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

Equifax mishandled my and many others ' personal information including our social security numbers, phone numbers, addresses, and more, leaving us vulnerable to identity theft. Their cybersecurity is insufficient.
Product: Checking or savings account

Truist had a computer glitch on XXXX with their cash reserve line of credit. It debited and credited repeatedly the amounts I have paid into the cash reserve. They took my account negative XXXX dollars. As of XXXX issue not fixed nor has account been adjusted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times and have disputed information pertaining to my experian credit report. I have requested that the above credit reporting agency provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
Product: Debt collection

Telephone calls 2-3 times daily from a company named XXXX XXXX, also voice messages left stating company has an informational packet that will be given to my place of employment or residence. XXXX   claims debt is owed exceeding {$800.00} but willing to clear debt for payment over {$500.00}. Claims debt is originally owed to HSBC bank with a last payment remitted as of XX/XX/2013. I stated NY state has a 6 year statute of limitations ; and she said I am just a person trying to get out of paying a bill. The person, a Ms XXXX became belligerent and abusive on the phone ; I was not going to stay on the telephone line to take that abuse. 
I have also contacted HSBC bank on two separate occasions to resolve the matter, but HSBC bank will not investigate the matter without myself providing my SSN. I made the argument that the bank already has my SSN ; why is it needed again. I asked if it their bank policy to hand out money without getting a persons SSN in the first place. To sum it up ; HSBC did not want to resolve the matter.
Product: Checking or savings account

I opened a chase account everything went through until I added two settlement checks to the account. My account has been restricted since I deposited the checks on XX/XX/XXXX. I have reached out to the bank everyday regarding this situation. I have done everything they have asked of me. XX/XX/XXXX I was told that my account will be closed after XX/XX/XXXX. I spoke to my attorney as I am unable to speak to the company that issued the check due to this being a legal matter.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some unauthorized inquiries
Product: Credit reporting or other personal consumer reports

I have 2 Accounts Reporting on my credit Report That was open in XXXX and I was only XXXX XXXX XXXX at this time these accounts do not belong to me and I will like them deleted immediately due to FCRA its a XXXX XXXX account and a XXXX XXXX  account, I was Born in XXXX I was not even XXXX XXXX to open a account will upload documents
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking 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 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 or other personal consumer reports

I have recently reviewed my credit report and found that false information continues to be reported by TransUnion, XXXX, and XXXX. Despite submitting disputes, the credit bureaus have incorrectly verified this information as accurate. I am providing attached documentation that clearly proves these entries are not correct. This persistence in reporting inaccurate data violates the Fair Credit Reporting Act ( FCRA ), particularly section 623, which mandates that information provided to credit bureaus must be both accurate and complete. 

Given the proof provided, I request that you immediately remove this inaccurate information from my credit report. Continuing to verify and report false data is a clear violation of my rights under the FCRA. Please act accordingly to correct this issue and update my report to reflect accurate information only.
Product: Credit card or prepaid card

I've filed a dispute with XXXX XXXX credit card company where I have been XXXX  in the XXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX serving a XXXX XXXX XXXX  in the XXXX XXXX  XXXX XXXX. Where I am housed at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX  number is XXXX. I looked on my credit report, I seen a account from XXXX XXXX  that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX  XXXX  Identification with my Social security card. which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where they never responded to my dispute letter mailed back in XX/XX/XXXX. First of all for these reasons if I have been XXXX  for the past XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a letter writing service from XXXX. I received little communication from the company. On XX/XX/XXXX I requested a refund. On XX/XX/XXXX I received a response from XXXX the owner stating " sure, no problem ''. I have consistently tried to contact the company who has now taken down their main website stating that they are no longer receiving new customers. Over the months until XX/XX/XXXX I have requested my funds be returned to my credit card. At which point I finally told the company that I was going to contact my credit card company and dispute the charges. Now my credit card company is penalizing me for trying to work this out with the company by saying that the purchase was too long ago and I can not dispute it. This charge is for {$490.00}. I do not have that kind of money to just throw around! The company still hasn't responded and there is no one looking out for me here. I have saved most of the email correspondence between myself and the company which my credit card company never even asked to see.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX
Product: Debt collection

upon recent review of my credit report I noticed this company reported a collection for the amount of {$210.00} on XX/XX/22. I have never done business with this company. I submitted a packet of documents containing an affidavit of truth, cease and desist, and proof of this company violating my consumer rights. I am requesting that this company in good faith validate this alleged debt by providing the requested documents.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 delete the item from the 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 reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit card

