23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Bank account or service

On XXXX my account was gotten into on USAA by phone number XXXX at XXXX. At XXXX and at XXXX XXXX attempted to get into the phone automated system. They were able to change my information with only a SSN and birthdate. ( ( When I call I have to provide a pin ). Transactions were made from XXXX XXXX and another in XXXX for on that same night ( they used my debit card for both ). The pin, security questions and password were changed and a new phone number of XXXX ( appears to be texting service out of XXXX was added as my primary number. My account then had a mobile app established on this number which appears to be an Android XXXX XXXX phone. None of these numbers are attached to me or my family nor do any of us have any XXXX smart phones. ( we have all XXXX ) Here is where the NIGHMARE really begins I called USAA fraud department to make them aware that the XXXX number is allowing notifications and it 's not mine. They appear to not be able to remove this device from my profile. The have put in a ticket to try to solve it but it will be sometime next week. So someone has access to my balances and accounts until then even with added security in place. They also can not tell me that after the two week lock out on my account if someone will be able to call in and do this again. I have opened a new checking and savings but am stuck at this moment because I have no way to access my money and the payroll check can not be changed for this reporting period. 

USAA has temporarily refunded the XXXX transaction on my debit card pending their investigation the charge for XXXX XXXX is still pending. Currently there are XXXX others here in our Military XXXX that are having similar situations with USAA. We do n't personally know them and my adult son who no longer lives with us had his account hit 3 days after mine in XXXX XXXX. 

Currently I want answers and USAA can not give me any. I was told by Fraud Department on Thursday to stop stressing and to have a good weekend. 
I have reported to police department and have fraud alerts on all of my credit reports. I noticed all of this on the XXXX and USAA tells me that 'd those other phone numbers have not tried to access anything since the XXXX. Right now not sure I trust them and my information is floating around on an unknown device. 

After speaking with someone who works In computer securities for a large Corporation they feel as if USAA has had a data breech. As I write this I have involved many authorities and this seems to be a huge problem with USAA and I 'm just one of many having this issue in the last 3 weeks. Speaking with about XXXX people here their debit cards have been compromised with USAA since XXXX.
Product: Consumer Loan

I applied for the XXXX update every year program at an XXXX. XXXX did a credit check through Citizens One Loans Personal who did not approve request for the following reasons : GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGEMENT, OR COLLECTION on my XXXX Credit Report. None of the above actions have ever been taken against me nor is any of this information on my XXXX credit report. 
I attempted to resolve this issue with the bank directly but was told to file a dispute with XXXX. But as it was not on my XXXX report I was unable to dispute this statement. After contacting this Citizens One Personal Loans about 5 times I discovered they had used the wrong date of birth. Citizens One claims the social security information was correct but the DOB they used was XXXX/XXXX/XXXX. My correct birthdate is XXXX/XXXX/XXXX. 
I requested the negative credit check be deleted from my credit history as it was based on incorrect information. Citizens One refuses to do so and has advised me to contact XXXX but XXXX states the credit check is based on factual information. 
Citizens Bank has admitted to using an incorrect birthdate and this leaves me at a loss as to how to proceed. 
Citizens One Personal Loans does the credit checks for XXXX but thus far XXXX has not responded to my complaint either. I have filed a complaint with CFPB already and they too are working on this. As this is a complaint about a retail credit loan I am also filing a complaint with you regarding the XXXX XXXX XXXX and their credit check procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXXXXXX Balance : {$5300.00}
Product: Debt collection

I XXXX XXXX make a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Alltran Financial , LP does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX XXXX XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by Alltran Financial , LP and XXXX XXXX XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO I SENT A LETTER OFF ON XX/XX/2022. HERE IS XXXX  TRACKING NUMBER XXXX. TO REMOVE PERSONAL INFORMATION THAT I DO NOT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802 NO FINAICAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE. INCORRECT PERSONAL INFORMATION : NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, FL XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROCTECTED CONSUMER RIGHTS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I certified mailed a letter informing XXXX, Equifax, and XXXX of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your FTC Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of Information.
Product: Credit reporting or other personal consumer reports

