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

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX Account # : XXXX ) XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX ) XXXX XXXX XXXX ( Account # : XXXX ) XXXX XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  ( Account # : XXXX ) XXXX XXXX  XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX  ( Account XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Account XXXX : XXXX ) XXXXXXXX XXXX  XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account XXXX : XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX ( Account XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$72.00} ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}
Product: Debt collection

Back in XXXX XXXX American Express sued me in court wrongfully.. so now I have a judgement against me.. I have been keeping in contact with them even before the court date which took place in XXXX XXXXevery time I contacted them they would tell me to call other numbers.. then when I call they would tell me that my account is on hold because of me filing a dispute against the account.. so they said that they couldnt give me any information.. before I knew it.. I had a court summons.. I contacted them back asking why but they wouldnt say, they would just keep saying the account is on hold.. so Im asking how can you take me to court then if the account is closed because of my disputes..you all didnt even want to wait to see what the outcome will be.. and right now Im still in the process of disputing.. the account is charged off and they are still reporting a balance which is leaving a negative remark.. so if its anything I can do can you all please advise me..
Product: Credit reporting, credit repair services, or other personal consumer reports

Per federal my syates laws, you must affirm and confirm any and all allegations of claims yet still unproven which all three credit bureaus havent been able to do.I requested for them to provide me with all of the4 information they used for their investigation, as required by FCRA 611 ( a ) ( 7 ) and requested that they delete the negative item as original requested.
Product: Mortgage

In order to save our home from foreclosure in XXXX, XXXX, while we were negotiating a loan mod with XXXX XXXX XXXX, we filed Chapter XXXX. They finally did a loan mod in late XXXX, XXXX. The loan mod was not the greatest either. They extended the term to 40 years @ 4 % and moved the loan to Ditech. We have been making payments direct to Ditech ever since. The Chp XXXX was completed and discharged in XXXX, XXXX. Ditech has refused to acknowledge the completion of Chp XXXX and have not reported to any credit bureau that we have been making payments direct to them for the last 3 plus years. Our credit reports should reflect all the timely payments made to Ditech. Our credit score remain a XXXX '. We are XXXX and are unable to purchase new equipment or get a credit line. We are unable to rebuild our credit due to Ditech 's failures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACT EQUIFAX ON 10-20-21 ABOUT THESE INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL EQUIFAX TO HAVE THEM REMOVED OFF MY CREDIT FILE BECAUSE I WASNT IN THEIR SYSTEM OR A CREDIT APPLICATION ON FILE, WHEN I CALL THEM ABOUT THIS PROBLEM, THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE BUT TODAY I WAS TOLD TO CALL THE FTC TOO HAVE THEM REMOVE WITH A FTC THEFT REPORT. I WILL LISTED EACH ONE THAT NEEDS TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. WITH THESE UNKNOWN INQUIRY THATS NOT
 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX, OH XXXX 
XXXX XXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was previously enrolled in a XXXX XXXX XXXX ( XXXX ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX   that my services were withdrawn. XXXX XXXX ( XXXX, XXXX, XXXX XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my XXXX XXXX Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and XXXX XXXX without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. XXXX XXXX is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : 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/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has placed a Delinquency and charge off on my credit file. This is INCORRECT. The correct file entry should be " late payment ''. No balance, on the account is inconsistent with something being " charged off ''. The difference is a cascade effect it has had on my XXXX XXXX and potential 7 years of visibility on my file vs 6 months for a late payment. 

The beginning of the cascade issue is XXXX reducing my credit from {$12000.00} to {$1500.00}. Once again NEVER LATE - NO BALANCE. 

Since ALL credit card companies use this file, the accuracy of the information is directly correlated to my score. 

