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

On XXXX an ACH withdrawal of {$2400.00} to XXXX XXXX posted to my account with sufficient funds. The account had sufficient positive balance. 

On XXXX an auto deduction of insurance was made by USAA that created a negative balance in my account. 

On XXXX I received my regular paycheck of approximately {$7400.00}. 

USAA retroactively re-ordered the transactions to decline/return NSF the {$2400.00} payment that had already posted with sufficient balance costing me {$50.00} with the agency that collected the payment so they could debit {$280.00} for insurance. 

CFPB is actively investigating re-ordering as unethical and perhaps illegal.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account name : XXXX XXXX XXXX  Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX  XXXX XXXX Account number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( XXXX ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the XXXX bureaus have yet to do so. They are XXXX XXXX XXXX by continuing to report as a charge off each and every month.
Product: Checking or savings account

On XXXX XXXX Chime sent out a email asking clients for recaps and promising a XXXX XXXX The promotion was from XX/XX/XXXX - XX/XX/XXXX. I referred family and friends. On XX/XX/XXXX I received XXXX bonus on XX/XX/XXXX I received a bonus of XXXX. I immediately called because I noticed I didnt receive the additional XXXX. I called several times seeking for help with no results. I called this morning XXXX/XXXX  and spoke with a XXXX who stated this was a one limit Refferal. I explained to her if that were the case it should have been explained in the email. She asked me to forward her the original email and after looking over it she apologized because it wasnt listed. I asked her how could she make this right for me being that Chimr had me refer people with the expectation I would receivXXXX XXXX XXXX. The only thing she could offer me was an apology and a ticket number XXXX and she stated she would tell her back office so they could fix the verbiage. I feel violated and lied to and I want Chine to make things right on their end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( reporting to experian and XXXX but was remove from XXXX dates of activity are incorrect and does not meet fcra Delete immediately Inquiries remove immediately I did not authorize those inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with Bank of America and XXXX. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX  XXXX, XXXX ) will not block these fraudulent accounts.
Product: Debt collection

the person they are trying to collect from does not live or has ever lived in our home and is unknown to us. We have lived here for more than 25 years. They are trying to collect from a XXXX XXXX I have explained this over the phone numerous times and now they are sending collection mail to my address
Product: Debt collection

ERC ONCE AGAIN WENT ON MY CREDIT REPORTS WITH OUT VALIDATION AND NOW MUST CEASE AND DESIST COLLECTIONS. XXXX HIRED MR TO HELP! 
SEE ATTACHED XXXX.
Product: Credit reporting

Yes, created a dispute with Transunion, but no dispute number or response. 
XXXX The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across XXXX such plan with a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days XXXX XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Transunion to correct this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit card or prepaid card

Two weeks ago I received an email stating that I had violated section 22d. I had over {$2000.00} in my account. I tried contacting customer service and it hung up on me. I tried again and waited for over four hours for them to tell me there is nothing that they could do. All I want is a check mailed to me with my remaining balance. I called again and on hold for over four hours and they said I would need to send a letter to customer service. It has now been two weeks and I have not heard anything back or received my money.
Product: Payday loan, title loan, or personal loan

Tried to pay account the website would not let me pay my loan when logging in the rep said I had a day and deadline to pay it on the day of the deadline it after logging it the website would not allow me to make my final payment therefore therefore causing me to default on my loan I also tried calling the office and was unable to get a rep back to accept payment rise makes it difficult to get assistance to get anyone on the phone to pay and locks up their website on the date the payment is due causing the consumer to pay late fees and terminating account due to their system error
Product: Credit card or prepaid card

I purchased a prepaid debit card as a gift at a retail store ( XXXX ) in XXXX or XX/XX/XXXX The person I gifted it to attempted to activate the card via on line and by phone. She was unsuccessful. She returned the card to me and I attempted to do the same and called ( XXXX ) netSpend on three different occasions and they would not activate the card or refund my money. On my last call ( today XXXX/XXXX/XXXX ) they refused to help me at all. I requested to speak to a supervisor and I was disconnected. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of a XXXX XXXX XXXX XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified that I have never had a late payment. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  XXXX reported thaXXXX Capital One Auto charged off the account and marked me with a missed payment. In reality this account was charged off over two years ago. This action has dropped my score over 50 pts which is hurting my lively hood .... 

I have filed a dispute with the credit agency due to inaccurate info on this account and they came back with this. This is a gestapo tactic...
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and I show inaccruate informaiton listed. I attempt to dispute item and I have not recieved any replies and it be pasted more than 60 days on account with in a viloation for FRCA timeframe. Please delete account Name XXXX Account number XXXX.
Product: Vehicle loan or lease

I requested something as simple as a goodwill adjustment to be done on my account back in XXXX by an email that I sent to Westlake corporate office & letter I sent to their their XXXX XXXX branch, both letters were ignored until I sent the letter directly to the customer service team on XX/XX/23 regarding an issue with them charging me for a returned payment that was actually paid from another card that I had on file. I asked for the goodwill adjustment due to an SBA loan that Im trying to acquire to pay off the remaining $ XXXX on my car loan & to be able to save my small business, I only asked for one payment to he adjusted due to some mistakes I made earlier in the year due to the COVID pandemic. I have been consistent with my payments since the first 2 30 day lates I incurred. Im not asking to skip payment or anything special, just a goodwill adjustment & will give my continued consistency with paying on time. Even as a person with a XXXX Im not making excuses, but I really dont want to have to end up going back on XXXX after working so hard to maintain 2 years in business
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized any company to get my credit information. I did not ask for car companies to get my credit information. I did not ask for anyone to obtain my information. I have a credit freeze and protection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received an email alert from XXXX XXXX stating, " Hi XXXX, A new inquiry was just added to your XXXX  credit report. XXXX This could affect your score, but the change will make less of an impact over time. 

