23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint us not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services or money ; and was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and under 15 U.S. Code 1681b Permissible Purposes of consumer reports I never gave any written consent to report anything on my consumer report. No consent is FAUD. 

BK OF AMER XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : CFPB Complaint Regarding XXXX  XXXX XXXX  Credit Reporting Errors Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a persistent credit reporting issue with XXXX XXXX XXXX XXXX XXXX ( XXXX  ) that has significantly impacted my credit standing despite multiple attempts to resolve the matter directly. 

During my regular credit monitoring, I discovered several erroneous late payment notations on my XXXX  account. What makes this situation particularly frustrating is that I have been enrolled in XXXX XXXX automatic payment program, with payments consistently processed on the XXXX of each month. I have maintained detailed records, including bank statements and payment confirmation emails from XXXX, all of which verify timely payments during the periods in question. 

On XXXX XXXX, I spoke directly with XXXX  representative XXXX XXXX about these inaccurate reports. During our conversation, XXXX XXXX acknowledged that my payments were indeed received on time and explained that the late payment notations were the result of a technical error during their system upgrade. Despite this admission and my multiple follow-up attempts to have this corrected, XXXX  has failed to remove these erroneous marks from my credit report. 

The impact of these incorrect late payment reports has been substantial. My credit score has decreased significantly, affecting my ability to secure favorable credit terms. I have diligently attempted to resolve this matter through multiple channels, including : - Direct communication with XXXX  representatives - Formal written disputes with the credit union - Credit bureau disputes- Multiple follow-up calls and emails I am seeking your intervention to ensure : 1. The immediate removal of all incorrect late payment notations 2. Updates to all credit bureaus reflecting my actual payment history 3. Written confirmation of these corrections 4. Appropriate measures to prevent similar errors affecting other consumers As a consumer who has maintained responsible payment practices, it is particularly disheartening to have my credit standing damaged by acknowledged technical errors that XXXX  refuses to correct. I believe this situation clearly violates the Fair Credit Reporting Act 's requirement for accurate credit reporting and proper dispute investigation. 

I appreciate your attention to this matter and look forward to your assistance in resolving it. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  Date of Birth : XX/XX/XXXX  Social Security Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This charge-off account being reported by XXXX  XXXX, account number : XXXX was opened in my name in XX/XX/2005 without my permission. I believe my identity was stolen to open this account. This credit card was never opened by me nor I gave anyone my permission to open it. I wrote several letters to Experian asking them to remove this fraudulent account from my credit file, they failed to comply. I filed a police report along with an identity theft report and sent them to Experian. 30 days later I received a letter from Experian stating that this fraudulent account was verified as accurate. This fraudulent account, which is now charged-off has caused me serious financial stress and my credit score has been severely impacted. Im asking that Experian remove this account from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Hello, I am one  of the many who lost most of their income due to the pandemic. I have excellent credit but I can't make the huge payments I have been making, so i tried calling Bank of America to get the 0 % rate extended. Since the XXXX are doing this, so should the credit companies. I couldn't get through. The automated system said I could defer three payments but the very high interest would still be charged when my 0 % fee ran out. I had planned to pay off the card by that time, but with the pandemic that isn't possible. The XXXX reported that Bank of America wasn't giving customers an interest rate break.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against NAVY FEDERAL for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

XX/XX/XXXX- signed contract for solar panels ( {$50000.00} across 4 credit cards, all $ XXXX and up ) XX/XX/XXXX - called into customer service to see what options ( had not received solar panels yet ) - was told max $ XXXX return - so continued to work with solar company and their date extensions due to " rains '' XX/XX/XXXX - solar company quit responding XX/XX/XXXX - hired lawyer- got nowhere, credit dispute dept basically told lawyer they could not even settle with me until my card goes 90 days delinquent Currently - I am now 90 days delinquent and settlement offers are lame- and principle of the matter of having to settle for something I never got is physically upsetting That solar company closed shop, 1 owner ran and the other opened another solar company in our same area yet I can't do anything to them to get my money back. 0 % looked great as an option for solar panels vs 5 % min bank loan - now its a nightmare XXXX and Capital 1 both clinging to 120 days to report fraud. I wouldn't have known at that point.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX XXXX has placed a collection account on my credit report without verifying the debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my formal requests for validation, they have failed to provide any proof that I owe this debt or have any business relationship with them. Additionally, they have provided false statements to the CFPB and have not responded to requests for verification. And this reporting agency is reporting twice on my credit report as two different debts.

1. Failure to Validate Debt ( 15 U.S.C. 1692g ) Under the FDCPA, I have the right to request debt validation, and they are required to provide proper documentation. They have failed to do so.

2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) Under the FCRA, they are prohibited from reporting unverifiable or false information to credit bureaus.

3. Failure to Respond to Dispute ( 15 U.S.C. 1681i ) Under the FCRA, they must investigate and respond to my dispute within 30 days, which they have failed to do.

