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

EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER. I HAD MY ACCOUNT BREACHED DURING THE EQUIFAX BREACH AND THIS ALLEGED DEBT IS ON MY CREDIT REPORT/FILE. THEY NOT ONLY ALLOW THIS IDENTITY THEFT ON MY CREDIT REPORT. 


This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am Hurt to find out that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following account is not mine. 
XXXX XXXX XXXX Account XXXX XXXX Please remove it from my credit report. 


I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Debt collection

HELLO TO WHOM IT MAY CONCERN IM CONTACTING YOU ABOUT XXXXXXXX XXXX XXXX FL XXXX BETTER KNOWN AS SOUTHERN MANAGEMENT COLLECTION AGENCY.THEY CONSTANTLY CALL MY PHONE DEMANDING ME TO PAY A DEBT OR I WILL BE PROSECUTED ACTING LIKE ANOTHER COMPANY ASKING FOR ANOTHER NAME AND I TELL THEM WHO I AM THEN THEY SAY I HAVE A DEBT WITH SOUTHERN MANAGEMENT VERY RUDELY AFTER I HANG UP THEY IMMEDIATELY ATTACT MY CREDIT REPORT AND THEY WONT STOP I HAVE DISPUTED THIS MATTER WITH XXXX, XXXX, XXXX NOW XXXX AND XXXX WAS REMOVED.THE COMPANY NEW THOSE DISPUTE 'S WERE REMOVED EXCEPT XXXX THE LAST TIME THEY CALLED ME THEY TOLD ME THAT XXXX WILL NOT BE REMOVED IN A DISRESPECTFUL DISTASTEFUL MANNER AND ALSO TAUNTING ME ABOUT KEEP HITTING MY CREDIT THE REST OF XXXX AND MORE THEN HUNG UP IN MY FACE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX marked my Equifax credit score with negative derogatory mark. I called them multiple times and the automated system directed me to their email. I sent a written request and they have failed to provide proof that I ever owned an account with the supposed entity that is owed. They only sent me a reference number which I looked up on XXXX XXXX website- the address noted is incorrect and the account noted from XXXX XXXX is also incorrect. I never owned an account with XXXX XXXX and never received documentation that I owed them. I've requested documentation per attached emails to XXXX XXXX XXXX without success. 

I demand that Equifax investigates this issue with XXXX XXXX XXXX to remove these false reports and provides all pertinent documentation including : 1 ) Proof that the debt is mine and that XXXX XXXX XXXX has the right to collect it. 
2 ) The last statement or invoice provided to me by the creditor to which the debt is currently owed.

3 ) The charge-off date.

4 ) The account number associated with the debt.

5 ) The amount of current debt and itemized list of any payments made, added fees/interest/or other charges.

6 ) Confirm whether or not the statute of limitation on the debt has expired.

7 ) Written documentation of when and how I was notified of the debt and by who- I did not receive any letters or emails notifying me that I owed money to anyone. 

Equifax also needs to remove all negative derogatory markings on my credit scores.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card or prepaid card

I have been a long-time cardholder with American Express, and received numerous mailings and emails with offers to become a platinum member, along with an associated XXXX bonus points if I spent a certain amount within 3 months, I believe. Last XXXX ( I forget the specific date ), I decided to take them up on their offer. Upgrading also meant that I paid a significantly higher annual fee. 

I logged into my American Express account, and upgraded my card through the website rather than mailing in the application or clicking on the link in the email ( as I tend not to click on email links from financial institutions on the off chance it's an illegitimate link ). I assumed that American Express was sophisticated enough to link my account with the offers I had received, but I noticed a few months ago that the rewards points had not been applied even though I had spent the required amount in the 3 months after activation. 

I called American Express and complained that I had not received my bonus points. They told me that there was no offer attached to my upgrade, despite the mailings and emails I received indicating that I was eligible for the XXXX bonus points if I upgraded. They opened a case to look into it, and I heard on XX/XX/XXXX18 that they were declining to give me the bonus points. Therefore, I paid a significantly higher annual fee, and did not receive the accompanying bonus points that were promised to me via the mailings and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. Someone stole my drivers license, social security card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card : XXXX, and my XXXX XXXX credit card : XXXX from my mailbox, the United States Postal Service mail. I never received my drivers license, social security card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card or my XXXX XXXX  credit card in the mail. Someone stole all of my mail. There are fraudulent and unauthorized charges on both credit card accounts. My entire credit limit of {$2500.00} and {$2900.00} was used in a fraudulent and unauthorized manner.
Product: Money transfer, virtual currency, or money service

I had to delete the Zelle app completely off my phone. It wouldnt allow me to send money from my account or Zelle account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights with account XXXX. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This company has violated these terms for the following mont
hs. 
XXXX and XXXX and XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX
Product: Checking or savings account

I had two checking accounts with Bank of America. I had one business account XXXX XXXX XXXX ending in # XXXX and personal account XXXX XXXX ending in # XXXX. 

