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

I just ran my credit report for the first time I am a XXXX  XXXX who surved the country for over 20 years, XXXX  Veteran it is very stressful and depressing that I am revieweing my credit report and see that there are unathorized inquiries and accounts that are not mine please assist me in removing this it is sad that I serve the country and someone is using my information for falsey use.. XXXX - XXXX XXXX  XXXX XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies NOT MINE NEVER BEEN MINE - XXXX  XXXX - XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX - XXXX - NOT MINE NEVER BEEN MINE - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies PLEASE REMOVE THIS FROM ACCOUNT FROM MY FILE. 
INQUIRIES XXXX XXXXXX/XX/XXXX I NEVER APPLIED FOR ANY OF THIS. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I am a retired veteran who served the country for over 20 years it is very depressing and stressful that youre report inaaccurate information.. My personal name is also wrong it should only report XXXX XXXX XXXX My residence is XXXX XXXX XXXX XXXX XXXX FL XXXX I have not lived any other place as it was stationed almsot all my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my credit report. Only to find lots of incorrect and fraudulent information on my credit report. I immediately called Transunion, XXXX XXXX XXXX to have the inaccurate and fraudulent information removed. I was informed to put something in writing, along with a FTC report that needed to be submitted, my Drivers License, and one current piece of mail to validate my true identity along with address. I followed the direct orders give by each representative and nothing has changed on my report. I mailed another letter on XX/XX/2021 with another request to have the inaccurate items removed, along with their Method of Verification. I got my credit reports on XX/XX/2021 from Transunion, XX/XX/2021 from XXXX  stating their fraud department flagged my documents as fraudulent. I am just disappointed and upset the system they are using to verify documents is out dated and is causing my credit integrity to be compromised. They have disregarded the consumer laws and have shown a lack of correct reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  Balance Owed : {$350000.00} ; {$350000.00} ; XXXX XXXX XXXX Balance Owed : {$680.00}
Product: Debt collection

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have copy of my identity theft report. Remove fraudulent account placed by the collection company from all my credit reports.
Product: Credit reporting or other personal consumer reports

This company is currently reporting false personal information to my credit, and I am requesting that this company correct my name and address as soon as possible. 

My name is XXXX XXXX any other names should be removed from my credit file. 

The only address that should be listed on my credit file is : XXXX XXXX XXXX XXXX, Alabama XXXX Remove the following addresses : XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information Us bank 09.07.22 {$9400.00} This credit account is the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date Opened XX/XX/19 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX  # XXXX XX/XX/XXXX Inquiries XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I mailed a check that I received from my insurance company to Wells Fargo for deposit to my wells fargo account. The check was mailed on XX/XX/2024 and delivered on XX/XX/2024. 
On XX/XX/2024 at XXXX XXXX I received an email from Wells Fargo stating that my account was goin to be closed because they believe the check that i have deposited into my account is suspected to be altered. Ive received the check from my insurance company and i have the proof that the check is valid
Product: Debt collection

I've been a Bank of America customer for over 8 years, I've had an exceptional payment history with my credit card account with Bank of America, I recently discovered Bank of America closed my credit card account and reported me to the credit bureaus 30 days late for XX/XX/2020, 60 days late for XX/XX/XXXX and 90 days late for XX/XX/XXXX. Bank of America has never called me, emailed me or sent me any written notice whatsoever advising me there was a balance past due with this account. My family has bee devastated XXXX XXXX, my mother has been suffering with severe medical and financial complications since XX/XX/XXXX. My only concern in my life for the past 6 months has been my mother 's health. I spoke with a representative in a Bank of America branch and advised them I was unaware I had a balance with my account because my mother 's health was my first priority, I stated I was willing to pay the past due balance in full, but I wanted Bank of America to re-open my account and remove the late postings with the credit bureaus and I was advised, they would not remove the late history. My family has bee devastated and now my credit profile has also been devastated. I'm reaching out to the CFPB to help me restore my relationship with Bank of America and restore my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX 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 or other personal consumer reports

My accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment reported on my XXXX as reflected in my credit report. Based on my records, this late payment was caused by a system issue on Capital Ones end, which you acknowledged in an email sent to me on XX/XX/year>. This email confirms that a technical issue with a third-party service provider delayed the processing of electronic payments and transfers, which directly impacted customers ability to complete their payments on time. Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 7 ) of the FCRA, Capital One was required to provide me with a written notice within 30 days of reporting the late payment to the credit bureaus. This notification must include : The name of the consumer reporting agency to which the negative information was reported, A statement of my rights to dispute the accuracy of the reported information, and Contact information for resolving disputes.

