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

I 'm a victim of one of Equifax 's many computer glitches which has caused me to be denied credit and the inability to refinance my car through a company the uses the Equifax credit profile. My Fico score was XXXX on XX/XX/XXXX however on XX/XX/XXXX i pulled my credit report again because I was denied credit and it showed no score and a bankruptcy and collection was on it that was not mine and was previously disputed and removed by XXXX and Equifax and XXXX and Equifax showed me with no credit at all. They also added addresses that are not accurate and I demand they be removed immediately. My only address is what is the 1st one being reported in my XX/XX/XXXX report that is attached. FCRA law states bureaus must contact/inform consumer 5 days before an item is added back once disputed and removed. I called and made a complaint and dispute that Equifax wiped my credit clean and it was inaccuracies on the account but as of XX/XX/XXXX my credit report has not been updated to reflect the XX/XX/XXXX accurate profile information nor have they updated or included any new positive trade accounts and it 's now showing additional accounts that are not mine that was not on the XX/XX/XXXX account that was previously disputed back on the account with a current credit score of XXXX. This is in direct violation of so many FCRA laws and I ask for your assistance in correcting these drastic errors in Equifax 's reporting of my credit report due to another one of their computer glitches. This is causing much undue stress and duress in my life after and still dealing with being a victim of ID theft/fraud. I thank in advance for ensuring Equifax corrects my file immediately and correctly
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXXXXXX 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 credit cards from : XXXX XXXX XXXX Opened on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XX/XX/2023 I woke to many emails from Bank of America that a checking account had been opened. I dont bank with them and honestly will never. I immediately called and got the account closed, no activity took place yet. Per their advice I froze my credit and changed all my passwords. 

XX/XX/2023, I woke to the same emails or an account being opened, a checking account from Bank of America. I called and took ages to speak to someone who then transferred me to the right fraud department and it immediately hung up on me. To then call back again and have to wait on hold to be told to call a specific 800 number not listed on their website. 

Im appalled that a banking institution would allow a checking account to be opened under a SSN thats frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Validation letter to XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mi XXXX. I asked them to provide me with the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please evident proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Please provide a complete account history, including any charges added for collection activity. 

In return they sent a bill from another company that had nothing to do with what was requested. I contacted the credit bureaus and they failed to re investigate this matter. It is affecting my credit profile in a major way
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/ I mad a XXXX  payment wired from my XXXX account to my WF credit card account. I have been making payments this way the entire life of the card. the payments are always applied immediately and the funds are due immediately. This is due to the payment coming out of my bill pay and being wired directly to WF from XXXX. The payment made on XXXX XXXX  is being held for 14 days as the WF employee told me " to make sure the payment was good and cleared the bank '' I explained it cleared the bank because it was taken out of my XXXX  account and wired to the WF card. So instead of me getting to use it, WF is going to use it for 14 days and not allow me access to it. I have attached the activity from XXXX and WF.
Product: Credit card or prepaid card

my chase credit card was closed out of nowhere, I called and they said that they will do a secondary review to try to open my card but that was denied as well. I opened this card in XXXX of 2019 i have never been late and have paid off the card in full twice. I have been a Chase costumer for over 14 years and have multiple bank accounts with them and a mortgage. They closed my card without any notice and are not willing to open it back up again because they say I opened another card in last 12 months. I don't believe this is right and i would like to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, & XXXX are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.
Product: Debt collection

I recently went on XXXX to check my credit and saw that there was a derogatory account listed. I was surprised and looked into it and saw that it was put there by a collection agency operating out of Texas called Aldous and Associates, with an address of XXXX XXXX XXXX, XXXX, UT, XXXX and telephone number XXXX I called up the company to find out what was going on, at which point XXXX the agent, was very rude and only interested in a payment. He told me that they would continue to put the derogatory payment on my account unless I paid the {$100.00} owing. I tried to explain to him that the debt was not valid and moreover, the Fair Trading Practices Act clearly states that a debt collector must send a consumer a written notice containing certain enumerated information about the debt and state that I have 30 days after receipt of such notice to dispute the validity of the debt or any portion thereof. No such letter was sent out to me and so I had no idea about this so called debt, so I was not able to validate the debt, which is ruining my credit. He hang on the phone on me because I told him that I was not going to pay the so called debt. This failure on their part violates my rights afforded by the statue and also the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX My credit score was increased by 77 points on my TransUnion account due to a Balance decrease on my Home loan ( XXXX XXXX ) of {$540.00}. On XX/XX/2021 the same report was filed, a decrease in my Home Loan amount of {$570.00}, however my credit score dropped 55 points. Also, On XX/XX/XXXX an inquiry was removed from my credit report for being two years old. As stated on the report. " their eventual removal doesn't usually have a big impact on credit scores.

Is this removal causing my credit score to plummet 55 points? If this is the case I chose to keep it on my credit history. 

