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

I have checked my credit report and I still see the inaccurate accounts from my credit report so please check the documents I've sent as it is connected to this serious matter.
Product: Checking or savings account

I opened a checking account with XXXX XXXX ( back when that's what it was called ), my husband was not on the acct initially but I added him when my health dictated I wouldn't always be able to get there. At one point they called me and asked if I would like to have overdraft protection and I said no, I did not, I wanted the charges so I would be motivated NOT to get them. Then I got something in the mail a few months later and it was a bill for overdraft protection. I took it to the bank and asked why I was getting it, they said, because you have o.p. I repeated that I did not have it, I'd declined it and the branch manager looked it up and said, yes, I see right here that you said no, however we called your husband and he said yes. so I said I would pay the checks but not those fees. A few years later I was taken by them to small claims court and my husband went in my stead as I was too ill to go. The case was found that I do not have the income to pay this back as I only have XXXX. The bank charged it OFF but has continued to add up fees. I am not going to pay XXXX in fees but have again told them I will pay the XXXX and change when they provide me with a letter stating that this has been an accepted agreement with them. They would NOT speak to my husband as he was NOT on the o.p., but neither was I, and though they've told him repeatedly that they wouldn't speak to him they HAVE been speaking to them. I have tried to as well and the phone call convienently gets dropped constantly. I asked them for proof of my signature on a promissary note and they said they don't provide that to the customer, they also wouldn't send me anything stating that this account is in dispute. They are making it virtually impossible for me to pay what I owe which is the checks and their associated fees ( the insf fee ) yet KEEP racking up finance charges, I've also NEVER received anything from them stating they are still charging fees. They've got me between a rock and a deceptive, fraudulent place and I need assistance with them to pay them what I owe and get the credit report reported to honestly. please help me, thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting XXXX  ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX_ 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX) & 60 day late (XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) XXXX XXXX_ 30 day late ( XX/XX/XXXX), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15USC 1681n. 
Portfolio # XXXX. XXXX XXXX XXXX. XXXX funding # XXXX. XXXX XXXX # XXXX. XXXX # XXXX. 15USC 1681 section 602 A. Stateside have a right to privacy. 
15USC 1681 section 604 A section 2 : it also starts a consumer reporting agency can not furnish a account without my written instructions. 15USC 1681c. ( a ) ( 5 ) section starts 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 XXXX  years .15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if person knows or has reasonable cause to believe that information is Inaccurate
Product: Mortgage

I received a notice of servicing transfer dated XX/XX/23 from XXXX XXXX XXXX XXXX LoanCare , LLC that stated my mortgage would be transferred to another servicer effective XX/XX/23. The notice stated that I could contact my current servicer with questions at the following phone number : XXXX. I had a question regarding how my next payment would be handled since my payments are automatically withdrawn by the servicer, so I called the number. I waited on the phone/on hold for more than an hour and no one answered. Having to wait more than an hour to talk to someone about my mortgage is unacceptable and unfair to this servicers customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to repair this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need the following accounts to be updated immediately : 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 XXXX
Product: Checking or savings account

All information is contained in the attached XXXX page document outlining my experience and grievance regarding Fifth Third Bank , National Association. 

The goal of submitting my grievance is to focus a spotlight on the questionable business practices, customer treatment, and employee treatment executed by Fifth Third Bank , National Association.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XX/XX/2013
Product: Credit card or prepaid card

I received the attached letter on XXXX. I did not apply for credit with XXXX and dont even know what this is. I am tired of people trying to apply for cards in my name as this keeps happening. What can we do to stop it. I have a freeze on everything. Please contact this company and tell me who applied, where they applied and what they applied for. And remove the inquiry from my credit report.
Product: Credit card or prepaid card

American Express sent my account to collections after only being last 20 days on a payment. They did NOT call, email, or send me mail even notifying me I was late. And yes they have all of my info. Also, they claim they ca n't tell me why it was sent to collection, stating the third party is handling the account. The collection company they referred me to could n't tell me either. My statements all show current on my payments, and I in fact just paid this account off. Now it will show collections on my credit report when I did nothing wrong, and AMEX did n't even notify me there was problem. I will be filing a law suit pending the outcome of this. 

