23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Enhanced Recovery put a negative collection account on my credit report. I NEVER GOT A LETTER EVER! And since I have no " account number '' to have them reference, I have no idea. They want me to disclose PII via email! Any person who knows email is NOT SECURE and they want me to disclose that in cleartext??? XXXX! 

I have no idea what ERC has on me. In the XXXX printout ( PDF ), the only info I have is what I have and nothing more. The reply from " XXXX '' is highly unprofessional.
Product: Credit reporting or other personal consumer reports

debt collection company has listed false information on my credit reports. I have no knowledge of them or their alleged debt. They have not sent me any verification the debt is mine or they have any authority to collect alleged debt. this is the 3rd different junk debt buyer that is trying to collect on this alleged debt.
Product: Debt collection

Failed To answer my Debt validation letter, Reported debt to the XXXX XXXX without my permission. i do have the signed debt letter however its not scanned nto my computersi am sending a copy
Product: Credit reporting or other personal consumer reports

Kohl 's is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by Kohls/Capital One account number XXXX was received from IRS. Kohl 's is inaccurate reporting income a certificate of indebtedness to my consumer report. I know it is the Trustee responsibility to discharge please make sure that it is done. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX XXXX # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm logging my official complaint with the CFPB regarding the Equifax data breach and their handling of it i.e. delay in notifying consumers and/or the proper authorities about the leak, improper/ineffective response to the leak in supporting consumers affected by the leak, and an outright disregard of the consumers they 're expected to protect. 

At present, I have no way of knowing how my information has been compromised in the slightest degree. I am faced with preemptively securing my identity and my credit from improper usage. This has taken hours of my time so far and will continue to require untold hours to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has a collection report from XXXX XXXX XXXX on my credit report. I have contacted XXXX XXXX XXXX about this account ; they have no information about it. I opened a dispute with TransUnion, they closed the dispute and will not share what evidence XXXX XXXX XXXX presented to them. I do not have any records of an outstanding invoice, bill, or service with XXXX XXXX XXXX and can not obtain one from them or TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had updated my report and found that this account doesn't belong to me this is really afecting mylife I need this to be fixed.
Product: Payday loan, title loan, or personal loan

I called into Ohio Acceptance 2 days before my payment was do to withdraw from my account to set up an arrangement to make the payment on a later date. The amount of {$160.00} was due on XX/XX/XXXX, I wanted to post phone the payment until XX/XX/XXXX. My next payment was set to come out of my account automatically on my next pay day which is XX/XX/XXXX, in the amount of {$160.00}. The person on the phone, her name is XXXX, told me on a recorded line that she agreed to allow me to make that arrangement. She told me to call in on XX/XX/XXXX to make the payment over the phone for {$160.00} to avoid having a double payment of {$320.00} due on XX/XX/XXXX. She agreed to all of this. Well, today I look at my checking account and not only did Ohio Acceptance withdraw the {$160.00} that I needed to pay on XX/XX/XXXX, but they withdrew an extra payment, so in total {$320.00}. I did not agree to this, XXXX said nothing of the sort on the phone with me. My checking account is ruined and now I am short on rent. Please help me with this, I do not know where else to turn for help.
Product: Checking or savings account

Regarding the Navy Federal lawsuit. XXXX knowingly allowing overdraft fees. Statements are not even available to provide. Seems they were erased. 

Access number XXXX XXXX XXXX Checking account.
Product: Mortgage

I requested a modification as a result of covid and was given a maturity date of XXXX. I purchased my home in XXXX. I filed bankruptcy in XXXX and my lawyer failed to reaffirm my home through my lender. Years later, XXXX XXXX was found guilty of Mortgage Fraud and my loan was sold to Select Portfolio Servicing ; a collection company. Once Covid hit, I lost my job and fell behind on payments. They tried to offer me a payment plan that affords the company to make {$18000.00} in additional interest with an increased monthly payment of {$1400.00} that I could not afford. Upon complaining and threatening to see them in court if they file foreclose, they offered me the loan modification that kept my same interest rate of XXXX yet extended my loan by 21 years. That's absurd. I told them their practices had to be illegal and that I would file a complaint with the government to seek justice. Please look into my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15.U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish An Acct without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I pulled an XXXX credit report, to check my score prior to purchasing a car. I was surprised to see my score terribly low. I reviewed the report to find a host of items that I did not recognize. I attempted to reach out to the creditors but was refused any information, because I didnt have the passwords or PINS to the accounts and without that information I would need to get a police report to move forward. I have not given anyone permission to use my information to obtain credit or open accounts with my personal information. Please find the following account information : XXXX XXXX OPENED XXXX, XXXX open balance : XXXX original creditor XXXX XXXX XXXX XXXX status : open responsibility- joint XXXX XXXX XXXX opened : XXXX open balance : XXXX original creditors : XXXX XXXX XXXX XXXX XXXX  status XXXX open responsibility : individual XXXX XXXX XXXX opened XXXX XX/XX/XXXX balance XXXX status : closed XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX open balance : XXXX original creditors : XXXX status : open responsibility : individual INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these accounts, filed a police report, I have been successful in removing some items but I continue to see several items showing listed above even after my repair attempts.
Product: Checking or savings account

