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

Someone opened a account in my name at a local bank I received a letter in the mail from the bank that's how I was aware of the fraud I called the bank to let them know it wasn't me that opened the account they closed the account and sent me a letter about what happened and what will take place in the future. I have inquires on my credit report as well as a Bankruptcy that all three bureaus fail to delete I have filed several complaints with all three, called spoke with them all, and nothing has been deleted. I have fraud protection on my account NOW but the things that are on there where never deleted. I have sent several letters called several times and filed several complaints and I am getting no where. I have filed a complaint with the FTC ( Federal Trade Commission ) report number XXXX Please follow up with XXXX, Equifax, XXXX as I need a accurate credit report. Inquiries Deleted and Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX/XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX Balance ; : {$760.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$8600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Credit card

I mailed a check for {$330.00} to XXXX XXXXXXXX. XXXX. The check # was XXXX for {$330.00}. It was due XX/XX/2023. I sent it XXXX XXXX never cleared my bank. I called customer service at XXXX. They say we have no record of it? Then I told them to take it out electronically. Then I received a bill with a XXXX late fee and a XXXX interest fee total of {$440.00} XXXX XXXX acct # is XXXX. Today XX/XX/2023 I find out I have XXXX payments of {$330.00} taken from my bank acct. I think they held my check to garner late fee and interest. I have always been a good customer but these people are full of it.
Product: Credit reporting or other personal consumer reports

I have not made or have I done business with the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not signed or received anything in return I am a victim of identity fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with XXXX online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with XXXX. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with Experian. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.
Product: Debt collection

Collections : CBF/XXXX Creditors Address:XXXX XXXX XXXX XXXX , NM XXXX   Account Type : Collection Agency/Attorney Creditor Type ; Rental/Leasing Placed in collections:2013-XXXX Amount Owed : {$2500.00} Account Rating : Collection account This Debt was result of identity theft!!

Please help me, I can't solve the problem, I am troubled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal notice and complaint for the harm caused by XXXX, XXXX and TransUnion on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies. 

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!! 

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting wrong address I have never lived at and when I try to dispute, they want to allow me to. they want to tell you who the information came from. But the information on the address is completely wrong. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of 2022 without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX XXXX, XXXX, almost XXXX  and attempted XXXX  multiple times, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. 

I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter.
Product: Credit card or prepaid card

I reported XXXX fraudulent charges on my CapitalOne card, all by the same fictitious vendor. CapitalOne reimbursed me for XXXX of these charges, but then inexplicably claimed that XXXX of them were not fraudulent. All the charges were made by the same scam company. 

The fraudulent vendor appears on my statement as " XXXX '' ( XXXX  " XXXX '' ) but this is distinct from the legitimate company that appears on my bill as " XXXX ''. I did not dispute any charges from " XXXX '' and indeed continue to pay this monthly charge, but I did dispute all charges by the XXXX  company since these were scam charges. Unlike the legitimate XXXX charges, the XXXX  charges are a different dollar amount every charge. Also unlike the legitimate XXXX charges, they often appear more than every month and on different days of the month. 

After the reimbursements were denied for XXXX of these fraudulent charges, I called CapitalOne and they claimed that the reason for the denial is that the fraudulent charges were more than 6 month old. They agreed that they were fraudulent and that all of the other charges by the same vendor were fraudulent, but anything older than 6 months was my responsibility.
Product: Bank account or service

