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

-XXXX, Equifax & XXXX is violating my federally protected consumer rights.-XXXX, Equifax & XXXX is furnishing a consumer report that claims I have 2 separate accounts from XXXX XXXX XXXX , opened XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
-Also, XXXX , Equifax & XXXX never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) .-XXXX, Equifax & XXXX is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information.-It is clear that XXXX, Equifax & XXXX has violated many of my federally protected rights by furnishing this information on my consumer report. 
-According to 15 U.S.C 1681n ( a ) ( 1 ), XXXX , Equifax & XXXX is liable to compensate me {$1000.00} per violation, totaling several XXXX dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
XXXX, EQUIFAX & XXXX MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a fraudulent auto loan that was opened in my name without my consent or knowledge to XXXX XXXX XXXX My name is XXXX XXXX, and I recently discovered the existence of this fraudulent auto loan during a routine review of my credit report. It has come to my attention that someone, without my authorization, obtained an auto loan in my name, and I am deeply concerned about the implications of this fraudulent activity on my financial well-being. 

I promptly reported this incident to the appropriate authorities, including contacting the major credit bureaus to place a fraud alert on my credit file and filing a report with my local law enforcement agency. I have also taken steps to notify the lender associated with the fraudulent loan and dispute the inaccurate information on my credit report. 

Identity theft and fraudulent financial activity have serious consequences, both financially and emotionally. I am distressed by the potential damage this fraudulent auto loan could inflict on my credit history and future financial opportunities. 

I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this matter and ensuring that my rights as a consumer are protected. I request that the CFPB investigate this case thoroughly and take appropriate action against the parties responsible for perpetrating this fraud.
Product: Debt collection

AmSher bought my debt as a 3rd party debt collector which I gave no permission to sell my debt from a medical bill from prior years and continuously harasses my family members phone who repeatedly told them to quit calling that it is not my phone number.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification on my phone from USAA that I should contact their fraud department for suspicious activity. Upon reaching the department, I was notified of my clients expectations. I was also told that USAA would no longer offer banking services to me for an overdraft. 
On XX/XX/year>, I deposited a check from XXXX to USAA. This check of {$19000.00} was issued from my retirement account with XXXX to pay off a high-interest credit card. It was deposited on XX/XX/XXXX. I could use a portion of the funds immediately. However, I held off because it was stated that the remaining funds would be available in a few days. Within the month, I had made XXXX payment to XXXX of {$870.00} on XX/XX/year>. On XX/XX/year>, I paid XXXX {$17000.00} to repay the loan. My math calculation determined I would have about {$1000.00} left in my checking account after this payment. On XX/XX/XXXX, I received a phone notification and an email that my account had an overdraft charge. I could not reach out to USAA on this date because I was working, but when I checked on the app, I saw that there was no overdraft. The only information I saw was that my employer had paid me. On XX/XX/year>, I received another notification and sat to call USAA, where I was informed that I was - {$15000.00} due to a returned check and an overdraft for fees not available. The first person I spoke to, XXXX, stated that the bank had months to review a deposit, and the bank did not honor the check. 
I was advised to call XXXX and ask if they had pulled the check, to which I confirmed they did not. Another USAA representative could not tell me why the check was returned, except that it appeared that XXXX had not honored their payment with the check. Upon recalling XXXX, they stated the check was valid, provided a valid check, and confirmed that they would not pull a check. I called USAA a third time to convey this message, and it was offered to me that I could submit for a review on this situation. I have requested a secondary review from USAA. 
Based on my phone conversations with staff, there does not appear to be any communication between XXXX and myself. I have been provided vague answers from USAA and dismissed to present my situation to XXXX, who states that have nothing to do with the returned check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX Date XX/XX/2020 2020
Product: Credit reporting 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. 
XXXX- Account XXXXXXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX- Account XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) section 5 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 1681s- 2 ( a ) ( 1 ) A personal shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Our vehicle was stolen along with our devices and cards. It was done by what we thought were friends. We were banking with Wells Fargo and I turned this in to the fraud department, but the fraud department did not recognize that we had a police report, that our devices were logged into accounts with that card information, they were around us multiple times even paying for things and may have seen the PIN number, or anything that I turned over to them with proof.

