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

I was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on XXXX. This is all inaccurate information. 


Also on XXXX  I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

My complaint is about cash app when my checking account is locked money seems to go out and when I talk with cash app nothing ever gets resolved it just give me the runaround customer service is very I don't know if you can call it customer service related non-existent so he's fun that I put on my card for bills and my checking account is locked my card is locked but they still allow money to get taken out when asked about it I don't even give me a dignified response about it and this has happened on more than 12 different occasions which cost me late fees and have to usually add money to a different account to pay off the bill on the document page that I sent that is only for XXXX month that month is XXXX and it's the XXXX transactions on there if you need any more in detailed let me know and I'll send them
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of  their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again ; After reporting about XXXX XXXX banks lack of reporting to the credit bureaus of my mortgage payments to CFPB, XXXX got right on XXXX reported back to me three times, on XXXX then, on XXXX and finally on XXXX. Their last letter informed me that in XX/XX/XXXX, I quote, [ as part of an internal process, the credit reporting for my mortgage was deleted with a lock placed to prevent to prevent future reporting due to the prior bankruptcy filing ]. This was new information to me. The prior XXXX XXXX bankruptcy began on XXXX XXXX and ended on XX/XX/XXXX. At which time XXXX notified me, by mail that they, XXXX, I quote, [ have notified the credit agencies to update the reporting by updating the account to show the XXXX bankruptcy status as well as all permissible account information ]. 
Now, just so you understand why I was blaming XXXX. When I called XXXX " s office they sent a letter to me on XX/XX/XXXX stating that they had corrected the information in my file and had notified all four credit agencies. Then on XXXX XXXX I received a letter from the same office, senior V. P., stating that they were unable to process the request that I had submitted due to insufficient information or the current status of my loan. 
Now back to the present, XXXX '' XXXX attempt to update my information was rejected. XXXX further states that the account can not be reinserted for reporting due to the retention date being too old, per their policy and procedures, This even though the other three bureaus are reporting it as of XX/XX/XXXX. 
Ironically this was discovered by me, trying to log into the IRS web site back in XX/XX/XXXX. Which uses Experian to verify your identity. Now after numerous calls and letters, with copies of letters sent to both CFPB and EXPERIAN, with no response to. I have finally figured out that EXPERIAN has been lying and misdirecting me for over XXXXx months! And why is the IRS using such a corrupt agency? Thanks
Product: Payday loan, title loan, or personal loan

I filed a previous complaint # XXXX ... ..against Comenity Capital Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. I was offered financing from my dentist to pay for a procedure. The dental office told me I could make monthly payments when I was approved ... .no one explained that there would be late fees if I did not pay by the XXXX every month. I called Comenity and told them due to my pay schedule I could not pay the XXXX and asked if they could make it a later date in the month. They refused to it. I have made similar arrangements with other creditors. Every month I make my payment and every month they charge me a {$41.00} late fee. Why do I have to pay this fee which was never disclosed to me when i signed up? I have never missed a payment. They responded to my original complaint by crediting me {$50.00} only to charge {$41.00} again on my most recent bill. They are stealing from me and I refuse to pay anymore. Why are they allowed to bully their customers and steal funds through this ridiculous policy. As I said, I have never missed a payment so why do I have to pay {$41.00} extra every month. I need the CFPB to stand up for me!! My account number ends XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both customer reps from the 3 credit bureaus XXXX XXXX and Experian as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$4500.00} XXXX XXXXXXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX  Balance {$6400.00} XXXX XXXX XXXX Balance {$4500.00}
Product: Credit reporting

Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file two new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management at XXXX XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all three credit bureaus, and also to the apartment complex XXXX XXXX. Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Experian on my behalf and further investigate this matter. Thank you very much, and I look forward to your prompt attention to this matter. The letter from XXXX that states they have deleted this remark is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account shows no balance. This account was included in bankruptcy. The company still reports it to XXXX as an OPEN collection account. I have tried numerous times to get them to correct this with no luck.
Product: Checking or savings account

Hancock & Whitney bank allowed someone to open XXXX checking accounts and XXXX savings account using my information. Then proceeded to let them draw {$250.00} from XXXX acct with a {$0.00} balance, {$100.00} from another acct thaty had a {$0.00} balance, and {$50.00} from another acct that had {$.00} in it. I can only assume the one with {$.00} was the first account. All of this was done using my name and SS # I presume, as the welcome letters, overdraft notices and the debit cards all came to me. It appears to me that it would have to be someone in XXXX XXXX XXXX bank as they would've had to go into a bank to make withdrawals. At the beginning of XX/XX/2023 I ran my credit and have not seen anything on there so far.
Product: Debt collection

My family members have been contacted multiple times concerning a debt of mine. 