On XXXX XXXX, 2016 I went to bank of america and attempted to conduct multiple transactions. First I needed to cash my payroll check ( {$1200.00} ), I then needed to deposit {$1000.00}. I informed the teller what I needed done and was informed that she would not be able to do so. She informed me that she would not be able to cash my check and deposit the balance, but that she would be able to deposit the check and give me {$200.00} withdrawal, and that the rest would be available to me today. I asked if it would be the same as depositing my check at the ATM, and she advised me it would not because I would not be given the same available balance. So I said that would be fine. She proceeded to ask me to initial my deposit slip where she crossed out my initial deposit amount of {$1000.00}. She asked how my day was and I told her it was going good and that it was actually moving along pretty fast so it was great for a Friday. She was professional and courteous. She asked if there was anything else I needed today before she handed me the {$200.00} completed the transaction, and I said no. She handed me the {$200.00} along with my receipt and I left. I came back to the office and in reviewing my bank receipt I noticed my available balance was {$0.00} not what the teller had informed me 15 minutes prior. I called the branch to see if my transaction could be reversed. I asked the bank associate who answered the phone if I would be able to get the transaction reversed and she advised me that she would n't be able to as all of the work had just been turned in. I voiced my displeasure by telling her that this was not the first time the bank had given me wrong information and that it was very inconvenient. The associate asked me what had happened and as I began to tell her, she interrupted me, I allowed her to finish asking me the exact same question she had just asked, and I asked her if she would allow me to answer her question or if she was asking me just to ask me. She replied by telling me that she did n't need me to be rude. I informed her that she should allow a customer to answer a question as opposed to not allowing them to by speaking over them, I then asked her name she stated her is XXXX XXXX and identified herself as the assistant manager. She than asked me to let her know what happened. I informed her of the issue and she agreed that the information I was provided was incorrect and that there was nothing she could do. I again voiced my displeasure by telling her I was tired of this bank not owning up and correcting their mistakes, she said ok, and we ended the call. Now I am unable to process payments due today and will be charged for late fees.
Product: Credit card

I had to pay out of pocket for a benefit that was supposed to be included in my credit card. I call the customer service and they said there were changes. However, I never received any notification about changes to these perks, as you can see from the attached Letters and notice for XXXX. A bank agent mentioned that this change was communicated through an account statement, but this is misleading since account statements are meant for financial details and payment deadlines, not to hide changes to card benefits in fine print. I am requesting a refund in credit card or compensation for the same amount.
Product: Bank account or service

I 'm writing a complaint in regards to First Tennessee Bank ( FTB ) not being able to assist me with the annuities I purchased from FTB. Since, I had not been receiving all of my statements in the mail, I went to FTB to advise them that I had not received my statements. I have only received one statement from XXXX and was requesting my other statements as well. I was told to contact XXXX XXXX, a Financial Specialist with FTB who could see whom my investments were with. XXXX called XXXX and stated that I only had XXXX annuity with XXXX and not XXXX. She stated one was with XXXX and the other was with XXXX. Also, she told me before XXXX I was originally with XXXX, then it changed hands with XXXX, and last with XXXX. Additionally, she said that XXXX dropped my XXXX annuity. I told XXXX, FTBs records show XXXX annuities and it has been reflecting that for over twenty years. 

Displeased with XXXX, I contacted XXXX at First Tennessee Bank ( FTB ) and was given the brokerage phone number with FTB. I contacted the Brokerage department with FTB and spoke to XXXX XXXX. He indicated that I had XXXX annuities ( XXXX with XXXX and XXXX with XXXX ). There are XXXX IRA 's with XXXX and the account numbers. An example of these account numbers with XXXX are the following XXXX and XXXX, and third account with XXXX and account number is XXXX. I called XXXX, the Financial Specialist back to inform her what the brokerage side said. She repeated, XXXX only has XXXX annuity and had dropped the other XXXX. She told me to call XXXX. I told her I took out these IRA 's with First Tennessee Bank not XXXX. She said it has not been dropped on the bank side yet and I had to prove I have XXXX IRA 's with XXXX although the bank records show that I have XXXX. I told her again these accounts were over twenty years old and I can not find the papers. I have received only XXXX statement from XXXX. It has been several weeks and I have not received statements from the companies that First Tennessee Bank invested my money with. 

I only have proof of my annuities from the print out obtained from First Tennessee Bank. I have attached these documents for your reference. Also, these annuities have been reflecting on FTB records for over twenty years. That should be proof enough. Let me know if you require any clarification. Thanks for your help.
Product: Debt collection

