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

I am writing to formally request that you block and delete the account listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Account : XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal credit union continues to attempt to reinsert fraudulent accounts onto my consumer reports and credit files. First of all I provided Navy Federal with my Law Enforcement Identity theft affidavit that clearly and explicitly explains that I am a victim of identity theft. Furthermore my wallet was stolen and Navy Federal allowed two credit cards to be opened in my name. I never received any credit cards, nor membership information, nor anything about these accounts in the mail since my mail had been forwarded and email addresses also hacked after my wallet was stolen. I tried reporting these accounts to their security department which told me that they believe I opened these. I advised I definitely did not. I also explained I never signed any membership packet, because I never received one. I never received any of these credit cards nor did I ever sign for these. The security representative then proceeded to threaten me, threatening violence and also action against me. He told me he would come to my house, and then told me that he would burn me down to the ground that he was a law enforcement officer. I hung up, and I feel physically threatened and scared to call back. Additionally their customer service rep told me that the one account is supposed to be {$15000.00} limit and navy federal additionally falsely reported this again as a {$25000.00} limit. Again Navy Federal hasnt provided any information. I did not receive these cards, and I did not open membership with their institution.
Product: Credit card or prepaid card

Received and email from Bank of America stating that I have been approved for a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, along with a secondary email asking to confirm my email. I believed this to be Spam but then received a text message " welcoming me to Bank of America '' with a link. The email stated if it this was suspicious activity then forward to XXXX which I did. I then reviewed my credit on XXXX where I saw a hard inquiry from Bank of America in XXXX XXXX, TX on XX/XX/22. I phoned XXXX to put a fraud alert, disputed the inquiry, and phoned Bank of America because this was not an inquiry I requested. I believe someone is using my information to apply for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I mailed two extended fraud alert packages to Equifax, on behalf of myself and my wife. ( We already have temporary fraud alerts on file with Equifax. ) I sent the application forms, two forms of acceptable identification ( for each of us ) and a copy of the filed police reports. Today, XX/XX/XXXX, I checked to see if the Extended Fraud Alert is on my account. Not there. The first representative I spoke with game me a different zip code than what is on the form I downloaded from the website. I asked to have the extended fraud alert place in effect via the phone call. He, and his supervisor said it can't be done. That, I have to resend the documents. 

I'm not a happy camper because my wife and I were victims of the Equifax breech in XXXX and now the company can't even make sure the mailing address on their Extended Alert Form is correct. By the way, the only difference is in the extended part of the zip code. 

The USPS hasn't returned the two separately mailed applications back to us which makes me believe that in spite of the wrong zip code on the zip extension, the packages were delivered. If yes, the company can not account for the two packages. That's a problem because who knows where our information is. Frankly, this company that controls so much information falls short on the consumer service end. Why must I have to resend the packages because of their mess up?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter a month ago and I have yet to be notified of the results of my disputes.
Product: Checking or savings account

I deposited a check in my account on XX/XX/2022 in the amount off {$950.00} at a Wells ATM before the daily deposit cut-off time and the transaction posted on XX/XX/2022. Hence, I expected use of my money on XXXX, as a prior ATM deposit on XX/XX/2022 in the amount of {$1000.00} from the same maker was correctly credited the next business day without any hold. 

When I called the Wells toll free customer service number I was told that the funds were being held for review until XX/XX/2022 due to the banks difficulty in getting funds from the makers bank, so Wells Fargo is basically saying that the makers check did not clear, which I know not to be the case but will verify within the next few hours. Holding funds unnecessarily and following that up with direct false statements to your customers is no way to run a bank serving the XXXX public.
Product: Credit reporting or other personal consumer reports

Every month for the last two months I have been receiving collections calls about my payments being late or missed when they are not. I have blocked these calls and have asked several banks to contact me back to discuss as hold times are beyond ridiculous. I leave messages for the offices in XXXX and no one returns my calls. I show on my XXXX and XXXX payments are received on time and account status is good standing. I see my Transunion credit report and I show XXXX payment as late when it is not has never been late and I want this updated at once as this has dropped my score down XXXX plus points!!
Product: Student loan

I make monthly payments on my student loans. The payments are made out of my mother 's account by auto debit each month. The payments come out of the account each month between the XXXX and XXXX of each month. I have never missed a payment yet the servicer Navient did not apply my XX/XX/XXXX payment. I 've called the servicer Navient several times, talked to various customer service representatives, provided the bank records they requested to show we made the payment, and yet the servicer Navient has not applied the XX/XX/XXXX payment and has failed to even follow-up with me to explain what happened or even whether they 're looking into the payment they did not apply. I 've had to repeatedly call them to remind them of this payment they did not apply and to prod them to resolve this issue.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXXXXXX Balance {$4300.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a car payment account under an open end consumer credit plan as late for any purpose. " Yet I see that there are " late payments '' being reported on my consumer reporting file which is severely impacting my ability to be extended credit and damaging my reputation. 