I am willing to work with the company, but my family should NOT be contacted about something that is my business.
Product: Credit reporting or other personal consumer reports

I received correspondence from a company called XXXX ( XXXX XXXX XXXX  ) stating that they validated a XXXX  furnished from LCI Consumer Center with a layout of inaccurate information they have an address that's not listed anywhere in my Consumer profile and a multitude of information not belonging to me. I have reached out to pacer via email in which they confirmed they don't validate any consumers information. So, I am aware that they are reporting inaccurate third-party information and violating my rights as a consumer. I need this company thoroughly investigated immediately I'm sure I'm not the only consumer this is happening to they are using several companies to do this such as XXXX XXXX XXXX LCI Consumer Center. This is my Final Attempt to get this matter resolved or I will be taking necessary steps and filing a complaint on each company with the Attorney General this is not Legal or Ethical.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance : {$37.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX  XXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have XXXX credit card accounts that are fraudulent, unauthorized and do n't belong to me listed on my XXXX XXXX, Equifax and XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX, XXXX, balance {$1000.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}
Product: Mortgage

This is a continuation of my previous CFPD complaint. I contacted Wells Fargo to change my payment options so additional principle was not being added to my ACH withdrawals. The associate I spoke to assured me she made the updates. A week later, the lender removed the full payment with additional principle, not once but twice resulting in a negative balance in my checking account. 
The Wells Fargo rep contacted me yesterday, however, I do not believe the resolution is satisfactory. Wells Fargo has now refunded my money, however, I have accumulated {$180.00} in fees from their error. I am requesting reimbursement. I have submitted the bank statement to you. The Wells Fargo rep states they do not have the ability to accept email or uploads. Please note, when I applied for my mortgage I uploaded all of my documents so I find it interesting they can not provide the same accommodations now that I am a customer. I am asking you to forward the information along with my complaint as their systems are antiquated. 
In addition, for the my time, the unauthorized and fraudulent use of my account, and the lack of problem solving, I am requesting Wells Fargo pay me at least the same amount they would charge a customer who paid past the grace period ( {$69.00} for my mortgage ) and bounced a check ( {$30.00} ) for a total of {$100.00} in addition to the {$180.00} in bounced check fees my bank is charging me. I believe it is only fair to be compensated for my time, distress, and damages as a result of a creditor 's gross negligence. 
Thank you for taking the time to hear my complaint and working with my lender toward a fair and quick resolution. I look forward to hearing from the lender.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX and Experian will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number XXXX
Product: Debt collection

I had an account with XXXX XXXX for many years. I switched services to XXXX XXXX in XXXX, and shipped my phone back to XXXX XXXX. They lost this phone and through many phone communications- they admitted that they lost it. However they tried to claim that I owed {$930.00} for this phone. This is false to begin with. However they then sold this debt to Jefferson Capital Systems who has been falsely renewing this debt by changing the dates on my credit report. Not only is this charge fraudulent to begin with, it is well past the statute of limitations on this fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Nordstrom are reporting fraudulent accounts on my credit. These are NOT my accounts. I didn't open them, nor did I authorize anyone else to do so on my behalf. I am requesting that they are removed from my credit. Please note attached- I have filed a Federal Trade Commission report and my Driver License
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Experian via dispute process if several items incorrectly reporting in my credit file the items and there incorrect information are noted below 1. A bankruptcy filing is listed the item was disputed and removed from the file in XX/XX/XXXX the bureau has added the item back to my file but did Not provide the 5 day notice to me as they are required by law to provide 2.  XXXX XXXX account listed in report doesnt have correct term shows 1 month no last date of activity and No historical payment history 3. XXXX XXXX XXXX # XXXX shows no historical payment history no last date of activity 4.XXXX  XXXX # XXXX shows no historical payment history, no term last updated XX/XX/XXXX 5. XXXX XXXX # XXXX last updated XX/XX/XXXX no historical payment history and no term All items above were previously deleted and added back to file without the required 5 day notice to me the consumet
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps allowing the company XXXX XXXX, XXXX to report inaccurate information saying i owe them money on my report. I do not owe this company any money and all other credit reporting agencies had the information removed because the account is not mine and should not have been placed on my report. When i try to get the account removed Transuion allows XXXX XXXX to Parrot saying the information is verified but this isnt true. I certified mailed XXXX funding in XXXX asking for verification and recieved no response from XXXX XXXX. Transunion is willingly committing fraud against me by letting this inaccurate creditor report on my credit.
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 has violated my rights. 

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

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : 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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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.