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

Hello, my name is XXXX XXXX and I am submitting this complaint without error or influence from any third party agency or credit repair clinic. I do not con- sent to these fraudulent accounts. According to the FCRA, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer re- port under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my final and last written instruction that I demand you remove the following unauthorized accounts & data immediately to prevent further legal proceedings : - XXXX XXXX account opened XX/XX/XXXX  account number : XXXX NO PERMISSIBLE PURPOSE ( 15 USC 1681B ) -I HAVE NO CONTRACT OR LEGAL AGREEMENT WITH THIS COMPANY!
Product: Credit reporting or other personal consumer reports

Experian account # XXXX and XXXX, but they said they are done with my investigations and all my inquiries are accurate, so this what i need is to show what did i get from these inquiries? i never gave not one of these companies any permission to run my credit, so i need all the proof from them that i gave them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account from XXXX XXXX is reporting on my credit. I did not live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and my payments accounts were compromised causing payments to be returned. XXXX XXXX refuses to accept this even though I have sent them a copy of my driver 's identity theft report
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank Executive Office XXXX XXXX XXXX XXXX XXXX, OH XXXX Referenc number XXXX I decided not to let go of the case. 
I reported the case to the Police and the prosecutor 's office on XX/XX/XXXX in XXXX. 
XX/XX/XXXX Police initiated an investigation referred to in art. XXXX couple. 1 of the Penal Code. 
I'm requesting a rebill reconsideration. 
I send the required documents and their translations into XXXX. 

Please contact me only via e-mail XXXX or by mail. 


Best regards XXXX XXXX
Product: Debt or credit management

On XX/XX/XXXX I joined Americor as a customer. It was my understanding they would take my credit balances and negotiate a settlement to prevent me from having to pay the minimum balance and prolong the payments, saving lots of money. The program required I stop paying on my consumer credit accounts and direct all calls and correspondences to them to begin the settlement process. I had to go without paying for months and go into default. Before this, I had not missed a payment on my consumer credit for the purposes of this account. I had built up my credit with my creditors. They said No money is paid by me until a settlement is reached and once the settlement is reached I would use the funds I paid which were XXXX from XX/XX/XXXX until XX/XX/XXXXXXXX XXXX XXXX, and with a loan from Credit9 to pay the settlements and I would make payments to XXXX for the loan balance. They stated I would be able to get other consumer credit, even with the same companies. In XX/XX/XXXXXXXX XXXX  I was informed I was not approved for the loan to pay off the settlements due to a XXXX  I am currently involved. The problem is if they had asked me about bankruptcy the day I signed up, I would Not have signed up because I was aware of my XXXX. I would have continued to make payments on my credit, and still been ablt to use my credit. As a result my credit score dropped terribly due to the default and they wanted me to continue to pay them the long way, with no rebound in my credit score and hefty fees instead of being able to remove the credit settlements, which would have improved my credit. I made all of my payments to Americor monthly based on the closest payday to my payment. I later realized the charges I was paying them were more than what was going to pay in my settlements. I then opted out, I no longer opted into their program, it did not do anything to benefit me as they said it would. I have been damaged terribly, I no longer have the use of any credit which I used for my business. I have no credit to obtain any other credit. There was not 1 question asked about bankruptcy when I signed up, they had all of my information including how much credit debt I had, it was not possible for them not to see XXXX XXXX They have paid pennies on the settlements but most of what I paid was taken in fees by Americor.I could used other ways to pay my credit down but I was assured Americor was the best way to go. XXXX XXXX tried to argue with me when I canceled but I would no longer speak with him about my finances.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered I was a victim of identity theft after noticing unauthorized accounts and transactions on my credit report. I promptly filed a police report and an FTC Identity Theft Report. I sent certified mail to XXXX, XXXX, and TransUnion, including my ID, police report, FTC report, proof of address, and a dispute letter outlining the fraudulent activity. Despite these actions, I havent received any response from the credit bureaus, and the inaccurate information remains on my credit file. This situation has caused me significant distress as it affects my financial well-being, and I urgently need the fraudulent entries removed and my credit report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

