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

Jefferson Capital and XXXX XXXX Credit Card settled my account assuring me it would be removed from my credit report. I was deceived into paying off my account. The Credit Bureaus says now they won't remove XXXX XXXX Credit card from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : 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 The aforementioned accounts have 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: Debt collection

I noticed fraudulent accounts on my credit report that are affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX, and my father, he had an home in XXXX ... ... we have the same name, the only difference will be XXXX ( him ) and XXXX ( Me ) ... ... .. 
they keep putting this " XXXX " address on my credit report and i call in, and they remove it, and it re-appears again a week later, i did call them again and they keep just deleting it, then it re-appears again, ugh, so frustrating. 
I request that they solve it and possibly block it from re-appearing ever again. 
please have them call me to discuss exact details ( to ensure the correct wrong address is deleted )
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since 1998. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX XXXX incomplete reporting of my credit card status. Over a year ago, I paid off this credit card in full, reducing the usage to 0 %. XXXX XXXX inaccurately reported this to XXXX, XXXX and Equifax, where the account remains inaccurately reported in bad standing. The reports all show different things which is unacceptable and unprofessional. 

Complaint Basis : Under the Fair Credit Reporting Act ( FCRA ), information furnishers are required to report accurate and complete information to all credit bureaus. XXXX XXXX failure to correct this information on XXXX and Equifax violates this requirement, which has impacted my credit profile and potentially harmed my financial standing. 

I request that XXXX XXXX promptly update the status of this credit card on XXXX and Equifax to reflect that it is paid in full, with 0 % usage. Please confirm that XXXX XXXX has completed these corrections on all bureaus. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have been a customer of Wells Fargo for about 3-4 years now. And over the past two years they have allowed charges on my account to be processed without sufficient funds being in the account. I have been charged {$30.00} for each transaction. As I stated to the few representatives I spoke with. I never signed up for over draft protection or authorized the bank to process charges on my account without adequate funds to support the transaction. They have admitted to their wrong by sending me a {$50.00} dollar cashiers check. If that is the case I feel that I should be reimbursed for every over draft protection fee that I had to pay. Not only did they collect these charges from me during a global pandemic, but they have not called me with a resolution. I recently received a statement in the mail and Im not sure if they have removed the negative account balance but to get to the bottom of this issue I would appreciate if the CFPB intervenes on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX, PA, XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Debt collection

I filled out FTC twice with XXXX for Capital One {$44000.00} and XXXX/XXXX  XXXX 's {$1000.00} XX/XX/2018 called and spoke with a XXXX, she stated that she couldn't locate the FTC that I need to resend the FTC.Resent it again XX/XX/2018. Spoke with XXXX in XXXX stated she still couldn't locate the FTC, but XXXX put in a dispute in XXXX without the FTC stated that it came back verified with the information I sent XXXX. Another FTC was faxed on XX/XX/2018. Called XXXX XX/XX/2018 stating that they still can not delete because Capital One and XXXX XXXX had verified that it was my information with the information I sent to XXXX. I ask for an authorization number stated that the information was verified and XXXX representative couldn't provide one. A policy report was made in XX/XX/2018.
Product: Credit reporting

I have made several attempts to download my credit information from Experian an Have called them o their hotline at XXXX XXXX to no avail. I have used their direct website where you have to pay as a last resort several times after they said they made repeated attempts to reset the system for me. I have had no trouble obtaining my tranunion, and equifax reports but this is an immenense mystery toe. I made an additonal attempt to apply by phone and surprisingly the system found me, but they said they will try to send me a copy to my home address within 15 days if they can track all of my information down. In any event they will attempt to locate my info and send what they have. This Is All Surreal. I am XXXX years old and XXXX credit agencies can find me on the spot, and another does not even believe that I am an American citizen. How Is this Possible? Does Experian do their call center business in XXXX? Please help me get a copy of my Experian report. Thye call center employee aqctually told me that she cold not help me. I am working with lexington law firm to help improve my score from fair to excellent. Ineed your help obtaining my legal rigt to posess my experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX-Date of Inquiry : XX/XX/2021 XXXX
Product: Money transfers

I was scammed into buying a puppy over the internet which I paid by Money Gram {$700.00}. Then the shipper contacted me and demand {$1500.00}, then the next days demand {$1300.00} which I paid XXXX of those by Money Gram and when he demanded yet another payment of {$2400.00} I refused. Now I have no dog and no money. The dog breeder was XXXX and the shipper was XXXX Pets XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found three inquires from XXXX XXXX. The dates of the inquiries were XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not authorize these inquiries. I reached out to XXXX XXXX directly and they agreed to remove the inquires from my credit report but the credit reporting agencies have not removed them. I have attached the letter to this complaint that I received through the CFPB from XXXX XXXX regarding these inquiries.
Product: Checking or savings account

My wife and I had a bank account with USAA Federal savings Bank starting in XX/XX/XXXX. On XX/XX/XXXX, both my wife and I could not log into our accounts. We called USAA and all they could tell us on a recorded line was that they closed the accounts. We had over {$10000.00} in the accounts combined and several fraud claims they were refusing to investigate. We have retained an attorney to file a lawsuit to recover the funds accordingly.
Product: Credit card

