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

I found several issues on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), and these need to be addressed immediately : Incorrect Personal Information : My credit report lists addresses that are not mine : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX These addresses are incorrect and must be removed immediately to ensure accuracy. 
Late Payment Misreporting : My account with XXXX is incorrectly reported as having a late payment. This is inaccurate and violates XXXX XXXX XXXX ( b ), which requires credit reporting agencies to use reasonable procedures to ensure maximum possible accuracy. I am requesting that this account be updated to reflect " paid as agreed, never late. '' Unauthorized Hard Inquiries : My credit report includes several hard inquiries made without my authorization, violating 15 USC 1681b ( a ) ( 2 ). These include : XXXX XXXX XXXX ( XX/XX/year> ) XXXXXXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX  ( XX/XX/year> ) These inquiries are unauthorized and must be deleted immediately. 
XXXX or XXXX Accounts : My credit report may also contain other accounts that are either unauthorized or inaccurately reported. Reporting such information violates FCRA Section 623 ( a ) ( 1 ), and I demand these accounts be removed after proper validation. 
These inaccuracies and unauthorized entries are unacceptable and directly impact my financial reputation. I expect these issues to be resolved promptly. If you fail to take immediate action, I will have no choice but to pursue the legal remedies available to me under the FCRA, which provides for statutory damages and other penalties for noncompliance. 

Sincerely, XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$560.00} from Creditor : NATIONAL CREDIT SYSTEMS, has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the 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 instructions.
Product: Checking or savings account

My car was broken into and my checks were stolen, I did not realize that they were stolen. two checks were cashed in my name at different times for smaller amounts. When I noticed the second check, I immediately called Wells Fargo bank and reported both checks that I had not cashed as well as changed my account number and request requested new checks Wells Fargo sent me a letter saying that they could not reimburse me for the checks that were cash in my name and the money that was stolen from me because I had been so long since the time had passed. I had called one week after noticing the second check was cashed. I did not notice the first check because it was a smaller amount and it just went right along with my transactions. 


Wells Fargo acknowledge that there was a problem with my account and they changed my account number gave me a new card sent me a new checks, but they are refusing to give me the money back that was stolen from me. Wells Fargo should have noticed that the checks were not consistent with the checks that I cashed along with. It was not my signature. This is a error in Wells Fargo for not detecting that it was fraud. I am requesting to be reimbursed for the money that was stolen from me.
Product: Credit reporting or other personal consumer reports

THIS IS A REPEAT DISPUTE I filed a dispute against the account below reporting inaccurate information to XXXX XXXX, XXXX and XXXX. This account is deceptive, misleading and fraudulent. 
I C SYSTEM INC XXXX reporting a past due amount of {$590.00} This unlawful crime has caused me immediate financial harm by adverse action due to being denied any extension of credit. In accordance with my rights under 15 U.S. Code 1681o Civil liability for negligent noncompliance, the Fair Credit Reporting Act ( FCRA ). I have continuously demanded the contract and or agreement made to this company signed with my wet ink signature that legally binds me to the above debts.

I request that the CFPB take action to ensure I C SYSTEM INC complies with federal law and provide me, the consumer with the necessary proof of debt validation as this accounts is unlawful according to 18 U.S. Code 894 - Collection of extensions of credit by extortionate ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( XXXX ) to collect or attempt to collect any extension of credit, or ( XXXX ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means.

( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.

