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

XXXX XXXX, and XX/XX/XXXX. I disputed errors within my credit report showing alleged debt. Ive sent letters showing open accounts on collections, past due balances on collection, debt validation/ verification letters of alleged debt with break down of each item. I only received a computer generated response that it was verified and updated but no proof of my wet signature, verification of debt, name and number of person spoke with to prove alleged debt. 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 15 USC 1681,15 USC 1681 a ( 3 ), 15 USC 1692g Verification of debt, 15 USC 1692 b-c Communication in connection to debt collection, and 15 USC 1692j XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is the number case for my previous claim. XXXX opened a bank account with US Bank in XXXX. 
they closed my accounts but could only cash the cheque for the checking accounts ( XXXX ). Bank sent cheque for savings account ( XXXX ) to address on file ( XXXX XXXX XXXX, XXXX, this is my friends address ) but cheque was lost by my friend. On XX/XX/XXXX on my way to XXXX i did a stopover in XXXX. I visite XXXX XXXX XXXX in XXXX XXXX, I spoke with XXXX XXXX, the manager. i sign the los cheque form. never heard back from her. Never! i contacted her repeatedly but never answered me. I put a claim in CFPB and then i received an answer from USBNAK. 
apparently, the cheque could not be reissue as the lost cheque from was no signed by a notary. 
On XX/XX/XXXX, i visited the branch again, spoke with XXXX, she remembered me. I handed her the lost cheque form signed by a notary from XXXX XXXX, around the corner, please find receipt attached to this claim, and till today no news. 
Since I arrived back in XXXX, where i have been living for the past year and half I have tried to contact in several occasions the Customer Assurance DDA Fraud and Risk Prevention, Office of the president, as that is the Department that signed the letter with the response I got from my previous CFPB claim. Apparently there is no customer care telephone number or email. 
I called the bank again and XXXX XXXX, the girl I spoke with said I have to wait 3 days for the form to be sent, received and a new cheque be written to hand it to me. 
I have never been told this. If that would have been the case, instead of staying 2 days in XXXX  in XX/XX/XXXX I would have stayed 4 days! 
XXXX, the person who signed the letter i received requesting me to send the lost cheque form signed by a notary, never said that i have to stay in the US for 3 days for cashing this cheque! 
I live in XXXX! i was just doing a stop over! 
this has been going for more than 3 years! I need to get an answer from USBANK!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure timely payments. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, Equifax reports a 30-day late payment for XX/XX/year> on my XXXX XXXX account. My payment records confirm a consistent history of on-time payments due to my autopay enrollment, and I have not missed any payment obligations. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments. 
Payment History : This account history reflects a consistent record of timely payments. However, XXXX report erroneously lists 30-day late entries for XX/XX/year> and XX/XX/year>. Additional 30-day late entries are also incorrectly reported for XX/XX/year> with both XXXX and XXXX. My autopay setup ensures on-time payments for all accounts, and my records substantiate a perfect history of timely payments. 
Attachments : A copy of my government-issued ID Social Security verification My latest account statement from XXXX XXXX showing payment status I expect to receive written confirmation of the removal of this erroneous late payment entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

National Credit Systems has reported 2 collections to the credit agency for an apartment property that I have never heard or nor had an account with ( XXXX XXXX XXXX ). 

One amount is {$990.00} and the other is {$450.00}. This debit collection agency has never mailed or contacted me because, they do not have my contact information as I have never lived in any apartment community called XXXX XXXX XXXX. Additional, they have no documentation from XXXX XXXX XXXX with my signature. 

This is in direct violation on my civil rights to have a accurate credit report, this collection is illegal and by law needs to be removed immediately.
Product: Checking or savings account

I tried to cash my payroll check via the Huntington Mobile app on XX/XX/23 and I checked the verbiage on the app to be sure there were no temporary holds on funds. Nothing was stated, so I made the digital deposit. After my check was submitted I was informed that it would be held for almost an entire week ( until XX/XX/23 ). I reached out to both my local branch, and the customer service line and both informed me that there was nothing they would do to make my funds available. 

