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

Department of Nelnet has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education Nelnet Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2022, I was purchasing a software product and the vendor only accepted PayPal. Paypal does not allow a guest option, so I was FORCED to open an account to complete the transaction. I tried to close the account and remove my XXXX XXXX card from their system. They have " locked '' the account until I upload my drivers license AND a copy of my XXXX XXXX Statement, then they will unlock the account and allow me to remove the card and cancel the account. 

I consider this being held hostage. I did not want and do not want a PayPal account. I have brought this to their attention and the only response is them FORCING me to upload identity documents to cancel the account. The vendor received their payment.

I do not understand why 1. I was forced to open the account and 2. Why can't I close it
Product: Debt collection

On or about XX/XX/XXXX someone used my social security number and or identity to call an ambulance the ambulance or the hospital never questioned identity just my social security number and now I am receiving a bell for {$1100.00} on my credit report this that is not mine
Product: Checking or savings account

I tried opening an checking account in XXXX, XXXX and XXXX and all three banks denied me. 

I have no debt. Yes I have XXXX accounts in collection but they have nothing to do with any bank accounts and they total less than XXXX dollars other than that I have no debt and I have a full time job. 

Its very upsetting being denied and being told that its due to delinquency when I literally have no debt. 

I need a bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and i purchased a home in XX/XX/XXXX. Our mortgage was sold to Wells Fargo and the 1st payment was due in XX/XX/XXXX. We set the payment up on Wellsfargo online and figured all was ok. I received a call 3 months later stating that we are 3 months behind on our mortgage and owe a balance of over XXXX. I immediately paid this over the phone and asked why the online payments never came out and why is this the first i'm hearing of this?. The representative said we never set it up. NOT true. I never received a call, email, letter, nothing trying to retrieve the payment until the call i got 3 months later! if you look at our credit, in the 54 years of us being married, never have we ever ever missed 1 mortgage payment. ever and we can not get them to reverse it so now our credit is showing 3 late payments and this is hurting our credit. i want to lodge a complaint to all 3 credit bureaus and  WELLS Fargo. This is very unfair to us. we are senior citizens and do not deserve to be penalized for their error. Please try to help us and go after Wells Fargo to correct this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00}
Product: Checking or savings account

Wells Fargo keeps denying my card in XXXX. I spend hours on the phone with fraud detection
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX BANK XXXX Balance : {$7000.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Product: Mortgage

I have a Countrywide mortgage that originated in XXXX. 

Bank of America states that they service the loan for XXXX XXXX XXXX XXXX XXXXXXXX. 

Bank of America has frozen my online access to the account and has returned over fifteen payments to me that I have made to the account. 

On XX/XX/XXXX : The Consumer Financial Protection Bureau announced Thursday ( XX/XX/XXXX ) that it has leveled a {$100.00} XXXX fine at Bank of America for allegedly messing up the disbursement of state unemployment benefits during the pandemic. 

Bank of America reportedly automatically and unlawfully froze peoples accounts with a flawed fraud detection program, according to a CFPB press release. The CFPB also alleged the bank didnt offer impacted individuals much recourse, even if there was no fraud. ( XXXX XXXX /XXXX/news/cfpbXXXX/cfpb-fines-bank-of-america-XXXX-over-alleged-unlawful-account-freezing/ ) According to several different Bank of America employees that I spoke to during the week of XX/XX/XXXX they have a right to freeze my account. 

They suggested I speak to the law firm of XXXX XXXX. XXXX. An attorney at XXXX XXXX. XXXX in XXXX, Maryland who I had emailed about the freeze before making some of the phone calls suggested I call Bank of America. 

Bank of America knows that I have applied for Homeowner Assistance Funds and have a HAF letter from the XXXX, DC Government office handling HAF ( https : //haf.dc.gov/ ). The attorney I spoke to at XXXX XXXX. XXXX has told me several times I am not in foreclosure. 

Regardless of this, Bank of America has frozen access to my account. When I wanted to retrieve some documents for my tax preparation I wasn't able to. In addition I have an interest in reviewing my account history and reviewing different documents as I have always been able. In this age of paperless statements and paperless documents the customer should be able to access their online accounts. There are particular documents I am interested in printing out and forwarding to the CFPB and others but I can't do it because I am frozen out of the account. 

