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

I sent a letter last XX/XX/ to remove the listed items that are 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/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$950.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been spending countless hours making phone calls and writing to Transunion credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account NAVY FCU Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FCU was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a copy of the FTC Identity theft report, A notarized affidavit of the identity theft, copy of credit report highlighting fraudulent accounts, copies of the FCRA 605 b laws, Personal letter, application for a fraud alert and all the required identification requested from the CRA. Packaged everything up and sent it Certified mail with signature and return receipt. I will upload all documents sent. The documents describe accounts, addresses, names and amounts with dates etc. The fraudulent accounts were never blocked as per law states and the CRA never replied to me on the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a Robinhood customer for more than two years, for security reasons, I set up all my account for two step verification, however, in the month of XX/XX/XXXX, I lost access to my phone number and my phone, so I can not verify my information to log in, However i was able to log into my account, Prior to me losing access to my account, I had filed some dispute in my account, Robinhood did not update or contact me about my dispute, about a little over two weeks, I reached out to Robinhood asking about the dispute I had filed, the Robinhood specialist that I spoke to, admitted that my case was just there and nobody escalated it as it should have been, during this process, I had verify my account at least 3 times with Robinhood, Robinhood then credited my account temporarily but then locked my account so that I can not access my funds. I called on XX/XX/XXXX and spoke to someone from the security department who was very hostile, threatening to have my funds locked into my account until I provide my personal bank statements and my ID to verify my Identity, despite the fact that I had verify my account multiple times before, I asked the specialist why should I submit my personal bank statements to Robinhood and that am concerned about my privacy issue since that has nothing to do with my Robinhood account, She then became very hostile and hang up the phone while I was still trying to get answers. At this point I believe Robinhood is treating me different and that could be racially motivated, I do have further events to back this feeling up. I am exhausting all remedies available to me before filing a lawsuit. Robinhood has been very uncooperative.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a XXXX XXXX breach. After reviewing my credit reports, I am not familiar with them. I have asked the CRAs for debt validation ; however, the information has not been provided. Due to my information being exposed, I have submitted an FTC report complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, and a copy of the XXXX report showing my information has been exposed in a national database and a validation of debt letter.
Product: Debt collection

PLEAS HELP ME, EVERYTIME I AM SEEING THIS ACCOUNT IN MY REPORT, THESE REALLY ARE GIVING ME SO MUCH STRESS XXXX HOW AND WHY THESE ARE REFLECTING IN MY CREDIT REPORT.
Product: Mortgage

On XX/XX/XXXX, I submitted to USAA an additional principal payment be made on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, they incorrectly applied a part of these funds to interest instead of the full amount to my mortgage 's principal, which has also happened several times during XXXX. I filed a XXXX  complaint then and was told that the issue had been resolved, but it apparently has not. When talking with the representative, he stated that neither XXXX nor USAA had the ability to escalate this issue nor open a ticket to keep me informed of fixing their system to correct this in the future. As USAA continues to steal money ( via charging me extra interest ) from me ( and likely thousands of others as well ), I would like to be paid for my time of having to monitor my payment activity monthly as USAA is incapable of doing their jobs correctly as well as for my time having to call in and have the charges reversed.
Product: Checking or savings account

Ive deposited a {$10000.00} check on XX/XX/XXXX  into my checking account with PNC bank. I originally received a two day hold that was extended to another five day hold. When those days passed still nothing showed in my account. Ive spoken with PNC bank customer service numerous times, and I've also spoken with PNC loss avoidance department. Ive even had the maker of the check call PNC bank to verify the check was valid. For the past few weeks Ive been told the hold will release in the next business day or it will release in five business days from when the hold was placed. My funds have been on hold for longer than two months now. This is absurd, unprofessional, and very unacceptable. I just keep getting the run around instead of just releasing my funds.
Product: Credit reporting or other personal consumer reports

Account is over 7 years old charged off in XXXX Im requesting to have it removed from my credit report the account is scheduled to continue on record until XX/XX/XXXX which has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( equifax ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX  Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal.

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..
Product: Checking or savings account

I closed with checking account ending in XXXX with Wells Fargo on XX/XX/2022. 

