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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$4600.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX PL XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have been trying, since XX/XX/2023 and again on XX/XX/2023 to explain to Regions Bank that I have yet to receive my new debit card, which expired XXXX. 
This happened a couple of years ago when my debit card was renewed. 
I live in XXXX. The bank has my XXXX  address, yet they seem unable to send me the new card without me having to make several phone calls to the U.S. and explaining the situation. The last time they ended up XXXX XXXX me my new card. 
I am a XXXX citizen and I have once again been without access to my funds for over two weeks. 
I explained several times to 3 different bank managers that I am unable to purchase food or gas or access my funds if I should have an emergency. Regions Bank seems unable or unwilling to assist me receiving my renewed debit card. 
Thank you.
Product: Checking or savings account

Ive made several attempts to contact Suntrust ( now Truist ) and have been unable to reach anyone. I want to close my account because I no longer use it before I incur anymore maintenance fees. I just want it gone. Everytime I call Im placed on hold and then the line ultimately disconnects. Im not in a state that has a local branch available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXBalance {$9800.00} XXXX XXXX-Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel i was negatively impacted by XXXX hurting my chance at credit after receiving a response to my earlier disputes that the accounts were " verified '' but I don't see any details about your investigation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account being reported by Trident Asset Management ( Account ending in XXXX ). This account was charged off years ago, with a first delinquency date of XX/XX/XXXX and a major delinquency recorded in XXXX. Despite no consumer activity since that time, Trident is improperly reporting this account every single month as a collection, with a fixed balance of {$600.00}. 

This monthly reporting is misleading and inaccurate. It gives the appearance of ongoing consumer activity or recurring delinquencies, when in reality the account is long closed and inactive. This tactic is known as re-aging and it is a deceptive practice that artificially keeps the account active on my credit profile, damaging my credit score and misrepresenting my financial history. 

I am requesting that Trident cease all monthly reporting on this account and instead report it as a closed, inactive charge-off with no further updates, in accordance with FCRA accuracy requirements.
Product: Debt collection

I am filing this identity theft report in response to the derogatory remarks that Wells Fargo BANK and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with Wells Fargo Bank. However, Wells Fargo is reporting a fraudulent account to the credit reporting agencies with a balance of {$19000.00}. 
Date opened : XXXX Immediately after I noticed this account, I contacted Wells Fargo. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that Wells Fargo can remove the fraudulent and derogatory remarks they report on my credit report.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

I am writing to formally complain about the inaccurate credit information currently reported by your agency. The inclusion of the following information in my credit profile has adversely affected my good credit standing, leading to a wrongful denial of credit recently. 
As per credit reporting laws, it is imperative that bureaus report only accurate credit information. I believe the inclusion of this inaccurate information is a mistake, either on your part or the reporting creditor 's. This mistake has not only been highly embarrassing but has also negatively impacted my lifestyle. 
I kindly request the prompt verification and deletion of the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I appreciate your swift attention to this matter and request the removal of the aforementioned information as quickly as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Acct # 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 an account without my written instructions.
Product: Checking or savings account

I use Chime for receiving all my money on direct deposit and others. They have all what I got which is {$1400.00} And when they take an action, they havent noticed that to me that i get me money or so. 
So, when i called on XX/XX/XXXX they didnt gives specific reasons to know why, but taking an action and i told by customer service that they mailed my check on XX/XX/XXXX. However, I called today XX/XX/XXXX the representative told me the check mailed to my address on XX/XX/XXXX and takes a XXXX  days. 
I have lots of responsibility like car gas my rent and food as a reminder all what I have on chime Please
Product: Money transfer, virtual currency, or money service

The Department of Veterans Affairs, and/or one of their agents stole my XXXX XXXX compensation check. I noticed on XX/XX/XXXX I did not receive the check. I call their XXXX number to find out where it was. The agent said it went to the wrong bank. I waited a few days and called back. They said the second time I called that it was returned ( on XX/XX/XXXX ) I asked when I would receive the check they did n't seem to know the status. So I again I waited and called again. The third time I called they made up a story about some alleged debt, and were n't sure what happened to the check. In the past, they have always mailed a check if it was returned, but this time the check seemed to be returned and then it disappeared out of thin air. I believe either the agent or agency has committed fraud. It has been 22 days since the check was returned to them and they still have not mailed it out to me. I have all of the documentation stating it was deposited, returned, and as of right now they are not showing any status of a payment for the month of XXXX. I believe they may have stole my identity with my social security number and birthday, and name. The amount of the lost check was {$830.00}.
Product: Debt collection