In XXXX of XXXX, I discovered that I was a victim of identity theft. After reviewing my XXXX account online, I noticed that there was an additional phone line added to my account that I had no knowledge of since XX/XX/XXXXXXXX  and an XXXX  that was purchased on my account from a different state. I was in communication with XXXX and advised them of the fraudulently activity being done. I was able to verify that my phone and email was hacked with spyware, which is how someone accessed my accounts. I've reported this issue with XXXX multiple times and several agents has even verified the fraudulent activity. Especially when someone was calling XXXX to add the unauthorized phone line back on my account once I had it removed, while i was on the call with a XXXX agent. After consistently trying to get my billing adjusted due to fraudulent activity being verified, XXXX has not accommodated my with any adjustments and billed my account for unauthorized charges and for a phone that was ordered at a XXXX  store outside of my state.. After not having the issue resolved, I switched phone carriers due to the lack of support from XXXX. Since I left XXXX, I have been billed for {$1400.00}, that has been sent to collections and reported adversely on my consumer report. I now have been receiving letters from an Attorney attempting to collect on the debt. I have been trying to reach out to get this matter resolved multiple times since XX/XX/XXXX. I have submitted my incident report from the police and an identity theft affidavit from the Federal Trade Commission multiple times at my local XXXX store. I'm repeatedly told the same thing each time, 'We will submit a ticket for investigation '. I have yet to get my money credited back from the unauthorized charges that I have been charged since XX/XX/XXXX and the debt from an XXXX that I never purchased or authorized on my account to be cleared and removed from my credit file.
Product: Mortgage

Effective XX/XX/2024 our mortgage was transferred from Mr. Cooper, powered by XXXX to Mr. Cooper ( XXXX  ). On XX/XX/2024 we received an alert from the credit bureau stating that our XXXX XXXX had dropped XXXX points. When we looked at the credit report, the credit report did not reflect any open mortgage accounts. 

We filed a complaint on XX/XX/2024 and a XXXX  request on XX/XX/2024 after reviewing our credit report again where the mortgage still does not appear. We have already made a payment and will be making a XXXX  payment, yet nothing is reflected on our credit report. This particular mortgage has been transferred before without incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against due to inadequate customer service And unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair. My account got closed with no explanation.
Product: Credit reporting or other personal consumer reports

Subject : Request to Opt-Out of Sharing Nonpublic Personal Information ( NPI ) with Third Parties Dear Equifax and XXXX XXXXXXXX XXXX  XXXX, I am writing to formally request that my Nonpublic Personal Information ( NPI ) not be shared with any third parties, except where legally required. This request is made pursuant to my rights under applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

To clarify, I am opting out of the sharing of my NPI with the following third parties, except as required by law : Debt Collectors Companies hired by your organization to collect on accounts.

Credit Reporting Agencies ( CRAs ) Entities such as Equifax, XXXX, and XXXX that receive account information. 
Service Providers Vendors or contractors providing payment processing, mailing, IT support, or similar services. 
Affiliated Companies Any companies within your corporate structure or affiliates defined under the GLBA. 
XXXX XXXX  Agencies used for promotional purposes or upselling related products or services. 
Investors or Purchasers of Securitized Debts Entities that may acquire my account through securitization.

Attorneys or Legal Representatives Individuals or firms engaged in debt collection-related legal matters.

Government Agencies Entities receiving my information for audits, compliance, or other purposes not mandated by law. 
Additionally, I have not received initial or annual XXXX privacy notices as required under GLBA guidelines. I request that you immediately provide these notices to me to ensure transparency regarding your policies and practices for sharing XXXX. 

Please confirm in writing that you have processed my opt-out request and ensure that my NPI is not shared with third parties moving forward. Should I discover that my information has been improperly shared, I reserve the right to take further action to protect my privacy. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of my request within 30 days. 

Sincerely,
Product: Mortgage

In XX/XX/XXXX we had family matters which caused me to contact Wells Fargo about my home mortgage. They worked with me to do a loan modification which allowed us to handle our financial obligations. We missed the XX/XX/XXXX and XX/XX/XXXX payments as per the loan modification which was put in place. In XX/XX/XXXX, we started paying a higher payment which ended with the XX/XX/XXXX payment. Everything was done according to the modification. It was me that reached out to them not the other way around. I was pro-active. After the completion of the modification the loan was resumed with a normal payment and continues to date. At this point I realized that my credit was trashed because they reported me late for the entire 12 months. I have spoke with several people in their mortgage department and they informed me that I was told. I was not. They say they have recordings but they are proprietary and can not release them to me. They have also refused to remove the late reports directly and through a complaint to XX/XX/XXXX. Their reporting causes me to be unable to refinance the home with appropriate interest rates since my credit is low based on excessive late payments. This to me is a predatory practice and requires reporting and resolution.