23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Kindly examine the enclosed documents. I strongly encourage the bureau to commence an investigation into these accounts, as I have consistently met deadlines, yet they are erroneously documenting me as being late
Product: Checking or savings account

On XX/XX/XXXX my 401k check in the amount of $ XXXXCk # XXXX check was sent to my soon to be ex-wifes address where she took the check and sent it through Bank of America night depository account in XXXX ga. Ive contacted and done everything Ive been asked to do to get my money back and no one wants to help me at all. 7 long months I have suffered a financial hardship due to a negligent act from this bank. 
The bank has tried to tell me this is a joint account. Ive never had a bank account with Bank of America and certainly never will through all of this. 
I have waited almost 7 months trying to get my money back from this bank. I have no job and this was my source of survival. How can this bank be this negligent? How long can I expect it to twk to receive my money back?
Product: Debt collection

XXXX is still trying to charge me XXXX dollars on an account that wasnt opened by XXXX also bought an iphone on that account. This was supposed to be off my credit report years ago. XXXX is saying the debt is fro XX/XX/XXXX thats not true either, this all happened back in XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. Please delete the following accounts : XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$0.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$4000.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$6400.00}
Product: Vehicle loan or lease

On XX/XX/XXXX, my auto payment was returned, this was my fault as I had used the wrong bank account. As soon as I realized, the mistake I made a payment online. After making the payment I began receiving calls that I was past due. After talking it over, they told me that my payment I made online was for principal and did not count. They would fix the issue. About a week goes by and I start getting calls again, they state that I am past due. I explain the situation again and I look on the website and no where on the wesbite does it show that the payment I am making is for principal and not for my normal payment. I call back again to see if they fix the issue, because my online account is showing I am past due. The lady on the phone tells me that it is fixed on their end and that it takes about a week for it to be updated on my end. 

My issues are : 1. Their website does not explain that the payment goes to principal.

2. Taking a week to update the consumer facing website is too long, that should be instant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe on XX/XX/2021 Equifax removed a public record ( bankruptcy chapter XXXX XXXX from my credit report, due to not being able to verify that information. But for some reason that public record reappeared on my Equifax credit report XX/XX/2021. I really feel like the credit bureaus are breaking the law by doing this. Multiple times i had sent proof that the courts does not verify bankruptcies with the credit bureaus. Equifax deleted that account due to lack of verification. Im disappointed that they are being untruthful and went against the fair credit act and added back to my report just to make a dollar off my name.
Product: Mortgage

Wells Fargo bought my mortgage and soon after tried to cross sell me flood insurance that I did not want or need. I proved this case conclusivly, but Wells Fargo lied that they could force this insurance and they reapportioned my mortgage payments to pay their flood insurance and began foreclosure proceedings. I hired an attorney and we sued them. Wells Fargo ( with your help ) " agreed to '' clean up my account, return all unlawfully escrowed money back into my mortgage payments, and pay {$15000.00} for ruining my credit for 4 years. Wells Fargo asked that I close my complaint with you ( CFPB ) in XX/XX/2018 and then they would settle this case. I did and Wells Fargo paid my attorney {$15000.00}, and then " RENAMED '' their escrow account with me as a " different '' debt instead of returning it to my mortgage account. Wells Fargo was informed of this issue by me and my attorney. They knowingly ignored it, and then ruined my credit again. 
My husband can not retire. We can not get a mortgage on our homestead, We can not refinance investment property or get development loans in some commercial property that we own. Before this Wells Fargo nightmare began, we had planned to refinance a rental home at 3.5 %, to pay off a student loan, and situate ourselves for retirement with a 3.5 % home loan on our homestead. None of this has been possible. My husband is XXXX-years-old, my student loan has grown beyond control, interest rates are climbing far beyond 3.5 %, and a personal loan with a family member is being called in. 
Please reopen the complaint that you closed in XX/XX/2018. Wells Fargo has breached their contract and settlement with me. The costs to settle this case are the costs for me to reclaim my plans listed above. Please note that the issues listed are not " mistakes, '' but instead predatory acts by Wells Fargo.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I was never late!
Product: Credit card or prepaid card