According to the Fair Credit Reporting Act reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. Therefore the reporting of said late payments is not only against the law, but you're voluntarily doing so Whether knowingly or unknowingly, you're voilating my rights as a consumer and you are hereby being given notice to correct your wrong doings.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 cause to believe that the information is inaccurate.
Product: Checking or savings account

I tried to open a bank account and there were several accounts opened that opened outside where I live. I live in California. Consumer # XXXX, XXXX  XXXX  account was opened on XX/XX/year>, XXXX XXXX  was opened on XX/XX/year>, there was a fraudulent deposit in my account of {$18000.00} to my XXXX  XXXX account back in approximately XX/XX/year> which caused to closed when I had no knowledge of it until XXXX  XXXX called me i called XXXX  XXXX they didn't help me. I closed XXXX bank, and contacted XXXX  XXXX. Still can't open a bank account.
Product: Mortgage

In XX/XX/XXXX I filed Chapter XXXX bankruptcy and did not include my house in the bankruptcy. Ocwen is my mortgage company. I was able to continue making payments towards my mortgage up until XX/XX/XXXX. My last payment accepted by Ocwen was in XX/XX/XXXX. I made a phone call to Ocwen on XX/XX/XXXX at XXXX Central time. During that conversation I was transferred to the bankruptcy department. The purpose of my call was to discuss why I was unable to make a payment in XXXX both over the phone and on the internet. The customer service representative would not allow me to make a payment. He stated that because I had declared bankruptcy my loan was then transferred to the bankruptcy department which is why I was not allowed to make a payment. The CSR stated that Ocwen had not received my reaffirmation agreement from my bankruptcy attorney, advised me to contact my attorney, have my attorney fill out the reaffirmation agreement, and fax it to Ocwen. He stated this had to be done in order for Ocwen to start accepting payments. After much back and forth between my attorney and Ocwen I learned that the information your CSR gave me was incorrect and that I should have been able to make a payment. Due to this I fell behind on my mortgage and then unfortunately lost my job early XXXX of this year. By the time I had all the information from my attorney and Ocwen, Ocwen then would not accept any payments unless the behind balance was paid in full. I was told that since the account was greater than 90 days overdue they could not accept any amount of money except the full amount. This incorrect information created quite a problem for me. When I found out that the information this CSR gave me was incorrect from another Ocwen CSR I was told " I 'm sorry you were told the wrong information but they should have been able to take a payment, you were n't speaking with a bankruptcy team expert. '' How in the world was I supposed to know that when I got transferred to the bankruptcy department that XXXX. I was n't speaking with an expert and XXXX. That the information he was giving me was incorrect and that a payment should have been accepted!!!
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are not properly investigated my disputes and instead there are saying that it accurate account when it not
Product: Checking or savings account

CAPITAL ONE XX/XX/2024 - Opened Account with Capital One XX/XX/2024 - Initiated inbound transfer to fund new account ( {$50000.00} ) XX/XX/2024 - Informed of account lock XX/XX/2024 - Responded to account lock providing additional personal information for verification ( Valid State ID / Drivers License ) ; Was informed the data would be processed in two business days, and/or I would be contacted XX/XX/2024 - Zero contact from bank XX/XX/2024 - Contacted bank over telephone ; Authenticated into automated systems to gather more details regarding account lock ; Unable to access any information, support rep requested secure personal information over nonsecure line; Requested account to be closed ; Informed that Capital One was unable to close account/ comply with deletion requests ; Escalated to manager -- Manager was argumentative, but confirmed that he would close the account, Refused to provide any information regarding delation of personal data XX/XX/2024 - Attempted to submit request for deletion of personal information from bank databases ; Unable to complete request either due to account lock, or broken IT infrastructure
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have previously submitted the FTC request for permanent opt-out for credit card offers. Capital One is the ONLY company who consistently continues to send me pre-approved credit card offer requests. Further, there is nowhere on their letters ( most recent one is attached ) that allows for an opt-out to stop receiving their communications. It is extremely frustrating and I believe their letters must not be in compliance because every other offer I have ever received allows the consumer to opt out in some way. Capital One does not include anything though.
Product: Consumer Loan

Rise Credit has sent me special offers in the mail, so I decided to apply for the loan. When I applied I got the response and they said they denied it because of fraudulent activity in the application. I decided to check the phone numbers out and the address out and it does n't match up. The phone number associated with Rise is registered to a female in XXXX, Fl. The address and the number I was given to call is listed in XXXX, SC. After searching there is no address listed in XXXX, SC for XXXX XXXX XXXX XXXX, XXXX. The fax number is a fax number listed to an address in XXXX XXXX, Tx. If you will notice closely the fax number is the same area code for the number listed in South Carolina. And the fax number for Texas the last digit is just XXXX numbers of the actual number in South Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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. 

15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.
Product: Mortgage

On or about XX/XX/year> I received a letter from the Pennsylvania XXXX XXXX  XXXX with a conditional approval grant for {$50000.00}. And Ive been trying to work things out with Wells Fargo in paying the remaining balance and so far around {$16000.00} has been paid to Trustee XXXX XXXX in reference to the back mortgage and despite Wells Fargo receiving legal copies of my current Homeowners Insurance from XXXX XXXX they continues to overcharge me the original mortgage rate of {$510.00}. Now this {$50000.00} is beneficial to reduce the mortgage debt.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

I have been taken advantage of by my spouse and other companies by fraud school loans as well as fraud with obtaining a mortgage loan as well as irs fraud and as well as fraudulently obtaining government benefits and then not seeing them for my child and I as well as having my paychecks routed to them as well.siging my name with my rights as a spouse at wells Fargo. Opening bank accounts under my son 's name to do more fraud this or these acts was committed by my spouse and as well as his adult kids and his exes to bankrupt me
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX XXXX XXXX.