I sent XXXX pages of proof to Barclays and called multiple times. About an issue I had XXXX XXXX XXXX I had more than adequate proof that they should see that I deserved the dispute money back. I literally had proof of every wrong doing XXXX the company and them admitting it. I sent that originally in XXXX. Then didnt hear anything until XXXX in which I was told to send everything AGAIN and then still had to call for feedback. All the proof I sent shows that I should get my full Dispute of XXXX $ back. And then on top of everything else and I filed here and spoke to someone - No One called me back or been told me that this case was closed. Im very frustrated and upset.
Product: Mortgage

I just refinanced my mortgage and the first payment was in XX/XX/XXXX. I had called to start an ACH automatic payment to start on the first of every month. I was told that my XXXX payment had to be called in because the ACH payment would not go into affect until XX/XX/XXXX. On XX/XX/XXXX I made my mortgage payment of {$430.00} over the phone. On XX/XX/2021 they took out the ACH payment of {$430.00}. I contacted them immediately to get it rectified because I had other bills that were coming out as well. They acknowledged the mistake and said they would issue a refund. I ended up receiving a paper check in the mail on XX/XX/2021. As a result of the length of time it took to get the refund I incurred 2 NSF fees. When I called them to get reimbursed for these fees they informed me that they were not going to cover the NSF fees that I incurred. I had e-mailed copies of the NSF fees to them as well. Once they told me that they would not reimburse me the fees I revoked the ability of them to use ACH for my payments and they said they were ok with this. On XX/XX/2021 they did an ACH withdrawal again. I incurred another NSF fee the same day. I contacted them again and was told they could not do anything about it. I contacted my bank XXXX who has stopped their ability to use ACH withdrawals in the future. I have incurred {$95.00} dollars in NSF fees and asked to be reimbursed and they have said no. 1. NSF fee of {$29.00} from XXXX was issued on XX/XX/2021 2. NSF fee of {$37.00} was issued from my XXXX XX/XX/XXXX on XX/XX/2021 3. NSF fee of {$29.00} was issued from XXXX on XX/XX/2021. They XXXX XX/XX/XXXX NSF was incurred because I transferred funds from them to XXXX to cover the bill that was not paid as a result of them taking 2 payments and I was not refunded until XX/XX/2021. I would like to be refunded for the NSF fees that I incurred because of their mistakes. As I stated these were my first 2 mortgage payments to them after I had refinanced.
Product: Debt collection

I sent a debt validation request on XX/XX/XXXX requesting : - agreement that grants the authority to collect this alleged debt - agreement that bears signature of the alleged debtor wherein agreed by the creditor - proof of legal right to collect this debt - agreement that bears signature of this alleged debt from the original creditor - date this alleged debt became payable - verification this debt was assigned or sold to collector I initially received a 20 % offer from Halsted financial services to settle a debt. A few weeks later I received a letter from another company stating XXXX is no longer. There is XXXX, LVNV Funding, Resurgent Services. I do not know neither of these companies. From my request above, I have received about 10 pages of document with an IP address and my name typed out as a signature. I have not received the original document that I allegedly signed to confirm all above. Anyone can type a full name. 

They requested an identify theft affidavit to be notarized, which have been submitted on XX/XX/XXXX. I did not get an update from them. on XX/XX/XXXX, I emailed requesting another updated and was told this was forwarded to the appropriate department. 

I called and asked to be transferred to said department in charge but was told that they did not have a phone line. I asked for the name and finally was given the name of the department : dispute team. I asked for their contact information and was told they did not have one.

I am unsure how the dispute team is non existent. I was told I will receive a letter one day stating the outcome of this. This company is not real, they refuse to answer my questions, provide proper documentation although I have submitted the requested documents. They only have 1 department and are committing fraud by refusing to abide by the rules and submit proof of this legal debt. This collection is preventing me from getting a mortgage as it is showing up as a collection on my account. 