There is no other explanation as to why the decrease in credit reporting on XX/XX/2021. An explanation is warranted and correction if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name PHEAA/FED LOAN SERV Account number XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on lendingtree where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from XXXX XXXX  on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.
Product: Credit reporting or other personal consumer reports

Dear Credit Agencies, I am writing to formally request the removal of my accounts and all associated personal information due to the mishandling of my data by Equifax, XXXX XXXX XXXX. 

According to 15 U.S.C. 6802 ( b ) of the XXXX XXXX, companies must : Clearly inform customers if they plan to share personal information with other companies. 
Provide customers the option to opt-out of such information sharing. 
Explain how to opt-out. 
My Concerns : No Clear Notice : I was not clearly informed that my information would be shared with other companies. 
No Opt-Out Option : I was not given the chance to opt-out of having my information shared. 
No Instructions Provided : I was not told how to opt-out. 
My Request : Remove My Account : I request that my all accounts dealing with Equifax be DELETED! And all my personal information be permanently deleted from your systems. 
Confirmation : Please provide written confirmation that my accounts has been DELETED and my personal information has been deleted. 
Please acknowledge receipt of this letter within 30 days and confirm that my request will be processed promptly. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

For over The past few years, I have tried correcting the information showing on my credit reports. Its stating that it was discharged in bankruptcy. It was not a discharge. They were included in the XXXX XXXX and they were paid through the XXXX XXXX. By them stating it was discharged, its showing as if they were never paid and its derogatory on my credit report and harming my credit. Impacting my ability to purchase a home and my credit score. 

This is the US courts definition of just charge and this does not apply to me! 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" There is need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This is listed in the Fair Credit Reporting Act 15 USC 1681 section 602. I have the right as a Consumer to make sure my privacy isn't being violated by being shared by such consumer reporting agencies such as XXXX, XXXX, and XXXX. 15 USC 6801 states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' None of the consumer reporting agencies, financial institutions, Navy Federal Credit Union, XXXX XXXXXXXX, nor XXXX XXXX have my consent to furnish this information. They also never had my written consent. Whether it be verbal, non-verbal, written, or implied in any other fashion any and all consent is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal Credit Union, XXXX  XXXX, XXXX XXXX never informed me of my right to exercise my nondisclosure option. It is also stated in 15 USC 1681C ( a ) ( b ) that " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission, which is against the law. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' states in 15 USC 1681e. XXXX, XXXX, nor XXXX are maintaining reasonable procedures. As a Consumer I have the right to opt out at any given time according to 12 CFR 1016.7, and have decided to opt out of their reporting services.
Product: Vehicle loan or lease

The bank Santander Consumer USA, I am waiting for the payment of my refund by Gap Insurance since last year, but the bank does not want to refund the money even though XXXX resided the car and that money was paid to the bank.The bank agrees to have received the check in XX/XX/2021, but has not sent the money to my house due to an error on their part. They ask me to call week after week and they never give me an answer when they will send me my money for a value of {$710.00} that they have in their possession and they don't want to send me.
Product: Credit card

I was victim of a credit card scam, I realized what was happening and I contacted chase bank immediately. They sent a new card but since it was a mobile wallet scam, this failed to prevent unauthorized charges about a week later. Two charges were made in person in another state on XX/XX/year>. I contacted chase again and they finally fixed it. Today however they say I am responsible for the charges because I received benefit. I did not receive benefits, I was scammed, and I want the charges removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX '' has been deleted from my XXXX credit report but not from any of the other 2 major Bureaus. Please correct this and delete this account from my credit profile immediately. 

Account # : XXXX needs to be deleted immediately from XXXX AND TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS PROVEN THEY DO NOT CARE ABOUT THE CONSUMERS DISPUTE PROCESS, instead the ensure to protect their customer the business that pays big money for their service. The last thing that TRANSUNION WANTS TO DO IS UPSET A CUSTOMER AND LOSE THEIR BUSINESS, EVEN WHEN THE BUSINESS IS WRONG. 

TRANSUNION DOES NOT PROVIDE A COPY IF THE BUSINESS RESPONSE THEY JUST SAY THE BUSINESS RESPONDED, they were correct so the derogatory remark stays.
Product: Credit card

I received my credit statement from Bank of America ( Allegiant card ) in XXXX and my card had a + {$400.00} credit balance and it was applied or my balance of which a $ XXXX payment was due. I assumed my credit balance would cover my payment so I did not send one. My error I guess. I get the XXXX billing statement I have a late fee. The payment was due by XX/XX/XXXX I believe. I made a payment on XX/XX/XXXX of {$250.00} ( far more than the required amount ) On XX/XX/XXXX I get an email from BOA they had lowered my available credit from {$12000.00} to {$2100.00}. I called them and told them to cancel the card ( who would lower credit amount that quickly? ) I also went on an paid another {$250.00} on XX/XX/XXXX in case I had messed the first one up. On XX/XX/XXXX I went in and paid my balance due of {$1900.00} apx. I went in around XX/XX/XXXX or so and saw I had a balance of + {$500.00} credit on my close account. I asked them to credit that to my bank. The reason for my email to you today is that today I received a bill from bank of American saying I owe them {$27.00} interest and that is for a billing date of XX/XX/XXXX. On XX/XX/XXXX I had a credit for of + {$500.00} and I had already closed the account so there is no way I owe them {$27.00} as my account was 100 % paid before the end of the billing cycle. Please help.
Product: Credit card or prepaid card