XXXX
Product: Credit card or prepaid card

Wells Fargo closed my business account without notifying me or providing a reason why. I made payments EVERY single month. When I called the representative had a hard time finding my files. They refused to reopen my account and was very nasty and discriminated against me because of my nationality it was absolutely no reason for them to close my business account
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I have called all three bureaus Trans Union XXXX and XXXX requesting a credit report and they stated that my report would be arriving within the next 15 business days. prior to this call I submitted a letter asking for a free credit report and I did it through mail because I have ITIN number. it is XX/XX/2022 and I have not received anything from the bureaus. XXXX did send me a letter stating wrong spelling on last name and stating that they can not provide me a copy of my credit report until I provided additional information for identity. 

I have provided a copy of my ITIN sheet that was given to me by the IRS. It states my full name address and ITIN number. I have also provided a copy of my insurance card along with the bill statement from XXXX it states my name and my address as this is all I have for documentation. 

I have the right to a free credit report and I have provided the documentation that I have available to prove that the identity is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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. 
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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convections of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-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

On the XX/XX/2023 i sent a wire deposit of {$79000.00} to ABRA Global to be deposited to my ABRA wallet.My deposit was not credited.I reached out to Abra customer support and they said my deposits has been disabled and my account restricted and they were not obliged to provide any further information to me.I asked them what happens now to the funds i had wired and they said i had to recall the funds from my bank.Abra uses a third party banking partner called XXXX XXXX XXXX. I contacted XXXX XXXX XXXX where i sent the wire to and they confirmed the wire was received and deposited to Abra.My bank also said the receiving bank didnt respond.I contacted XXXX XXXX XXXX  again to help and they did.They came back to me with information that ABRA had declined the recall and said the funds were withdrawn. I want answers and my money returned because my bank will not be able to do any recall until the receiver does so. ABRA has since not responded to my emails or helped in dealing with this matter any further.I want my money. Please help. 
My wallet ID is ; XXXX And my Abra contact support ticket number ; XXXX
Product: Debt collection

The debt collector would constantly try to call my phone while I was at work. They would then call my job. I informed them that I could not take personal phone calls at work since I work with the public and are also really short staffed. They got really mad at the fact they couldn't call my job and insisted the only way they would stop calling my work is if I paid the whole debt. I told them I have the right to request they not call my work and they became abusive and said they would no longer work with me and would no longer accept payments.
Product: Checking or savings account

If I do n't have funds in my account they payments are supposed to decline instead they accept them and charge me {$35.00} in overdraft fees, I have also set up an active hours account but they take forever reporting my activities to them so I end up getting another overdraft fee.
Product: Credit reporting or other personal consumer reports

There have been several times that I have tried to apply for a personal loan with Navy Federal, most recently on XX/XX/24. Every time, I am told they are unable to pull our credit reports for my husband and me. We have been banking with them for over XXXX years. We have our checking, savings, credit cards, other loans, certificates, etc with them. They have told me to contact XXXX and resolve any discrepancies. We have no discrepancies on our report. They have told me to contact XXXX and shorten my credit report. XXXX XXXX follows the Fair Credit Reporting Act and will not shorten our bureau. I was recently told on XX/XX/24 that I need to contact XXXX to reset the maximum number of attempts to pull your credit report. Which is absurd. I called and XXXX said they never heard of that. Navy Federal changed from XXXX to XXXX a couple of years ago and ever since then they have had this issue with pulling my bureau. No other company has had any problems. In fact we just did a refinance on my mortgage and they successfully pulled all XXXX credit reports with no issues. This is a system limitation with Navy Federal and has nothing to do with my report or my credit history. They also will not accept a pulled report from me. They tell me they can not move forward with the application without our credit report, but yet this is an issue on their part.
Product: Debt collection

On I received a letter dated XX/XX/2024 from Portfolio Recovery over a month after the letter I wrote to them asking them to : 1 ) verify the debt they claim I owed them of the 3 accounts they reported on my credit report, 2 ) prove that they own this debt, because I have never done business with them, 3 ) disclose the amount they purchased the 3 accounts for, and 4 ) if they can not then please close the collections and remove them from my credit report.

They sent me copies of a one ( 1 ) debt that is not from them, and an amount that is not what they are reporting on my credit report.
Product: Debt collection

On XX/XX/2021 I sent a letter to CREDIT BUREAU SERVICES OF IOWA , INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I called Trans Union on XX/XX/year>. At XXXX. Note this is not the first time. They keep getting accounts confused and subsequently some of her accounts are not mine account. In the past I have to address this with TransUnion letting them to check the social security number and they will see it's not mine. 