We were investigated by the fraud department, it was a persecution, and we were told that we were straight up lying and that the account had no suspicious activity. The account had only been funded for XXXX weeks! How do they know our patterns with in XXXX weeks and less than XXXX transactions completed by us? We not only got all the money in our account stolen by these so called friends ( around {$1200.00} ) but the bank charged us {$110.00} which got paid by a direct deposit then immediately closed our account for insufficient funds. 

We pay for fraud protection to protect your money, not take it. So all in all Wells Fargo and their Fraud department as well as their Head Office staff, yes I went that far, took almost {$1500.00} from us with no proof and no supporting evidence to show that it was us. Their story changed every time ( I turned this in I think 5 times ) and my story was always the same, the truth. They told me to take the people to small claims court to recover our loss. Why cant I take Wells Fargo to court for not providing the fraud protection we pay for? Why cant I take Wells Fargo to court for the fees they charged us due to this incident? Why cant I take Wells Fargo to court for discrimination? Financial hardship? Lost wages? These are all things that took time and money away from my business so I have lost wages as well. I cant get anyone at Wells Fargo to listen or respond as once they got that direct deposit and the {$110.00} that was applied for my account being fraudulently charged they closed my account due to insufficient funds. 

Wells Fargo does not protect your assets, they persecute you and keep those assets any chance they get because they can and they get away with it. They are too large of a bank to have any repercussions and they make a good front with all their philanthropic donations and involvement with the money they are keeping from their patrons.
Product: Credit card

Bank of America is attempting to collect a debt that does not belong to me. I was forwarded statements with an account number that does not belong to me. As per my credit report I have outstanding debt on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeated Problem For a MANAGER XXXX XXXX XXXX> XX/XX/XXXX, XXXX XXXX ) to consumer.documents >>> This email is for the EYES and RESPONSE of a Lexis Nexis Manager. Any other use by LexisNexis is STRICTLY PROHIBITED! <<< Dear Ms./Mr.Manager, After using the Electronic Request Form which gave me a Request Failed message twice, and using the POOR Voice " RECOGNITION '' System, I bit the bullet and filed a request with another call to the Voice " Recognition '' System. 

Lexis Nexis responded that my file couldn't be found, this file was supplied to my insurer on XX/XX/XXXX. 

And your company sent me >>> 6 8.5 x 11 mailings<<< giving me the above information. 

( So, as I try again for my report, my Experience with LexisNexis is objectively rated- XXXX, Fouled Up Beyond All ; Reason ) Ms/Sir, I need a copy of the report supplied to my insurer XXXX And a, SIGNED APOLOGY, WITH JOB TITLE for the XXXX XXXX I received! 

. 

A Very UNHAPPY Consumer, XXXX XXXX XXXX. As a point of information any further error in handling this request, will result in Complaints to the Consumer Financial Protection Bureau, LexisNexis CEO- XXXX XXXX XXXX and my Insurers CEO.. 

I THANK YOU for resolving this MESS!!! 

Repeated Problem For a MANAGER [ Incident : XXXX ] 1 message ________________________________________ LexisNexis Consumer Support XXXX Mon, XX/XX/XXXX at XXXX PM Reply-To : LexisNexis Consumer Support XXXX Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. 



-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Response By Email ( XXXX ) ( XX/XX/XXXX XXXX XXXX  ) Dear XXXX XXXX : Thank you for contacting LexisNexis. Your comments and questions are very important to us. 

We apologize for the inconvenience if your recent report request was unsuccessful. The letter you had received is usually being sent if the system could not authenticate one 's information. 

As you were requesting a consumer disclosure ; however, we are able to assist you further. 

You may provide the following information for authentication purposes and so we could process the request on your behalf : Current Address : Mailing Address ( if different from current ) : Prior mailing address if you have been at your current residence less than two years : State of Residence : Date of Birth : Social Security Number : Driver 's License  Number and State of issuance :. 
LexisNexis Consumer Customer By CSS Email ( XXXX XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) *** External email : use caution *** Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXXXXXX Status : Solved
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX : XXXX XXXX : XX/XX/scrub>XXXX  Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RE : Correction to my personal information Dear Equifax XXXX I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

LYONS, DOUGHTY, AND VELDHUIS PC have sued me when they have admitted to being a debt collector. They have copied a fictitious letter stating they sent it to me which no proof can be verified as it was not send as a certified letter. 

