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

In accordance with the fair credit reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not fumish a eccount without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Seclion States : no consumer reporting agency may make a consumer report containing any of the following items of information Any olher ad item of information, olher than records of convictions of crimes which antedales the report by more than seven years. 
1 I want the CFPB to publish this description on consumerfinance.gov Account # : XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Debt collection

To Whome It May Concern, Comenity Bank has been trying to call me regarding my debt with a XXXX XXXX Credit Card. Whenever I answer, it's an automated voice telling me to call them back, never a real person. When I finally did speak to them ( XX/XX/year> ), I told them I had just started a new job, I don't even think I had even worked my first shift yet at that time, and I made it a point to inform them that I didn't know when that first paycheck was coming, and as a result I would try to pay it in full by early to middle of XXXX. They have been non-stop calling me day in and day out since. I got XXXX phone calls last week and it's only been XXXX days into the week and already I have been called XXXX times between Sunday ( XX/XX/year> ) and Monday ( XX/XX/year> ). They call from both Comenity Bank offical numbers as well as privet numbers. Both days, the calls start at XXXX and finally stop at XXXX ( ish ) in the evening, so they are at least following the law in regards to the time, however, I did tell them the last time they spoke to me not to spam call me like this and I feel very harrassed. It's already hard enough telling a credit card company that you lost the job, throwing in the harassment makes it XXXX times worse and really difficult to talk to them regarding my issue. I would like the calls to stop. I'm trying my best to get them the money that is owed, but this is boarderling on unethical levels of harassment. 

I am more than happy to provide proof of the phone calls as needed. 

Thank you for your time.
Product: Checking or savings account

XXXX - Fraudulent activity on Truist account. {$13000.00} withdrawn to pay unknown credit card bill, not initiated by us. In " pending '' status XXXX - Called Truist. Was told I could not talk to fraud until the money was completely gone ( past pending status ) and no guarantees it would be returned. Asked if we could put a stop payment. Was told that would work to stop payment or ensure refund, but they'd have to charge me {$35.00}. Told them that was the less ridiculous or 2 ridiculous options and agreed. Freeze put on account. Discussed that my Truist mortgage payment would be pulled that night and asked what would happen. Told there would be no issues and I had a 15 grace period to pay. 

XXXX - Fraudulent {$13000.00} returned XXXX - {$25.00} fee charged on mortgage XXXX - Went to branch to open new checking account and unlock old checking account to transfer funds to new. Discussed risk of additional fraudulent activity but necessary to transfer funds and wait for direct deposit to transfer to new account. Discussed strategy of keeping at {$0.00}. {$35.00} stop payment fee waived. 

XXXX - Called branch. {$25.00} mortgage fee waived. All money transferred to new checking account per discussion, except {$71.00} to pay a bill hitting XXXX. One unexpected payment hit, resulting in an overdraft. Charged 2 overdraft fees of {$36.00}. ( One was refunded on XX/XX/XXXX ) XXXX - Expected payment hit, along with another unexpected payment. 2 overdraft fees of {$36.00} charged XXXX - XX/XX/XXXX - Multiple conversations with branch about refunding the still outstanding {$100.00} in overdraft fees seeing as they new this was caused by fraudulent activity and we'd transferred funds to another Truist account. Truist declined to waive and send they'd send us to collections if we didn't pay. 

XX/XX/XXXX - Final 2 payroll checks hit the old checking account, effectively paying Truist the {$100.00} against our wishes. 

XX/XX/XXXX - All money transferred to new checking account. Old account again frozen ( could not close b/c that department was closed ). Was assured no additional fees will be charged on the old checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it 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
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explic
itly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Credit reporting, credit repair services, or other personal consumer reports

This account listed as a charge off with XXXX XXXX XXXX XXXX is a result of identity theft. XXXX first proved that the account was used to service a XXXX XXXX XXXX, a vehicle I do not or never have owned. They could not verify my address, verify a personal identification card which is required, nor did they have the correct phone number. All they simply said was that the car was registered at my address. This account was open by XXXX XXXX and I have begun legal charges against her. XXXX XXXX could not and have not provided myself or Experian, XXXX, or XXXX accurate factual data. This account is fraud and needs to be removed. I have tried to dispute this account and the credit companies have not provided me with accurate contractual data to prove this account. Therefore by law this account needs to be removed from my credit report. Unless there is a signed contract with my signature, my drivers license, and or a power of attorney provided this account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 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 a account without my written instructions
Product: Bank account or service

Chase is holding my {$5800.00} business check deposit for 13 days. That is absurd.
Product: Credit reporting or other personal consumer reports

I am writing to address concerns about Equifax 's improper handling of a disputed account on my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX account was previously deleted on XX/XX/XXXX, but was reinserted on XX/XX/XXXX, without the legally required notification or evidence. This action violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ), which mandates notification within five days of reinserted information.

