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

In accordance with the Fair Credit Reporting act XXXX Account # 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for emergency services in accordance to my copay with health insurance at the time of service. I was told I paid my full amount. I didnt even know about this debt with California Business Bureau which is a colllections agency for the hospital. Ive communicated with with on five difference occasions asking for proof I owe this money, and I am continually provided nothing. They give me nothing. If I owed {$1000.00} I wouldnt have done the service. XXXX XXXX excused the debts to me and said I dont owe it. XXXX has provided nothing, ever, to show me I owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX  have failed to respond to my dispute about unauthorized and unverified inquries. Irequest I sent a dispute letter on XX/XX/2021 received no response, XX/XX/XXXX I sent a 30 day compliance letter to follow up I still haven't received a response and accord to the FCRA its mandatory that I receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. I have sent in multiple disputes regarding this account, and it's been removed and keeps coming back, under a different name, and the other bureaus have removed them of my credit report, but you guys refused to do so. I have submitted my police FTC report, and identification for verification. 
-- XXXX XXXX  XXXX, Date fraud began XX/XX/2023 Total fraudulent amount : {$260.00} -- XXXX XXXX XXXX XXXX XXXX Date fraud began : XX/XX/2023 Total fraudulent amount : {$1800.00}
Product: Bank account or service

I went to the bank and was encouraged to open a platinum banking account, as I was told it was a more appropriate match for my banking needs. They left open the old account and opened a new one. I then learned XX/XX/XXXX that the bank, without my written or verbal permission, at the same time also opened a line of credit directly linked to my bank account. Due to the multiple accounts and confusion with which account was being debited, there were charges which overdraft one of the accounts. Instead of covering the overdraft with another one of my bank accounts which had plenty of available funds, they instead paid the charges using this line of credit I was completely unaware was ever even open. I never received letters about this either. I found out years later that I had a balance of over {$2500.00} in this line of credit thanks to the over 20 % interest rate. I never would have agreed to this line of credit, never signed for it, and it was opened completely against my will and without permission. I let the bank manager know of the situation and asked that she investigate the matter and try and get the interest waived or at least partially waived given the fact that it was opened without my consent. I even provided the paperwork I was given when I did open my account and it shows nothing of this line of credit. After waiting until XX/XX/XXXX for this to be investigated, I had received no assistance so I paid the balance in full and asked that they continue to try and handle this. I found out today that they not only did n't follow up on this matter or contact me but never even closed the account. I asked that it be closed and that a credit be made. I am willing to bet that US Bank opened hundreds in not thousands of these lines of credit without ever notifying customers or getting their permission. US Bank has probably made an enormous amount from interest from accounts they opened with no permission or knowledge of their customers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the XXXX XXXX account ( Account Number : XXXX ) on my credit report, which reflects a significant violation of the Fair Credit Reporting Act ( FCRA ). 

Failure to Provide Reinvestigation Details : Upon my dispute of the information reported for this account, I requested a detailed explanation of the reinvestigation process as mandated by 15 U.S.C. 1681i ( a ) ( 6 ) of the FCRA. The credit reporting agency has failed to provide this essential information within the required timeframe. This omission prevents me from understanding how the investigation was conducted and what findings were made, undermining my right to a fair and accurate credit report. 

Given this failure to comply with federal law, I am requesting the immediate deletion of this account from my credit report. I also urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this violation to ensure adherence to the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX-account # XXXX ), has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Well fargo Bank has ended there relationship with me due to security risk and has been harassing me with tons of mail and locking my debit card at least 25 times since Ive been a customer and I havent done anything wrong ... and I was told there are few fraud claims were filed under my name and I told Wells Fargo I never claimed anything fraud and all of my charges are valid ... and they wasted my time and I didnt get any sleep at all and I also missing {$300.00} that was supposed to come into my checking account account ending XXXX  and well fargo blocked it from coming and Im being billed {$300.00} plus a balance transfer fee of {$9.00} from well fargo card services .... I pulled all my money out of Wells Fargo today and Im not longer bank with them every again Im so tired of them calling me and blocking my card and sending me mail Ive been through too much stress I just want them to leave me hell alone,, .... I need my XXXX back or back to my well fargo credit card account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I received a collection notice from A company called AFNI. The letter stated I owed {$1400.00} to XXXX XXXX XXXX. I never used XXXX XXXX XXXX services before and had not seen any other bills that need to be paid from the said company. It was a surprise that it was sent straight to collections and not have any notices to begin with. I believe this was a case of stolen identity with the intent of ruining my credit.
Product: Checking or savings account

Citizens bank offers a {$400.00} total promotion- {$300.00} for a deposit of $ XXXX and {$100.00} for XXXX debit card transactions within the first XXXX months. I made XXXX XXXX deposits in that time and called Citizens bank to ask if either deposit qualifies. Both reps confirmed and assured me the promotion requirements were met. 