I needed to get a new card from Capital One because someone else tried to charge something on my card. To get the new card, they needed to authenticate it was me. So they sent a one-time code in a text. Then the representative read off terms ( I never saw a written version ) that I would agree to give the credit card company permission to have my cell phone carrier give complete access to all my cell phone data from that point on. I am an attorney, so I recognized exactly what they were asking me to give them. I doubt most people would know since it was legal jargon that was quickly rattled off. Only when I said no numerous times ( over a dozen times ) and said this would end my relationship with this company did they provide a different method to authenticate myself. From my perspective, this is a blatant attempt to violate my privacy and a clear UDAP violation.
Product: Student loan

An early payment made XX/XX/2017 was misapplied across the board to all my loans instead of first to interest & then to specified loan w/ the highest interest rate. The amount being paid was the amount quoted by Fedloan Servicer to fully pay off one of the highest interest loans ( 6.8 % ). First of all, they quoted an incorrect amount which included interest on a loan that had been paid off the day before. Asked Fedloan ( on phone ) to correct it. They required request in writing ( sent XX/XX/2017 ). They failed to fix error as my letter lacked dob ( which phone rep did not say to include ). On XX/XX/XXXX, my mother called to ask why error was STILL not fixed. They told her to have me re-submit letter with dob ( which I did immediately ). I want their error corrected prior to 1st payment being collected XX/XX/2017. They say it will take 3-5 days to read my email & up to 15 business days to make correction. The level of incompetence is ridiculous. Today they email -- not to say they 've finally corrected their error of XX/XX/2017 -- but rather to say, " Our records indicate you were in contact with our office on XX/XX/2017 and received assistance regarding the inquiry in your email. If you require additional assistance, please respond to this email. '' IS THIS A JOKE? Do they even READ the emails students send? The error is STILL not fixed & they want me to start over? Once they take my first payment next week by direct debit, the error will be compounded. This is cruel & unusual punishment. I 'm trying to make payments! Can I switch to a different loan servicer due to the incompetence of this one?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX, XX/XX/XXXX - XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.
Product: Mortgage

XXXX XXXX XXXX  XXXX XXXX XXXX, a subsidiary/partner of XXXX XXXX XXXX  was the settlement agent for my refinance. I have requested proof of actual repayment of the mortgage loan. They have not provided proof and I have not received a cancellation of the mortgage. They have recorded a new mortgage without cancelling the old mortgage.
Product: Debt collection

Despite my three written requests, the unverified items still remain on my credit report in violation of Federal law. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. You have yet to provide me with any original consumer transaction documentation with my signature on it.
Product: Consumer Loan

To provide some background, we have owned or leased a Hyundai Tucson since XXXX. On XX/XX/XXXX we turned in a Hyundai we had leased since XXXX ( account # XXXX ) and decided not to re-lease or purchase a new car at that time. When we turned the car into Rogers Hyundai in XXXX, XXXX had looked the car over and stated he saw no major issues, and said we would be hearing from Hyundai. Over the next few months we heard nothing from Hyundai but in XXXX began to receive calls from XXXX Associates, a collection agency. They would not identify why they were calling until we provided them with information about us, something we will never do in this type of situation. We instructed them to send to us what information they had and on XX/XX/XXXX received a letter from XXXX Associates stating that he owed Hyundai {$1300.00} but with no breakdown of what this was attributed too. On XX/XX/XXXX I spoke with XXXX in Hyundai 's Recovery Department, explained the situation, and he said he would have a detailed bill sent to me. On XX/XX/XXXX we began to receive calls for XXXX again, in fact they also called my wife and my wife 's brother, demanding payment from them and being extremely rude. Since we still had not received anything from Hyundai this prompted me to again call Hyundai 's Recovery Department today where I spoke with XXXX who also said she would send a detailed bill as well. Based on our history with Hyundai over the past few months, I felt the need to bring this issue to your attention before it escalates further. Just so you know, we have an excellent credit history with no issues during the three year lease term we concluded in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 I contacted the following Credit bureaus Experian, and XXXX by U.S. Postal Service Certified Mail Receipt. 

At that time I requested all documents that they used to verify the following inaccurate accounts that they placed on my credit report. XXXX XXXX XXXX XXXX ACCOUNT NO. XXXX AND ACCOUNT NO. XXXX on Experian credit report this action was taken on XX/XX/2022. Also on my XXXX credit report account no : XXXX. 

I was instructed by the credit bureaus Experian, and XXXX to contact the creditor XXXX XXXX directly and request these documents that were used to verify these accounts, upon speaking to the Experian representative XXXX he explain to me that there were no documents that the Creditor just called and requested that the accounts be reinserted to my credit file and it was placed back on my file this is a BIG .... VIOLATION, no proof or documents were ever presented, this is FRAUD in the biggest way by the creditor and the credit bureaus. 

I also reached out to the creditor XXXX XXXX and requested all documents that they furnished the credit bureau to certify these accounts. XXXX XXXX, Experian and XXXX never responded to my request they never furnished any documents that prove these account were verified .... they are both in violation, they both failed to furnish me with the so call documents that they used to verify these accounts. 

According to the FAIR CREDIT REPORTING ACT SECTION 15 USC SEC 1681 ( A ) states that if you can't provide proof .... these accounts must be deleted I request that these accounts be deleted if they are not 100 % accurate. No proof was ever provided from the creditor nor the credit bureaus Experian, and XXXX so these accounts must be deleted.
Product: Credit card

A fraudulent XXXX XXXX business credit card through Barclays was opened in my name with what was obviously a fake business name of XXXX. I feel this might have been an inside job. How otherwise can a business credit card be opened without any supporting business documents? Also, before the card arrived in the mail and I was aware of it, there was a {$10000.00} transfer made to another company.