The issue is with the account I have with XXXXXXXX XXXX XXXX for credit card ending in XXXX and that I have paid XXXXXXXX XXXX XXXX the {$47.00} balance in full since XX/XX/2023 as pictured in my attachments showing both a payment conformation email from XXXXXXXX XXXX XXXX, and a debit card transaction receipt from my bank showing the payment was debited from my card ; but, XXXXXXXX XXXX XXXX wrongfully and repeatedly credit reports to TransUnion that there is a due balance of {$47.00} still due. I have disputed this with TransUnion and the other credit reporting bureaus several times and this unjust behavior of XXXXXXXX XXXX XXXX still persists, and all three credit reporting bureaus continue to report that there is a {$47.00} balance still due on the account despite me showing evidence to the contrary and that this account has been paid in full since XX/XX/2023. As result, XXXX of my credit scores dropped XXXX points due this willfully erroneous reporting from XXXX XXXX XXXX, thus they are damaging my credit and harming my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a fraud alert added to my personal credit report it was due to fall off/ be removed on XX/XX/XXXX. I contacted the XXXX XXXX to apply for a credit card and was told that the fraud alert was still there. I tried to reach out to customer service and cooperate and all I kept getting is the run-around there was no real person I could talk to
Product: Checking or savings account

I had 3 transactions overdraft me for XXXX dollar fees each and i am having extreme difficulty trying to understand why of the merchants reversed those charges then why the fees cant be reversed either and i have to wait until XXXX next year for any posdible bank fee refunds. I have had extreme issue with my updated chase app not showing what my actual and current available balance is as well as the chase.com website available balance having the same issues as the app
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I had paid off the balance of a credit card, before closing an unused PO Box , but apparently a small balance was left. ( I have yet to receive a statement ) I was not aware of this balance until a potential employer asked me about an account " charge-off '' and ultimately turned me down for employment because of it. 

I attempted to contact the creditor by phone, but could not get calls returned. Finally, in XX/XX/2020, I was able to make a trip out to the HQ office, but was told I could not see anyone about it, that I had to go to a 'branch '. I did. They called HQ and got instructions for payment. I made the payment in the office through an automated teller. There was much confusion about how to pay a 'closed account ' but the representative assured me he would follow up with HQ and said that the credit reporting service should update my account to paid rather than " charge-off ''. Since the end of XXXX, I have filed disputes with credit bureaus who are still reporting the chargeoff. Each time, the dispute comes back with no change to the 'chargeoff '' status. 

Can you please help getting this lender to correctly report that I PAID the account when I became aware of it. 

Thank you.
Product: Credit reporting or other personal consumer reports

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I disputed a XXXX year old collections account through Equifax , as it was beyond the legally allowable period to report to the credit bureaus. I initially received a response that the item was deleted from my credit report, so I considered the matter closed. As of todays date ( XX/XX/XXXX ) almost 2 months later, Equifax is reporting this aged out account to XXXX as well as XXXX XXXX as an open collection that is currently under dispute, despite having been investigated and deleted back in XXXX. 
This is an enormous problem for me, as we are in the process of obtaining a mortgage, and this lone collection account being reported to XXXX is suppressing my qualifying score up to XXXX points. I reached out by phone directly to XXXX who updated my credit report as of XX/XX/XXXX and confirmed that the information being reported was obtained directly from Equifax as of the same date. They advised me to contact Equifax and request that the matter be escalated, as it is not within their scope to remove any items being reported by independent bureaus. 
I immediately contacted Equifax by phone, and spoke with 3 different agents in different departments who essentially said sorry theres nothing we can do because we dont even see this account on your report. I specifically asked them to escalate the issue to have someone higher up investigate the problem and he flat out told me we cant do that. Theres nothing we can do. So now this inaccurate reporting is putting my mortgage approval in serious jeopardy, or at the very least going to leave me paying substantially higher interest due to a difference of +/- XXXX points on my XXXX score since this is the only collection appearing on my account that puts me currently at XXXX instead of +/- XXXX which would qualify for the lowest possible interest rate on my loan. Equifax seems to be content just letting this go without putting ANY effort into figuring out how/why an aged out derogatory collection account that was supposedly deleted 2 months ago is still reporting to multiple 3rd party companies as an open collection currently under dispute. This will undoubtedly result in financial harm if not remedied IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I attempted to try and settle my account with XXXX XXXX or Santander. They have failed to try and work with me. I have sent them Goodwill Letters to settle for what I knew I was behind prior to ME surrendering my vehicle. They did not initially want the vehicle back, they were trying everything to get me to keep the vehicle. At the time when the vehicle was purchased I was in need of a vehicle and they were just about the only place I could get a vehicle from without a high down payment. I thought I was able to manage a {$470.00} car payment, and I kept asking the sales rep, could I get the vehicle refinanced after 6mths or so t lower the payments or interest on the loan of the car. I was told yes, but after contacting XXXX XXXX I finally realized that I would need to keep the vehicle a complete year before I could think about refinancing. So that's when I realized it was either me lose my place or lose the car. I decided to call them and surrender the vehicle. They stated they would sell the vehicle at an auction. I believe it was sold for $ 10,000-11,000. According to a my credit report. But after that they never contacted me to work anything out. Now here a year plus later, they are damaging my credit ratings to the point I can't get loans or anything because it s sitting there reporting derogatory things. Every month the balance goes up and a comment is posted to my credit. This company would rather damage your credit rating than work with you on settling the account. And then another thing, they never tried to contact me anytime after the sell of that vehicle. I never received any mail from them, no phone calls or anything with settling the account. I also was not informed that XXXX XXXX was now owned by Santander until some recent post popped up on the internet. But they want to be know as a good and honest company who works hard for their customers. That is a lie, they work hard for themselves and no one else. Long as they getting your money and your credit rating that's all that matters. My advice to anyone who is the market to buy a car, DO NOT GO TO SANTANDER OR XXXX XXXX. They are nothing but the XXXX, and they do not care about you.
Product: Debt collection