Also to include The statute of limitations for debt collection is covered in Maryland Code, Courts and XXXX XXXX XXXX.
Product: Credit card or prepaid card

The company name Is. Bank of America, ( XXXX ) someone withdrew. {$1000.00} from the atm in XXXX XXXX than another {$1000.00} in ( XXXX ) than another on ( XXXX ) {$1000.00} the total amount $ XXXX have spoken too many times to the claim department for the evidence that they claim they have on file I have requested for them to send me the evidence 3 times the most recent is ( XXXX ) they say they send it but I have not got anything from them, I also submitted to them my passport and a police report and they keep denying my claim, they close it and still have not send me anything I have told them multiple times that it's not me and at this point they are denying me of my rights for the documentation that they say they have because it's not me and I keep telling them that but they said that they don't communicate with the back office nor they don't communicate with the detectives were I submitted my police report so how do they keep denying my claim it makes no sense it's been a month and still nothing I am a XXXX mother who got her money taken away and Bank of America is not doing their job properly I need additional help, all the calls get recorded and if you are able to listen to my conversations with them you will see that I had to communicate with two supervisors already from the claims department because they have not send me my evidence and some of the claim department people were so confused that they kept on not submitting the correct paperwork that I needed, I have never experience such unprofessional communication I wonder how many people Bank of America have done this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help to rectify this matter. Several months ago, I noticed many mistakes as I inspected my credit report. I immediately reached out to XXXX, Transunion, and XXXX, requesting the investigation of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. I have mailed out XXXX dispute letters to the credit reporting agencies. All mail has been sent certified, and USPS tracking has confirmed that the mail has been left with company agents. I have informed the credit reporting agencies that they are reporting a plethora of inaccurate information. I made sure to include a copy of each credit report, with highlighted information indicating what needed to be investigated, as well as with the reasons as to why. I also informed them that the information being reported amongst them is very inconsistent and contradictory in comparison to one another. To this day, I have XXXX indication that an actual honest and ethical investigation was ever conducted on my behalf. Still to this day, I have no communication that my dispute was being handled or processed. I never received any credit reports reflecting any investigation results, -which I requested within each dispute letter. There has been XXXX correspondence altogether. Why are they are failing to help me, or respond to me? This is not fair! The credit reporting agencies did not follow 15 U.S. Code 1681i, which details the steps they required to follow in the case of disputed accuracy. The furnishers listed above violated 15 U.S. Code 1681s2, which prohibits furnishers from reporting information that is believed to be inaccurate by the consumer. The furnishers never followed this rule and continued reporting during each and every dispute! Furthermore, my right to privacy is being violated. 15 U.S. Code 1681 states that credit reporting agencies have a grave responsibility to be fair, as well as respect my right to privacy, and 15 U.S. Code 6801 states each financial institution has an affirmative and continuing obligation to respect my privacy, as well as to protect the security and confidentiality of my nonpublic personal information.That is not happening! My private nonpublic data has been compromised, and is being shared with nonaffiliated third parties without my expressed consent! None of these financial institutions clearly and conspicuously disclosed to me that my information would be reported/shared, or provided me with any options to opt out of reporting, which is in violation of 15 U.S. Code 6802. I never had the chance to exercise my rights. No consent is merely identity theft! Their careless actions have caused me severe harm and inconvenience.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX  score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 3 agencies XXXX, XXXX and Transunion are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

By this means I resort to the help of your agency to solve what to my best understanding the credit agency Expirian to erroneous in my credit report. In my credit report there are several accounts which are XXXX  years old and continue to affect my credit and affect my quality of life and good living in union with my family. These accounts are as follows : XXXX, XXXX XXXX, XXXX where they are closed. 
Expanding this request I inform you that for the date of XX/XX/XXXX my car was repossessed by the XXXX XXXX that this vehicle was never recovered by me. In XX/XX/XXXX the car changed the code to XXXX which stands for Change Of. In XX/XX/XXXX until XX/XX/XXXX it had a code of N-D that means, No data for this period. In XX/XX/XXXX until XX/XX/XXXX I had a XXXX / XXXX code. That the XXXX car was repossessed by the XXXX XXXX in XX/XX/XXXX, that said company disposed of the car and processed it from that date under its responsibility. That all those retracted arrears and code changes were not under my control. Apparently that account was acquired by a second person and the Expirian credit agency seeing their code could not amend their errors where it affects me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was once again a victim of identity theft, and this is yet another request to erase things from my credit file as a result of suspected identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), CREDIT BUREAUS is required to remove all inquirieswithin 4 business days of receipt. Furthermore, the information provided on some inquiries isUNKNOWN to me and REMOVED from other bureaus, and I have reservations about its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX sent us first notice on a final bill from our sold Florida residence on XXXX XX/XX/2020. It was paid immediately, and XXXX XXXX confirms this. The balance is XXXX 