My due by XX/XX/XXXX statement on acct XXXX came from Goldman Sachs. It was paid in full {$34.00} by check XXXX XXXX dated XX/XX/XXXX and posted at the post office. This action paid my balance in full, the cancelled check shows that Goldman cashed the check the XXXX of XXXX. The XXXX statement showed a late fee of {$40.00} plus interest. This was incorrect. The debt was paid on time. The statement was received the XXXX XXXX of XXXX and expediently mailed the XXXX week of XXXX. That they cashed the payment the XXXX is not my problem. I contested the error XX/XX/XXXX. I received no follow up to the contested amount. 

Since that time, I've continued to receive additional statements with additional late fees and interest. The balance due claimed by Goldman Sachs now is {$190.00}. This is made up of erroneous compounded late charges and interest. These charges are usurious and are damaging to my credit rating.
Product: Debt collection

Phillips and Cohen first contacted me by phone in early 2009, claiming they had been hired by XXXX Bank to collect on XXXX separate credit card accounts for deceased " XXXX XXXX '' ( my grandmother ) and that they were seeking info on identity of any probate lawyer, executors etc. 
The person who called a " XXXX XXXX '' would only give them the last XXXX digits of the alleged account numbers. 
I gave " XXXX XXXX '' the info I had on XXXX of the last people I knew to be XXXX of XXXX attorneys and told her I would not give them any more information until they confirmed to me the actual existence these accounts with a copy of the applications and all statements for the time the accounts were in effect., proof that they were indeed hired by XXXX and so forth. 
She claimed they were not allowed to tell me anything else, so I told her that I would say no more until they did and that they should just call the lawyer then. 
A few months later, someone else called from this outfit, telling me she wanted me to confirm the information I had given them the first time. 
She claimed person who had first called me by name of " XXXX XXXX '' was no longer working there. 
I refused and told her I had never been sent anything I had requested and that XXXX Bank denied hiring them. 
There were no more calls that I am aware of, but instead I received a letter for XXXX of the accounts addressed to " XXXX XXXX '' not " the estate of '' etc. That letter came from a different address than the XXXX in XXXXXXXX I had first been given. 
I also asked this woman why they were pulling MY credit for an account of relative. 
She denied it happened. I told her I could send a copy of my credit report, but she claimed there was no reason to do so since they did not pull it, she insisted and refused to give me her contact info. 
I later found an email address for people at thus company and wrote them a detailed explanatory email demanding an explanation to all these issues and once again, the copies of the info I had requested. 
It was ignored. 
The letter sent is dated XXXX 2009 and is after my speaking to them twice on the phone. 
I contacted XXXX Bank multiple times over this matter, but they refused to help, insisting they had never hired PC and therefore there was nothing for them to do, and refused to give me an explanation as to how PC somehow was able to get the info on these accounts if they were never assigned or sold the accounts By XXXX. 
Enclosed is a copy of the XXXX demand letter that came in the email. 
The address of the office that contacted me is XXXX XXXX XXXX, XXXXXXXX XXXX, different than the XXXX on the letter. 
I did an internet search on phone number XXXX and it did not show up as belonging to PC and oddly area code XXXX listed in their fax number is apparently XXXX, not XXXX or XXXX listed on the letter. 
Also related to this matter are XXXX previous complaints I filed against XXXX bank, numbers XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to rectify the issue of fraudulent items on my credit report associated with your institution.

Over the course of the past, I have diligently followed the prescribed procedures outlined by your organization for disputing fraudulent items on my credit report. Despite my repeated efforts, these fraudulent entries persist, causing significant distress and concern for my financial well-being.

I have attached copies of the documentation supporting my claims, including but not limited to fraud alert requests, dispute letters, and any other relevant communication. This includes reference numbers, dates of communication, and any pertinent evidence that may aid in the expeditious resolution of this matter. 

It is disheartening to experience such difficulty in removing fraudulent items from my credit report, especially given the potential negative impact on my creditworthiness. I understand the importance of accurate reporting and the potential consequences of fraudulent entries on my financial profile.

I implore you to conduct a thorough and urgent investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request a comprehensive explanation of the circumstances that have led to the persistent presence of these fraudulent entries and assurance that steps will be taken to prevent their recurrence in the future.

If this matter is not resolved promptly and to my satisfaction, I may have no choice but to escalate my complaint to relevant regulatory bodies and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX