23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Ever since Wells Fargo admitted wrong doing in the " new account sales scandal '' the bank has been delaying the posting of debits so that overdraft fee 's can be generated. 

The bank is resorting to tactics ( manipulating the posting of account debits to intentionally generate overdraft fees ) they previously publicly acknowledged and agreed to halt the practice thereof. 

I believe Wells Fargo Bank is resorting to unethical business practices ( described above ) to artificially boost revenue lost after the " new account sales scandal ''.
Product: Credit reporting or other personal consumer reports

I tried several times to have credit bureaus gave me a detailed list of how they verified these account they never responded to me. They just update accounts as verfied
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and several inaccuracies. I am a victim of identity theft and previous filled out a police report in regards to my personal information being stolen. I sent out several letters to the credit bureaus as well with accounts and information I found fraudulent but with No luck. Below I will list the accounts I found false. 


Account Name : XXXX XXXX/XXXX Amount : {$2100.00} Account Name : XXXX XXXX XXXX - CREDI Amount : {$4100.00} Account Name : XXXX  XXXX CREDIT CARD Amount : {$6200.00} Account Name : XXXX Amount : {$900.00} Account Name : XXXX XXXX Amount : {$5500.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$2700.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Name : XXXX   XXXX XXXX Account : {$1400.00} Account Name : XXXX XXXX XXXX Amount : {$1200.00} Account Name : XXXX XXXX XXXX Amount : {$900.00}
Product: Mortgage

My mortgage was serviced through XXXX XXXX and sold to NationStar. I have never missed a payment with XXXX but from the beginning, I was told that I was behind in payments from NationStar.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  reported the bankruptcy was verified through XXXX XXXX and the courthouse, both entities report they have NOT verified this information with either party. XXXX  has refused to re-investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX  XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Checking or savings account

I open an bank account & told my personal banker : 1. My identification was stolen twice. 

2. I'm an XXXX free agent ( XXXX XXXXXXXX XXXX ) & my salary is {$54000.00} for the seaon in XXXX. 

3. I'm an XXXX resident & XXXX XXXX that needs to get home, XXXX XXXX. 

Years later I've prove with more evidence, I'm XXXX still in XXXX while the Chase bank branch is now closed. I scanned my documents to prove they have no attention of approving my credit card so.I can go. Home. XX/XX/XXXX I sent more evidence of my identification theft & need to get home to XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a follow up complaint to you today to inform you regarding of my recent issue of victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX and # XXXX. Again, please find the ATTACHED documents to assist in the removing of the erroneous personal information and fraudulent inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -EQUIFAX : 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} **Inquiries** I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I had a TD Bank credit card that was never used, other than a recurring payment to XXXX. When it expired, and they sent a replacement, I never even activated it, as I never used it ( I had XXXX cash-back cards with other banks that I used ). Since I never used it, and it was setup on auto-pay, I never looked at the account. In XX/XX/2023, I logged on, and saw that they let XXXX fraudulent transactions through without catching them as atypical behavior. ( BTW, I work in financial risk management ) I disputed the transactions and closed the account. The disputes were investigated and determined to be fraud, and I ultimately received a check for the balance of the closed account. I shredded the card which still had the sticker on it since I never activated it or used it. 

In XX/XX/2023, I received an email indicating that I had a charge on the account in XXXX and a balance due. The charge payee name was a variation of the XXXX slightly variating fraud charges from XXXX. I contacted TD Bank regarding the charge that occurred 3  months after the account was CLOSED. After many calls and being told that I needed to go into a branch to be authenticated a few times ( BTW, there are no branches in the XXXX XXXX area where I live ). I did reach a competent person who acknowledged the account was closed in XXXX ( as do all the credit agencies ) had no explanation for how a charge could hit an account that had been closed for 3 months, and opened a fraud dispute. I received the dispute research results, and they determined that there was no fraud. HOW IS THIS POSSIBLE? The account was closed and only used for the XXXX recurring charge for over a year prior. It is bad enough their fraud detection processes are so poor they didnt catch the blatant atypical behavior on the early fraud charges, but to allow a new ( non-recurring ) charge on an account that had been closed for 3 months, and then their fraud research is so incompetent as to determine that it was a legitimate charge is unbelievable!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I was surprised to see inaccurate accounts listed, and I dont understand why. I regularly check my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a display error, I refreshed my browser, yet the incorrect accounts remained. Because of this, I kindly ask that my submitted documents be carefully examined to ensure I no longer have to deal with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX 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
Product: Checking or savings account

USAA responded to my complaint that i submitted here, They are refusing to do anything .They still cant explain why they chargeoff fraud my account .But they say no fraud occured, This makes no sense to me. Is there another person that i could go thru at this bank, The lady XXXX XXXX was very unknowledgeable of accounts and said that they just respond to comp ; laints .She could not answer the question, I think its probablhy internal fraud the way she could not give me any reasons,
Product: Credit card

I believe Citi could possibly be committing fraud. 