Today, XX/XX/year> I called again Trans Union because there is an inquiry by XXXX contact number XXXX. Trans Union stated there is nothing they could do and that I had to call XXXX. I then called XXXX and was transferred around, each department stated they had no accounts, or no accounts attempted to be opened under my social security number, name or date of birth. I requested a letter stating that and they refused stating it was not their mistake but TransUnion. Therefore, they requested I contact TransUnion. I then called Trans Union again. The representative stated I just had to live with it and deal with it for two years. I reported that TransUnion is the only one that does this, and I have to repeatedly be calling in for removals or corrections. The representative stated sorry I can't transfer you to the fraud department and you'll just have to deal with it. I need that inquiry removed from TransUnion for XXXX as I did not request that service or apply for it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXrequested on XX/XX/2022 XXXX ( hard inquiry, adverse information ) in violation of section 5 ( a ) of the FTC ACT,15 USC 45 ( a ) Prohibits unfair or deceptive acts or practices under GLB ACT. OPTOUT /privacy NOTICE IS REQUIRED 160.4 ( a ) ( 2 ) deceptive omission of material fact.in violation of section 501 ( b ) of the GLB ACT,15 USC 6801 ( b ) Safeguard rules : to protect the security, confidentiality, integrity and privacy of the consumer NON PUBLIC PERSONAL INFORMATION from unforeseeable internal and external risk.Ive suffered and will continue to suffer substantial financial injury as a result of XXXX XXXX XXXX violation of the FTC ACT and GLB ACTXXXX XXXXXXXX XXXX has been unjustly enriched as a result of its unlawful acts or practices, it likely to continue to injure reap unjustment and harm the public interest in commerce .Please remove all adverse information.section 5 ( m ) ( 1 ) ( B ) of the FTC ACT 15USC 45 ( m ) ( 1 ) ( B ) fined is XXXXdeceptive acts or practices
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

Pennsylvania Higher Education Assistance Agency Account # : XXXX Account ID : XXXX
Product: Credit card or prepaid card

Re : Barclay Bank XXXX card : I wrote out a " 0 % '' cash advance check in the amount of {$6500.00} to an individual that turned out to be a fraudulent individual. The check was written out and handed to him on Friday, XXXX XXXX at XXXX XXXX I immediately called Barclay Bank to inquire if I could stop the check. I got right thru to a customer service agent in the U.S. He said that they could n't stop it as it had n't yet appeared on my account.but not to worry, that it would take 7 - 10 business days to clear and that I would have plenty of time to stop it the following week. I asked again, are you sure I can stop it? Not a problem, definitely would not clear before 7 - 10 business days. That Monday was a legal Holiday, XXXX XXXX, i could n't call on Tuesday because I was working. On Wednesday, XXXX XXXX - I spent 4 hours! I repeat 4 hours - trying to get thru to the credit card customer service. I even called XXXX XXXX and they connected me finally - completely panicked. I could no longer reach a customer service in the U.S. I was told the check already cleared and that there was nothing they could do to help me. These are the complaint records : XXXX, XXXX XXXX ( Agent ) and Barclay Card XXXX - ( Agent ) XXXX - Case # XXXX. I just googled Barclay Bank to see if I could reach the corporate office. I see the Breaking News that they are in the headlines for fraudulent practises.
Product: Debt collection

Canceled service due to unsatisfactory internet issues. The ISP promised higher internet speeds however due to having a " customer '' owned modem they could not guarantee such speeds. ( XXXX ). Upon contact with phone agent I was informed that mg account would be settled and nothing would be due granted I return the dvr and XXXX other boxes to seperate tvs in. To my suprise I receive a letter from Credit Protection Association advising of a past due balance required to avoid credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

On XX/XX/year> i responded to an ad for an interest free Citibank credit card. As I went through the application process I was informed that my credit limit was a ridiculously low {$3000.00}. I stopped the process at a prompt which said " Click here to complete your application ''. I did not continue.

30 minutes later I received notice from credit bureaus that my credit rating had been impacted by a " hard hit ''. I NEVER completed the application!!

After over a hour on the phone with Citibank, and being bounced around to 5 different people, they refused to help me. They refused to withdraw the application, refused to withdraw the credit inquiry and refused to cancel the card. The told me that I need to wait for the card, which I do not want, and then cancel it. That means a second hard hit on my credit rating when I cancel it. 

This is criminal. I did not complete the application, I do not want this card, and I want my credit report rectified.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : ( ), which is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this account or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}