A payment of {$500.00} was made to Bank of America ( BAC ) credit cards on XX/XX/XXXX. This information has not been correctly reported to the credit card bureaus and has caused a negative impact on my credit scores and credit with other creditors. BAC has reported to the credit bureaus that I did not make a payment in XX/XX/XXXX and that I was 30 days late in XX/XX/XXXX. I am attaching proof from my bank that BAC received a {$500.00} payment on XX/XX/XXXX which posted XX/XX/XXXX. I have tried to dispute the incorrectly reported information with the credit bureaus and with BAC directly. In response to a previously filed complaint, XXXX, BAC sent me a billing statement from XX/XX/XXXX ( wrong year- see attachment ) when I asked for a written acknowledgment of the {$500.00} payment they received for XX/XX/XXXX. BAC has not provided information to me showing they correctly reported my XX/XX/XXXX payment of {$500.00} as they are obliged to do by federal credit reporting regulations. I was told by BAC that they reported my XX/XX/XXXX payment to the credit bureaus but the dispute report ( XXXX ) I received from XXXX shows they received incorrect payment information on XX/XX/XXXX from BAC showing a last payment date of XX/XX/XXXX for the XX/XX/XXXX statement closing date ( see attachments ). When questioned during a call on XX/XX/XXXX, BAC representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resolution XXXX Regulatory Complaints, alleges XXXX is not reporting correct information sent to them from BAC. She verbally acknowledged my {$500.00} payment was received on XX/XX/XXXX but did not include that payment acknowledgement in her complaint response letter nor provided statements for the questioned time period showing that payment. I have attached online BAC payment information showing the XX/XX/XXXX payment of {$500.00} was received by BAC. 

This complaint is stating that BAC did an incomplete investigation of my previous complaint, provided documentation from the wrong year and month ( XX/XX/XXXX ) and not from XX/XX/XXXX, and did not act to resolve its reporting errors causing further harm and distress to me and damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

**Dear governor, My name is " XXXX XXXX XXXX. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Product: Checking or savings account

My wife and I have a saving and checking account at San Diego County Credit Union at XXXX, California. On XXXX XXXX  we made a {$50.00} deposit and got a receipt, it showed a balance of {$56.00} in the checking and {$11.00} in the savings before the deposit. 
I told the teller that was impossible because we haven't made any withdrawals in month. The teller went to the computer and told us have been paying for a Accidental Death And Dismemberment Insurance Policy. I said we did not have a policy and how can they just take money out out of our accounts with out our permission. My records show that that XXXX sent us a mailing stating that because we had an account with them that we were eligible to get a free {$3000.00} policy all I had to do was to sign the form and send it in so I did. The insurance company 's is XXXX XXXX. I called them and they refunded me one payment of {$90.00} after several weeks. I called them back to tell them they still owe us {$90.00}. After some weeks I received a letter dated XX/XX/2023 they want me to fill out a form and have it notarized. I'm not going to do this because it seems suspicious to me. I feel that we have been set up and if so how many people have been taken advantage of. I think that XXXX is responsible letting this happen to us and should make our accounts hole again.
Product: Mortgage

this is specific to the payment history the mortgage company submitted in the previous complaint. 
# XXXX, XXXX # XXXX, XXXX, XXXX # XXXX # XXXX, XXXX # XXXX # XXXX # XXXX # XXXX # XXXX, XXXX there are many they denied charging 2 times in one month. These are examples of just a few.
Product: Checking or savings account

I opened a business checking account with Truist bank on Friday XX/XX/year>. I funded the account with a total of {$2000.00} from the business checking I had ( XXXX XXXX  via XXXX ). Today XX/XX/year> I tried to log into my account and found it was locked due to " security risks ''. I called customer service and after some transferring around was told the bank has decided to terminate the relationship with me due to a fraud investigation ( level 2 I believe they said ) determined funds may be fraudulent. They could not provide me any other information and stated I had to wait for a letter to be mailed to me. I was in no way notified either of any of this. 

I went into a branch location to see if someone in person could help me on this same day ( XX/XX/year> ) and was essentially told the same thing. I asked what this letter is supposed to say, and she stated it may say to call them to discuss getting a check sent or to go to a branch to withdraw the funds. She even said in some cases they may not release the money.

I am now locked out of all of my businesses money with no answers. I believe this is fraud and potential theft on their part.
Product: Debt collection

Affidavit of Truth was sent out on XX/XX/2021. A response was received that was responded to incorrectly A Notice of Default and opportunity to Cure was sent out on XX/XX/2021
Product: Credit reporting or other personal consumer reports

My information was exposed in a Data Breach by XXXX XXXX XXXX XXXX XXXX. I have charges on my credit report I don't recognize and ask that they be removed. Thank you
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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
Product: Checking or savings account

My name is XXXX XXXX. I was the legal guardian for a woman who banks at Wells Fargo. The woman I was POA for was XXXX XXXX XXXX. She banks at Wells Fargo located at XXXX XXXX XXXX XXXX XXXX WA XXXX. 

I went to the bank on XX/XX/XXXX and gave them my resignation as POA and asked to be taken off of her account. I was told that this could not happen. I had to continue to be the POA until I got someone to replace me. I was not happy so the manager stated he would get someone to call about this problem. 