XXXX XXXX XXXX  placed an account opened XX/XX/21 through identity theft with Credence RM for collection. XXXX reduced my credit score from XXXX to XXXX as a result of the collection action. XXXX & XXXX identified the fraudulent activity and rescinded the collection and closed the account. My credit rating was lowered from XXXX to XXXX and I was denied an auto loan by U.S. Postal Service XXXX XXXX XXXX. XXXX & XXXX failed to exercise ordinary care and protection of my personal information when allowing the fraudulent activity to degrade my credit. The increased interest to obtain an auto loan from the XXXX XXXX XXXX XXXX XXXX will cost me {$2800.00}. XXXX & XXXX should be held liable for the added cost to obtain a loan.
Product: Money transfer, virtual currency, or money service

Dear Western Union, Since you guys only reply to me when I file complaints here or through CFPB, I have decided to begin a lawsuit in New York Civil Court. Papers are being prepared to be served on your Colorado HQ as you read this. This is your last chance to come clean about several inconsistencies I have found with your company. 

XXXX ) On XX/XX/year> I had money stolen through wire fraud without my authorization. When I called your company on this day, the call kept dropping. When I e-mailed your company, you guys stopped answering e-mails.

What do you have to say for yourselves about your company being unreachable by phone/e-mail? 

XXXX ) Before the call dropped, one of your employees told me the location where this happened was " XXXX XXXX '' which is like saying " this happened in New York City. '' when I ask which exact branch this occurred in so XXXX Authorities can investigate further, your company had no information, ignored my e-mails/kept hanging up the calls.

What kind of company doesn't know how to track unethical practices happening at one of their branches?

What do you have to say for yourselves about your company giving customers inaccurate information? 

XXXX ) You FINALLY answered me after I kept writing bad reviews on trustpilot and filing complaints with CFPB. You told me to get a subpoena if I wanted more information about how your company allowed money to be stolen from me by one of your employees. You told me to send the subpoena here : Western Union Financial Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have posted this publicly so the next time one of the hackers at your company steals money from another innocent person, they can reference this bad review and know where to serve legal papers. There better not be any surprises like " Actually this isn't the right address ... '' because you guys don't answer e-mails, so I would've never got the right address unless I wrote another bad review in order to get you to respond to this.

You're a bank. Your company makes millions of dollars. Have fun paying a lawyer thousands of dollars to appear in a New York City courthouse while you try to explain to a judge why you shouldn't have to payback one of your most loyal customers
{$1000.00} for money that was stolen from one of your employees. Your company is going to spend 10x the amount that was stolen from me on attorney fees.

Even if the judge rules in your favor, I'll finally be able to sleep happily at night knowing I made your company waste time and lose even more money than you guys stole from me : )
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Charge Off Account. 

XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right t
o privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

The mortgage loan I have with Ocwen matured on XX/XX/XXXX. Since then, I have been attempting to work out a payment arrangement on a balloon payment. They would not accept any payments from me except for full loan payoff. I always make my payments via XXXX. 

After several attempts to contact the relationship manager, I was told to make a payment of {$680.00} to cover the XXXX and XXXX payments. I sent the {$680.00} directly to them through their website. I also submitted the mortgage modification application they requested. When my next mortgage statement arrived, I saw where the {$680.00} was in suspense/unapplied funds. I contacted them again and I was told that they would be returning the {$680.00} to me in the form of a check, and that I would be notified regarding the modification. The check was dated XX/XX/XXXX. I also tried to make two more payments via XXXX which were rejected. 