A purchase was made on XX/XX/XXXX from some place called XXXX XXXX on My Serve Blue American Express Card. When I called the customer service from Serve Blue, I was told to put in a XXXX dispute /claim. I did was denied without explanation. I was told that I would have to but my request in writing and send to Serve. I did, not correspondence came back. So I put in a second and third fraud and both were denied again without explanation. 
I have since called and now my account has been closed. I have not received any verbal, written or email for the whereabouts of the transaction. 
This the 3rd time since opening the account in XXXX that monies have been taken from my account without explanation. Usually I put in the declaration of fraud and the money is returned. I have proof of each time. But this time, I am being taken to limits that should not be for {$85.00}. I have asked to speak to a supervisor and of course there is not office I can go to to settle my didspute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reflecting my 'correct ' credit score I was the victim of identity theft that nearly bankrupted me back in on or about XXXX of this year. 

I complied with all the steps given here at your site for victims and yet ended up having to file complaints with the FTC as well as the FDIC. 

When applying for a reapproved CC they emailed me with my Experian Credit Score which is more than XXXX and XXXX points lower than it is showing on the Experian Site. 

I am without any doubt this is a continuation of my identity theft. 

I am requesting that Experian correct this info immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account shows as a derogatory mark on my credit report which I was unaware of this account. I have not received any letters or phone calls related to this. It was closed an sold to collection agency who neither tried contacting me before putting on my credit report
Product: Debt collection

First Federal Credit Control has listed as of XX/XX/XXXX, 2 accounts totalling {$1400.00} on my XXXX  report and 3 accounts on my XXXX report totalling {$1500.00}. I sent a certified Debt Validation letter giving them 30 days to respond. I have since filed a complaint with the XXXX, # XXXX in which First Federal acknowledged reciept of the certified letter on XX/XX/XXXX. The resolution i am seeking is validation of the alleged amounts. They responded to XXXX stating they could not find the accounts, spoke with a " XXXX '' who was rude and said that " My bills '' were in route and my debt validation letter was " Jargon '' that did not matter. I seek to have all listings from First Federal Credit Control removed from all 3 credit reporting agencies. They have not complied with my Debt Validation request giving them until XX/XX/XXXX to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you because the XXXX major credit reporting agency are reporting inaccuracies information on my credit report XXXX, Equifax and XXXX. This account was deleted from my credit profile and was reinserted, Section 611, states I was to be notified in XXXX business days of this account being reinserted back onto my credit profile and also according to the FRCA all XXXX credit reporting agencies must have the same information. 

I also opening up a new dispute on XX/XX/2023 and got a response back in 3 days that the item was verified as mines. It take an investigation 30 days. So I'm assuming they never investigated the account. I stated in my dispute please provide all statements showing the exact past due any miss payments and the exact date this account became negative. 

I tired to filed another dispute with XXXX and Equifax received a documents saying I can't opening another dispute according to the FCRA as a consumer you can dispute any reporting inaccurate information reporting on your credit profile. Below is the account in question. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2018 I received a threatening phone call from XXXX USAA stating that they will not review my case, they will hold me accountable for fraudulant activity on my acount, per a prior CFPB report regarding fraudulent charges that have been disputed for the past year, some charges were reversed, but there is still an outstanding debt. The company states they have decided to hold me accountable for a fraudulently used convenience check. I have been a member of USAA savings Bank for 20 years and never used a convenience check to pay another person. they claim I paid someone, with this check. They are attempting to ruin my life, thay have put me in severe danger That is absolutely ridiculous as I have never written a USAA convenience check, never received, I have asked for a copy of the check, whom it was written to where it was cashed, where the checks were received and received no response. I have asked for the company to stop blatantly lying to me directly. I have asked them to put themselves in my shoes as a consumer and 20 year member and to simply do what they advertise which provide and protect consumers with XXXX liability fraud protection. This is 100 % fraud where is my liability protection? Why am I to be held accountable for this? I never received checks, I never wrote checks. They have caused me undue harm, increased stressed and should be held accountable for their actions. They do not really care about the consumer, they have no fraud protection. I would request a full audit of this company and there policies, specifically regarding denied fraud claims, as they continue to put the consumer at risk.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have attached and FTC report with a collection and inquiries I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed permanent freeze in 2017 ( had problems with that not sure I ever got pin ). Tried to permanently remove online today but couldn't. Said it would take me to a screen to verify identity, but it didn't. Took me to a form to mail in a bunch of info. including DL and SSN. Don't have time for snail mail and dont want to send that info through the inherently unsecure mail. Anyone along the official path would have access to all the info necessary to steal my identity - name, DOB, address, physical description, including photograph, SSN, and DL number! And, thats if it didnt get lost, delivered to the wrong person, or stolen from a mailbox.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$970.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  Bankruptcy : Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX / XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$280.00} XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Product: Credit card or prepaid card