I had a friend XXXX XXXX transfer {$9900.00} by wire to my business account on XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX. This was a legitimate transaction for a wedding. 

Once I received the deposit into my business account, I transferred {$9800.00} to my personal account the next day. I then tried to purchase XXXX, which I have done so successfully previously. Bank of America flagged the transaction and stopped the transaction. 

When I called Bank of America they could not tell me why this transaction was flagged. A week later, the first week of XX/XX/XXXX, Bank of America froze my accounts and then a few weeks later closed my accounts. 

I have called Bank of America hundreds of times, I have made at least 3-5 visits to Bank of America XXXX XXXX XXXX in XXXX, TN. I have spoken with XXXX XXXX XXXX and he was very kind and helpful. I am trying to get my friends money that she sent returned to her. Bank of America has said that they are still investigating and it is under review. No one can tell me why the transaction was flagged, the reason, how long the review will last. I am very, very frustrated with Bank of Americas handling of this situation. Every time I have called I receive a different answer. 

It has now been going on 7 months and the funds are at Bank of America and are still frozen. I would like the funds to be returned to my friend with a cashiers check : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX TN XXXX ( XXXX ) XXXX Or if Bank of America wants to return the funds to me with a cashiers check : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Email : XXXX Thank you in advance for helping clear up this matter and obtaining the return of my funds. 
XXXX XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

This complaint is concerning my Bridgecrest XXXX XXXX account. Recently, I discovered that on XXXX XXXX XXXX, unauthorized withdrawals from my bank account, which I believe constitute a serious violation of my rights as a consumer. These transactions were made without my consent and have resulted in unwarranted fees, further exacerbating the situation. 

According to the Fair Credit Reporting Act ( FCRA ), consumers are protected against unauthorized transactions, and believe my case aligns with the precedent set in XXXX XXXX XXXX XXXX XXXX XXXX, where the court ruled in favor of the consumer in similar circumstances. This case highlights the importance of consumer consent and the repercussions of unauthorized withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit card with XXXX for over 30 years, I have always paid my balance every month, never rotated. I, also have had a credit card with Gap. 

We used to live in XXXX  until XXXX of 2020. After we moved to XXXX  one day my credit card was denied by a merchant. I could not believe it because for over 30 years I have had excellent rapport with XXXX and my husband, XXXX XXXX, and I were considered " Private Clients '' of XXXX. After this event our Private Banker at XXXX did not respond to my phone calls. Later, we were told that a partner of XXXX had problems with us. Eventually, we figured out that this it was Gap 's Synchrony bank. There was a hint that multiple people had tried to use my Gap account. To date I do not have any names or explanations about this happening and it must have happened during or through of our move. 

Sofar, all other credit card companies have been fine and my credit score, last time I checked, Was still " very good. '' Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unclear as to why they are now first coming after me when my lease was paid in full in XXXX of XXXX. Back in XX/XX/XXXX they added this item to my credit report, and I submitted a dispute. At that time, it was in fact removed. I am now seeing it again. 

I have submitted disputes to all XXXX credit bureaus and they are refusing to remove this item stating the company responded the account is accurate. I just sent proof of all XXXX payments made along with dates they were paid. 

My account with GM financial is locked and I submitted a request to have it opened but no response. When I call, I am left on hold for hours and simply do not have the time for that. 

This is negatively affecting my credit score. Please know that I take my credit very seriously as I was negative affected by my divorce years ago where my now ex husbands horrible credit affected mine. I worked very hard to get this cleared up and am sure to make all payments in full and on time which I have managed to do. 

Attached below are the documents I sent to all credit bureaus which prove I paid this lease in full. There is also a cover letter and cover sheet showing my bank account with each payment on the date paid. 