Following up with Citizens today, a rep stated neither deposit qualified. Additionally, reviewing the terms and conditions, I realize theres no language to distinguish what types of deposits are disqualified, e.g. Direct Deposit from another bank or Real Time Credit. 

The rep did confirm I qualified for the {$100.00} credit for debit card transactions but did not provide a reason on why the credit was not applied or follow up on how to get the credit applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed a lot of charges on existing cards I've had, so I started to look into all of it. My place of business was broken into and everything was stolen. Including my big safe that held all of my families socials, birth certificates, and cards my husband and I had paid off. We did that so we didn't touch them. Long story short I've attached a reply from XXXX  XXXX when I asked to have the account validated as being mine. It Has some other names and address, which I've never lived in Illinois ever. My point being how are they going to argue the fact and tell me they've sent bills to the address and the phone number proves to be mine. Are these companies able to put things on people 's credit without proving 100 % it's there's? Because my credit is suffering due to these " mistakes ''. It seems to me that they are aloud and able and do it. With a little investigation you can clearly see the name and address are nowhere near close to being mine. Nor have I ever lived in
Product: Credit reporting or other personal consumer reports

This account is fraud. I have not authorized this account According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy with my husband on XX/XX/XXXX. My attorney that handled our case name is XXXX XXXX here in XXXX, XXXX My problem is with Citibank and XXXXCitibank . They have reported negative information on my credit report since the day we filed and would not change it. They have reported the private student loan as charged-off instead of in-deferment. Our bankruptcy was discharged in XX/XX/XXXX. The private student loans were discharged in our bankruptcy. They were notified again but would not make the change or remove it from my credit file. 

I made several attempts to contact them. I've been trying to get this permanently removed from my credit report since XX/XX/XXXX. They finally removed it. They put the private student loan back on my credit file in XX/XX/XXXX and made my credit score drop from XXXX to XXXX. The status is showing paid/charged-off. They still will not remove it. I have written to them and called, they will not respond. I sent them the bankruptcy discharge and the credit bureaus. XXXX XXXX has sent in requests to have the information removed numerous times and they still will not respond. Please advise.
Product: Debt collection

I disputed the debt verbally to Capio Partners, and less than 7 days later, they called again for the same debt. I am familiar that after the debt has been disputed and documentation has been requested, they can not call again about the same debt less than 7 consecutive days later.
Product: Credit reporting or other personal consumer reports

Hey, why do you keep reporting false and inaccurate information on my credit report? This is stressing me out and it's a clear violation of my rights as a consumer. You keep on ignoring, denying and disregarding my requests in correcting these errors. This is affecting my life negatively and is detrimental on my mental health, also, my credit score took a hit because of the mistakes on your end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this Due to noncompliance with the CRA Equifax. They failed to remove information that was Affiliated with personal information and Details that were challenged in the past. I strongly believe that they are in violation of the FCRA And out right refusing to uphold the law.
Product: Credit reporting

I sent a formal dispute letter to Experian Credit Reporting Agency. About a account on my credit report that ca n't be verified. This debt was owned by XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After my Personal Financial Coach Investigated the account on my credit report the account was transferred to XXXX XXXX XXXX. After the Investigation with XXXX they could n't find the account either. At this point the account on my credit report can not be found by XXXX XXXX XXXX or XXXX XXXX XXXX. 

After sending the letter to Experian to Investigate the item on my credit report the situation was never resolved properly. They claim that they investigated the item and it belongs to me and how come neither XXXX XXXX XXXX and XXXX XXXX XXXX ca n't find the account to discuss it with my Personal Financial Coach XXXX XXXX. By the Fair Credit Reporting Act, I can have whom I choose to help me with any account that is not reporting correctly on my credit report. I am going to provide audio recording to prove that Experian Credit Reporting Agency never investigated the account. I am providing the letter I sent to Experian Credit Reporting Agency and Tracking Information to prove they sign for my letter. I also, did a Original Creditor Dispute to do my own investigation. I am going to provide that letter I sent to XXXX XXXX XXXX and XXXX XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX//18, I put a deposit down on a wedding dress for my daughter at XXXX XXXX in XXXX XXXX PA. The amount was {$350.00}. The bridal shop closed their business down and refused to let me pickup the dress and refused to refund my deposit. I reported this to Bancorp and filed a dispute on XX/XX/XXXX. Bancorp refuses to give me any information on the status of my claim, or they say that the investigation is ongoing, or that they have to contact the merchant, and they continue to change the date that the dispute investigation will be complete. I have explained over and over that this merchant is no longer in business and they are not reachable. I provided Bancorp with all requested information and they continue to play games with completing this. Today when I called for an update, the first agent in claims told me a decision would be made by XX/XX/XXXX. When I asked to speak with a supervisor, she said it wouldnt be until XX/XX/XXXX. It is absolutely ridiculous that this merchant has been allowed to fraudulently keep my funds and not provide a product! I want my money refunded immediately! 
Please help! 
XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 a XXXX XXXX balance of {$7000.00} was transferred to a recently opened Capital One Quicksilver credit card to take advantage of their 0 % interest rate for 15 months. Much to my dismay I am getting charged 25.74 %.
Product: Credit reporting or other personal consumer reports