I depend on my paycheck for food for our family and fuel to get to work and now have to go without meals for a week and need help for transportation to my job. This degrading situation could have been avoided if they would have stated that payroll checks were subject to long holds and would not be available. 

To add insult to injury, after I finished up with customer support telling me they refused to remedy the problem, I received a promotional email from Huntington telling me to make a mobile deposit to have funds in my checking account.
Product: Debt collection

Portfolio Recovery Associates , LLC has been harassing me for a debit that does n't belong to me for about 2 years. The debit belongs to my father and we have the same name. I made it clear to them that I am the wrong person they have been calling. XXXX time I asked for the last XXXX numbers of the social to verify that it was n't me. The person was very rude and refused and was persistent in trying to make me pay the bill. The next time they called I asked them to verify the last XXXX numbers of the social which belong to my father. I made it clear I am not the person they are looking for and to stop calling me or sending me letters under the fair credit reporting act. They keep sending me statements requesting payment. I submitted a letter to them exercising my rights under the fair credit reporting act to stop contacting me. Ever since I submitted the letter they have submitted XXXX statements still requesting payment.
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 has violated my rights. 

15 U.S.C. 1681 section 602 A, state i have the right to privacy.

15 U.S.C. 1681 section 602 A, section 2, it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit card or prepaid card

I have contacted XXXX XXXX XXXX protection on more than 3 occasions to see if I'm enrolled in credit protection. The first time they only had one person working in the department XXXX she said the system is down. the 3nd time no onr answered.. and today someone answered and didn't say nothing. this is unacceptable and needs to ne resolved ASAP.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I demand that this company be reported for engaging in fraudulent activities and misusing my information, and I insist on the immediate deletion of any references connecting me to this account. Please remove all old addresses and personal information
Product: Credit card

I've called Capital One about 8 times already, I have been transferred, hung up on and NO body resolves the unauthorized charges. XXXX keeps charging my credit card for unauthorized charges. I last used XXXX in XX/XX/XXXX on vacation because we didn't have any other option. I spoke to a supervisor at Capital One named XXXX in Virginia on XX/XX/XXXX employee number XXXX, he said XXXX was charging the virtual card and he deleted and blocked the merchant. Today XX/XX/XXXX ALL 22 unauthorized transactions totaling {$280.00} were charged back to my account. How do I get credit for unauthorized charges? I've attached both statements of the adjustment and the charges that were put back on my account.
Product: Checking or savings account

Several accounts, Checking, Savings have been opened under my government name without my consent. 

I've been informed that there are accounts with that have been opened under my government name with, XXXX XXXX XXXX, XXXX, XXXX, XXXX and others as well. 

I've been informed there are many Checking and Savings accounts with USAA my primary banking institution open under my government name. 

I would like if you can investigate into the matter. The accounts that have large sums of money in them are most likely not mine. My name XXXX XXXX XXXX and XXXX XXXX XXXX XXXX only names I have been banking with USAA for 15 years and just recently it has come to my attention of this bank fraud being commited with my identity.
Product: Payday loan, title loan, or personal loan

Receive a loan from Rise Credit online. Ran into further financial troubles and the bank account the payments were drafted from was closed by the bank. I have opened another account at a different bank and Rise has somehow found that information and continued to make unauthorized automatic withdrawals from this new back account causing overdrafts and new financial issues. I HAVE NOT provided Rise with this bank account information nor authorized them to perform automatic funds transfers from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of my annual credit report, I have noticed that I have a few judgments placed in my file which is causing my credit to be less than mediocre. Both of these alleged debts have been dismissed and discharged from my pay which has caused tremendous financial hardship. Please have these debts removed off my credit for they have been harming my credit and it has prevented me from acquiring new credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX : {$24000.00}
Product: Vehicle loan or lease

I called CFPB today to make sure we could file a new Complaint based on new and compelling information I received today, XX/XX/2020, and the CFPB Representative assured me we could and that this information was not previously considered or known. 