In XXXX, XXXX, I received the Trial Modification payment notice. I was to pay {$320.00} on XXXX XXXX, XXXX. That week, I went to the XXXX location to pay it and this time, the payment was accepted. However, a few days later I got a letter from Ocwen informing me that I am not qualified for a modification because I am 90 days late or more, and that I can get my {$320.00} from XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request a Trafficking Block Request. I am a victim of XXXX XXXX The information listed below which appears on my credit report, is a result of that trafficking Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
This fraudulent, inaccurate, and false information consists of a collections account from XXXX XXXX XXXX with a balance of {$310.00}. A collections account with XXXX XXXX XXXX with a balance of {$1000.00}. A collections account with XXXX XXXX XXXX XXXX with a balance of {$410.00}. A collections account with FXXXX XXXX XXXX with a balance of {$2800.00}. A collections account with XXXX XXXX XXXX  with a balance of {$2000.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I initially had a loan with XXXX XXXX in XXXX, LA and had been doing business with them for about 4-5 years. They were bought out by Tower Loan a few months ago. Their employees and customer service is HORRIBLE!!! I am currently experiencing a financial hardship and have been for about 2 months so my payment has fallen 30 days behind. I have explained to them that my husband is on XXXX and has had 4 XXXX XXXX in the last 5 years. Last month ( XX/XX/XXXX ) they called me and for the payment in which I informed them would be late. I spoke to their manger, XXXX at the time. He threatened court costs and fees if I did not make the payment within 1 day of his call. I was able to stretch and make the payment by borrowing money from my mom which put me even further behind and naturally continued into the month of XXXX. They are aware that I get paid bi-weekly and that my husband receives his XXXX at the end of the month but insist on calling me on the weeks I do not get paid and I have been in constant communication with them regarding when we get paid. Today, XX/XX/XXXX the office in XXXX, LA called me again 3 times within 1 hour and did not leave a message. Needless to say I was at work making money to be able to pay them. I called them back and spoke to XXXX, I informed her that I was hopeful I could pay them on XX/XX/XXXX when I got paid but was unable to due to other obligations and that it would definitely be on XX/XX/XXXX when I get paid and again on XX/XX/XXXX when my husband receives his XXXX. She immediately got rude, belittling and harassing telling me that if I did not pay by XX/XX/XXXX they'd put court costs on my account of {$220.00} to accommodate for me and my husband being borrowers on the loan, I told her that was a scare tactic and that I could not pay them until I get paid. I asked to speak to the manager which is now different than last month, her name is XXXX. XXXX did the same thing and told me she needed the payment by XX/XX/XXXX or she would be placing the court costs on my account and / or they could come and pick up the collateral which secures the loan. I gain tried to explain my situation and assured her that payments would be made on XX/XX/XXXX and XX/XX/XXXX. I asked for the distract manager 's name and number and asked for that person to call me. XXXX assured she would email him to contact me by the end of the day and Mr.XXXX XXXX has yet to do so. I also explained to XXXX that I have a loan with another one of their offices in XXXX, LA and informed her that I was facing he same situation with them last month and this month and that they have not spoken to me nor treated me the way that their office has. I asked if they were definitely the same company which XXXX confirmed they were.
Product: Checking or savings account

Navy Federal closed my checking account back in XX/XX/2019. I have been trying to get this matter resolve since then. Until this day I have yet to get answer as to why my checking account was closed. I have email the CEO but have yet to get a reason as to why my account was closed. I really need CFPB to look into this matter for me. As I feel this was unfair as I haven't done anything wrong for my account to be closed.
Product: Debt collection

XXXX XXXX card was stole from XXXX in car thief called in stolen but they still sold debt to asset acceptence and now there filling wrong amount law suits. the amount was less then XXXX in XXXX. The law suit if for XXXX
Product: Debt collection

Originally, I received a parking ticket from the XXXX XXXX XXXX. I sent in my first request for an administrative review ( due XXXX/XXXX/2016 ) but it was sent back for not including payment and time was extended to XXXX/XXXX/2016. 

Now " Professional Account Management, L.L.C '' is sending me a bill for {$370.00} which is an increase from my previous ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A Unauthorized account INQUIRES and Unknown address XXXX XXXX XXXX XXXX, MI XXXX on my credit report by all three Credit Bureaus ( XXXX, XXXX, XXXX ) XXXX/XXXX XX/XX/2019, XXXX/XXXX XX/XX/2019, XXXX/XXXX XXXX  XX/XX/2019,. 
Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In  accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report and would like it to be removed, If you can not provideproof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not Metro-2 compliant or meet E-oscar requirements, Please remove items immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I tried to access my free annual credit report via https : XXXX. I was able to retrieve my XXXX credit report without a problem, but Equifax gives the message " Online Delivery Unavailable '' and requests that the customer physically mail them personally identifying information. This is problematic for three reasons : 1. It's not free, you have to pay for postage. 
2. It's not immediate. I want my credit report this morning. This will prevent many people from following through and requesting a report. It would be weeks before I see the report. 
3. The burden is on me to dig up the information they request, find a copier, go to the post office ... This should not be the case and will obviously discourage many people from requesting the report that they are required to provide by law. 

I believe that Equifax is violating, if not the letter, the spirit of the 2003 Fair and Accurate Credit Transactions Act. In the past, I have easily been able to get my credit reports. 

Why should these obstacles be put in place? They weren't in the past, there is no reason to, and the other credit reporting agencies don't do it. 

If their excuse is " security '', it is not credible. This is not an insecure method of receiving a credit report and the hoops that people would have to jump through to retrieve the free credit reports that they are entitled to, are completely unnecessary and are part of the reason the law was passed in the first place.