23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

U.S. Bank illegally opened an extended line of credit without our permission, nor with written authorization from the Non-Profit Organization ; The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was opened at a branch ( which has not been divulged ) under an EIN number that had expired 10 years ago and tenure and authority changed on the account. US Bank is now trying to collect a debt under an account that has been closed, and no longer active, ( since XXXX ) and refuses to cooperate by providing copies of the alleged Agreement they allegedly had with a signature of the responsible party of the Organization.

I am personally receiving debt collection calls at my home 2 x a day, XXXX XXXX  and XXXX XXXX  and I receive phone calls even on the week-ends. In the past I have written and tried to reach an understanding with many individuals even at the Headquarters in XXXX. I have been ignored, treated as if I did something terribly illegally wrong and US Bank is putting this burden from their inside mistakes on my shoulders. I am only a responsible Party of our Organization, not the owner. No written Debt Collection notification regarding our rights has been forthcoming. Therefore ; I ask, where is this paper work indicating who opened this line of credit and when? 
Here is the first contact made>>> Dispute regarding Extended Line of XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX  This is just to confirm that a dispute was sent yesterday for the following Business Account in regards to alleged " Extended Line of Credit '' No. # XXXX. 
I am confirming that XXXX XXXX, XXXX in XXXX Ohio Branch initiated the complaint. 
Please respond in kind as to what else may be required at this time and/or if the dispute was received. 

Thank You XXXX XXXX XXXX XXXX XXXX NO RESPONSE Second Contact made>>>On Friday, XX/XX/2022 at XXXX XXXX  EDT, XXXX XXXX XXXX wrote : In accordance to the Federal Investigators, your company US Bank has been ordered to refund all fees and monies owed to the abused account mentioned in this email for an extended line of credit that our organization nor myself as responsible party, agreed to in writing in accordance to Law. Unless authorized signatures are forthcoming we are allowed the refund of all fees and interest charged on the Line of Credit in the aforementioned account. Thank you.

Responsible Party, XXXX XXXX XXXX' In conclusion, We need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled and submitted on XXXX seperate dates an identity theft report to Experian, regarding the XXXX XXXX XXXX XXXX, Account number XXXX. 

They responded by sending a templete letter about verification and that they verified the debt. I submitted an indentity theft report, I didnt ask for verification, ( see letter i submitted ) they never did anything. They failed to do a reasonable investigation and they never provided me with proof of an investigation. they never took the fraudluant account off of my credit report even though it is not my account. The report on this account is inaccurate and does not belong to me. so it is impossible to verify what isnt mine to began with. that is impossible. Experian has a duty as a reporting agency, XXXX XXXXXXXX imposes the following duties : Accuracy Guidelines General Prohibition on Reporting inaccurate information Duty to correct and Update Information Duties After Notice of Dispute from Consumer. 

According to the Fair Credit Reporting Act " XXXX '' XXXX XXXXXXXX ( XXXX ) Block of information resulting from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Macys Citi bank card that is not mine it showed up on my XXXX report on XX/XX/XXXX I would like to remove this card from my file it is not mine
Product: Student loan

The servicer is insisting that their " system '' does not allow them to apply overpayments without creating a " paid ahead '' status. I do not consent to being in a " paid ahead '' status, and wish for my full monthly parent to be due, regardless of whether or not I've made an overpayment.
Product: Debt collection

This is a complaint against LendingClub, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Product: Debt collection

Someone is impersonating Pay Pal. They say I ordered an XXXX XXXX, which I never ordered. I have never done any business with Pay Pal. Here is the person who sent me this fraudulent email : XXXX XXXX XXXX The amount for the XXXX  is {$680.00} which I never ordered and never arrived.
Product: Debt collection

I was contacted by XXXX to collect a debt I already paid. Spoke to XXXX XXXX. She stated that a judgement against me. I called back spoke to XXXX XXXX he stated to fax my paperwork. XXXX then called me back to say there was no point. Don't call their office. Hung up on me. The phone number is XXXX XXXX
Product: Credit card

I was approved a XXXXXXXX XXXX XXXX XXXX  through Synchrony Bank sometimes around XX/XX/XXXX with a credit limit of {$1000.00}. Within five months of having the card Synchrony Bank lowered my Credit limit to {$800.00} for no reason other than information that was on my credit report when they approved the credit, No payments was missed or late within this five months time frame. I submitted a complaint with CFPB XXXX XXXXXXXX sometimes around XX/XX/XXXX for similar reasons but closing two accounts with XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX for the same reasons without any late or missed payments. 