The report from XXXX XXXX  was to be changed after an investigation from Consumer Financial Protection Bureau, submitted XX/XX/year>. You were supposed to change it and you did not. The other two credit agencies DID make the change. This is from Woman Within : As a courtesy, we sent a request to the credit reporting agencies to remove the delinquency from the credit report. As a courtesy, we previously applied a credit of {$67.00} to the account for the associated late fees. 

It was THEIR error. Please change the information. 

XXXX XXXX
Product: Credit card or prepaid card

I received my statement with the closing date of XX/XX/22, There were XXXX charges on the statement. I received and paid for the item in the amt of {$10.00}. The XXXX  item was never received. I notified the company that it wan not received. My bill should have been XXXX at this point. The next month I received a statement with late charges and the amt of the item I did not receive was still included in the balance. This went on for several months-more late fees and interest. I made several phone calls to the company and to Commenity Bank explaining the situation. I continued to receive bills with mounting interest. On XX/XX/22 I sent a letter to both Woman Within and Commentiy Bank to which I never received a response. More phone calls and interest. A couple of weeks ahgo Commentity called me and I explained the situation. The person I spoke to said she was going to note my account-refusal to pay. I do not owe them any money. I paid for what I received. I received a bill yesterday and the amt is {$230.00}. All interest and late penalties. Somewhere along the way Woman Within did credit me for the item I did not receive but they never credited for interest and late charges and they are still mounting. I don't know what to do!!!! ( I did receive something that I did not order and was addressed to someone in another state and sent that back )
Product: Checking or savings account

I have a business account that I deposit my check beginning of every month. These checks are relatively large in sum, I have been doing this every month for almost 4 years my checks would clear within 24hrs and I would then pay my bills. On XX/XX/XXXX, due to my heavy patient load ( medical office ) I was not able to personally deposit my check I asked my wife to deposit it. Wells Fargo is holding my full funds until the XXXX due to LARGE AMOUNT. My practices bank has confirmed that WF has received the funds. I have reached WF on the phone several times spent precious time with no reasonable explanation. I cut my office short and personally went to the branch that the check was deposited : XXXX XXXX XXXX XXXX XXXX, Texas XXXX, to talk to staff or manager they have not only removed the hold on my funds but can not give me a reasonable explanation as why, as why this time my check was withheld. One WF employ over the phone told my that the fund is too large. This check was comparable if not lower in amount as compared to my previous deposits. The unprofessional, unnecessary act of Wells Fargo Bank has now caused me valuable time away from my practice my patients it has caused my mortgage and bills to be late and it is effecting my credit score, simply due to their negligence.
Product: Credit reporting or other personal consumer reports

This dispute is regarding payments that were marked late by XXXX XXXX  XXXX XXXX XXXX on the following date ( s ) : XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my information and trying to establish credit without my permission and blemishing my credit report with unnecessary unwanted enquires. Received a letter dated XX/XX/22 from Wilshire Consumer Credit On behalf of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 instructions.
Product: Payday loan, title loan, personal loan, or advance loan

We are constantly receiving calls on our land line which we do not answer from First Horizon asking for additional information to finalize our loan for {$18000.00}. We did not request a loan from anyone. I called the local First Horizon bank and spoke with XXXX. She said they have not called us and they are getting a lot of calls from people that are concerned their identity has been stolen. The voice mails I am receiving come from different phone numbers but all are asking us to return their call at XXXX. I have not, and will not call this number, after talking with first Horizon locally. Here are the dates and list of numbers requesting a call back. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All calls are asking we call them at XXXX to provide additional information for our {$18000.00} loan. 
We have no need and have not applied for ANY loan. 
All voice mails left come from the same woman or man. Not from different individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Now this is my next step to filing a lawsuit. Thanks you