I am filing this complaint against USAA regarding my inability to access my account due to their flawed identity verification process and poor customer service response.

1. Account Locked : My account was locked, and I was instructed by USAA to visit usaa.com/XXXX  ( https : //www.usaa.com/XXXX  ) and usaa.com/XXXX ( https : //www.usaa.com/XXXX  ) to upload my identity documents for verification.

2. Submission of Valid Documents : Following their instructions, I uploaded both my passport booklet and passport card multiple times, ensuring the images were clear and complete. However, their portal repeatedly states, Unable to validate ID or Were having trouble validating your ID photos. Please upload and submit new photos. Despite trying multiple devices, including phones and a computer, the issue persists, making it clear this is a fault on USAAs end.

3. Failure to Verify Using Codes : I also provided the only codes associated with my account : PIN : XXXX Alternate code : XXXX Phone number password : XXXX Despite providing these details, USAA stated they could not verify my account. These are the only codes I have associated with my account.

4. Failure to Resolve the Issue : When I reached out to USAA, they redirected me back to their identity verification portal. However, the portal is clearly faulty and can not validate my identity, even though my documents are valid. This has left me unable to access my account entirely.

Resolution : I need immediate assistance to unlock my account and access my funds. USAA must address and resolve the issues with their identity verification portal, as it is unfair and unacceptable for customers to be locked out due to technical faults on their side.

Please help me ensure that USAA takes prompt action to resolve this issue and provide me access to my account without further unnecessary delays.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a closed account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( private ) Another closed account opened at XXXX XXXX on XX/XX/XXXX Account number ( private ) Another closed account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX Account number ( private ) Another closed account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ) A Collection opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( private ) The inquires that need to be removed are ; 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 account. Closed accounts need to be updated to always paid on time are listed as ; macys/cbna account and wfbna card. All other addresses need to be removed from my credit report. the only address that needs to be listed is XXXX XXXX XXXX XXXX XXXX, ga XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX bank card listed on my credit reports which I've disputed and the negative information still has not been removed. For one account it is listed as a charge off of {$2400.00} in XX/XX/XXXX, but with a credit amount of {$1500.00} that month and pays as agrees status through XX/XX/XXXX and a delinquency first reported on XX/XX/XXXX, but also first reported in XX/XX/XXXX. This is all incorrect, obviously, and should have been removed from my report. For the second account there is a charge off amount of {$2300.00} in XXXXbut with no balances for that year, only for XXXX and no available credit ever listed. I've repeatedly requested this negative incorrect information be removed as well. but it has not been.
Product: Credit reporting or other personal consumer reports

Greetings, my name is XXXX XXXX XXXX XXXX XXXX, and I am consumer of the age of XXXX. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Credit Reporting Agencies ( CRA ) TransUnion, XXXX, and XXXX under 15 USC 1691 ( a ) ( 3 ), assumed this role without permission not only that, they did not have my consent. CRAs did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). CRAs did not exercise their grave responsibility, they were unfair, they were partial. Im doing this due to the fact that because of the actions of these CRAs, I am unable to buy cars, houses, or anything in general that a consumer needs to survive in the United States. CRAs never had a permissible purpose under 15 USC 1681 b ( 2 ). I never instructed CRAs to furnish this report and I never consented to this report in the first place. What I am demanding right now is that CRAs deletes all accounts that are reporting and all hard and soft inquiries, that are hindering and discriminating me, whenever I try to purchase or receive credit for consumer purposes only. If any further information to be required to further support my claim, you can reach out to me by phone ( XXXX ) XXXX or by email ( XXXX ). 
Thank you for your time. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$4500.00} XXXX  Account number : XXXX Balance : {$1500.00} XXXX XXXX XXXX Account number : XXXX Balance : {$510.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account number : XXXX Balance : {$480.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance : {$4500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance : {$1500.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account number : XXXX Balance : {$1200.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Balance : {$2100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$510.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX Balance : {$110.00} XXXX  Account number : XXXX Balance : {$480.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX  XXXX Account number : XXXX Balance : {$3000.00} XXXXAccount number : XXXX Balance : {$1500.00} XXXX Account number : XXXX Balance : {$0.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$1900.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$19000.00} XXXX  Account number : XXXX Balance : {$1900.00} XXXX Account number : XXXX Balance : {$1700.00} XXXX  XXXX Account number : XXXX Balance : {$570.00} XXXX  Account number : XXXX Balance : {$2100.00} XXXX  Account number : XXXX Balance : {$1200.00} XXXX  Account number : XXXX Balance : {$1400.00}
Product: Checking or savings account

