daughters student loans. We receive on average 8-15 calls per day telling us we are late repaying our loans. Navient has auto deduct from our checking accounts so there is no possible way we are late. We pay what they told us to pay and yet we are told its not enough. My credit rating went from the high XXXX 's to low XXXX 's. Whenever we speak with a Navient rep, they argue with us and trying to turn the conversation back to us making a payment over the phone. No help from them in any form.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent Equifax the attached letter via USPS signature mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX ( XXXX XXXX in the file they maintain under my Social Security number. 
I was informed on XX/XX/XXXX that the item was deleted from my credit report, since they could not substantiate the account being reported. 
Now, 9 months later on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report without my knowledge. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I received no such notification.
Product: Credit card or prepaid card

I have a TJX Reward Card through SYNCB. Around XX/XX/2018 there is a transaction from a Vendor by the name of XXXX XXXX XXXX. I have contacted SYNCB TJX Rewards fraudulent dispute department advising them of that fraudulent charge. They said ok we are going to replace your card and dont worry you will not be responsible for that charge. About three months later I received a letter from their investigation dispute department and it said that the dispute was in my favor and the good news was that charge never posted to your account. Since then I have contacted them to advise that upon receiving the past statements that they did post the charge for around {$890.00} or around {$900.00}. Since then I have yet to receive any credit for the fraudulent charge.
Product: Debt collection

This company LVNV Funding has posted a debt collection to my account. This debt doesnt belong to me and I have sent written communication via certified mail on XX/XX/year>XXXX  requesting proof of this debt. The amount is XXXX. The account number XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account with TransUnion the account XXXX XXXX. The creditor has not verified the debt as valid. The phone number listed on the report is non working as well as the address non working. I have disputed this time and time again with Transunion and they have not deleted the account since its not valid.
Product: Money transfer, virtual currency, or money service

paypal is the company for the last month i have went to the site nearly daily to pay down my account balance and to make the payment online as i have done for the last few years. every time i go there it says unable to make payments at this time. 

then after several weeks of this i done the online chat to find out they are working on their system and did not know when to expect it to be fixed. 

they then told me after weeks of unable to make payment at this time that i could pay over the telephone or send in my payment. 

this should be posted right where the unable to make payments at this time is and should tell you since hard paper billing is not on to turn it on so you can know where to send the payments to. 

i feel this is like a payment trap for senior citizens in that they may not know how to navigate to find all the information needed or may end up owing late fees due to waiting for unable to make payments at this time, thinking it is going to be fixed and has been like this for weeks with modern technology being as it is, you would think this problem should have been fixed by now. 
what this is telling me is our bank accounts and credit cards may have been compromised with all the hacking into online systems and that the company is trying to fix it or hide it, until maybe they are able to secure the server
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed multiple lawsuits against TransUnion for violating its previous agreement with CFPB, failed to ensure accuracy for tenants, and failure to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as TransUnions 's inaction violates federal law and my rights as a consumer.