Bank of America is aware that I have made several complaints to the CFPB and may be trying to stop me from accessing my loan documents ( I don't know ). I should be allowed access to my loan history and all documents and be able to review all of them. 

In addition Bank of America has returned over fifteen payments I have made to them. One bank of America employee who I spoke to on XX/XX/XXXX said this should not be happening and he corrected the error on XX/XX/XXXX but the " error '' came back in XXXX of XXXX. When I mentioned this to the employees I spoke to during the week of XX/XX/XXXX they were not able or not interested in reversing the computer to allow me to make payments. 

In light of the XX/XX/XXXX ruling from the CFPB I believe that the freezing of my account is unlawful.
Product: Debt collection

I spoke with IC System on XX/XX/2020 with representative XXXX XXXX and he confirmed that I do not have a XXXX debt with my social security number in their system. This debt does not belong to me.
Product: Debt collection

I was told by the credit bureaus that the original creditor rejected to remove any negative reporting as well as updating my balance to reflect XXXX despite providing me with a letter stating they would do so. I feel the creditor is sending me in circles because when I call to check the status of my dispute and to get more info on the process, they say that my account has been submitted to their sector that handles these claims and there is no way to speak to them and I have to just wait for a response. This has gone on for a number of months and I do n't believe this is legal or right to do so. I feel I have taken the steps provided to me and still nothing has happened.
Product: Money transfer, virtual currency, or money service

My sending limit per day is XXXX it stated on XX/XX/XXXX after I sent {$500.00} to another account zelle stated it would be available in minutes it took 4 business days for it to appear in my bank account, so the funds appeared available until XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I have been writing your company endlessly and also writing directly to Equifax to try to get my credit score correct as I am a victim of identity theft since XX/XX/XXXX up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with Equifax the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX   card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also Equifax does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also Equifax is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX as they keep putting my information at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXXXXXX Balance : {$7300.00}
Product: Credit reporting or other personal consumer reports

Request for Investigation into Equifax 's Reporting Practices Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating Equifax for its handling of my credit report. I have encountered numerous issues that suggest improper and potentially unlawful practices that have caused significant harm to my credit standing. 

Reasons for Dispute Reinsertion of Previously Deleted Inaccuracies : Equifax has repeatedly reinserted charges and accounts into my credit report that were previously investigated, disputed, and deleted. These items continue to reappear without any notice or explanation, contrary to the Fair Credit Reporting Act ( FCRA ) requirements. 

Incorrect Address Listings : My credit report contains multiple instances of addresses I have never lived at, despite my efforts to dispute and remove them. These inaccuracies have reappeared multiple times after being corrected, leading to confusion and potential misrepresentation of my creditworthiness. 

Failure to Investigate Disputes Properly : Despite providing documentation and evidence supporting my disputes, Equifax has failed to adequately investigate or correct the errors in my credit report. Instead, they have provided generic responses and dismissed my claims without resolution. 

Recurring Inaccuracies : I have noticed recurring inaccuracies, such as outdated or incorrect account statuses, that remain on my profile despite being flagged in previous disputes. This has led to unjustified negative impacts on my credit score. 

Impact on My Life These ongoing issues with Equifaxs reporting practices have made it difficult for me to secure loans, housing, and other financial services. Additionally, the repeated need to dispute the same inaccuracies has caused unnecessary stress and financial strain.

Lender Name : Amount : {$45000.00} Issue : Loan was taken out in my name without my consent. Despite reporting this fraud to the lender and credit bureaus, the loan remains on my credit report. 

Issue : Unauthorized personal loan opened using my information. The lender did not follow up on my dispute or provide resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX has repeatedly and blatantly violated my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. This is a clear violation of the Fair Credit Reporting Act, a law that mandates consumer reporting agencies to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681e ( b ). According to 15 USC 1681i, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the consumer 's file or modify it, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file. According to 15 USC 1681s-2, they are supposed not to 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 card

I claimed billing errors to AMEX on these dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX. I alleged the merchant never delivered all of the services I paid for ( {$8000.00} ). 

Repeatedly, AMEX failed to thoroughly and properly determination as to whether all the services were delivered or not. It is undisputed that all the contracted services were NOT delivered because I terminated the contract early due to the fact that the merchant 's services were deficient, not delivered as agreed upon, and misrepresented. 