I never received this legally required notice from Capital One, which means you failed to follow federal protocol when furnishing this negative information to the credit bureaus. This violation further supports my demand for the immediate removal of the inaccurate late payment entry from my credit file.
Product: Debt collection

Resurgent/LVNV has placed an alleged collection account on my credit report for XXXX  XXXX XXXX I have no agreement nor have I signed any contract with this collection agency. I have asked for debt validation and a forward flow agreement with no response. This is a violation of FCRA as I dont have any contract or agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 hour wait time with experian or more on all their lines and I still can not get through. They are charging me and not letting me cancel!
Product: Credit card or prepaid card

Bank of America XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California store opened a business credit card for me without my permission. He did not inform me that he would run my credit to open such a credit card. I went to the bank to open a checking account for my new business. He ended up run my credit and opened a credit card for me. 

When I told him that what you did was wrong and you behavior caused trouble for me in obtaining the mortgage, he said that BOA would not blame him for anything, and he also said that " you deserve it ''. 

I made several complaints to BOA. The banker was correct. He did not get punished for any of his wrongdoings. BOA called me and provided a fake number to call back. It never worked. Called for dozens of times. BOA does not want to face the problem or to give me an answer. I have been a customer in BOA for seven years. This experience was disappointing and unacceptable.
Product: Mortgage

I was in the middle of a loan modification had made all my payments on time and my house was sold at a sheriff auction during the loan modification trial period without notice the original sheriff sale was postponed because of the modification then was sold a month later without notification I was not notified my house was sold at auction until the person who bought my house left a note on my garage door telling me he bought my house I have all correspondence being e mails and text messages with the mortguage company about the loan modification I don't understand how they could except payments from me and foreclose at the same time
Product: Checking or savings account

I am writing to file a complaint against XXXX Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available find. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I am a victim of identity theft and have never applied for or opened any checking, savings or credit card account with PNC Bank because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

This account was opened XX/XX/XXXX with a 72 month term. There are several inaccuracies on my credit report stating the account was opened on XX/XX/XXXX. Account detail doesnt show auto loan. Date last active was XX/XX/XXXX. Its showing other date XX/XX/XXXX and XX/XX/XXXX. It was last active on XX/XX/XXXX. Date of last payment is showing XX/XX/XXXX and its was actually on XX/XX/XXXX. These inaccuracies is manipulating my credit worthiness and hurting my ability to obtain credit. Equifax has failed to investigate properly after Ive repeatedly asked to have the account update. My request has been neglected once again and is violating my consumer rights. I am demanding the deletion of the account named- XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unauthorized online wire transfer on my Citibank account, for transaction ( s ) posted on XX/XX/2022 for a total amount of {$68000.00} Claim number : XXXX My name is XXXX XXXX, I am a XXXX XXXX XXXX XXXXXXXX ) licensed in New York State, and I am currently working for XXXX XXXX XXXX XXXX XXXX, New York . I am also a Citibank customer for 22 years. On XX/XX/2022, an unexpected and unimaginable event occurred in my Citibank account ( # XXXX ) putting my life in limbo. A person or a group of people that I do not know accessed my bank account under unclear conditions, and made an unauthorized online wire transfer in the amount of {$68000.00}. In the fraudulent process my savings as well as my custom credit line are gone. 

I attest the online wire transfer was not authorized by me ; I received no benefit from the issuance of this transfer. The person ( s ), who initiated this online wire transfer is not authorized to use this account ( # XXXX ). I further attest that there is no co-signer in my Citibank account. I am the only one and sole owner of the account ( # XXXX ), I declare, as I did in the affidavit I signed and sent on XX/XX/2022 to Citibank Fraud Prevention, I was not negligent in contributing to the unauthorized online wire transfer.
Product: Checking or savings account

The OptumBank.com claims processing web site is chronically and severely malfunctioning. Before I describe the problems, I will mention that I am a long time XXXX  XXXX  XXXX. For 25 years I XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and prior to that I was a XXXX XXXX at other major, internationally respected companies. 

Here are two current problems with the Optum Bank claims processing system : 1 ) I submitted three claims dated XX/XX/XXXX that should be automatically reimbursed monthly. I specified automatic monthly reimbursement because these are reoccurring expenses. However, the " Pay Me '' button is appearing next to the claims which indicates that I will have to manually request reimbursement each month. The Pay Me button should not be appearing and I should not have to manually request reimbursement each month. 

The automatic monthly reimbursement of reoccurring expenses worked fine in XXXX. 

