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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat this 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 account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was the responsibility of my former spouse XXXX XXXX XXXX XXXX XXXX ), she is responsible per the court order dated XXXX XXXX 2015 Superior Court of California , County of XXXX, Judgement Case number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( Any and all remaining balance to XXXX XXXX Card ending in XXXX ) is the SOLE responsibility of XXXX XXXX. The Judge order states : '' Any and all remaining balance to the XXXX XXXX Card ending in XXXX and any and all debts incurred by her, Defendant, after the date of separation. This order is a matter of public record and I have provided by mail copies of such to Experian, XXXX and XXXX. The reporting credit bureau. refuse to remove this collection from my credit report. As an employee on a XXXX XXXX I must pass security clearance checks.This is a serious threat to my continued employment. Please help. I can provide copies of the judgment upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have contacted TransUnion previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number XXXX.
Product: Debt collection

I had opened a new account  with Navy Federal Creidt Union a fter it had closed out. I knew I owed money so I asked the teller if I had to pay anything additional and I did. The amount was {$200.00} for an overdraft fee so I had paid for it. I also owed money for my car loan which was about the same {$300.00}. I paid for that also. After paying he said I 'm in good standing with the bank and there would n't be any issues going forward. So then I proceeded to put {$1500.00} in to my new accou nt. Two days lat er I was looking to pay for something and I noticed all of my funds was gone. I noticed this happened on  XXXX / XXXX /  XXXX  . They never gave me a warning and I never gave them the ok to take money out my account or have I signed any information saying that I ever will allow automatic transfers when I started the new account. I also never signed any paperwork starting this new account. This debit collector just took money without any of my acknowledgement and put me back on a few bills because of it even after me attempting to receive a portion of the money back to still put down on the amount that was lost. I talked to the head of the person that took the amount and they were extremely rude. She did n't care that I needed the money for my son and for rent. She literally told me that it did n't concern her and she have other people calling with more important issues then the one I 'm having then she hung up.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act XXXX XXXX  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 fumisn a account without my writen instructions
Product: Debt collection

We have been contacting XXXX XXXX for over a year about cancelling our contract with them. They used very deceptive tactics and the terms described to us in our contract with them havent been met. To add salt to the wound, they have sent our account to Meridian Collections. We never agreed to work with a collection agency and didnt know this was a possibility. This has severely impacted our credit and led to personal issues. We do not have the funds to pay XXXX or XXXX. My wife and I have had our hours reduced at work, so our income is a fraction of what it once was. This ordeal has led to us splitting, so were also managing our own household bills now. 

Meridian needs to cease their collection efforts and XXXX needs to cancel this horrid contract.
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX XXXX XXXX claiming that I owe a debt to SpeedyCash. This debt was discharged in my XXXX  XXXX case discharged in XX/XX/XXXX. Case # XXXX. It is important to note that this case started off as a XXXX  XXXX filed in XX/XX/XXXX, however this case was convert to a XXXX XXXX in XX/XX/XXXX. Any debts incurred before the date of conversion are treated as pre-petition debts and have been discharged. That includes this debt. If you have questions, contact my attorney listed on my discharge form that is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, XXXX and Experian refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.
Product: Debt collection

The debt showing on my credit report by XXXX XXXX XXXX and Capital Accounts LLC are the same debt stemming from a XXXX charge that was incorrectly billed. However, the amount has already been submitted to the bankruptcy court and a claim was never filed. We have notified the creditor and they have failed to take off the debt from my credit file, which is hindering my position to obtain employment with an employer. I have also notified them that this debt surpasses the FDCRA law of 7 years and needs to be removed immediately. I was under the care of my mother at the time this debt occurred and was a minor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times and notifying the original creditor that this account was opened during the time I was incarcerated. The address they have listed I have never lived in the state of XXXX  only XXXX. I have supplied certified court documentation of my XXXX XXXX XXXX XXXX XXXX  and they results are coming back as verified. There is no way, that I can open up a credit card and have access to the card to make purchases while being XXXX. I have also included police report and still no resolution.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, 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 addresses that I have never lived at before. These addresses were used to open accounts in my name : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX. $ {$9500.00} Acc # XXXX OpenXX/XX/XXXX XXXX XXXX XXXX. $ {$23000.00} Acc # XXXX Open-XX/XX/XXXX XXXX XXXX XXXX. $ {$23000.00}. Acc # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX $ {$150.00} Acc # XXXX. OpenXXXX XXXX, XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS, ADDRESSES AND INQUIRIES opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addressesand inquiries. The aforementioned inquiries and addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission and also a Police Report from the XXXX Police Dept demonstrating that the Addresses, Accounts and Inquiries listed above are all the product of fraud and identity theft.
Product: Checking or savings account