I have not received a check for the funds remaining in the account. I attempted to contact Wells Fargo twice. My first attempt I was on hold for over 2 hours without being able to reach anyone. My second attempt today connected me to a representative who hung up on me after I told him about my issue.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

i have provided a police report and hospital documents that have proven I was in the hospital and that my credit was stolen, someone has my drivers lisc and social security number and using it inquiring credit and lots of stuff on my credit is not mine. I have no choice but to file a law suit against all XXXX credit companies. I need your help there hurting mt credit bad.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS INCORRECTLY BEING REPORTED AS A CHARGED OFF ACCOUNT WITH BALANCE DUE. PLEASE PROVIDE PROOF OF CHARGE OFFAND UPDATE THE BALANCE TO {$0.00} OR DELETE THE NEGATIVE PAYMENT STATUS ON THE ACCOUNT
Product: Debt collection

On several occasions, starting on XX/XX/year>, I have written to XXXX XXXX XXXX requesting verification of an alleged debt. I have written them numerous times and they have failed to respond. 


XXXX XXXX XXXX Acct # XXXX Alleged Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid Wells Fargo the full amount of my delinquent credit card debt in the amount of {$440.00}. XXXX  refuses to update my account status. I have disputed this information and they continue to erroneously report false information.
Product: Credit card

On XX/XX/XXXX I applied for a Bank of America Small Business credit card and was denied. Regardless of the reason for denial, I have the right to credit. Withholding access to my securities is securities fraud. These are violations of the FCRA and the XXXX. Also in violation of 15 usc 1691c adverse action against a consumer is against the law and civilly liable according to 15 usc 1692 ( k ) On XX/XX/XXXX certified mail was sent to them notifying them of their violation. XXXX XXXX has been the contact multiple times but refuses to return messages or remedy the violations of Bank of America. 
Civil proceeding will follow if extended past the 15 days regulated by the consumer finance protection bureau.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX XXXX FIN - XXXX
Product: Credit card or prepaid card

On Friday, XX/XX/2023, I was being declined using my credit card, and I called Synchrony Bank, and they informed me that the account was closed. The representative told me the account was closed because I was deemed high-risk and would receive a letter in the mail. Synchrony Bank went and closed all the cards I had with them. I made many purchases on my XXXX credit card because I am opening an online business and needed merchandise, so I used that card the most. I used that card the most because they would round up my purchase and put the remaining amount towards XXXX. I was using my XXXX card for groceries because I was receiving more points on that card. I used an XXXX credit card when I purchased it on XXXX, and I made a lot with that card. I had some credit cards that had small or no balances. I paid for them and made sure they were up to date. I do not understand how they can do this without me being behind or not paying my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First of the amount is wrong second this was supposed to be covered by Medicaid, third this was from XXXX and they keep reporting it as a new debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and XXXX ) and the account is paid in full.
Product: Credit card or prepaid card

Applied for the XXXX XXXX  Visa card with XXXX LifeMiles bonus through an invitation sent to me. I have never dealt with such a horrible bank and a very convoluted application process. I had to send in pay stubs, utility bills, social security card, and passport/ID, and was finally approved for {$5000.00} after almost 3 weeks. When I received the card, I activated it and went to make my first purchase on it and was instantly denied. 

I called in and was told my account was blocked. I asked why, and they said they wanted another utility bill and ID. I sent in my XXXX Bill and my Passport. A few days later, my account was SHUT DOWN!!! I was notified that my XXXX utility bill was questionable. I sent in another utility bill and my XXXX Bill, and also attached my Passport. 

I called in again and was told my account was permanently shut down. This is beyond ridiculous. Avoid Banco Popular or XXXX XXXX XXXX at all cost.
Product: Debt collection

To Agent or Assigns of Jefferson Capital Systems XXXX : I am in receipt of a computer-generated letter from your company, with unsigned, unverified, unvalidated statements alleging some kind of debt. Who are you? Do I have a contract with you? If yes, please send a certified copy of the contract that exists between XXXX XXXX and Jefferson Capital Systems XXXX. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes and I do not owe the debt for the account in the above Regarding. However, your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g.

Please send me a certified copy of your license to collect a debt in Georgia. If you purchased this as a debt collections device to make money as a debt collector, thank you for paying off the bill. You have XXXX  days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in XXXX business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for {>= $1,000,000} in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, XXXX XXXX XXXX, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violations. 

