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

XXXX, Equifax, XXXX XXXX credit reporting agencies are all reporting incorrect information on my credit report that is preventing me from obtaining credit. They all show that I filed bankruptcy. This information is inaccurate, I have written them letters and asked for proof of validation for this information which they have failed to provide. I have also asked each credit reporting bureau to remove this from my credit report as well. I ask that the CFPB please step in to have this information removed from my credit reports.
Product: Checking or savings account

I had requested 6 months of average balances multiple times for HUD things. they kept sending 2 months despite MULTIPLE calls
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX
Product: Credit card

On XX/XX/XXXX and XXXX, purchase with card got declined. I contact BOA on XX/XX/XXXX. I was told the credit card is closed and got a numberXXXX, for further information. I called this number on XX/XX/XXXX and the representative told me all my accounts including checking/saving/credit cards are closed. I request for reason but he announced it's a business decision and can not disclose anything. I asked about the rewards and he said all rewards are forfeited. I complain about this and he insist on this action. At that time, there are XXXX points in card ending in XXXX and XXXX points in card ending in XXXX. Currently I can not redeem or transfer points on the BOA website. On XX/XX/XXXX and XX/XX/XXXX, I got BOA mails showing my credit cards are closed, the checking/saving will be closed in 30 days.
Product: Credit card

Navy Federal Union blocked/restricted me from adding a new payment method when my old bank account was used by mistake and the payment didn't go through. I have asked to have that ability reset, they have refused and tried to make me pay a third-party collection agent that I would have to pay extra for. I should be able to make that update and continue paying my balance. Instead, they are delaying that and allowing more debt to incur on my account and damage my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my information among 143 million others as I learned today that my information was stolen. They have my social security number, credit card numbers, income, employment info, birth date, legal name, know my equity levels, and access to security questions. I am very concerned that my identity will be hacked and compromised after being careful all these years to avoid dodgy websites. I am very concerned that someone may steal my identity and credit and or file a fake tax return now that they have my information. This is a huge problem and I hope the government can do something about it.
Product: Debt collection

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.Someone has opened up a fraudulent account in in my name that is now reporting to my credit. The following account XXXX XXXX XXXX ( Account Number : XXXX ), Original Creditor : XXXX XXXX. Date Opened : XX/XX/year>. XXXX {$170.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX and I do not have any contract with XXXX XXXX XXXX. I have attached a copy of my ID and my FTC report. ( Please see the attachments )
Product: Debt collection

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

This report shows inaccuracy.
Product: Credit card or prepaid card

My first unemployment payment was processed on XX/XX/2020. Today is XX/XX/2020 and I still have not received the XXXX from USBank. I have tried to contact them at XXXX multiple times throughout the week. I sat on hold for 4 hours and no one answered. I tried calling at different times during the day and can never talk to someone about a replacement card or what I can do to fix the problem. Since then, I have opted to use direct deposit instead. I have 3 weeks of benefits on that card, estimating to about 1000 .
Product: Debt collection

I received a call from XXXX which is the XXXX XXXX XXXX XXXX when I answered recording goes sorry I missed you call me at XXXX which is recovery management solutions. This is a collection company using another companies phone number which is illegal! 

These people need to be taken down for this kind of shady business tactics
Product: Credit card or prepaid card

I have been receiving multiple pre-screened firm credit offers from Capital One, with which I have a savings account, over more than a year. The last one arrived last week. This is despite having submitted a request several months ago to no longer receive such offers in accordance with the Fair Credit Reporting Act via the website XXXX XXXX XXXXXXXX. Apparently, this is the only method for opting out of Capital One credit card offers. I do not want these offers and view them as a violation of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Credit reports XXXX XXXX XXXX, reported as of XX/XX/2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested my free annual credit reports from the three main credit bureaus via a toll-free telephone number of ( XXXX ) XXXX. I was informed that all three reports would be processed and mailed within 15 days. XXXX  provided my report within a week and XXXX  sent me a written request for some additional identifying information. Equifax never responded. On XXXX XXXX, 2020 I telephoned a number of toll-free numbers to try and reach a responsible party at Equifax. At ( XXXX ) XXXX I first spoke with " XXXX '' who was very rude and inept. She kept interrupting me and I had to tell her three times that I was calling about the toll-free telephone number request of XXXX. She kept asking me if I made the request online. I next spoke to " XXXX '' who claimed to be a supervisor. XXXX obtained several pieces of my personal information and then said their system needed more information. He did not specify which information but was insistent that I fax whatever it was to Equifax. I do not have a fax. I asked and insisted several times that Equifax request such information in writing. XXXX could not confirm that Equifax had ever done so and said he would not ( could not ) do it and would not try to locate anyone who could/would. Equifax is not exactly a poster child for security or customer service. Sending any personal information to them is a risk -- particularly without a documented paper trail that they have requested such. I don't know who XXXX is or if that is even his correct name. He refused to put me in touch with his manger and I doubt his veracity and competence. Without something in writing from Equifax, they could easily say they never requested certain information, they never wanted or needed it ; or that I was making a second request and try to charge me for a free report. They could eventually send me two separate reports and try to charge me for one or both. Equifax has not responded to my request for the free annual credit report. They did nothing until I was forced to follow-up and then they refused to document their alleged procedures in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00}
Product: Checking or savings account