My Bank of America checking account was overdrawn by {$150.00}. 

I deposited a check on Thursday XX/XX/XXXX in the amount of {$3000.00} to  cover the overdraft. I also made an online payment that evening for {$2400.00}.  Typically the availability of funds allows {$300.00} to be available immediately and the remaining amount of the deposit of a local check up to {$5000.00}, to be  available the next business day. 

I expected nothing different on this occasion. I made the deposit at a Bank of America ATM before XXXX EDT. In the process of making the deposit I did not receive any special alerts of any kind. I did not pay any attention to the receipt I just put it in my pocket. Later that evening I checked my account online and realized that a ten ( 10 ) day hold had been put on the check I deposited. 

I called bank of America customer service and was told that the system automatically put a RISK hold on the account and that no person could remove that. The customer service person did not know exactly why. 

On Friday XX/XX/XXXX, I deposited an additional {$2000.00} in cash into that checking account so my balance was now at {$4800.00} An online debit that I had initiated on Thursday XX/XX/XXXX for {$2400.00}  hit my bank on Friday XX/XX/XXXX and the item was returned and a {$35.00} NSF fee was charged to my account. 

I called Bank of America again on Saturday  XX/XX/XXXX and spoke to XXXX from WV and then his supervisor XXXX. They both echoed that no one at the bank could remove this ten ( 10 ) day hold. XXXX further advised that the notice I received on my receipt AFTER the ATM deposit was made, was all that the bank was legally required to do to inform me of the hold. 

I reminded XXXX that if I was in the branch a live teller would have let me know of the extended hold before I deposited the item ( therefore allowing me to decide if to deposit the check at this bank or not ). I pointed out that the ATM gave me no such alert during the ATM deposit process and therefore I needed to have the situation addressed and resolved. I advised her that for such a large bank with over thirty ( 30 ) million customers, this was an unacceptable situation and asked to speak to her manager. She confirmed that nothing could be done by ANYONE in the bank and apologized for the INCONVENIENCE. 

It is unacceptable that of the thousands of banks and credit unions in this country, one of the 4 XXXX   dollar banks in the USA, with ten of millions of customers could have automated, electronic protocols that are completely insensitive and unresponsive to the needs of live human beings. 

This needs to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$16.00}, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$8600.00}. Inquiry : XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

I recently paid off balance in my personal line of credit. My checking account was immediately debited. But as of two business days later, the credit to the loan account was still not posted. XXXX accounts are on books of Wells Fargo. When I inquired, I was told it takes up to 3 days to post the payment. Remember : these are book transactions. After several frustrating attempts to get a simple answer, I am appealing to the CFPB. If it takes 3 days for whatever reason but loan account is credited on backvalued basis to date payment made, then I am not charged extra interest. I can not get a straightforward response from Wells. I have attached the email exchange so you can see this firsthand. 
Thank you.
Product: Payday loan, title loan, or personal loan

I notified the lender on XX/XX/XXXX requesting that the apply MLA or SCRA to my accounts with the company. I even attached a copy of my spouse 's XXXX to the request. I the received this email : Case No : XXXX XX/XX/XXXX Dear Thank you for your email received in our office on XX/XX/XXXX regarding your Servicemember Civil Relief Act ( SCRA ) interest relief eligibility request. We previously requested a copy of your military XXXX and/or a letter from your commanding officer and reviewed this info. 