AMEX XXXX VIOLATIONS OF FCBA LAWS 1 ) On XXXX/XXXX/XXXX I filed my most recent billing error letter with AMEX via US mail. Over 3 months later, on XXXX/XXXX/XXXX I called AMEX to ask what their ruling was. It was during this call that I learned AMEX alleged they had mailed a letter to me on XXXX/XXXX/XXXX. This was strange to hear because I had always received all other letters from AMEX except this XXXX. Today, on XXXX/XXXX/XXXX, I received AMEX letter, dated XXXX/XXXX/XXXX, informing me they had ruled against me regarding my XXXX/XXXX/XXXX dispute of a {$7500.00} charge. AMEX notified me after 90 days after I mailed my " billing error '' dispute letter to AMEX at their " billing error '' address. Per FCBA AMEX had to mail their decision NO LATER than 90 days after I advised them in writing of my dispute due to " billing errors ''. 

2 ) AMEX has repeatedly failed to make appropriate corrections on my account, including their failure to credit amounts erroneously billed. 

3 ) AMEX has failed to transmit to the obligor a notification of such corrections and the creditor 's explanation of any change in the amount indicated by the obligor under paragraph ( XXXX ) and copies of documentary evidence of the obligor 's indebtedness. AMEX has not provided accurate or substantive evidence that proves my indebtedness per FCBA guidelines. 

XXXX ) More importantly, AMEX has failed to prove I did receive all the legal services listed in the retainer that I paid for ; because my billing error alleged the merchant charged me for services I never received, AMEX repeatedly declared I " did '' receive all the services I paid for based solely upon the Merchant 's claim. AMEX has repeatedly failed to fulfil the FCBA requirement that they must thoroughly investigate to make a proper determination as to whether all the {$8000.00} services listed in the retainer were actually delivered to me and provide proof of this to me per my request. Because AMEX has repeatedly failed to meet this FCBA requirement, I am released from such indebtedness. 

Given the aforementioned, I am asking your organization to enforce the consequence that AMEX can no longer require me to pay the {$7500.00}, a sum I have disputed since XXXX XXXX, because they repeatedly failed to prove and properly determine that all the services I paid for were delivered ... .and because they have failed to deliver proof to me that " all '' the services I paid for ( {$7500.00} ) were delivered to me.
Product: Credit reporting or other personal consumer reports

Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) XXXXXXXX XXXX XXXX  {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has XXXX XXXX XXXX from XXXX ( see attached FTC Complaint ) of which 5 are under the {$500.00} limit set for 2023. None of these are valid and I have expressed to XXXX in writing these debts are not validated and I am speaking directly with XXXX now to do just that. These 100 % are a violation of the FDCPA and I am disgusted with Experian in their handling of this. Usually, they have been good in working with me, but not this time. I feel this should be investigated and actions should be taken.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC1681C-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information appearing on my consumer report consist of personal credit card XXXX XXXX XXXX  opened at XX/XX/XXXX, under account number ( XXXX ) in the amount of {$310.00}, A credit line worth {$750.00} in relation a company name XXXX  account number # XXXX ) OPENED ON XX/XX/XXXX. An auto loan opened XX/XX/XXXX at XXXX XXXX  account number ( XXXX ) in the amount of {$10000.00} a collection accounts opened under XXXX XXXX  in the amount of {$960.00} account number ( XXXX ) opened on XX/XX/XXXX that appears to be related to XXXX An personal credit card opened on XX/XX/XXXX at XXXX  that appears to be related to XXXX XXXX XXXX account number ( XXXX ) in the amount of {$630.00}. A personal loan opened on XX/XX/XXXX account number ( XXXX ) that appears to be related to XXXX XXXX Another personal loan opened on XX/XX/XXXX in the amount of {$430.00} account number ( XXXX ). These accounts have resulted in several fraudulent and hard inquires appearing on my consumer fico credit report maintained by you which shows fraudulent items. I do not recognize the Aforementioned accounts, collections, or hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint case # ( XXXX ) as proof from the US federal trade commission that all of the aforementioned consumer report, accounts, collections and hard inquires are the result of identity theft. 


Fair solution : I request, pursuant toFCRAV605B ( 15USC 1681C-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquires identified by the CFPB Complaint from my consumer credit file within 4 business days of receiving said complaint. I request all written confirmation regarding this cfpb complaint be sent to me via email to XXXX Hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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