i spoke with someone from the bank and there was three accounts opened two checking and one savings i have not used bank of america in years and now they are saying that i owe them {$1800.00} for something that was not my fault i been trying to report it as fraud and they just keep calling my cases out and its stopped me from getting other accounts because this one is owed on and this is ridiculous i been going through this for 4 years now and XXXX cant open no bank accounts at no other bank because of this is on my XXXX XXXX credit and i just want it cleared up
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft my identity has been stolen and used to open several fraudulent accounts
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding the unauthorized reappearance of an account on my credit report, which was previously blocked under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B due to identity theft.

The account in question, [ XXXX XXXX XXXX XXXX ], was initially identified as fraudulent and subsequently blocked from appearing on my credit report in accordance with FCRA 605B. However, to my dismay, Experian has allowed this account to be reported back onto my credit report without providing any notification or explanation, as well as failing to furnish me with requested documents regarding this matter.

Despite my repeated requests for information and documentation regarding the reappearance of this account, Experian has failed to provide any satisfactory response. I have not been informed of the basis on which this account has been reinstated, nor have I been provided with any evidence verifying its accuracy or legitimacy. This lack of transparency and communication from Experian is deeply concerning and has further exacerbated the distress caused by this situation. 

Furthermore, it is important to note that the creditor associated with this account has been unable to verify the information they reported to Experian, casting doubt on the accuracy and validity of the account. Despite this, Experian has allowed the account to remain on my credit report, thereby negatively impacting my creditworthiness and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In brief, XXXX has run a credit report on me without my permission, knowledge or consent. 
I had an account with them until recently. I wanted to downgrade my services and move them,, as I moved houses recently. The representative decided to close my account and then open a new one for me. This required, according to the representative, a credit check. I refused since I was their customer until 2 minutes prior and I find this ridiculous. I said no thank you and left the store. 
A few days later I received in the mail a letter denying my request for an account because of my score! My score is actually in the high zone and so that was a lie. They provided several reasons, one of them that I do not have a SSN, the my credit history is too short and so on - reasons not grounded in reality. 
I tried to contact them, was promised a reply back and never heard anything. 
I find it outrageous that a company like that allows its employees to run credits reports without permission or reason.
Product: Credit reporting or other personal consumer reports

I am disputing the information on my Equifax report collection account XXXX with # XXXX and balance of {$510.00}. The original creditor is XXXX  XXXX  I am a victim of identity theft and I never authorized this account I requested proof or verification that I agreed to this contract and have still not reached a resolution. 

; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 166B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted consumer complaint letters to Experian and XXXX because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.
Product: Checking or savings account

I went to open a bank account with Navy Federal, but I was denied. When I requested the reason why I was denied by the teller and told it was because I had an outstanding balance with Navy Federal. Navy Federal never notified me that they were going to report this information to any consumer reporting agency and the information they reported is not completely accurate per the FCRA. I am a single mother who needs my bank account to receive funds to take care of my family. The denial is hindering me from caring for my family. failure to remove this info will result in me seeking legal remedy
Product: Money transfer, virtual currency, or money service

My mother, XXXX XXXX , sent me {$200.00} on XX/XX/year>2024 via XXXX XXXX Meta Pay. Despite having both of my bank debit cards tied to my XXXX account, XXXX " glitched '' and the money is now in limbo. It was deducted from my mother 's checking account, but is considered cancelled AND accepted simultaneously. These messages can not be displayed on any browser ( Neither XXXX XXXX or XXXX XXXX, even in incognito mode, worked to display these messages after using my encryption pin to restore messages ), and XXXX can not load any receipt or summary. There is no longer any option on the desktop site to access pay settings. Since XXXX has absolutely no customer service department, phone number, chat, or email they can be reached at, the only way I can get in touch to find out what has happened is to submit this complaint.
Product: Debt collection

Transworld Systems is attempting to collect a debt and they a. are not licensed to collect debt in Illinois b. Refused to send verification of debt I requested verification of debt XX/XX/22 to Transworld Systems XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX and the letter was returned to sender.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 4 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.