Despite other credit bureaus, including XXXXXXXX and XXXX, having removed this account, Equifax continues to report it without providing sufficient verification. I have not been provided with any proof or documentation to validate the debt, nor a description of the investigation methods used. This raises concerns about whether Equifax conducted a reasonable and thorough investigation as required under FCRA Section 623.

To address this issue, I have filed a formal complaint with the Federal Trade Commission ( FTC ), citing the failure to adhere to FCRA guidelines and the reinsertion of disputed information without proper verification or notification.

I request the immediate removal of this account from my credit report and a detailed explanation of the procedures and records used in your investigation. Without adequate verification, the account must be permanently deleted and blocked from being re-reported. 

Attached are the following documents for your review : Proof of the previous deletion by Equifax and the subsequent reinsertion. 
Proof of deletion from XXXX and XXXX. 
Proof of previous CFPB complaint resulting in the removal of the account from my credit A copy of my FTC complaint regarding this account. 
Proof of address, my Social Security card, my ID, and previous correspondence with Equifax regarding this matter.
Product: Credit reporting or other personal consumer reports

Due to a XXXX data breach, XXXX XXXX data breach, and identity theft the information on my credit report is inaccuratenames and addresses. All three credit reporting agencies continue to report incorrect information. I am also fighting identity theft showing on my report with a New York address that I have never resided in this state. 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ), 15 USC 1681 S-2, 15 USC 1681 i ( 7 ), 15 USC 1692 c, 15 USC1681 B,15USC 1681 ( c ) ( c ), 15 USC 1692 J. I have written letters to all the credit bureaus and nothing has been done. I would love a resolution to these issues. The XXXX one is for an account for another person that used my information and a police report will be filed in the week to come.
Product: Credit card

I have a citibank account for XXXX XXXX credit card. The issue I had with them was the fact that I called to make a payment over the phone and to get the account in good standing with a payment plan of some sort as i was behind by XXXX or XXXX dollars, did not make full payment XXXX months. Well they offered me a XXXX dollar a month plan fori beleive 42 months, I agreed and make a XXXX dollar payment that day, the next month i made XXXX payment on the XX/XX/XXXX. The third month i made a XXXX payment on XX/XX/XXXX and was going to pay XXXX on the XX/XX/XXXX -- -payment not late till after the XX/XX/XXXX but when i went to log on to pay i could not logon so i called and they said account was sent to collection company. I asked them about the agreement and they said there was no agreement, and asked do i have it in writing. I told them they never sent paperwork but i gave them the date i called and asked could they not pull notes or andthing from that day i called, and they said no, so I am fixing to add them to a Consumer Credit Counseling Servce program I am currently in and i wanted to make sure they at least agree to terms with that program since they did not honor their agreement at first.
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. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose 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 file of the consumer, or modify that item of information, 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 file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not 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: Mortgage

Complaint against NewRez LLC c/o Shellpoint Mortgage Servicing. 
As of XX/XX/XXXX the principal balance was {$23000.00} and the mortgage does not mature until XX/XX/XXXX. I made a payment of {$17000.00} which was posted as follows on XX/XX/XXXX : {$920.00} XXXX XXXX payment not late ), {$920.00} ( XXXX payment not due until XX/XX/XXXX ) and {$15000.00} to principal. I did not complain about the posting format. 
This left a principal balance of {$6200.00}. I received my XXXX statement which is for the same amount {$920.00}. This payment does not reflect the new principal balance. I was trying to reduce my payment. if the principal balance were calculated based on time left on mortgage the payment should be less. I have contacted the lender the only way they allow which is by e-mail to no avail.Documentation attached. E-mail string attached in two different formats. Text document and Outlook format.
Product: Credit reporting or other personal consumer reports

Request for Blocking and Removal of Fraudulent Information Due to Identity Theft** Dear CREDIT BUREAUS, I would like to express my deep displeasure regarding the situation at hand. I appreciate your attention to this matter. I trust this correspondence reaches you in good health. I am reaching out to formally contest the inaccurate information that has been identified on my credit report. Regrettably, I have been affected by the XXXX data breach, resulting in my identity being compromised. I have taken the necessary steps by contacting the Federal Trade Commission ( FTC ) and submitting an official report of identity theft, a copy of which is enclosed for your perusal. Thank you for your prompt attention to this urgent matter. Sincerely, Your Name Per **15 U.S.C. 1681c-2 ( c ) ( a ) **, credit reporting agencies are required to block and remove any information identified as fraudulent within **four business days** of receiving a complaint regarding identity theft. Therefore, I am requesting the immediate blocking and removal of all information related to the fraudulent activity on my credit report. 

Specifically, this includes all accounts, inquiries, and other records resulting from the identity theft detailed in the enclosed FTC report. Upon completing this request, I expect to receive an updated credit report reflecting these corrections. 