Here are the terms of this self-executing Contract : Respondent must respond in an Affidavit with the requested supporting documentation and mail to the notary public known as XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the absence of a true bill, kindly tender payment of {$1000.00} payable to : XXXX XXXX for XXXX ( one ) unsigned, unverified, unvalidated statement punishable by Federal Law pursuant to Title 18 USC 1341, 1702, 1703 and 1708.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent credit report for capital one which I never inquired for and also I have never even given them my information at all before! They have showed up as a hard inquiry on my account since XX/XX/2022. Also, XXXX XXXX has a lawsuit for fraudulent activity that has now made its way to my collections!
Product: Vehicle loan or lease

To whom it may concern As a federally protected Consumer, I was uninformed on XX/XX/22 when I entered this consumer credit transaction with USAA. I WAS NEVER given any notice that I had a RIGHT TO RESCIND my contract which under the Consumer Credit Protection Act 15 USC 1635A which is a violation of MY CONSUMER RIGHTS. I also have attached my contract below that has a plethora of violations in it which makes it NULL AND VOID.

In my contract on the first page where you see 3 different charged amounts, my ANNUAL PERCENTAGE RATE and my FINANCE CHARGE are NUMERICALLY different which is a violation of FCPA 15 USC 1606A where it states that nominal annual percentage rate which will yield a sum equal to the amount of the finance charge when it is applied to the unpaid balances of the amount financed. This company is big enough to have lawyers who now the laws which means they willfully and knowingly violated me which is a violation of FCPA 15 USC 1611. Also, on the first page they have the different amounts that I owe which is very misleading and made it hard to comprehend what I actually owe. Also, when I went back and did the number seen on my contract my annual percentage wouldve cost me XXXX dollars but that doesnt add up with the XXXX XXXX that is presented to me in the last box with all the numbers added up that were shown on the contract the total price wouldve came out to XXXX. THATS XXXX XXXX DOLLARS over what was said to be the total amount I would have paid which violates FCPA 15 USC 1692E one again. Because those numbers are both false and misleading. On the FOURTH page of the contract under PRIVACY and NOTICE OF INFORMATION FURNASHING, I wasnt CLEARLY AND CONSPICOUSLY shown that I was giving USAA permission to use my CREDIT CARD ( SSN ) for their own personally ( TWICE ) use which means they used it without IMPLIED or APPARENT authority nor did them using my CREDIT CARD ( SSN ) benefit me at all. 
Which is a violation of FCPA 15 USC 1602K and 15 USC 1602P. on the SIXTH page of the contract under INSURANCE they did not CLEARLY and CONSPICUOISLY present to me where they violated my rights under the FCPA 1605C where it STATES Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended. I AM THE ORIGINAL CREDITOR, and my credit was extended to USAA which means this is a violation. It is also a violation of FCPA 15 USC 1602K and 15 USC 1692E Because not only was it FALSE AND MISLEADING but it was written in small print which means it wasnt presented CLEARLY AND CONSPICUOIOSLY.
Product: Mortgage

My mortgage was sold from XXXX to flagstar bank taking affect on XX/XX/XXXX, I mailed my XXXX payment to the address provided for {$1800.00}, {$200.00} of which is supposed to be applied to additional principal. That check was cashed on XX/XX/XXXX and still hasnt been applied to my loan. I called flagstar on XXXX XXXX, and XXXX. Ive been given a case number on the first call, asked to email a screenshot of front and back of check on the second call, and was told it would be taken care of in 5-10 days of first call. On the third call XX/XX/XXXX was told its still open. Havent had flagstar reach out to me at all.
Product: Checking or savings account

Re : Wells Fargo Claim # XXXX Wells Fargo ( WF ) refuses to review video of problem to assist the return of my funds. 
Problem : I used an ATM at WF / XXXX Branch on XX/XX/18 about XXXX PST to withdraw {$200.00}. 
After keying in my information to withdraw my funds, I was diverted away from my transaction by the image pop up congratulating me of my 40 something anniversary. 
I proceeded with using my hand held device to take an image of the screen of the ATM displaying my anniversary. Then pulled away and drove 3/4 around the branch and realized I did not have my {$200.00}. I did not see or notice any other cars at ATM. Pulled around to ATM, no money at ATM. I did not receive my money I went inside and filed a claim. After a letter and two calls to WF, they refuse to provide funds and refuse to examine video to investigate what happen. 

Please Note : WF time stamped transaction ATMID : XXXX information provided at second request states ; " XXXX_ATM_Will_Take_Your _Cash Back ''. 

I speaking with WF representatives, I believe " XXXX '' in Arizona at XXXX XXXX was very short and very rude.