On XXXX XXXX, the bill was erroneously sent to Credit Collections Services, which XXXX XXXX admitted should have never happened. Credit Collection Services then proceeded to double the bill to {$870.00}, and refused to acknowledge that it had been paid. They have been rude and abusive to us. They reduced the balance in half, but it still remains at {$430.00}!
Product: Checking or savings account

On XX/XX/year> some one used my info and withdrew XXXX from my account. I disputed with Netspend and they responded XX/XX/year> and denied my dispute saying... Based on the information we had and the facts of our investigation, we found no error occurred and that the transaction ( s ) listed above are valid. The reasons for our determination include, but are not limited to : No pattern indicating fraud No evidence of account compromise No evidence of device compromise... 


It is fraud because I didn't conduct or authorize this transaction. 
My account email is XXXX XXXX
Product: Credit reporting

I have disputed XXXX different XXXX accounts with Equifax asking that the collection company prove the following : Right to collect Verification of debt through a 1st Party on not a 3rd party online system Original promise to pay with Signature Equifax is not actually investigating this they keep sending the same records of previous statements to me accepting those as proof of the verification. This does not prove that they have the legal right to collect or that the account is accurate, or its originality. This is not the proof of verification that is requested. XXXX has already deleted these items because they were not able to verify as the law states that they must. 
Equifax will not fix this and I do not have the funds to hire a lawyer to make them do what they are suppose to.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately 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

My credit history, and personal information were comprised by Equifax during their security breach on XX/XX/XXXX. They did not report the security breach until XX/XX/XXXX. 

I am attempting to place a 90 day fraud alert on my credit file, but due to the massive number of compromised files, I have been unable to do so at this point. 

In my opinion, Equifax has placed consumers at risk by waiting more that a calendar month to report the security breach. It has caused consumer tools to be overloaded with requests from those whose identity 's are at risk, and is, in my opinion, unequivocally irresponsible. In addition, I have read that high level Equifax executives sold nearly XXXX XXXX dollars worth of stock without disclosing the sale to the public, after the breach was discovered, but before it was announced to the public. The sales were not listed as a part of XXXX scheduled trading plans, indicating that the executives may have acted in response to the security breach. 

To me as a consumer, this is unacceptable behavior for a company with records of personal data. This event has placed millions of Americans at large financial risk, and appears to have directly benefitted Equifax executives. In addition, Equifax is a company I have never chosen to do business with. My identity is likely compromised as a result of the business decisions of other credit vendors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there were unauthorized accounts being reported as debt to my credit.
Product: Checking or savings account

On XX/XX/2016 a Wells Fargo - California Bank account was opened under my identity. With an amount of {$540.00} being withdrawn or spent. I never opened up this account, this is very inaccurate, and believe was fraud. The email is mines, never got any type of notification, phone number is not mines, never had it, nor have I lived at the address it was opened under.
Product: Credit card or prepaid card

My XXXX card was converted to a Goldman Sachs XXXX, between XXXX and XX/XX/XXXX. I was not concerned as I had XXXX savings accounts with Goldman Sachs and had dealt with them previously. 
Through my bill pay i made the following payments, and Goldman Sachs accepted them, XX/XX/XXXX - {$20.00} ; XXXX XXXX - {$100.00} ; XXXX XXXX - {$25.00} XX/XX/XXXX - {$25.00} XXXX XXXX {$25.00}, XXXX XXXX {$100.00}, XX/XX/XXXX, XXXX {$25.00} XX/XX/XXXX, XXXX {$250.00}, XX/XX/XXXX, XXXX - {$25.00} XX/XX/XXXX {$25.00}, XX/XX/XXXX, {$25.00} XXXX XXXX {$25.00} Additionally these payments were made by XXXX XXXXXXXX {$29.00} The payments not accounted for in XXXX were more extensive. 
An example of the issues are on the statement from XX/XX/XXXX to XX/XX/XXXX The following payments were finally credited- XXXX {$50.00}, XXXX {$40.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX - {$20.00} ; XXXX XXXX - {$100.00} ; XXXX XXXX - {$25.00} These payments had sat with Goldman Sachs for months , and while they had refunded the late fees, they stated it would not happen again, The following month it happened again. 
A couple of days ago, i got another phone call, my payment was late again, only the previous month i had set up autopay from my Goldman Sachs account again. Only this time i was told they had fixed the issue, because I couldn't have XXXX accounts attached for bill pay. 
I was notified i was not making payments but in reality they did not put the funds on my account. They then charged me late fees, and stopped my card from being used. They notified the credit bureaus I am consistently late and it has adversely affected my credit score. I have spent hours on the phone with the representatives, " managers '', leads all without resolution. 
Yesterday, a manger XXXX, notified me that the autopay i had set up was removed as the bank account did not exist. The account is a savings account with Goldman Sachs, and they were able to verify it existed when it was set up. She then told me they only pull from checking accounts and this was a XXXX account. I noted they had pulled a XXXX time payment from my XXXX  account with a different financial institution in the past without issue. She then said i must have had a XXXX account attached to the account. When i pointed out it did not, she got snarky and informed me I was wrong. I could only make a one time payment from savings attached to checking. 
I have spent hours and hours on the phone, and no resolution has been offered. Instead i get told i am wrong, and the fees roll in and my credit takes a hit. 
When I call I get told there are a couple notes, nothing showing all i have had to tolerate in the last XXXX  mnths
Product: Credit reporting, credit repair services, or other personal consumer reports

This account reported on my credit reports does not belong to me. Attached is a letter verifying this from the creditor. 

XXXX XXXXXXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account was deleted off of my XXXX  and XXXX credit reports but keep showing up on my XXXX report and hurting my credit score.
Product: Debt collection

I am writing, again in regards to an issue with Second Round LP. I have received a summons from the courts regarding this account. I have also submitted a letter to Second around LP requesting a proper debt validation. I am attaching a copy of my dispute results from XXXX  which has deleted this account from my credit file. I am also curious as to why the court paper work showing the debt collector as XXXX XXXX XXXX XXXX. I am requesting a proper debt validation be done. XXXX  has deleted this account from my credit file. Proof is attached.
Product: Credit card or prepaid card

I applied for a capital one credit card and I was denied for the following reason : Based on you application information, we observed activity on a prior Capital One account that is no consistent with our expectation for account usage or the terms of the account agreement. 

I had 4 Capital One account that are paid off ( 2 of them ) and the other restricted accounts have a very low balance and are the process of being paid off by the end of the month. 

I called to asked when I can apply for account or if I am permanently restricted from Capital One. The representative, XXXX, an account manager. couldn't give me any account information or how I can appeal this decision. I am trying to get my life back on track from being laid off and recently unemployed and I'm not getting an answer. 

I have been back and forth via phone and letters with the company I have not information.
Product: Credit card or prepaid card

The annual fee of {$140.00} posted to my account on the XXXX statment. I called the bank just before the due date to pay and requested to close my account. I asked to have the annual fee reimbursed, which in my understanding is the procedure that the bank is legally required to do. The representative on the phone said they would not do it because they had instituted a new policy that they don't do it. 

I just now on XX/XX/XXXX received my XXXX statement dated XX/XX/XXXX. I am not sure how it took so long to arrive but I assume they did not send it untial recently. That statement indicates an interest charge of {$1.00}. 

I have logged into the Banco Popular website and downloaded my XXXX statement, dated XX/XX/XXXX. This has not arrived in my mail. This statement indicates a past due charge of {$29.00} and additional interest of {$1.00}. The total due is now {$180.00}.