4. Unfair & Deceptive Practices ( 15 U.S.C. 45 ( a ) ) By reporting unverified debt and failing to provide proof, they are engaging in deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( 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: Checking or savings account

While I was asleep at XXXX in the morning on XX/XX/XXXX my chime bank accounts were hacked. All of my checking was gone and savings and they opened up a credit card in my name. They put thousands of dollars from my savings onto the credit card and spent it all. They gave me my checking account back within a few days however its been over XXXX months that Ive disputed it numerous times and done rebuttals. I sent them an email of how I got text messages when the hackers changed my phone number on the account. All of the charges for XXXX were in the middle of the night and all of the ones that were on the credit card that the hackers opened were all to XXXX name via XXXX XXXX. I do not have XXXX XXXX and I do not know the person that all the transactions were to. I have been fighting for months now to have them get the money back and close the credit card and put the money back into my savings account that was stolen from me. I have no idea how they arent able to see it was obvious fraud there are so many red flags and Ive provided them with additional information and screen shots showing the hackers changing my account info. I am now in my third rebuttal with them and still from any of the previous ones have I gotten any documentation as to why they arent resolving this for me.
Product: Debt collection

XX/XX/year> I contacted and settled the debt with XXXX XXXX XXXX XXXX XXXX they promised to delete it from my consumer report the original creditor XXXX XXXX XXXX put it back on my consumer report. The original account XXXX this a violation of my rights, you can't take an account off and put the same one back on. I did my part and paid as agreed. The consumer reporting agency is violating my rights by reporting the same thing twice and the XXXX XXXX XXXX sold the debt and trying to collect twice. Please look into this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX ( XX/XX/XXXX and XX/XX/XXXX ) to dispute a 30-day late payment that Wells Fargo reported for XX/XX/XXXX and provided them with copies of my Wells Fargo statements showing that Wells Fargo made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( Wells Fargo has me past due incorrectly on my XXXX statement ). After submitting the evidence to XXXX, they sent the information to Wells Fargo, but Wells Fargo validated the late payment even though I provided evidence and XXXX disregarded the evidence and left the 30 day late payment because Wells Fargo " validated '' the late payment. I have disputed this twice with XXXX on XX/XX/XXXX and on XX/XX/XXXX and XXXX completely disregarded the evidence/documents. I called them today XX/XX/XXXX after noticing my disputes were closed but I was not able to get the results online. They said the disputed were closed because Wells Fago validated the late payment. XXXX confirmed even if they are in receipt of evidence, that they dont actually investigate and will go based on what the creditor says. I have been getting the run around and also XXXX refused to connect me with a supervisor and instead they referred me to dispute this with Wells Fargo. Overall, they confirm they receive the dispute and just forward it to the creditor. No actual independent investigation is done at their end and if the creditor is incorrect - they dont do anything and instead keep reporting the late payment on the consumers account. I hope you guys can help me out with this. Thank you!!
Product: Debt collection

Called me left numerous of voice messages XXXX False claims of started legal action. I decided to call them back. They claim it's for a XXXX XXXX account. Claims that legal action of fraud and debt collections against me. They used my correct name DOB and address and said I'm out of the XXXX XXXX area.after a heated conversation I hung up. So I called XXXX  XXXX immediately and spoke to a representative who said they have no record of me owing or in collections for anything with XXXX  XXXX. This firm said their a mediation firm. Spoke with a man.
Product: Debt collection

An account was opened under with my information from XXXX XXXX XXXX while back without my concern and ill like dispute this dept.. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my FOURTH attempt to get this rectified! I have 4 Unverifiable/unknown collections reporting on my credit report. I have send THREE requests to Equifax to verify and or remove these collection accounts that have no creditor/collection company name on it. This is a complete violation of federal law and 9 months later I am still trying to get these removed.
Product: Credit card or prepaid card

I am disgusted that your agency allows companies to misleadingly send advertisements for prepaid cards in the mail to unsavvy consumers. I received what looked like a credit card in the mail with the standard e-mail land phone number on it to activate the card. But this was not a card for an account I have. It was an advertisement for a prepaid debit card that was designed to trick me into activating it like a replacement card on one of my accounts. 

Why do you allow this? 

This scam card is from " Netspend Prepaid XXXX '' from " XXXX XXXX XXXX, Member FDIC ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax never gives me a free credit report. I try every year but for some reason I always have an issue. The only way I 'm able to get it is if I buy it.
Product: Credit reporting or other personal consumer reports

Hello. There are two inquiries in my XXXX profile that doesnt belong to me or any product that I have.