2 ) The secure email function on the Optum Bank website is unreliable. Users frequently encounter issues, such as the function " timing out '' after clicking the submit button. This not only indicates problems with the website itself but also poses a challenge when attempting to report these issues. Although Optum Bank provides a phone number for assistance, the majority of their representatives are located in foreign countries. Phone connections to these representatives are often noisy, jittery, and unstable, leading to frequent disconnections. Furthermore, the foreign-based representatives often struggle to understand US English, making it difficult to resolve problems over the phone.
Product: Credit card or prepaid card

after paying off my amazon store card the company closed my account without any warning I used my account and was in good standing and they just closed my account my credit score took a hit of 14 points I feel this is an unfair practice as COVID-19 is going on and they are closing accounts putting it customers in financial hardship when it comes to credit reporting scores
Product: Student loan

I am unable to get accurate information from My student loan servicing company, Navient. I have made multiple phone calls and spent hours on the phone trying to uncover why my payment reamortized in  XXXX  of  XXXX . In addition, the amount of interest paid to this loan is not inline with my original schedule of payments. I have requested the original loan documents and supporting documentation to calculate the true P & I. I 've been told by customer service at Navient that this information is not available. I have also complained to a supervisor promising that the information would be sent. My phone calls began last year and carried to  XXXX  of  XXXX . At this point, I have given up o n Navient and need support from another agency. Navient  is completely unethical and unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and XXXX XXXX I placed a call to XXXX and TransUnion Consumer Solutions. I informed them that it is inaccurate names, addresses, phone numbers, and employers information being wrongfully reported without my consent nor to my knowledge.
Product: Credit reporting or other personal consumer reports

the company is reporting wrong my personal information even when i sent to them my documents support to confirm they have the info wrong
Product: Checking or savings account

On XX/XX/2022 I used the CHIME bank 'Pay Anyone ' feature in an attempt to send money to my wife. 

I used her phone number, as this was an option given by the CHIME app. When I typed her number, her contact picture from my phone came up and I clicked on it. 

I sent the money and she never got it. 

Chime sent the money to another CHIME user who had my wife 's phone number previously. 

They have declined to reimburse me for their mistake.
Product: Checking or savings account

I reported the unauthorized withdrawals or money that was spent and shown in the transactions to my bank, Bank of America. I opened that account in XX/XX/2018 and there have been various amounts from XX/XX/2018 to the present. It's very stressful, sometimes it's only {$3.00} at a time or recently there was a charge to a night club that was about {$30.00}. They're very random and the amounts are odd so I really have to scrutinize to catch it. It was the same when I used XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEARS/CBNA # XXXX was used fraudulently
Product: Money transfer, virtual currency, or money service

XXXX requires the merchant to contact their bank that is connected to the feature ( Bank of America in my case ). Scammer 's XXXX  profile stats looked good, but I was scammed out of a deposit amount of {$370.00}, with an agreement that I pay the remaining balance in cash upon delivery of the cream colored sectional sofa she posted. I sent via XXXX to XXXX XXXX XXXX ( a roommate ) per " XXXX 's '' request I later found out XXXX resides at XXXX XXXX XXXX, XXXX, TX XXXX. Her phone is registered to XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX : ( XXXX ) XXXX XXXX $ XXXX XXXX  XXXX  : " XXXX '' $ XXXX XXXX  I am almost certain, " XXXX, '' " XXXX, '' and XXXX XXXX are all the same person, contrary to XXXX stating they were her roommates, whom of which would be helping load and deliver the furniture. XXXX initially responded via XXXX, but then messaged via text from ( XXXX ) XXXX. I won't be able to recover what I've lost today, but hopefully, I can prevent someone else from being scammed. Incident occurred on XX/XX/year> ( XXXX, GA )
Product: Credit reporting or other personal consumer reports

XXXX is still reporting a Deleted account that was deleted off my credit report. The Account name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CREDIT PROTECTION ASSOCIATION IS TRYING TO COLLECT $XXXX FOR UN-RETURNED CABLE EQUIPMENT TO BROADBAND CABLE.THE EQUIPMENT WAS RETURNED VIA CERTIFIED MAIL AND I HAVE THE RECEIPT. IN XX/XX/XXXX CREDIT PROTECTION ASSOCIATION COULD NOT VALIDATE THIS DEBT AND WAS REMOVED FROM MY CREDIT REPORT. IT HAS SINCE POPULATED AGAIN. I NEED THIS DEBT CLOSED AND REMOVED FROM MY CREDIT REPORT ASAP.