I got a call and e-mail from the person below ( ( ( ( Dear XXXX XXXX XXXX My name is XXXX XXXX and I am a Case Manager in the Wells Fargo Executive Office. My role as a Case Manager is to research and resolve your concern. I wanted to let you know that I have started my research and that my goal is to provide you with a resolution within 10 business days from XX/XX/XXXX. 

As part of researching your concerns, I may be reaching out to get more information but Im here to help with any questions you have along the way. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, I can be reached at XXXX XXXX XXXX from Monday through Friday between the hours of XXXX XXXX  XXXX XXXX  Central Time. 

For reference, your case number is XXXX I look forward to serving you and resolving this issue. 

XXXX XXXX XXXX Office Case Specialist Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC. '' ) ) ) I have reached out to XXXX several times with no respone. 

Thank you for your assistance in this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

those 2 inquiries on my credit report are not authorized those are not mine
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. 

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 XXXXhas 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB:XX/XX/XXXX SSN:XXXX XXXX I have some unknown addresses and several misspellings of my name that need to be removed at once. The following names are not mine please delete them : XXXX XXXX, XXXX XXXX, XXXX SHABAYY, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PLEASE DELETE THE UNKNOWN SS XXXX. I have been dealing with this issue for a while and I need is to be resolved asap!
Product: Credit card or prepaid card

I was not able to make a payment on my Quicksilver Capital One credit card due date on XX/XX/21. So I called them up and told them that I can only pay them in two days. I asked them if they can put a note on my account and if I can avoid the hefty XXXX dollar fee. I made the payment as promised. Today I checked my account and saw that they still charged me the fee. 

I called them up to complain and the rep ( XXXX ) said there was no way for her to remove it because the system is not letting her. I asked to speak to a supervisor. I spoke to XXXX and she said the same thing. It's outrageous. First of the amount of XXXX dollars is outrageous but also that they blame their system for not being able to credit me back. Capital One is clearly NOT a consumer friendly bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX by XXXX XXXX Bank. I got the XXXX card on accident online trying to replace my phone then it turned into a credit card. Actually a pretty amazing one at that cash back was great and so was customer service till. I first got the card and my fiance wanted to come on with me so we contacted a specialist by phone she said no problem at all XXXX XXXX well poof my XXXX card was gone by accident of course so i go 2 months maybe 3 without it and i forget about it totally and boom it magically showed back up on my phone with a crystal clear balance. and in fact the same day I received a letter in my mail saying they credited me {$350.00} sorry there was an error we will correct with reporting agencies as well on your behalf. Ok thank you till the day after i got my old bill added with the new one that i had forgotten about not having my card and all no mailed bills nothing so now my debt had doubled. Whatever I paid it off. I always pay it off on time since i had it.. Then about 4 months ago from today I was a victim of fraud or identity theft again and my XXXX XXXX had a recovery key put on it. Well i learned quickly that a recover key is a 25 Character Pass code they send you and not even XXXX  can help when its lost by whomever had it from the start. I was told to buy an XXXX rep i had to cancel my old XXXX card and under new XXXX XXXX  apply again. I needed to pay my account balance first though of course. I must have asked this rep XXXX  card specialists 10 times if shes sure it's that simple cause past experience has me nervous and my home had just burned down so i needed to be certain if i pay this bill id have my balance to use again on my card for things well they did it to me again XXXX me. The new application had failed because the rep failed to close in proper this time. well i called in to address a manager and i beleave thats the only place in the world Where a supervisor is less helpful than those under them.. well after trying to close my account as advised by a specialist. I called in about 10 times now and 5 of which a supervisor came on it was my full time job getting XXXX to treat me like a customer and correct again there XXXX up well another rep made me pay {$160.00} after the first bill of {$860.00} to close it and guess what still was not closed proper so then the supervisor to save the day again after no joke 25 more calls in tranffered everywhere this supervisor made me pay XXXX cents and still did not close it proper. I am still Without my XXXX card i was promised and they still have reported on all my credit reports closed and delinquent with balance..Ridiculous.
Product: Credit reporting or other personal consumer reports

Under the FCRA ( Fair Credit Reporting Act ) Consumer reporting agencies are suppose to exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy 15 USC 1681 sec.602. Consumer reporting XXXX, Equifax, and XXXX are the agencies and I am the consumer. I have the right under 15 USC 6801 that says... 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 information. Under 15 USC 1681c ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX XXXX, Equifax and XXXX are in violation of my non public personal information. 15 USC 6802 states... ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX are in clear violation of one or multiple versions of these laws as well as 15 USC 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the option by any of these institutions to not disclose my non public personal information. 15 USC 1581e says ... 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, Equifax and XXXX are not following the law. 
Under 1016.7 ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. It is my right to opt out of these reporting agencies and at this time I am excising my right.