Failure to respond satisfactorily within the legally mandated timeframe will result in a small claims action against Experian. I will be seeking damages, including but not limited to, the following violations, each carrying a statutory penalty of {$1000.00} per instance in accordance with **15 U.S.C. 1692k** : XXXX XXXX identity theft, please delete XXXX XXXX XXXX XXXXXXXX Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the fie accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date of which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX theft please delete Its a totally different account number on Experian which is note accurate across all bureaus XXXX XXXX XXXX XXXX Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the fie accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date of which the agency receives the notice of the dispute from the consumer or reseller. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, NY,XXXX. I purchased a Microwave Cabinet and it was delivered to my home. Upon arrival we noticed it was too large and did not fit in my home, the merchandise was taken back in exchange for a smaller one. That said I never received a smaller Microwave Cabinet and my bank ( chase ) continues to send me statements given I paid for this with my credit card. I have been going back in forth with Chase and XXXX XXXX  XXXX XXXX store for months and have been getting the run around. After filing a dispute with Chase XXXX XXXX XXXX XXXX stated that a smaller Cabinet was sent to my home but this is 100 % FALSE. I never received the smaller cabinet and am still paying my monthly credit card statements for a product I don't have, in order to sustain my credit score. 


Attached is the resolution they sent Chase, indicating that a smaller cabinet was delivered which did not happen. They also state that I will only be charged the cancellation fees which total {$230.00}, but the total balance they intend to charge is still {$430.00} broken down by {$340.00} for the cabinet and an additional {$90.00} for the smaller cabinet. I think its injustice to charge me this amount given I did not receive any goods in exchange. I am XXXX years old and have very limited social security income, I can not afford to spend {$340.00} on something I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freezes should be free. Fraud monitoring is insufficient.
Product: Debt collection

I was NEVER contacted by this company about any owed debt. Now I have a major derogatory account on my credit report. If I had been notified about any debt, I would've paid said debt. But I have not been notified at all.
Product: Student loan

I need my XXXX for my student loan. I checked the Federal Student Aid site and it was not there. I emailed them and they said check with my servicer. My servicer said to check with FSA. I just need the XXXX and apparently neither one has it.
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 : XXXX 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 is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$82.00} 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: Checking or savings account

This is another manifestation of XXXX, XXXX, XXXX. 

I deposited a cheque on Friday XX/XX/XXXX for {$3500.00} My account was overdrawn by bank oaf America by $ XXXX. 

On Saturday cheque was realized and account had positive balance of {$3000.00}. 

On Friday afternoon, I got a call from Bank of America saying they are closing my account and they tried calling a number XXXX XXXX XXXX and there was no response. 
Me and my wife visited Bank of America branch on XXXX XXXX and established our identity as well as they validated us by sending a text message to my primary mobile number XXXX XXXX XXXX. 

They said they will not disclose the reason they are closing the account as it was their business decision. Their business must not effect my personal finances. 

I initiated a transfer of {$3000.00}, leaving {$540.00} in my account to cover what they over drew ( i.e $ XXXX XXXX. 

They initiated the transfer at XXXX XXXX today morning as scheduled and they put a hold on the deposit I had in my account. 

This resulted in a overdrawn account of XXXX. 

They should have cancelled the transfer when they put the hold on deposit. 

Processing Transaction layer DEBIT/HOLD ON XX/XX/XXXX VIA WEB activity type debit status type icon pending Processing. Select to mark activity type debit XXXX DEBIT/HOLD ON XX/XX/XXXX VIA WEB as Reconciled XXXX XXXX Hold Transaction layer PENDING DEBIT/HOLD ON XX/XX/XXXX activity type debit status type icon hold XXXX XXXX XX/XX/XXXX Show additional information for activity type deposit XXXX BKOFAMERICA MOBILE XX/XX/XXXX XXXX DEPOSIT *MOBILE CA activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX BKOFAMERICA MOBILE XX/XX/XXXX XXXX DEPOSIT *MOBILE CA as Reconciled XXXX XXXX Details of hold : -- -- - Forwarded Message -- -- - From : Bank of America Alert XXXX To : " XXXX '' XXXX Sent : Monday, XX/XX/XXXX, XXXX XXXX PDT Subject : We placed a hold on your recent deposit Bank of America. 
We placed a hold on a check you deposited by Mobile Check Deposit. The full amount isn't available yet. 
PERSONAL CHECKING/SAVINGS ACCOUNT ending in XXXX Total deposit : {$3500.00} Total amount on hold : {$3500.00} Date of deposit : XX/XX/XXXX Hold Details Amount on hold : {$3500.00} Hold reason : A hold was placed on your check ( s ) because check specific information indicates item may be returned. 
Date Available : XX/XX/XXXX by XXXX XXXX