The above debt collector did not contact me nor did it make any attempt to do so. The first time I heard of them was on the court summons sent to me on the courts behalf stating that the LAW FIRM of LYONS. DOUGHTY, AND VELDHUIS P.C. has sued me. They can not legally act as a law firm and then act as if they are just a debt collector. THIS IS A SCAM TO CONSUMERS!
Product: Credit reporting or other personal consumer reports

I called the company about reporting incorrect personal information, which was an address, its only being reported on this credit report. If the information is supposed to be accurate then why isnt it. This has attempted to be corrected on multiple occasions. I attached documents with proof of incorrect address with current credit report number.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out in regards to inaccurate information on my Credit Report with all 3 reporting agencies. Specifically the Public Records section. Back in XX/XX/2022 I went to US BANKRUPTCY COURT in XXXX, GA. Asked several questions as to did the trustee of the Bankruptcy Court submitted the discharged result of that case to all 3 Credit Reporting Agencies. I was verbally informed no the courts does not submit any public record s to any of the 3 Credit Reporting Agencies. Also in writing a official letterhead stating that as well. So I made a copy of said letter then mailed it to Experian and XXXX. To no avail that inaccurate information still on my credit report and is doing unforseen and previous harm to me rebuilding my credit worthiness. Please feel free to contact me with any information you may need at XXXX Thank You.
Product: Debt collection

Please note t

hat this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obli
gated to pay you. 

Please provide me with the below mentioned items : * The amount you claim the XXXX owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, XXXX, and will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, any negative item reported to any of my credit reports by your agency or the agency that you represent, I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
Product: Student loan

i was registered as a cosigner on a student loan with citibank. in XXXX it was electronically signed. with out my permission. i was not givin any loan information as to the amount of loan or the intrest or payback policy of this student loan. i requested to be removed from this loan as co signer as it is not mine. citibank refuses to remove me and has also attacked my credit rating with this default loan. i am unable to work with citibank student loan on this issue. they are holding me responsible for this loan which is not mine. my credit rating has suffered for years with this problem. iam paying higher rates and not getting low intrest loans because of this. i request help in this matter. Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of the creation or use of these accounts. I never gave permission for these accounts to be opened. However, these accounts are on my credit report and have been harming my score.
Product: Checking or savings account

Tons of over draft charges due to either late payments or payments pushed through without the money to cover the charge
Product: Credit reporting or other personal consumer reports

am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are unauthorized. 
The following accounts must be blocked and deleted immediately : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

This is in regards to a Capital One Quicksilver credit card account which is and laways has been in good standing. On XX/XX/XXXX, I initiated a bill payment from my bank account to pay the balance of my credit card account. Unfortunately, I requested the payment be sent to the wrong credit card account. It went to my Ca [ ital One credit card account on which I had a balance under {$200.00}. The payment was in the amount of {$11000.00}. This resulted in a credit balance with CapitalOne in excess of {$11000.00}. 

Since XX/XX/XXXX when I realized my error, I have been trying to get the money returned to me. I was first told it would take 7 to 10 business days because they had to send a check since the payment was made by check. In fact, my bank paid the bill electronically. However, I accepted the timeframe and waited. I have now called Captial One four times ( XXXX, XXXX. XX/XX/XXXX and XX/XX/XXXX ), spoken to four account reps and two senior reps. Each time I am given a different timeframe, different process and different date upon which I should receive the check. 

Today, XX/XX/XXXX, I spoke with a senior rep who told me that there is a " process '' that could take up to six weeks and that I " might '' have my refund by the middle of XXXX. She also informed me that no one above her level ever speaks to customers as they were all administrative. She also told me to get my bank to just take the payment back. I explained that the bank had made no error and that they would be unable to initiate an ACH debit against a credit card account. 

This is a large amount of money to me and I feel Capital One is holding it justly.