A week ago I received a notice and a new debit card from Cardholder Services for an USBANK XXXX. I never requested this card nor do I have an USBANK account. My understanding when researching online this would be triggered by someone filing for unemployment benefits and the government uses this card as a prepaid debit card. I have not applied for unemployment benefits. 
I did not activate the card. I did not contact USBANK because my research shows it could be a big waste of time. 
My concern is how did my name get used to apply for this card? I also want to get this account cancelled. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts are out of compliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute DepartmentExperian XXXX XXXX XXXX, TX XXXX Dispute DepartmentEquifax XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Immediate Action Regarding Data Breach and FCRA Compliance To Whom It May Concern, I am writing to formally dispute the presence of inaccurate or unauthorized information on my credit reports provided by your respective agencies, Experian and Equifax. It has come to my attention that my personal information was exposed in a recent data breach, and as a result, my credit history has been impacted. 
Legal Framework for Dispute : Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute any incorrect or outdated information on my credit report. The FCRA mandates that credit reporting agencies must investigate any disputes I raise within 30 days of receipt and remove any unverifiable, inaccurate, or fraudulent data. Additionally, Section 1681e ( b ) holds credit reporting agencies responsible for maintaining accurate and complete information. 
Your failure to ensure compliance with the FCRA, resulting in the inaccurate reporting of accounts impacted by the breach, has directly affected my ability to obtain credit. I have been unjustly denied credit cards, auto loans, and subjected to higher interest rates because of this negligence. I am requesting that you : 1 Immediately remove any and all accounts impacted by the data breach from my credit file.

2 Conduct a thorough re-investigation of my credit report, ensuring that only accurate, verifiable information remains.

3 Provide me with a formal response detailing the actions taken to address this dispute. 
Please note that I am giving you five ( 5 ) business days from the receipt of this letter to resolve this matter. If I do not receive confirmation from you that my credit reports have been corrected, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for violations of the FCRA.

Pursue legal action for damages under the FCRA, including but not limited to claims for punitive damages, attorney fees, and statutory damages. 
I expect a prompt and satisfactory resolution. Failure to comply will leave me with no choice but to seek further remedies as outlined above. 
Thank you for your immediate attention to this matter. I trust that you will act in compliance with the Fair Credit Reporting Act to rectify this issue. 
Sincerely, XXXX XXXX
Product: Debt collection

I got repeated calls saying, " A complaint is being filed against you that requires your immediate attention ... '' They left this number to call : XXXX. 

When I called they informed me that XXXX was suing me for an unpaid bill of {$1000.00}. No such bill exists. However I did have a bill with XXXX that totaled {$160.00}, a different debt collector had it and it was paid off. 

There were XXXX people that I spoke to within this offic. I informed them that I believed it to be a scam and tried to request more information and XXXX of them transferred me and XXXX of them hung up on me. I finally got someone who gave me more information and he informed me that they could have received this bill by mistake but that I should still prove that it had been paid. The offer was to prove payment, handle it outside of court by paying them 60 % upfront or all of it through payments or being taken to court where I could fight it. 

Their website does not look completely real and they use a false address, that when searched on XXXX maps give a ups location.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries should not be on my credit report! XXXX ( Credit Inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) Capital One XX/XX/XXXX ) Capital One XX/XX/XXXX XXXX 's XXXX XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You
Product: Checking or savings account

Hi I'm banking with chase. So my uncle was giving me his XXXX paychecks for me to deposit and XXXX go through but XXXX isn't. The a few day later my account is locked down and they said that I need to call them for fund verification. They ask me for my uncle number and I did give it to them but they said it was not the correct number even when it is the only phone number that he has used and in his bank aacount setting for main contact phone number. I also ask them if I can do this in person and they said no. They have no other option than calling my uncle. I still have the check with me because I deposit the check through online app.