23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management bought my XXXX credit card debt that is 10 years old, and they will not stop calling me from different numbers to collect. The amount of calls I get each day are absurd, I use my cellphone for personal as well as my business so this is taking away from calls to/from my clients. The California Statue of Limitations states that lenders can not attempt to collect debts that are more than four years past due, this debt also should be removed from my credit report after 7 years. As this debt is over 10 years old, I do not believe I should still be getting harassed over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CFPB For the past 10 months I've been trying to dispute unverified items on my credit report. I have not got any results of verification that account belongs to me by documents such as a my signature and my social security number on it. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract Any and all accounts you Accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$560.00} XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I discovered that there was a fraudulent account on my personal credit report and I contacted the below credit bureaus to correct it with zero response. 
I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, Experian and XXXX XXXX via certified mail with tracking numbers which cost me approximately {$73.00} to do this. Experian Certified Tracking Number : XXXX, XXXX XXXX Certified Tracking Number XXXX. On XX/XX/2020 I received confirmation that each bureau had received the certified letters and I know the FCRA allows 30 days from when it was received to process and/or delete the fraudulent items. 

I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. 

The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. It is now 33 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$100.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.
Product: Checking or savings account

XXXX writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transaction were authorized, I was charged fees due to lagged posting of the charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I spotted an erroneous and unverified bankruptcy. Besides, Bankruptcy Courts do not share public record information to the Credit Bureaus.
Product: Money transfer, virtual currency, or money service

I used Remitly and TapTap Send app.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report i noticed that there were collection accounts on my report that are not mines, I reached out to this collection agency and informed them that these accounts were not mines, and they refused to hear me. So then I reached out again and asked them to send me validation with something bearing my signature and instead they sent me a copy of the original creditors past due bill in my name. So I then asked them again to send something with my signature and they ignored that. It has been over 45 days and they are continuing to deny my FRCA right to obtain proof that said account is mine that bears my signature. so before i pursue a small claims case I am urging the cfpb to aide in me rectifying this egregious error that is harming my financial growth and financial health.
Product: Credit card or prepaid card

Account XXXX his is for JPMCB credit department In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours.
Product: Mortgage

I can not get a human on the phone to talk about my refinance, they changed the refinance term without my approval, no one will help me from Roundpoint mortgage. I have spent 7 days on hold and sent 50 emails.It went from 30 years saving over XXXX a month of my loan to 25 years saving a little over XXXX a month. That makes no sense, I would have never changed from a 15 year loan to 25 to save a mere XXXX dollars a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a inquiry never auth to pull my credit XXXX XXXX also and XXXX
Product: Credit reporting or other personal consumer reports

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant XXXX XXXX XXXX distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint because despite my efforts for a resolution I have failed to receive a LAWFUL remedy for fraudulent reporting of adverse accounts on my report. On XX/XX/21 I sent letters out to the credit reporting agencies XXXX, Equifax, XXXX  requesting deletions of these account but after 60 days only one account was remedied. 
They following account needs to be DELETED from my consumer report : Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Account Status and Last payment XXXX Account Number : XXXX I XXXX XXXX as the only " natural person '' and also " original creditor '' did NOT give instruction for these agencies to furnish this adverse account on my report, I do not validate this alleged debt. According to Congress law under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  canceled a credit card I've had opened with them for over 10 years because of an issue of my social security number.The account was a business card in the name of XXXX XXXX XXXX XXXX XXXX last four digits # XXXX the card had a Credit Line {$5700.00}. 
They closed the account because they kept asking for a Federal Taxpayer number. I told them many times that I used my personal social security number on the original application. this account was opened as sole proprietors account. 
XXXX XXXX allows a customer to use '' Your Business Employer Identification Number ( EIN ) or Social Security Number ( SSN ) for Sole Proprietors-Your Personal Social Security Number '' I used my social number for this credit card account. They refused to accept this and when I write them it takes them 90 days to respond. They have hurt my credit score by closing this account.
Product: Debt collection

Professional Account Manage ment LLC h as been attempting to demand payment for a debt that I have already paid. I have contacted them on several occasions to provide proof that this debt was paid, however, they refuse to clear the account and continue to contact me and demand payment.  <P/> I first contacted them on the phone after receiving a bill. I explained the situation, however, they continued to send notices.  <P/> On  XXXX   XXXX   2017  I contacted them again via written letter. I included the account number, violation number, the check number it was paid with, and when it posted to my account. I never received a response. They continued to send me notices demanding payment.  <P/> On  XXXX   XXXX   2017 , I wrote another letter and enclosed copies of the checks that the client they are collecting for cashed. They are still sending notices.  <P/> On  XXXX   XXXX , I contacted the original creditor who sent the debt to the collector (   XXXX   XXXX   ). They stated that I would receive a return call, but I never have.
Product: Checking or savings account

Overdraft fees account freezing transfer fees deposit fees close my account
Product: Debt collection

