23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Request for Resolution Regarding Unfair Practices To Whom It May Concern, I am writing to formally address what I believe to be an unfair practice that has significantly impacted me. On XX/XX/year>, I lost my uncle, who was not only a XXXX XXXX hero but also someone very close to me. Due to his declining health and the need for my assistance with his daily affairs, he linked his Navy Federal account to mine. This connection allowed him to transfer funds to me easily when needed. 

My uncle received a XXXX check from the VA. After his passing, the VA reclaimed some of these funds. Unfortunately, his account did not have enough to cover the recovery, and Navy Federal debited my account instead, putting it over {$2000.00} in the negative. Despite explaining the situation, Navy Federal held me liable for the funds. As a result, my personal checking account and my business account were closed. 

I am seeking a resolution because I believe this action was unjust and has caused undue hardship. My uncles actions were motivated by his trust in me to assist him, not to hold me responsible for any posthumous financial matters related to his XXXX benefits. 

I would greatly appreciate the opportunity to discuss this matter further and work toward a fair resolution. Thank you for hearing my claim and for your understanding. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Ive called and written letters to both XXXX and XXXX telling them that my address listed is wrong and has no association with me currently as per Fair credit reporting and that it needs to be changed to my current address. I sent them a copy of my current license and social security card via upload documents as well as bank statements. 

XXXX refused to change my address due to a derogatory account listed on my report by a third party debt collector to whom I have no contractual agreement with where my name is misspelled on the actual bill and I disputed twice with both the company and XXXX credit bureau citing that I have never had any public service bill in my name and that it was clearly fraudulent. Moreover, I did not live at the address during the timeframe of the bill statement
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-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

How many letters and complaints do I have to submit to the Credit Bureaus for them to comply with the FCRA section 605b? Upon Reviewing an updated copy of my Credit reports, I was disappointed to see that the Credit Bureaus have done nothing and cotniued reporting the unverified information on my Credit Report. I previously complaint about the same issues and requested that the Credit Bureuas provide me with copies of documentation which bears my signature to support the Credit Bureaus claims that the Disputed Items belong to me. The Credit Bureaus were given by the FCRA ample amount of time and repsond to my Letters and yet they have to do so. I am submitting this complaint to protect my rights under the Fair Credit Reporting Act section 605b and correct my Credit Report from erroneous and fraudulent information. I need the following items removed from my Credit File immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}
Product: Credit card

I signed up for a Chase XXXX Credit card with an offer I received on a XXXX XXXX flight for the United Explorer mileage plus credit card. The pamphlet said I would receive XXXX XXXX  when using a code in the pamphlet to sign up for this specific credit card, and then spend {$3000.00} within the first 3 months of opening the credit card. I signed up, was approved for this specific card and began using it. I called to make sure the code from XXXX was in there as I had to enter it in a weird place when I applied and wanted to ensure I received my XXXX points. I was told the code was not accepted and that I would only receive XXXX XXXX per the current promotion for that card. I explained about the pamphlet and the promise of XXXX points, not XXXX and they submitted my dispute. I then received a letter saying they would not credit my card with the additional XXXX points owed to me. I have repeatedly called Chase, who denies it is their issue, and they refer me to XXXX, who then says Chase has to do it. It has become an exhausting game of no one taking accountability and me still being owed XXXX XXXX. I have since exceeding the {$3000.00} spend within the first 3 months and they only gave me XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding several attempts I have made to correct the late open account and remove the charge-off from my credit report. I believe that there have been inaccuracies and errors on my credit report that are negatively impacting my credit score and financial well-being.

Below, I am providing you with a summary of the issues I have encountered : I have repeatedly tried to correct the inaccurate late open accounts listed on my credit report. These late open accounts are not reflective of my actual credit history, and I have never been late on any open accounts. Despite my diligent efforts to rectify this issue, it persists, affecting my ability to access credit and other financial opportunities. 
Additionally, I have been working tirelessly to have the charge-off account removed from my credit report. This charge-off account does not accurately represent my financial history, and I believe it is an erroneous entry on my credit report. I have provided the necessary documentation and information to prove that this account should not be considered a charge-off, yet it remains on my report, causing severe harm to my creditworthiness. 

I have made numerous attempts to resolve these issues by contacting the respective creditors, submitting dispute letters, and providing supporting documents, but there has been little to no response or resolution from your end. I understand that accuracy in credit reporting is crucial, and I am committed to maintaining my financial integrity. 