I have a Citi XXXX XXXX. It has a 0 % interest rate on balance transfers ( until XX/XX/XXXX ) and has a balance of a couple XXXX dollars from a balance transfer. I have consistently paid down the bill since XXXX, and have not had any interest charges during the duration of opening the card. My XXXX statement showed a {$0.00} balance on purchases, and {$2100.00} in balance transfer owed ( still 0 % int on that ). 

However, my XXXX statement shows that on XXXX XXXX, I made a purchase of {$100.00}. ( APR on purchases is 29.49 % ). On XX/XX/XXXX I made a scheduled payment of {$500.00}. On XX/XX/XXXX I made an additional payment of {$20.00}. ( Also, the minimum payment was {$20.00} ). And yet, on XXXX XXXX, I was charged interest!!!! This seems to violate the XXXX XXXX. My payment was far above the minimum, and more than enough to cover the new purchase. 

The interest was only {$1.00}, so not really a big deal, BUT for other account holders with larger balances or who also have running transfer/purchase balances with varying interest rates ( 0 % /something exorbitant ), they could very easily be getting scammed out of lots of money and not realize it! 

Please investigate Citi!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts : Account numbers : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. # # # # # # XXXX I also see XXXX other names on my credit profile which is as a result of the trafficking. 
I need these names blocked and removed from my Equifax credit Report MORRISONADUBOFFOUR, XXXX XXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Equifax to say or write me and say they could not verify me or my account.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human trafficking or XXXX XXXX  if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self attestation to you Equifax. 
Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Jefferson Capital System has illegally reported this unverifiable debt to the credit bureaus without properly validating the debt. I have requested a letter of validation and they have failed to send. They have also submitted to the bureaus an address I have never resided. Furthermore, I am not liable for this debt and I do not have a contract with this company and did not agree to do business with them, so please remove this erroneous information from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with XXXX. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with XXXX right now through the XXXXt website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters certified to experien.com to have the bankruptcy removed as this was over 10 years ago and they have failed to do so after numerous disputes asking them to remove this from my file they have neglected to follow FCR a rules and laws. I am asking to help with this to get deleted from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : CB Indigo Bank aka Genesis FS Current owner of Debt : XXXX XXXX XXXX Amount owed as reported : {$300.00} XX/XX/2022 : I received an email from Indigo Credit Card Services informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by Genesis FS. 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, CB Indigo charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact Indigo regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by Indigo strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, XXXX XXXX
Product: Debt collection

I have received several calls from XXXX with XXXX. She informed me that it was for my Lending USA account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her XXXX XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.
Product: Debt collection

I explained on several occasions that these accounts they have on me are not of my knowledge. They put liens on my old house. Would call and harassed me all the time. Tried calling me at work. They would even call me at XXXX at night. They sent me some copys of these accounts that looked liked previous bills? They had the information of the company and what appeared to be addressed to addresses I never have recognized? They said I owed but had no proof that these are indeed my accounts? I had no knowledge of these accounts or contract with them but they are still on my report and they are still harassing me about them.
Product: Debt collection

I filed a complaint on XXXX/XXXX/15 with the CFPB on Allied Collections in regards to them not honoring a cease and desist to stop calling. The continue to call me, EVEN after I submitted a complaint. They called again today XXXX/XXXX/15 at XXXX. They do not care that they are breaking the law and in violation of the TCPA. I have attached proof that they called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranunion has not operated within the parameter set in the Fair Credit Reporting Act which in pursuant to Fair Credit Reporting Act 1681i ( a ), the CRA that receives the dispute must conduct a reasonable reinvestigation of the dispute in regards to XXXX XXXX XXXX. Transunion has not conducted a proper investigation. The initial investigation was took well beyond the 30 days allowed in the FCRA. My initial disputed stated that XXXX  # XXXX had also violated by rights under the FCRA which states in Section 604 A Section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Initial dispute XXXX Company closed dispute on : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting

This is my 5th attempt to get this information corrected. Please help me!!!!! It is an obvious reporting error based on the documentation from THEIR OWN COMPANY. I 've included the copy of the credit report as well as the deferment verification letter that the company provided me with. 
The reporting errors listed below are : XX/XX/XXXX-90 in XX/XX/XXXX and 120 in XX/XX/XXXX/my loans were deferred from XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX 90 and 120/My loans were deferred from XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX for 90 days/ my loan was deferred from XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report was accessed without my permission. I received a letter in the mail where an individual was able to apply for credit using my name and social security number. i contacted the consumer reporting agencies about the issue and i was informed that my report was not accessed. In the mail I received a letter that my name and social was used to apply for credit with XXXX XXXX. Although the credit was denied, My report with all three bureau 's were obtained. Also on my report there is accounts that are negative that were not negative in the past and they are reporting incorrectly. 
Those accounts are the following : XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX - reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting late, I was never late, please update to paid on time and corrected immediately. 

XXXX This account must be removed from all three consumer reports ; not my account and reporting without my consent XXXX I do not own a self lender account and must be removed from my consumer report immediately. 

XXXX I do not own a credit acceptance account and must be removed from my consumer report immediately. 

XXXX XXXX on my consumer report ; I do not own this account and it must be removed immediately.