This is unacceptable since NO HARM was done to XXXX, and this action will cost me thousands for YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

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

I have a current membership with XXXX/Experia. My payments are in good standing. A couple of months ago, for some unknown reason, I lost access to my account. to the best of my knowledge, I did not change my password and the login information I set up is still valid, however I still can not log in and all attempts to reset my password have been unsuccessful. The only way to fix this, according to their website is to do it over the phone. 
Here is where the problems start. I have called multiple times for the last 3 weeks and every time I call the waiting time is more than 2 hours. I have waitied even three hours once without being able to talk to anyone. I have researched the feedback from other customers and this seems to be the standard for this company. Simply they don't pick up the phone. 
At this stage, I don't want to solve my log in issues anymore. I now wish to cancel my membership, but for this I still need to talk to them over the phone, which is impossible. 
I have sent two emails to the only email address available in the website which is apparently dedicated to provide technical support ( XXXX ). No response. I left messages via XXXX and XXXX, to no avail. 
Please help. I would need the company to terminate my membership. Thanks
Product: Credit reporting or other personal consumer reports

My frustration has brought me here, because in the past XXXX months I have tried to reach out to your company and nothing has been resolved about the inaccuracies in my report. It is negatively affecting me and my financial state.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to login into their site, again encountered difficulties. I called annoying enough in order to verify my account I had to give ssn. Then another verification process. The agent could not explain why I cant get online in order to see report and correct errors. Instead, I was told that the report will be mailed. I explained that I have the option to see online and thats my preference since my mailbox is not the best secured. I dont want mail delivery and if disclosure of full ssn is no longer required or use, then why is TransUnion using it? Are they even legit they are the only reporting agency that gives me issue. 

Same thing occurred in 2022 and ended sending me a paper credit report with full profile, ssn, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to call into question several inquiries on my Equifax credit report that I strongly suspect are fraudulent and unsanctioned. In having examined my credit report, I have come across multiple inquiries made by XXXX XXXX on XX/XX/2022, XX/XX/2022, and also by XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX last year. Furthermore, there appear to be additional queries from XXXX XXXX XXXX XXXXXXXX on both XXXX the XXXX and XXXX the XXXX of this year. There are yet more inquisitions made by XXXX on XXXX the first as well as XXXX dated XXXX the XXXX of this very year. None of these transactions were initiated or authorized by metheir presence is wholly fraudulent and may prove detrimental to my financial standing. This occurrence leads me to believe that fraud took place, thus inciting an immediate review process with your institute regarding such matters. Please remove these unauthorized inquires from my record as it invites serious concerns over any potential future approvals. 

A thorough investigation will point out all irregularities taking place- Please confirm action taken once finished through an official letter/document/sent communication outlining works performed at resolution/assistance intended- With necessary comprehension see data attached for copies og original files viewed and actions processed whilst highlightng blatant problems caused/included only Thank you for attending these disputes promptly, Sincerely, XXXX XXXX
Product: Debt collection

Second complaint on  XXXX   XXXX   XXXX   XXXX . We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How did  XXXX   XXXX  send a letter verifying my 30 days on the debt on  XX/XX/XXXX    but placed the actual debt without verification on my report  on  XX/XX/XXXX ? Sin ce I have filed this compliant  XXXX   XXXX  has placed this on all  XXXX   XXXX  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   County Court for f raudulent and misuse of T exas Debt Act an d violation of my privacy by contacting and sending my personal information to another party.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Wells Fargo to initiate a Balance transfer to the card within my posted Credit Limit. I had tried to complete the transfer myself online but messaging indicated I had to call. It took me a couple of days to have time so call was made aprox XXXX on Sat XX/XX/XXXX. The person I spoke to was not very helpful, I indicated what I wanted to do he mentioned there was a fee which I had not considered and I was transferring over slightly less then my credit limit I wasn't sure the approx XXXX would cover the difference. I asked him what the fee would be and then he indicated that my transaction was declined. What? I wasn't even over to my limit. He couldn't answer my question and them offered to transfer me to an Underwriter. Still very confused I told him to do that. The underwriter then explains that she will need to pull a full credit report? I told her I was attempting to use my posted credit limit WHY would I need my credit pulled and that was when she informed my that the last rep had pull a soft pull and that was declined and she couldn't answer my questions w/o and tri-merge report. I told her no and hung up. 
If I want to transfer funds within my credit limit that should be allowed online along with the charge for the transfer by dollar range etc.. This felt to me like I was being scammed. I have a credit limit, I do not want any other credit lines with Wells Fargo and my question was never answered. Nor did I know or understand the first rep I spoke with was pulling my credit as a soft pull. I indicated I was within my credit limit. This is unacceptable to me.
Product: Checking or savings account