ABC Financial  charge a {$20.00} " Insufficient Funds Fee ''. I called them the same day to offer an alternate form of payment since the credit card on file was reported lost. They refused to run another card on the due date and proceeded to charge the fee anyway. This company rips people off and hides behind fine print in a gym contract. I have asked to sign a new contract that eliminates the fee and they have refused. I do not believe what they are doing is ethical or legal.
Product: Checking or savings account

My business account has been forcefully closed by Bank of America because they assumed I was misusing my account as a fraud. I am a business owner, and I am having an issue to pay off the IRS tax, rent and employee paychecks, so I lend money from private companies. Also, I had my husband, who is living in XXXX, send me money for my child 's college tuition around the same time. The bank gave me a call two days ago, and just told me they will close my account due to fraud. I tried many times to explain where the money deposits are coming from, but they are not interested to hear about it. By this incident, I am having more financial issues since I can not withdraw nor use my bank account. Multiple checks I used to pay my rent and other expenses are now bounced, and I am responsible for paying all the fees, and my employees can not deposit their paychecks. I already lost two of my employees because of this incident. The bank said they will give me a check for the balance, but it will take longer than what I hoped. I need to pay for all the scheduled payments, nor I will ( and already have ) have many problems financially and legally. I want to prove that my account is not involved in any fraud, and not be responsible for the bounced checks and late payments that were caused by this incident. Please help.
Product: Mortgage

I deal with Jpmorgan chase with my mortgage company. I am currently and have been in a chapter XXXX bankruptcy for 3 yrs and have some mortgage payments in the bankruptcy. My credit score is finally where I can refinance my house and pay my bancruptcy off. I have been trying to refinance my house for 2 years with a different conpany and no matter how much i do right with chase they have my account say something different. I just recently had a confrence call with a woman to verify my account was on current and when the next payment was due the last step I needed to refinance my house. And chase told her I am 3 months behind and my monthly payment is {$200.00} more a month then what I pay. And that i have sum random money just sitting in my unapplied funds account??? I havent known whats gone on with my account for yrs and i can see in my records that i am paying for things in my bankruptcy twice. Chase refuses to give me any statements, or payment history as they claim that my attorney is the only one who can have access unless he says other wise. However, per my bancruptcy court documents it states my monthly payment amount and that I am to be receiving my statements my history of payments anything I request as if I am a regular customer. But everyone I ask I am refused. So now in order to refinance my house I need to get my payment history to present to the loan company who has pre approved me for a loan that my payments are current and everything is good, and hope that that will work. I am now almost out of my window of being able to refinance because my only income is XXXX and child support and my children are getting older and I am going to start getting turned down because there child support will stop soon. Chase has managed to cause so much stress in my life over this, I 'm trying to help fix my situation but chase ... they are making it worse. I would also like to know why I paid my escrow shortage thru my monthly mortgage payments and have came current on that but the escrow money is also being collected thru my bankruptcy.?