I received a call today on my direct employee office line from Transworld Systems. I have no idea why they are calling me at my place of employment. I attached a screenshot of my office line Caller-ID.
Product: Checking or savings account

XX/XX/year> I had received a call from an automated message saying my card, ending in a specific XXXX numbers, had suspicions activity on it. I Ignored because I had no cards matching that number and thought it was a spam call. 
XX/XX/year> I get home from work and get the mail. In the mail i find information and a card linked to an account from US Bank that I did NOT open on XX/XX/XXXX. I have not banked with US Bank once. I call the bank immediately and report that the account is not mine, i did NOT open it. The banker asked me some verification questions like name, address, SSN and they did indeed use my name, social security number, & address to open an account. But they did use another phone number and email to create the account. He then told me that the account was opened at a branch off of XXXX, which is only a couple miles from where I lived. He then told me that the account would be on lockdown and they were to do an investigation and get back to me. I then contacted to the police to report identity theft and was told to go to the bank to find out what's happening. I then proceed to the bank with my fiance. After asking for the XXXX we sit down with her and I explain the situation. As I'm explaining and asking questions about what is going on she's sitting on her computer on XXXX sending messages to people, I can see the screen where I'm sitting. She the proceeds to tell me that indeed my identity was taken but i had misinformation about how the account was opened and that it was " opened online ''. She proceeds to tell me that anyone can open an account but they do not need to show proof of identification when opening an account and they don't need to verify their identity until having the account for XXXX months. She also tried showing me on the computer as i then again saw her messaging on XXXX before getting in contact with someone about my account. I then ended the conversation receiving no answers to anything but rather more questions to what's going on at US Bank. I then have to proceed to lock everything down and buy special protection for my identity. 
XX/XX/year> I have not heard anything back.
Product: Money transfer, virtual currency, or money service

We have a manufacturer waiting for a money to be transferred so they can continue the process to manufacture our merchandize. 

On XX/XX/, in a Wells Fargo sucursal sited on XXXX XXXX XXXX XXXX, XXXX, FL XXXX we transferred {$10000.00}. This is a business we have standard relationship during the year, and it is not the first time we transfer money. In fact, this is just an addition to complete the new batch as new requirements were added to the process requiring the additional money. 

We provided all the information requested including invoices from manufacturer, etc. 

We have been visiting the institution several times, having meetings and meeting with no resolution and not even an answer about the reason the money is on hold. This situation will cause a significant financial damage to our company, as we depend on receiving the merchandize on time for the holiday season and to avoid significan increase in the shipping price due this delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received two letters of denial from XXXX XXXX. Included are these two pictures. 

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and two denial from XXXX XXXX stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX ID XXXX, Dispute case ID XXXX and XXXX. XXXX and XXXX  is blatantly punishing a victim of identity theft. XXXX and XXXX  has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX and XXXX  are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX and XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX bank and XXXX  cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX and XXXX  now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX and XXXX  continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. Included is have I been pwned data on security breaches that further confirm identity theft from old emails. Legal : I have the right to amend this statement.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my debt, but this company is reporting this card was opened by me and it's on my credit report. I wish for it to be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXX credit card. To date, either 1 ) XXXX XXXX has failed to report this status accurately, or 2 ) Experian, XXXX, and XXXX have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.
Product: Debt collection

AMSHER COLL Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$800.00} Balance updated XX/XX/2023 Original balance {$800.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Contact info Name XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting or other personal consumer reports

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

Violation codes : 15 U.S.C 1681a ( 2 ) ( Ai ) 15 U.S.C 1681 602 AStates I have the right to privacy. 
15 U.S.C 1681 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

I explained to Experian that there should be no other addresses reporting to my Experian credit report other than the XXXX XXXX XXXX. Any other addresses are incorrect. Experian is in violation of my consumer rights. 

Experian just sent me an Experian credit report to the XXXX XXXX XXXX, so this is my correct address. 

I have attached 2 documents : my credit report that Experian just sent to me with my XXXX XXXX XXXX address and the other addresses listed that are not suppose to be on my Experian credit report.
Product: Vehicle loan or lease

On XX/XX/year> this company illegally reposed a vehicle from one of my properties that they legally have no rights to the vehicle was taken from me via mechanics lien for work I could not afford to pay for. This company accessed my credit report illegally to obtain the address where the vehicle was repossed from. They are not the rightful owners of this vehicle and refuse to return it to the current owner who Im currently having issues with about the vehicle. This state of limitation for this company to collect on this debt has also expired
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please, the following names needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also the account needs to be removed : XXXX XXXX XXXX A copy of my Bank Statement, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date, they have not responded. 


The following account was never late : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ). Please correct/update this inaccurate information on my credit report. 
The following account was never late : XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} ). Please correct this inaccurate information on my credit report. 
The following account is not mine : XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} ). Please remove it from my credit report.