XXXX link established between AFFIRM savings account and XXXX XXXX XXXX checking account ( only ) to transfer funds at my request. 
Between XX/XX/XXXX and XX/XX/XXXX AFFIRM transacted 13 times to a savings account at XXXX XXXX XXXX  that they were not authorized to link to, and they maintain they had no access to and have no record of such transactions. 
XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$57.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$57.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$57.00} XX/XX/XXXX {$48.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$47.00} Multiple emails and calls to AFFIRM resulted in no resolution. AFFIRM either responded with a canned reply indicating they had not even understood the issue or replies indicating they had no record of such transactions and I should contact XXXX XXXX which simply said these were " merchant disputes '' and not their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and a fraud alert as been place on my credit reports
Product: Debt collection

I purchased a kitchen appliance for the sole purpose of raising my XXXX, I paid off said appliance in 30 days/four weeks in cash and kept all receipts. 
12 months later IXXXX receive a phone call with a rep from Conns telling me because my last payment was a charge back I have incurred TWELVE MONTHS of incurred interest. 
of over {$1200.00}, when in fact I had ( paid in cash ) so I knew that was FALSE. 
When I asked the rep what was the last four digits of said card, she could not supply said card and explained that my account was sold to a third party.XXXX This whole interaction left me baffled and highly upset, I hung up the call and was harassed for years to come and it has been almost 5 years and I'm still dealin g with this XXXX fraud company. 
On the app called XXXX, Conns has hundreds of complaints against them for deceptive acts upon them. HOW is a company of this size able to conduct business against people this many times over and still remain standing?!?!?!? 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions for the last 24 months.
Product: Credit card or prepaid card

I applied for a Bank of America credit card. I received the card around XXXX of XXXX. The credit limit was {$5000.00}. To my knowledge I have always paid on time, as a matter of fact I had over paid. Yet they closed my account in XXXX of XXXX. I'm not clear on exactly what my interest rate was, but I believe it was near 26 %. I do not know why they closed out my account and I had a XXXX balance.
Product: Bank account or service

Just recently, I am receiving several items of mail from BBVA COMPASS BANK. These pieces of mail are1 ) Notice of Insufficient funds of {$600.00} in Account XXXX ) Notice of Load Advance of {$230.00} in Account XXXX ) Notice of New Loan Balance of {$2000.00} in Account XXXX ) Notice of checking account balance of $ XXXX in Account XXXX ) Notice of Amount of Deficiency of {$250.00} ) Issuance of XXXX XXXX Cards, which I have destroyed. 

My issue is that until now, I never heard of BBVA COMPASS BANK and have never have done any business with them. My concern is that his could be a case of attempted identity theft. I have made several attempts to contact BBVA by phone, ( no local BBVA Banks near my residence ), and can not get any answers to why this is happening. Every phone call ends in a dead end. Any help you could give me would be much appreciated.
Product: Credit reporting or other personal consumer reports

The XXXX account that I am disputing has been on the credit report for XXXX years. I highly suspect that Equifax has illegally RE-AGED the account from 65 months to 99 months. Equifax is already ordered to pay a {$15.00} XXXX civil money penalty to the CFPBs victims relief fund as a result of failure to conduct proper investigations of consumer disputes as well as ignoring consumer documents and evidence submitted with disputes. These failures directly align with my personal experience and I feel like I am being victimized concerning this specific XXXX account. I have disputed this account MULTIPLE TIMES. All necessary documentation was submitted with the dispute EACH TIME yet it wrongfully remains on my credit report. In addition to the belief that the account is re-aged, it was a joint account that was deleted from the other person 's credit report YEARS AGO in 2022!! { See attached PROOF of account deletion from the other individual 's credit report }. WHY would Equifax be allowed to continue reporting the account on my credit report?!?! The account should have ALSO been deleted from MY credit report in 2022 ; however, Equifax blatantly REFUSED to delete it! Also, HOW can the 99 months in review be LONGER than the term duration of 65 months? This practice is unethical, illegal and possibly even criminal to wrongfully affect a consumer 's credit report and score in this manner. The XXXX account being reported by Equifax is not in compliance with the FCRA laws and must therefore immediately be permanently deleted.