I requested to have my sister added to my deposit accounts at the bank. I called to get their instructions on how to get this accomplished as my sister was driving from her home in Oklahoma to South Dakota for a visit. My husband and myself both have health issues so we need to have a relative who can step in to pay bills should I become incompacitated. My husband had a XXXX and is unable to handle finances. After many calls in XXXX we were able to get her signatures on the accounts. Now Wells Fargo has sent letters and emails..2 of each to her stating they need her job title and she needs to go to a branch to give them that information and sign. They never asked for this information on the 3 trips she made to the bank nor was this information asked for on the form to add her to the accounts. It was explained that she would never be depositing into the accounts as Oklahoma has no banks/branches for Wells Fargo XXXX She would need to again drive XXXX XXXX  to XXXX XXXX XXXX SD to get this done. The personal banker who helped with this did not seem to be trained as she told us to write a letter to get her added and sign it and it would be completed. This was not their process as we found out. Wells Fargo is now stating they will close the accounts in 30 days per the email my sister received on XX/XX/year>. My concern is that both our direct deposits for my husband and my social security deposits along with my husband 's VA Benefits direct deposit would be affected. Since this is time sensitive is it possible to rush this? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX  XXXX  # XXXX, has violated my rights. 

XXXX5 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 Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX I have been disputing these charges/reports via credit karma since XXXX.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM THE CFPB THE DOCUMENTS NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO THE XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER XXXX ACCORDING TO TRAFFICKING -DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK AND REMOVE ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VITICM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL THE LISTED ACCOUNTS TO BE BLOCKED AND REMOVED FROM MY CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS 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: Money transfer, virtual currency, or money service

My cabinet installer overcharged me and he had to give me a refund of {$500.00}. Since his work was far we both agreed to use XXXX on Bank of America mobile transfer since it's advertised as it's quick, easy and secure. So he sent {$500.00} via XXXX, I got a text message that the cabinet installer sent me {$500.00}. so I checked my account on Bank of America, but the money never come in. He showed me the transaction was completed, he put the correct phone number, there was no mistake to send to the right recipient which is me. We both called Bank of America, they said they will fix the problem but after filing 2 disputes and 2 claims against the error that Bank of America has occurred, they clearly lost the money, 3 of the bank 's representatives said and admitted that they are not supposed to tell customers not to use XXXX to send or receive money because it is not the most secure way to make money transfer. After waiting for their decision and the bank is now saying only thing we can do is filing a legal action against Bank of America. Please let the bank stop giving misleading advertisement with XXXX.
Product: Debt collection

Got a letter about this auto loan in collections, and they have been calling my XXXX XXXX XXXX mom advising her about attorneys, so I got this letter and called them said was for and XXXX XXXX XXXX back in XXXX when it was purchased I advised them never owned a XXXX or financed a XXXX advised of Identity theft back in XXXX where the female was arrested and did a year in prison so I was advised to file this complaint.
Product: Debt collection

I sent a certified letter to PORTFOLIO RECOVERY on XX/XX/2024, asking for VERIFICATION AND VALIDATION of alleged debt owed. As of today 's date XX/XX/2024 I have not received any correspondence from this company., In the letter I also asked that they promptly delete any and all prior consumer reporting made to any CRAs. 
Therefore, I am asking that this information that they have illegally placed on my credit report be removed from all credit bureaus. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Started on XX/XX/XXXX, when a charge of {$1800.00} was made at a target in XXXX, Delaware. I called because i saw the charge and i disputed and they were supposed to lock my account. But the account was not locked so on the XXXX of XXXX, two more charges were made at a XXXX  for {$770.00} and {$1800.00} in the same state of Delaware. Mind you i live in Virginia  and i just got back from basic and XXXX. I've never been to the state of Delaware. USAA told me that i authorized the charges when i never did. Then it continued when they still hadn't locked my account. On XX/XX/XXXX, two faulty checks of {$5000.00} and {$4200.00} were deposited in my account. Then the money was sent out through XXXX XXXX and XXXX XXXX, i called usaa and opened a fraud claim and assured them that i did not cash in these checks. After a couple of days they came to the conclusion the checks were indeed faulty and they would be resent. And since i am the owner of the account i am liable. i lost {$5600.00} of my own money i had before this and now i will have to pay them almost {$10000.00}. The checks do not have my signature on them, and they are from states i have never been in. USAA have concluded my claim and they will not review it anymore. Also i have just received my bonus on XX/XX/XXXX and they are using that to pay off faulty checks i had no business in doing. The checks have my name on it but they are not my signatures, they were also not deposited through my phone. USAA in all honesty have not helped at all and have mislead XXXX with info for three weeks straight now.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX ( XXXX XXXX, hereafter referred to as XXXX XXXX XXXX XXXX  ( hereafter referred to as XXXX ), and XXXXXXXX XXXX XXXXXXXX ( hereafter collectively referred to as XXXX XXXX  ) engaged in multiple deceptive trade practices under the Texas Deceptive Trade Practices Act and Federal Consumer Protection Laws disguising predatory and unfair consumer lending product as a business lending instrument as a means to circumvent and effectively strip away consumer protection of the personal guarantor and business owner. Additionally, the hiding or otherwise emitting of details on fees pertaining to lending. They further engaged in unfair business practices in breach of good faith and fair dealing and violated terms of the contract. A resolution to this claim is just and should be reached in good faith. To ensure visibility, transparency, and timely resolution of this matter, this complaint has been submitted to the following agencies concurrently. Please refer to the attached complaint and supporting materials for further details.