I kindly request your immediate attention and action in investigating these inaccuracies on my credit report. I expect a thorough review of the information I have submitted and prompt correction of these errors. I also request that you provide me with written updates on the progress of this dispute and the results of your investigation. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am prepared to take any necessary legal actions if these discrepancies are not resolved in a timely manner. It is my hope that such actions will not be required, and we can work together to rectify these inaccuracies promptly. I am asking for your assistance to correct or remove the accounts : XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$0.00} I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My bank account was hacked into and i had {$2300.00} dollars worth of purchases made on my card while it was still in the mail on its way to me and my bank refused to refund my money. my bank was Well Fargo.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Wells Fargo is draining me. Every month Ive asked about this : I am NOT opted into any overdraft situation. Therefore, if there are no funds in the account, payments should not be being made. Im experiencing extreme financial hardship at the moment, but it appears theres always some payments that seem to go through even with no money in the account! That means every month Im paying upwards on XXXX XXXX in overdraft charges, but I continually tell them this is not acceptable. Not to mention, some of these charges seem excessive! XXXX dollars overdrafted and you charge me XXXX XXXX plus you continue to allow payments to go through for things I didnt even realize I was paying for because SOMETIMES they do not go through. There has to be a way to fix this! Im in crippling debt and Im just trying to stay above board, fix my business and feed my child.
Product: Credit reporting or other personal consumer reports

I would like to get a full validation of this account the XXXX XXXX including a the original signed contract with my signature if they can not verify this account according to the FCRA laws I would like this account to be remove immediately XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed Exeter Finance LLC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed Exeter Finance LLC as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted XXXX and oXXXX XXXX, I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted Exeter Finance LLC via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, Exeter Finance LLC account is still being furnished on my consumer reports via XXXX, Exeter, and XXXX. I, XXXX XXXX XXXX, never gave Exeter Finance LLC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-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

The gas company, XXXX XXXX terminated my service regardless of my on-time payments. My communication with them lead to disconnecting my gas service. The account was paid in full. They have even issued overpayment refund. They are reporting XXXX late payment on Equifax and my dispute with both XXXX XXXX and Equifax yields that the negative information is reported over and over again.
Product: Credit card or prepaid card

Every time I pay XXXX the payments are not going through until later dates and every time I am charged late payment fee. This fraudulent activities were going on for a three or four months.
Product: Credit reporting 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Balance Owed : {$850.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Balance Owed : {$530.00}, XXXX XXXX  XXXX Balance Owed : {$780.00}, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact XXXX15 U.S. Code 1681 ( XXXX ) XXXX states that any payments during XXXX are required to be deferred or XXXX15 U.S. code 1681 XXXX XXXX ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Checking or savings account

On XX/XX/2019, I opened a savings account with Bank of America. I did so after seeing an advertisement on the BOA website where I view my credit card information. After taking advantage of the bonus offer, meeting all requirements, BOA decided I shouldn't have seen the banner as I wasn't targeted. Their " mistake '', or as I call it, bait and switch, resulted in me losing higher interest and the bonus even though I received confirmation that I enrolled in the offer. It is convenient that they can advertise an offer to everyone and then never follow through. 

Here are the terms I met. attached is a confirmation I received for enrolling. 

( 1 ) Enroll in the offer by XX/XX/2019 requesting enrollment from a Bank of America associate or by clicking the enrollment link in a direct email communication. 

Next, complete the following steps within 30 days of enrolling : ( 2 )  Open or maintain an eligible savings account ( Certificates of Deposit ( CDs ), Individual Retirement Accounts ( IRAs ), and Minor/Student savings accounts are not eligible for this offer ) ; and ( 3 ) Make deposits of new money ( each is a " Qualifying Deposit '' ) totaling at least {$10000.00} directly into the eligible savings account. " New money '' is money not currently or previously held in any account at Bank of America or Merrill. 

Finally, for 90 days following enrollment in the offer ( the " Maintenance Period '' ) : ( 4 ) Maintain the Qualifying Deposit ( s ) in  the eligible savings account. 

If all requirements listed above are satisfied, Qualifying Deposits totaling $ XXXX {$19000.00} will be eligible for a {$150.00} bonus, $ XXXX {$49000.00} will be eligible for a {$200.00} bonus, $ XXXX {$99000.00} will be eligible for a {$300.00} bonus, and {$100000.00} or more will be eligible for a {$500.00} bonus. Your Bank of America eligible savings account must be open and in good standing up to and including the date the bonus is paid in order to receive the bonus. If you meet the requirements for the bonus, we will attempt to deposit the bonus directly into the eligible savings account within sixty ( 60 ) days.
Product: Credit card or prepaid card

In early 2018, I was purchasing shirts at XXXX XXXX. I wanted to use my XXXX 's card, which I've had for many years, to access a discount. The saleslady looked at my XXXX XXXX card and said it was really beat up and old and I should get a new card. She said she could update my card *and* give me a bigger discount. I said sure. She handed the phone to me, someone asked me a couple of questions, and I got the bigger discount. 

Long story short, I only found out when I had a 'past due ' amount, that XXXX 's had actually opened an entire new account in my name. I evidentally had TWO XXXX 's accounts. One I didn't know about and thus hadn't paid. The other completely up to date. 

I complained to the XXXX. XXXX 's said they'd fix it. They did not. 

What they did made my credit rating plunge. I had *literally* perfect credit. After the XXXX  complaint, they shut down my old account, thus making my length of credit history plunge. This, plus their reporting of my account as delinquent, caused another plunge of 50 points on my credit report. 

This is fraud in it's purest form. I didn't ever want a new XXXX 's card. They secretively did this for some reason - do they get some kind of kickback from XXXX XXXX ( the company running the new card? )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the identity data hack of Equifax, per their online checker.
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately