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

I am a victim of identity theft and I have been trying to resolve the effects of this on my credit file. I currently have 2 accounts that are reporting on Experian that they claim have been verified as accurate despite the numerous documents I have supplied to show otherwise. I have even contact the data furnishers and they have stated they have never had this account disputed as fraudulent. I have since sent a request for validation and verification that the accounts are indeed mine to include the methods of verification/validation and any people contacted. I contacted Experian to confirm they received my documents and spoke with " XXXX in the fraud department '' as that is the only information he gave me. He stated that he did not see my dispute even though I have proof my fax was sent successfully. I have since uploaded the request for validation/verification and am also reaching out to the XXXX, CEO and Attorney General until this is rectified. Both of these items were deemed fraudulent previously and deleted from my credit file but then added back onto my credit file without notice.The fraudulent accounts are XXXX and XXXX XXXX.
Product: Checking or savings account

Two separate accounts in BBVA personal XXXX XXXX XXXX XXXX account # XXXX /Business account XXXX XXXX XXXX Account # XXXX Business account had a merchant debiting the account without any permission. Business account went into insuffient funds. BBVA said there was fraud on the business account .BBVA took money out of may personal account writing a credit check and depositing it in my business account, all money, {$12000.00} the business accounts insufficient funds including the bank fees totaled {$2100.00}. labeled as fraud .After my personal money was credited in the business account the bank, BBVA , paid the {$2100.00} and then " Force Debited '' the business account to zero, taking {$9800.00}. The bank did not have my permission to write a check out of my personal account and deposit it in the business account.. Before the account went into insufficient fund status, because of automatic debiting, I went to the BBVA bank branch and informed the branch manager, XXXX AZ ( XXXX XXXX XXXX. 
See attached for more clarification information and dates.
Product: Checking or savings account

Sent XXXX for transaction payment. Delayed Vendor account closed having same issue. They called their institution and money shouldve rejected and bounced back. Cant do anything because payment is pending on my end and has to clear before I make a claim
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Incorrect Information on Credit Report Dear Experian Support Team, I am writing to formally request the removal of incorrect information on my credit report concerning the following account : **Account Name : ** XXXX XXXX XXXX Number XXXX ** XXXX **Address : ** XXXX XXXX XXXX, XXXX XXXX, SD XXXX **Phone Number XXXX XXXX ( XXXX ) XXXX The provided contact number, ( XXXX ) XXXX, is not in service, making it impossible for me to reach the company. Given this, I respectfully request that the inaccurate entry be removed from my credit report. 

I appreciate your prompt attention to this matter and am happy to provide any additional information if needed. Please do not hesitate to reach out.
Product: Debt collection

I have contacted Wells Fargo and havent received a response to verify identity to proceed with complaint that has been submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my Experian credit report that I successfully disputed and had removed from both XXXX XXXX XXXX but Experian has refused to remove it via dispute they claim they contacted the collector and the information was accurate. I put in mu dispute notes for all 3 bureaus that the account in question XXXX XXXX XXXX XXXX XXXX XXXX is top old and meets the criteria of the statue of limitations law held in California where it originated from. Under this law it states how long different types of debt can stay on your credit report. This debt which started from XXXX XXXX XXXX is well over that stated time of 4 years. According to the information given on the credit report the collection was opened on XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed below is a loan I didnt apply or agree thats been on my report for 6 years CREDIT ACCEPTANCE CO Last reported XX/XX/XXXX {$9600.00} Reported balance Opened XX/XX/XXXX CREDIT ACCEPTANCE CO XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$650.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XX/XX/2022 XXXX
Product: Debt collection

In 2022 a person by the name of XXXX XXXX used my social security number without my knowledge in order to get XXXX XXXX to open an account at XXXX XXXX XXXX XXXX TX. She did not pay her bill and owes {$380.00} according to Waypoint Resource Group debt collection services. After verifying that the account is indeed fraudulent with XXXX XXXX and Waypoint Resource Group, XXXX has refused to remove the address of this person and has refused to remove the debt. I have submitted police reports from XXXX XXXX here in Texas which are available via public record. I have submitted the Consumer Financial Protection Bureau case with Waypoint Resource Group. I also submitted an email via Waypoint Resource Group confirming that this is indeed fraud and should be removed from my account. XXXX has replied that my police report doesn't look valid even though it has come directly from the XXXX XXXX Sherriff 's department and will not acknowledge that Waypoint Resource Group has stated that the debt is fraudulent and not mine. I have spoken with numerous people from the fraud department to remove the debt and after following all of the requested protocol, the debt and fraudulent address. I have done everything that has been asked of me and have more than proven my residence and identity. I need the fraudulent debt to be removed as I have requested, Waypoint Resource Group has requested, and XXXX XXXX has requested. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute with Equifax XX/XX/21 and the confirmation number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, to whomever this may concern, XXXX has violated my rights according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I informed them that they're reporting both fraudulent and inaccurate accounts on my credit profile and they are yet to respond to my letter that was sent well over 30 days ago. XXXX isn't taking me or my credit report seriously at all and it's crippling my credit scores and my credit worthiness. I find it extremely unfair that I'm being punished for there mistakes.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( S ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND PORTFOLIO RECOVERY ASSOCIATES. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. THERE IS NO WAY ANYTHING CAN COME BACK AS VERIFIED FROM YOUR INVESTIGATION BECAUSE YOU CAN NOT PROVIDE THE ORIGINAL CONTRACT WITH MY WET SIGNATURE AND ID.
Product: Payday loan

I contacted ad Astra initially to verify the debt via certified mail. They did not give me any paperwork stating that the debt was verified as mine and the collection went on my credit report without verification. Months later the money I owed was automatically withdrawn from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violation Experian took more than 30 days to send me there report, were disputed on XX/XX/2018 I never receive any file back from them.
Product: Credit reporting

I noticed some inconsistencies on my credit report : 1. XXXX XXXX XXXX - Account # XXXX 2. XXXX. - Account # XXXX I did dispute them XXXX XXXX, 2016 USPS XXXX XXXX. Response = Verified XXXX XXXX, 2016 USPS # XXXX. Response = Verified XXXX XXXX XXXX, 2016 USPS # XXXX. I sent a request for their Method of Verification. 

They did not respond at all. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you MUST provide me a description of the procedure used to determine the accuracy and completeness of the information. 
They did not do so.
Product: Student loan

Keep trying to get on an income driven repayment plan. They put my loans in forbearance and I can't find where to apply. I've asked multiple times to send me the link. I get a link but then can't find where to apply. It's just a link of f.a.q.s
Product: Money transfer, virtual currency, or money service

Problem with PayPal : when I set my preferences for online payment to withdraw from checking it does not clearly do so. Transactions are then executed from wrong source, overriding consumer intent. 

In settings, I have " Your preferred way to pay '' set to withdraw funds from my bank checking account for online purchases. On XX/XX/24 I made a purchase for {$400.00} using PayPal. Unfortunately, because of a misleading interface design, my preferences were overridden and {$400.00} was taken from my PayPal account rather than checking. 

First, at the account settings panel called " Money, banks and cards '', I set my preferred way to pay to withdraw funds from my bank. After setting this, the consumer should be confidant that funds will come out of checking. It specifically states " online purchases '' here are no other warnings or indications. 

The problem is at the bottom of the " Money, banks and cards '' settings panel is another section called " Automatic payments ''. It is hidden out of view in most browser windows. Moreover, the consumer has to select and open this to manage preferences. 

This needs to be changed.
Product: Mortgage

I emailed clientcare@cardinalfinancial.com the first time on XX/XX/XXXX at XXXX XXXX explaining the situation being that my property taxes were paid at closing but they had not been paid to the county yet and I paid the first half taxes to the county myself in error because I forgot they were in escrow. I explained that the second half is due at the end of this month XX/XX/XXXX and that I need the {$760.00} which is held in escrow for the first half tax refunded to me. 

XXXX XXXX XXXX XXXX XXXX and Virginia XXXX XXXX of Servicing | Operations both emailed me and confirmed the error and submitted payment to the county for the second half tax but neglected to address my multiple requests for a refund for the amount of tax that I paid and never provided telephonic contact info that I requested or called me as requested at the telephone number I provided. thank you for looking into this matter.
Product: Checking or savings account

Beginning XX/XX/XXXX of this year, it has been nothing but a nightmare with Bank of America. I had some fraud on my account and filed a police report. First of all, they did not send any kind of transaction fraud alert to my phone. There was a wire transfer of {$13000.00} done on XX/XX/XXXX. It was transferred to a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Come to find out XXXX  is a victim as well of this fraud ring as the account was never opened by her. Then other charges were incurred on XX/XX/XXXX for cash app for {$25.00}, {$50.00}, {$75.00}, & {$190.00}. There was also a charge incurred from the bank as a wire transfer fee of {$1000.00}. I filed numerous claims with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. They each were denied. Stating that it was my fault basically that these people scammed me. As we are elderly in the eyes of the law, my husband being XXXX and I, myself, being XXXX that is a big deal in the XXXX of Texas. I have had m daughter working on this since it happened. XXXX  has filed reports with our local municipality and XXXX  has gone to her attorney seeking help, since BofA does not want to do anything about this. XXXX  has also contacted our local news station XXXX Investigates to try and access some kind of assistance. My husband was a first responder for the XXXX of XXXX for many years and did not work all that time to make sure we were secure in our retirement for a bank that we have banked with since XXXX just to shrug us off like we are nothing. I am pretty sure that there are others out there that do not have what we have that are getting scammed the same way we have. So I am begging for your help at this point. If you could please help us that would awesome. As we have exhausted all of our avenues at this point. Quite frankly, no one can believe that BOFA has not resolved this issue in a better fashion then they have. Please advise as to what we need to provide or do at this point. Also, my daughter contacted the DA that prosecutes XXXX XXXX in our county as XXXX  was told to do by her attorney and they informed the detective that is on our case that they would help any way they could, But we have still heard nothing. Thank you for your time.
Product: Debt collection

XX/XX/2019 I sent them dispute to validate debt. 
They responded without enough information to prove the debt was owed. 

XX/XX/2019 I sent the notice of not sending me required documents I requested to validate and have not received anything since. They are still reported to the credit bureaus and increasing the balance while the debt still has not been validated Therfore they are violating my rights and giving my credit score a negative impact to establish credit.
Product: Credit card or prepaid card

Navy Federal Credit Union ( NFCU ) has offered a misleading and deceptively marketed Visa Platinum credit card. 

The promotional offer for this product lists terms that drew me to apply to the product. I have excellent credit. Additionally, I have other lending products with NFCU with large lines of credit. 

I applied to a card with a promotional offer of 0.99 % APY with {$0.00} balance transfer fee. Upon asking NFCU for a $ XXXX credit limit, rather than contacting me before approving the application to inform the product wont meet my needs, they simply opened the account at an insultingly low credit limit based on my qualifications and existing lines of credit. When asked several times NFCU refused to provide sufficient explanation. Only that I may apply for a credit limit increase in 3-6 months. This period of time would occur after the promotional period ends, and would lock me into extremely high interest. 

Im a service-connected XXXX veteran, which is a demographic particularly targeted by NFCU. Ive also banked with them since XXXX. 

I believe that this credit product is a deceptive practice to lock customers into high interest balance transfer situations. I will be gradually ending my banking relationship with NFCU.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying for the past few months to have this issue resolved.This account has been re aged and is a violation and needs to be deleted off of my report. 

XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX Experian is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX I will attach a copy of my report as proof. They are in violation i want this deleted immediately.
Product: Credit reporting or other personal consumer reports

I have entered multiple disputes with Experian for incorrect reporting that they state they found to be valid yet they refuse to show me or tell me the method they used to validate the inaccuracies on my credit report which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX FXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe the information is inaccurate.
Product: Debt collection

It appears to be a XXXX  so can't talk to anyone. They never send any information to verify the debt. So I am unsure of validity of any debt. They call usually XXXX times a day. They have called other relatives as well telling asking for me and telling them they are bill collector. They have told other family members about debt, but they never sent any letters or anything. Yet they call. 
I believe they have violated the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.
Product: Checking or savings account

My dad left me an IRA upon his death at US Bank and one at Edward Jones. I spoke with US Bank and on a number of occasions and told them I wanted it rolled over into the IRA at Edward Jones. Because my dad 's name is still on this account, according to Edward Jones, that is possible. US Bank would not do a transfer, they said something about it being too complicated and it would be easier to send me a check. I told them I did n't want to get taxed on it and if we did it this way, would I be able to roll it over into this other IRA at Edward Jones and they said yes, I would have 30 days to do so. They wrote the check out to me, I deposited it and went in to Edward Jones to write them a check, but they told me the check from US Bank had to be made out to me and to Edward Jones in order for it to roll over. Now, when I normally get tax money back from the government, I have to pay {$2900.00} in taxes because this approx. {$12000.00} in IRA money got taxed since I could n't roll it over. I called US Bank wanting to send them the money back so they could re-issue the check correctly, but I was told by my tax preparer that US Bank ca n't do that. I think they should have to pay my taxes since I made it clear to them I wanted to roll it over they clearly handled it the wrong way. When I call US Bank, I keep getting referred to the woman who told me wrong in the first place ( XXXX XXXX XXXX ). Does she not have a supervisor I can talk to? I know in filing a complaint, US Bank may contact me, but at this point, I really do n't want to talk to them. All the evidence needed should be in the notes of my phone calls to them and in the recordings of the actual calls. My contact with them first started in XXXX or XXXX of 2016. They told my sister the same thing with her portion of the IRA, but her other investing company caught the error before she deposited her check so after a number of phone calls and forms, US Bank finally re-issued her a check made out to her and to her other investing company. US Bank is saying that because I deposited my check, there is n't anything they can do and I 'm the one who signed saying I wanted the check. I signed it because they told me that is what I had to do to get it rolled over into this other IRA at Edward Jones.
Product: Vehicle loan or lease

This was in deferment and could not have incurred slow pays. Investigate thoroughly and please update for 100 % accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX Account Number # # # # # XXXX, XXXX XXXX XXXX  XXXX Account Number # # # # # # XXXXXXXX XXXX XXXX XXXX  Account Number XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Number, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXXhas 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

would like this negative balance removed XXXX. I had someone take my debit card to deposit XXXX checks and I disputed it with the bank but for some reason you guys keep making me responsible for this transaction. I was not in the country at the time of this transaction. 

Please remove This negative balance according to 15 U.S code 1681 15 U.S code 6802 15 U.S code 16815-3
Product: Consumer Loan

Our auto loan company, Regional Acceptance Corporation, calls us XXXX times per day. They also call our work and they 've been told not to. We set up payment arrangements with them but they continue to call. I also told them I work XXXX shift and sleep during the day. They usually start calling around XXXX I will attach the letter I wrote to them this morning that specifies more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED THIS COMPANY ABOUT ALL OF THE MULTIPLE INQUIRIES LISTED ON MY CREDIT REPORTS AND THEY TOLD ME THAT THEY DID NOT HAVE A FRAUD DEPARTMENT THAT THEY COULD TRANSFER ME TO. I FOUND THIS TO BE ODD BECAUSE THIS IS A HUGE COMPANY AND THEY DON'T HAVE A FRAUD DEPARTMENT TO REPORT TO IS ODD TO ME.