Inquiry information : XXXX XXXX XXXX XXXX XXXX XXXX  Capital one bank, XXXX XXXX I dont recognize those inquires
Product: Student loan

I have a student loan owned by Citizens One and due to my worsening XXXX XXXX I have been unable to work for some time, I am receiving Social Security XXXX, have been approved for a Federal XXXX discharge, and approved by XXXX for a full discharge of the student loans that they held. I asked Citizens for a compassionate review of my private loan ( about {$43000.00} ) 2 months ago and they have n't responded.
Product: Debt collection

I started receiving calls from a debt collector starting at XXXX XXXX. I answered the call multiple and there is no response from the caller. I called a variation of numbers throughout the day. The numbers are XXXX, XXXX, then XXXX. The representatives all refused to tell me who they are calling for and don't leave messages they just hang up. I have received a total of 8 calls since XXXX XXXX. I do not have an account in collections all of a sudden. The company is called Sequium and the amount owed is stated on a recording for {$2700.00}. When you choose to speak to a representative they refuse to tell you who they are looking for and disconnect the call. 
I called the number on their website and was met with the same challenge. How can they collect a debt from the right party if they refuse to tell you who they are calling for? This is my number and I do not have to disclose my identity to strangers requesting money. My husband passed away a little over a year ago and I need to know that this is not some scam because I pay my bills and this is annoying while I am working. Thank you in advance for your assistance. I am listing myself as the borrower, however, I have no idea what account they are referencing.
Product: Credit reporting or other personal consumer reports

I have submitted Police reports, then FTC reports, I have shown proof of State issued ID with address. Have requested fraudulent addresses and finance accounts to be blocked and removed from the credit reporting agencies on multiple occasions. The information either remains or reappears later back to my personal credit reports.. I have called the credit unions reporting the information and the credit bureaus. I have followed all requested procedures of relief and to no avail, I am frustrated with this process over the past couple years. They know that I have been a victim of identity theft from XXXX breeches and others compromised companies from my person information to my IRS tax returns, they stole my stimulus in XXXX XXXX years and the credit bureaus continue to report inaccurate false derogatory accounts to my personal credit reports. I was told to contact this agency for relief, since they seem to dismiss the Police & FTC complaints. They just keep reporting the same derogatory comments month after month with a couple of inaccurate addresses that I have disputed over and over.
Product: Prepaid card

Hey how you doing I was at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida at XXXX ATM at XXXXXXXX XXXX XXXX  number XXXX I tried to withdraw {$140.00} out the ATM it charged me {$140.00} no cash came out the door PNC Bank ATM it gave me a receipt that said incomplete transaction card retained please contact XXXX XXXX I use my cash app card and ending in XXXX I also reached out to cash out they told me going to take 45 days in order for a dispute I feel like that's too long to wait because I have my bills to pay and I never received any money out the ATM I know that XXXX has a camera system that can view that and show that I didn't receive any cash out the ATM this happened on XX/XX/year> I'm very upset how can you help to solve my problem I also try to reach out to PNC bank and they told me to call my bank that's cash app there was no help at all my reference number is XXXX for cash app please help I can be reached at XXXX XXXX XXXX my email is XXXX XXXX XXXX I also reached out to the XXXX XXXX and she told me to call the PNC Bank that it was nothing that they can do because they don't own the ATM all she did was wrote on the receipt the store number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida
Product: Credit reporting or other personal consumer reports

Student loans from Edfinancial in the amount of {$3500.00} From XX/XX/year> another in the amount of {$2800.00} From XX/XX/year> in amount of for {$620.00} from XX/XX/year> another in amount of {$2800.00} from XXXX XXXX XXXX in the amount of {$1700.00} are fraudulent and are not in consent of me along with fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  data breach and believe some of my accounts were compromised.
Product: Mortgage

In XXXX of 2020, I refinanced at a 3.25 % interested rate and my mortgage payment was XXXX. Due to COVID, I was unable to pay my mortgage and took out a COVID loan for the month of XXXX through XXXX. I resumed my normal mortgage payment in XXXX. On XX/XX/XXXX, an escrow analysis was done and my mortgage jumped to XXXX due to a shortage in my escrow. Oceanside Mortgage agreed to spread the escrow shortage over 60 months on XX/XX/XXXX and I was told to pay {$2300.00} for XXXX mortgage per their notes and which I paid and in XXXX my mortgage payment would rise to {$2300.00} for the next 60 months which I have already paid. Oceanside continues to harass me about a shortage in payment in the amount of {$270.00} which i do not owe them. They continue to say they will fix the issue but it never happens and because of this, they refuse to take my XXXX payment, which can put me in a delinquent status. I need help now and will file a complaint with the FHA
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries associated with my credit file. As a victim of a data breach, I have identified the following entries on my credit report that I did not authorize. Pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I request these entries be removed from my credit profile. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I noticed four charges : XX/XX/22 EXXXX  {$800.00} XX/XX/22 XXXX XXXX {$560.00} XX/XX/22 XXXX XXXX {$510.00} XX/XX/22 XXXX XXXX {$490.00} XXXX didn't recognize and I didn't make. I immediately notified my bank, Current, and they said it looked like someone had made the charge using my debit card numbers. They helped me file a dispute and said the funds would be back in my account within 10 days, as panicked I let them know that was a lot of money to me. I also informed them I'd been a victim of bad identity theft and had gotten multiple alerts recently. I never received my funds back, instead all I got was an email on XX/XX/22 saying no error occurred and no credit would be issued. I was sickened they could come to this conclusion. They said I could request the documents or written explanation used in determining the final outcome of the investigation. I made this request immediately but never heard anything from Current. I want Current to put the funds from these four charges I didn't make back in my account immediately.