On XX/XX/2020, I researched and found that Lincoln Automotive Financial Services ( Lincoln Financial ) has violated at least one ( 1 ) Code of Federal Regulations ( CFR ). 

The specific CFR is, 34 CFR 682.205 ( a ) ( 1 ) and ( 2 ), Disclosure Requirements for Lenders.

Paragraph ( a ) Repayment information - ( 1 ) Disclosures at or prior to repayment, 2nd sentence reads, " the disclosures required by this paragraph must be made not less than 30 days nor more than 150 days before the first payment is due from the borrower. '' ( 2 ) The lender shall provide the borrower with - ( i ) The lender 's name, a toll-free telephone number accessible from within the United States that the borrower can use to obtain additional loan information, and the address to which correspondence with the lender and payments should be sent ; '' My wife and I have never been provided the required information as described under 34 CFR 682.205 and to date do not even have not been provided an Account Number from Lincoln Financial, and our first payment is due per the Retail Sales Agreement ( Attached ) of XX/XX/2020, which is less than 24 days from today. 

We have attempted to obtain this information by numerous emails thru the Lincoln.com website that this information has not been provided, and the last email and attempt was made on XX/XX/2020 ( Attached ) to provide factual evidence and proof. 

Lincoln has violated our rights as borrowers and Consumers and if they have done this to us, we believe they have done this to numerous unsuspecting Consumers now and/or in the past.
Product: Checking or savings account

I have a joint savings account with Wells Fargo and attempted to pay my Property Taxes with it on XX/XX/year>. 

I had no statements from this account or notices, other than a balance sheet, and knew the balance was about $ XXXX and would cover the $ XXXX payment. 

I received a letter from the XXXX XXXX Office of the Treasurer and Tax Collector dated XX/XX/year> saying the payment was returned and the account was closed. The penalty for this was {$740.00}.

I called Wells Fargo, they told me to go in branch, I spent two hours waiting to speak with someone in branch and was finally told to speak to someone on customer service.

I've since spoken to five people with different information and no one willing to send me documentation about the account, and claiming statements are unavailable.

One representative told me the account was sent to the state b/c of no activity for five years, which isn't possible as I have records of deposits.

The next representative said she saw nothing of that nature and the account was in good standing.

I asked for statements or written communications from every person I spoke to. 

The XXXXXXXX XXXX  Office of the Treasurer will not consider an appeal without documentation from Wells Fargo. 

I am attaching the Notice from the Office of the Treasurer, the interest payments from WF in XXXX, showing my account was open and earning interest, the letter I got from Wells Fargo ( showing they had my address and could send me communications regarding my account, this letter also shows that they had not blocked my account on XX/XX/XXXX as they indicated to the County/Office of the Treasurer and instead their mistake has cost me a penalty fee ).
Product: Vehicle loan or lease

On XXXX XXXX my credit report was pulled to see where I stand financially for purchasing a home. My report showed a loan taken out under my social security number for {$100000.00} with FMC-Omaha Service that I did not authorize. I believe this is a case of identity fraud. The loan was authorized XX/XX/2023. I need to dispute this loan immediately.
Product: Student loan

On XX/XX/2023, I applied for a federal consolidation loan that i now realize I would like to cancel. I have been trying to get ahold of my servicer, EdFinancial, for over two weeks and have heard nothing back. Their wait times for calls are over 600 minutes, and while they offer the promise to save my spot in line and call me back, I never receive a call. The chat option on their website always crashes for me as well. Theyve switched to a new system and tell me every day that I need to create a new account, even though Ive already switched over to their new system. I would like to cancel my consolidation loan. 

I would also like to view the status of my SAVE plan application, which was submitted on XX/XX/2023. The student aid website says that my application has been processed, but EdFinancial has not sent me a single email about my application or approval status. 

I need to know both of these things before my first payment is due in XXXX, but there is zero way for me to get ahold of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 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, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2.00}. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VOLATION!! 
Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!