If you didn't give anyone permission to check your credit, then you can file a dispute with the credit bureau. '' When I checked my current credit score it showed that it had dropped a few points due to an inquiry made by SALLIE MAE BANK ... I have never done business with this entity nor have I applied to open a credit-line or open a loan from them. 
Is this someone trying to commit identity fraud?
Product: Mortgage

Rocket Mortgage bought my mortgage from another lender. In the process the information on paying the hazard insurance did not get transferred over and the insurance lapsed. I provided Rocket Mortgage Insurance carrier information every time they ask. XX/XX/XXXX, Rocket Mortgage informed me that there was no insurance, and I took steps to get new coverage within two days. Because of inaction on their part coverage did not get paid and insurance lapsed. Full Coverage presently exists on the property. 
The laps of insurance went undiscovered by me and Rocket Mortgage for over a year until XX/XX/XXXX. Insurance was immediately ordered and placed on the property. 
Rocket Mortgage now attempting to buy XXXX insurance for the lapsed period of XX/XX/XXXX - XX/XX/XXXX. The insurance would cover nothing and would be only unfair profit in their pockets, essentially a junk fee. Loan # XXXX. They tried to collect for a different time period ( see complaint # XXXX ).
Product: Checking or savings account

I am a customer of Wells Fargo. I have been banking with them since we moved to the US in XX/XX/XXXX and have several banking accounts including Mortgages and Brokerage. My issue is regarding CDs with Wells Fargo. We have several CDs with Wells Fargo. There is no information online regarding the maturity date of the CD. This information is not available easily even if we call Wells Fargo. Wells Fargo also does not have the mechanism of taking maturity instructions which was to put the funds in to my checking account. The only option that I have is to call within 7 days of maturity, although there is no information on the maturity date. This is a scam by Wells Fargo to use customer funds available at a cheap cost without the customer 's permission. I lodged a complaint with Wells Fargo on XX/XX/XXXX. I was informed by the Customer Care Executive Office that I would be hearing back in 7 business days ( being the latest possible date ) from the Case Management team. I did not hear from them and called them back on XX/XX/XXXX, at which time I was informed that the case had not been assigned to anyone. They escalated to the Case Management team for assigning a case manager to look into my issue. I called again a few days later and was informed that XXXX has been assigned to the case. Although I requested them to call me, I once again received no response. On calling back today ( XX/XX/XXXX ), I have now been informed that XXXX did not do anything with the case and assigned it to XXXX on XX/XX/XXXX and as has been the pattern, she has not bothered doing anything either. It has been close to 20 days since my complaint to Wells Fargo and they have taken no action. This further feeds my belief that Wells Fargo does not care about its customers and has every intention of using customer funds without authorization. I do intend to move my various banking accounts from Wells Fargo to another bank that cares.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received a letter from Citibank today seeking to verify " suspicious activity '' on my account. Unfortunately with all the data I've sent them they're unable to verify my identity! 

I gave them my phone number - the only one I've had since long before opening the account. They couldn't use that. They couldn't use my previous ( closed ) account number. Even though they have my SSN, they didn't even ask to verify that. 

I was being asked for other phone numbers, whether I was at work or not ( as if that's even relevant ), if I had any other active Citi accounts ( I don't and I'm seriously considering closing this one as well ). The phone number I called from is the one I used when I signed up for the account ; they can't figure out I'm calling from that number like every other credit card company? 

I was asked for a verification code from the letter ; the problem is there's no verification code on the letter. Their only way to verify me was to send me a paper form. Seriously? 

How can a company be so inept as to not be able to verify the identity of a customer holding not one but TWO physical cards? I wound up hanging up questioning whether I was even speaking to a Citibank customer service agent!
Product: Credit reporting or other personal consumer reports

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 post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

EXPERIAN, 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 with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification XXXX  XXXX Unverified Account
Product: Credit card or prepaid card

My XXXX XXXX Advantage account was locked then suspended with no specific reason. I attempted to reach out Citibank and XXXX XXXX  but no responses at all. 
My account was in good standing and had over XXXX miles. I am current an XXXX XXXX XXXX serving overseas. I don't have any means of getting back home to see my loved ones because XXXX/Citi decided to suspended my account without any explanation. 
my account number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. XXXX XXXX, Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX ( XXXX XXXX XXXXs ) continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never done me any service, they have never provided me any product and I don't know who they are. After several attempts to contact them they failed to disclose an agreement or reply. 

I wrote to them on XX/XX/XXXX and sent a follow-up correspondence XX/XX/XXXX and another one XX/XX/XXXX and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. 
according to the section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. 

I never authorized XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX. 


I NEED THIS ACCOUNT DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I called to settle a debt with a company named EOS CCA. They bought a collection from XXXX and XXXX XXXX. I paid {$1300.00} and {$760.00}. I was told that they would remove the collection from my report since the debt had been paid off. I was provided documentation stating it was settled in full and paid. I disputed the items multiple times and every time the results came back it would say nothing was settled and the results haven't changed. I have reached out to EOS CCA and informed them on this and they said it should've been settled since I paid them. Given the nature I also had another company reach out to me saying that they owned the debt that I had already paid EOS CCA. I had to send them documentation proving the debt was settled. I need to know why it keeps coming back as nothing has changed and that I still have this debt if it has been paid and there is documentation proving the settled debt. It is absolutely tiring that this continues to happen.