We carefully reviewed everything you provided and unfortunately your account is not eligible for an interest rate reduction under the SCRA. Your account is not eligible because SCRA requires that the obligation be " incurred by a servicemember, or the servicemember and the servicemembers spouse jointly '' to qualify for rate reduction under the SCRA. Note : TN does not provide additional state interest rate benefit extensions to spouses and dependents. We verified your information on the Department of Manpower Defense ( DMDC ) website based on the information provided to us. Enclosed, please find the DMDC certification we obtained to support our decision. We are happy to review any additional information or documentation you may have. 

At Upgrade, we are dedicated to supporting our military servicemembers. We thank you for your service and for choosing Upgrade. Please do not hesitate to contact our Customer Support team if we can be of any further assistance. 

Sincerely, XXXX Upgrade Help Center ( XXXX ) XXXX I then emailed them again requesting the MLA and got nothing back. Not only did I receive this email but when I sent the email requesting SCRA and MLA the company then decided to reduce my credit limit with them not once but twice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX ACCT # 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 instructio
ns
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

I have been receiving frequent emails in regards to the depth that I owed, but the Internet company had sent the information two months after I left my old apartment complex in which I lived in and had the XXXX at but as of XX/XX/year> the depth of {$60.00} was paid in full, but its not reflecting as paid on my credit report
Product: Checking or savings account

I have a Huntington Bank Checking account which I enjoy, but there's an issue with their online checking ledger. One reason I like this account is because of its Standby Cash feature, which allows me to access funds between paychecks. However, I recently used Standby Cash and promptly repaid it on payday, Friday, XX/XX/XXXX. Today, Saturday, XX/XX/year>, I spoke to a customer service agent who informed me that I wouldn't be eligible to use it again for three months due to overdrafts. 

There was a purchase made for {$6.00} parking at XXXX XXXX on XX/XX/XXXX, and the other was a {$3.00} XXXX transaction on XX/XX/XXXX. ( Note : You can not use XXXX if there your account is at {$0.00} ) This caused my account to be overdrawn by {$8.00} from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, a {$16.00} refund was credited to my account. On XX/XX/XXXX, I received a {$40.00} XXXX payment, and on XX/XX/XXXX, two direct deposits totaling {$1200.00} were credited to my account. 

I could understand that if I had overdraft my account in two consecutive billing statements but to ban me from the Standby Cash feature because of two incorrect bank ledgers is an outrageous and unfair banking policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so bewildered about this situation. I've submitted this complaint XXXX  times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  A XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$63000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$59000.00}.
Product: Debt collection

On XX/XX/2020, I wrote this company in dispute of this debt. I had not realized they had been reporting this account on my credit for years now. I recently was denied for a rental application and was told I had an eviction on my credit. I contacted this company and they sent me some computer generated printout without providing a copy of the lease. 
I wrote them a second time and they received this letter on XX/XX/2020 and they did not reply to my letter where I again asked them for a copy of the lease bearing my signature since they claim I owe this debt. They did not furnish any proof, nor replied to my second letter. 
Again, I wrote them on XX/XX/2020 and again, they completely ignored my letter even though they signed all three times validating receipt of my letters. They are refusing to delete this account from my credit, which is damaging my credit and keeping me from relocating. 
My wife suffers from an illness in which we need to relocate in order to get her the medical attention she needs and due to these people lying on my credit report, it is hindering us from moving forward. We are in great distress due to Carter-Young , Inc . This is clear defamation of character and a violation of the FDCPA, and prior to seeking legal assistance, which would be {$1000.00} per fine, which I intend to file a complaint in small claims court if they do not remove this debt ; I thought I would file a complaint with you first before moving forward.
Product: Debt collection

Numerous accounts are inaccurate on my credit report that is not mine. There is XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am currently working with a debt consolidation company. I just started working with them on XXXX XXXX. I contacted Western Shamrock Finance Service to let them know that I was working with Beyond Finance. I have also given them a number to contact them. And I told them the debt will be handled but it takes time and to continue to call the number. However they continue to call me and my references daily, although I have told them that they need to contact the number that I gave them.