Please advise.
Product: Checking or savings account

I don't remember the dates, but I do remember the overdraft and the save as you go feature that transfers money from my checking account into my savings account was not accurate. However I did not call Wells Fargo to complain, NOR did I complain about an overdraft charge I paid, I just let it slide because I like Wells Fargo. I figured they would correct it on their own, but I came across this article today and decided to address my issues this way to correct the problem.
Product: Money transfer, virtual currency, or money service

Venmo issue - I transferred money as payment for an item, the receiver is unable to access his account and asked that I have the charge reversed. The funds are now in Venmo " limbo. '' It has been 5 days. The receiver can not access and Venmo refuses to refund my money. 
Payment ID # XXXX Request # XXXX
Product: Debt collection

Started disputing the valididty of this debt in XX/XX/2019 and company continues to " verify '' account with bureaus but has never sent me any documentation for the account. When I mailed letters requesting verification, they were simply ignored. I have sent 2 notices, one regular USPS and the second was mailed certified. Still not answer to either accounts. I have noticed that the accounts were removed from XXXX, but still are being reported to the others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted The Bureau and XXXX XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent The Bureaus and XXXX XXXX a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to The Bureaus and XXXX XXXX to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX ) and The Bureaus and XXXX XXXX disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay The Bureaus and XXXX XXXX collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Product: Vehicle loan or lease

Credit acceptance report my card XX/XX/XXXX in the morning I just looked up the repossession laws!! They sent me a notice that my car was going to be auctioned off it did not say where it did not say what time nothing of that sort they didn't even tell me where my car was at I had to ask several times over I have been in contact with these people often!! When I asked the representative where my car was located she hesitated like she didn't want to tell me and then she went off with some other subject I said no wait a minute I want I need to know where my car is at because I have valuable stuff in there that I need and then finally she told me where it was at I don't know who they think they are but they can not go against the Michigan laws!! So much is wrong with this auto loan completely my complete balance on credit acceptance website is completely different than my credit report credit acceptance account says it's open my credit report says it's closed there's so many violations here I'm sickened I am going to send them a pre-settlement letter I am going to consult an attorney I know I am right here and they are completely wrong and they know they are I have tried I am so stressed out I am just going to consult an attorney I already hired Lexington law firm to try to remove the repossession so I can get another Auto but going through all of this I know what the going rates are for what your credit is and it's sure not 22.99 % I can tell you that and the next auto loan I get I'm not going to let them work certain fees into my loan and plus charge me interest that's not going to happen simple and plain but I'm in it to win it I'm telling you I'm not going to stop
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-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. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. 
Please delete the following accounts : XXXX {$2400.00} XXXX  {$2500.00} XXXX  {$1300.00} XXXX  {$250.00} XXXX {$170.00} XXXX XXXX  {$6300.00} XXXX XXXX XXXX {$0.00} XXXX {$290.00} XXXX  {$0.00} XXXX {$0.00} XXXX  {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$58.00} XXXX XXXX {$200.00} XXXX XXXX {$590.00} XXXX  {$760.00} XXXX  XXXX  {$220.00} XXXX XXXX {$9100.00} XXXX {$1000.00}. XXXX XXXX {$0.00} XXXX XXXX  {$46.00} The following inquiries are unauthorized. XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4 months now but nothing was helpful. Here is the situation : I opened my credit card  at XXXX XXXX in XXXX and after 6 months of opening it I started to see my FICO score ( which was reported from Experian ) on my XXXX XXXX profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my XXXX XXXX profile. After obtaining my ssn I also opened Experian, XXXX, and XXXX accounts to see my credit score. However, neither of those agencies have my XXXX XXXX credit card on my profile. They only have one credit card  from XXXX which was opened less than 6 months. Experian doesnt even show my credit score and says that I dont have one however I see my score on my XXXX XXXX profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling XXXX XXXX to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with XXXX XXXX and theres nothing they can do.
Product: Checking or savings account

Chase bank accepted false identity to open an account in my name I didn't open it authorize opening account a money wired was sent to me from my aunt she was executor of grandparents estate she wired {$20000.00} to me to this account she said she received the banking information via text from my phone I did NOT TEXT HER.in an investigation a deputy in XXXX XXXX XXXX XXXX located the woman who opened account and had a debit card in my name verified that she did this but concluded that this is a XXXX crime and I needed to report to my local police that this woman didn't commit a crime? The delays and mis information have put XXXX  months hold up in locating where my money went. {$16000.00} was drained when XXXX froze account. I have received XXXX  from chase who allowed this to happen they are not assisting me in any way only adding to delays for example sending me initial report documents in the woman who stole my identity document were addressed to her and her name as the victim. Understanding that time is important in resolving this I have had XXXX  months of phone calls not returned, nobody trying to help me or work on my behalf I am the victim I am a single parent this has caused me financial hardship and major stress. Nobody seems to care that {$20000.00} has been stolen from me.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], is not complete and it's not accurate. 
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  open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate I sent a letter on XXXX XXXX XXXX  asking them to update my profile