Any help would be much appreciated.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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: Debt collection

continuous calls, several on a daily basis, refusal to provide any information to legitimize any bills they are trying to collect. Rude, abusive language. Refuse to stop harassing my family.
Product: Credit reporting or other personal consumer reports

Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Ive tried to acquire a loan with Navy federal on XX/XX/24. They proceeded to tell me they got my Credit information From XXXX XXXX. which is considered a third-Party non affiliate. Seeing as how that is a breach of our contract agreement I would like the CFPB to help me resolve this matter.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE ALL THE INACCURATE ACCOUNTS MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Mortgage

I made my XX/XX/XXXX payment to XXXX XXXX XXXX. They cashed the check on XX/XX/XXXX and then the loan was transferred to Community Loan Servicing. Community Loan Servicing has not posted my payment although I have called them several times and provided them a copy of the canceled check AND my bank statements for XXXX months showing the check was cashed and the funds taken from my bank account. They now say I am due for the XX/XX/XXXX payment even though I have paid through XXXX.
Product: Student loan

Nelnet has been horrible to deal with, I have applied on numerous occasions for different programs to help with my loans and each time they never respond back and when you reach out to find out why, they claim they never received it and basically start your payments up again with no notice. I have apied for the XXXX program, waited for months to receive a response to the approval, and I have to call again to be told they needed a page with my name on it filled out, but did not send the email out to let me know what was needed, they just start up my payments again.The timely response is never followed up, you just get a note saying your payment is late, its getting worse and worse, no one is on the same page at nelnet, I have even did a application for the XXXX program, with a live agent walking me through it and requested to let them get XXXXXXXX XXXX tax document from them, as this was a option, and still they say they have not received this application, it is stressful and something needs to be done to stop this madness, I have no emails or calls to let me know if anything is needed or response until they send a payment letter out.I have been going through this non sense with NELNETsince XXXX of XXXX, I have filled out numerous of applications, by fax, email and XXXX need help, I'm tired of dealing with the lies and bull, I do my part and have proof to show gow many times I have applied for a program and all to be told they never received it, but they don't tell you that until you call and ask what happened with the application, When you get someone online, they keep making you start a new application over and over again.Nelnet do your job and keep notes and responses back to our Application status, instead of just demanding a payment that we did not know was due, we still be waiting on a response about our XXXX and XXXX applications.Someone please help XXXX and XXXX our.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$XXXX} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.
Product: Credit card or prepaid card

hi to whom it may concern bank of america closed 2 of my credit cards for no apparent reason on or about XX/XX/2019. i had both of these credit cards with bank of america . i have perfect history with them and they gave me no indication as to why they closed my accounts. all i was told was i was a high risk, but did not specify why i was a high risk. al tho they didn't inform me or indicate this was a reason my credit report reported high balances. i told them of this and asked if this was the reason but recieved no response. i formed them that some cards had been fully paid and that the report was not accurate. this was a within couple days of account closing. only thing they offered was to try in dispute this and i agreed but no luck. i fried in few times within the week and same result. once my cards had reflected they had been paid off on or about XX/XX/XXXX i tried again but i received the same result. this is the only thing that had changed on my report. i was using both of my cards within terms and conditions, i always paid on time. they gave me no explanation or reasoning for there actions. i believe bank of America is negatively profiling me as they have no reading and can not come up with a just reasoning for there bias decision. i would greatly appricate any help the resolve this
Product: Money transfer, virtual currency, or money service

Square intentionally seized the funds from transactions. They want to verify my identity after taking the money and not before. They sent me multiple emails claiming the account was ready to use a deceived me asking to verify my identity and bank account only after accepting the money and without my consent or knowledge because that would require them to have verified my identity and bank before accepting the money. They told me it takes two business days to do that. They rejected verifying the account information after submitting it. I resubmitted the same documents because my identity nor my bank 's identity have not changed. In two business days they did not release the money. They stated on the phone that it was because I submitted my tax return a day later because they had not responded and I had to wait another two business days. It has been two more business days since submitting any documents to them and they still have not released the illegally seized funds. They claim I need to request a refund as a consumer to have the funds as a business. I even tried sending receipts and no receipts are being received. I called today and now their number XXXX states my phone number is not registered to an account, won't transfer me to anyone, and hangs up the call. I can't even find where a phone number would be to update one in the account settings and I haven't changed it in a week. They accepted my call last week, but not this week. The automated system just disconnects the call. They also want me to verify billing. Its my business ; I sent myself money. I'm not billing myself. And my business is accounting and I specifically work in tax accounting. Client information is confidential and attorney client privileged. The only thing stored that isn't confidential is a draft contract for engagement and I don't even store mine with my information in it, because its my business and I don't have to.