I feel that Synchrony Bank is setup to approve credit for all qualified borrows to prevent being held accountable for unfair loan practices and to accumulate high interest rate and then close some account to profit off the consumer. They should not be allowed to take advantage of hard working Americans in this manner. i could understand if the consumer became some higher credit risk with in a time frame, But to monitor a consumer credit month to month looking for reasons to lower limits or close account after securing high interest rates is stealing or fraud. 

Conducting business like this also is a negative impact on a customer credit by changing their credit limits.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Good afternoon, My husband and I purchased a brand new car on XX/XX/XXXX of this year our car payments were 343 monthly. On the XXXX of XXXX they called us back into the dealership to resign our contract because we put down a larger down payment that by law we can not get gap insurance it was than lowered to 324 monthly. On this day of XX/XX/XXXX our car payment on the Wells Fargo app is still not fixed and they still charging us for gap insurance. The dealership and myself have been back and forth with this company and we are very frustrated with the company as it is a well known bank, how is this taking so long? This has been a very unprofessional experience with Wells Fargo. we are military and moving soon and really need this taken care of we are extremely disappointed in our journey with Wells Fargo as they weren't interested to get me in contact with someone who could help us in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Product: Debt collection

I did n't really know which option to select. The company, key2recovery, began calling me several times a day earlier this week. I received no written notice of a debt and, when I called to see what this was in regards to, found that they were attempting to collect on a time locked debt that is several years past the statute of limitations. 

Much more troubling, when they " verified '' my information, they read out the last four of my SSN and my date of birth and asked me to say yes or no as to whether the information was correct rather than asking me to provide this information. I am VERY uncomfortable that this organization is providing my personal information over the phone after I provided my name only ( which is n't even my legal name any longer ). They left the name on my voicemail, meaning that, if I had changed my phone number in the past 10 years, any random person who had been left this message could have called back, provided the name from the message, and been provided my SSN and DOB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights 15 U.S.C. 1681 Section 602A 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 with my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may maken any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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 XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NY XXXX
Product: Student loan

I have been making on time payments under the Income Driven payment plan since XXXX XXXX. I have submitted employment certification forms from each of the " qualifying '' employers, the most recent being sent XX/XX/XXXX. I contacted my loan servicer ( XXXX XXXX  ) requesting a detailed list / number of qualifying payments. Currently they have me credited with making 35 " Qualifying Payments Made ''. There  were a couple of periods when my account went into hold/forbarance when new IDR payment was being disputed/calculated. However, in general in my records I have made at least 10+ payments per year since XX/XX/XXXX. That is a considerable amount more than 35. Not sure if this is due to my loans being transferred from previous servicer to XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, the first problem is that the affiliation that reported a missed payment ( XXXX XXXX XXXX ) is not the affiliate in which I make payments to. I don't know if they were bought out, or my debt was sold, but either way, the payments that I make now are to XXXX XXXX XXXX. But for some reason its shows on my credit report as from XXXX XXXX XXXX. 
The second issue is that they reported me to the credit bureaus as being late in XX/XX/XXXX FIVE TIMES ( because I had 5 loans ) yet I was literally only late ONCE ; When I make payment to XXXX XXXX XXXX, they have those 5 loans combined to make ONE payment, not FIVE. This is killing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some fraudulent inquiries on my credit report I would like them removed XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX TRUIST BANK Inquiry : XXXX. XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

i have inquiries from these company, these inquiries not is mine, not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  ( inquiry XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Experian and XXXX XXXX XXXXXXXX. According to my credit report, I was reported as being 30 days late on my mortgage payment in XXXX of 2023. However, I have evidence to prove that this information is inaccurate. 
Despite making timely payments, their erroneous reporting has resulted in unjustified damage to my credit score. 
I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the Bureau to hold XXXX XXXX, XXXX, Experian and accountable for their failure to adhere to fair credit reporting practices. 
Please inform me of the steps you will take to address these complaints and the expected timeline for resolution. 
Thank you for your attention to this matter.
Product: Credit card

Please provide proof this account belongs to me, having just a first name and last name with an address that never belonged to me is fraud by your company. I never consented to this car or account being open in my name. If you can not provide proof please delete from my credit report.
Product: Credit reporting or other personal consumer reports

There are late payment errors in my credit report that misrepresent my usual payment reliability. I would like these corrected and my records updated.
Product: Money transfer, virtual currency, or money service

I have gotten an email from paypal today XX/XX/2021 that my account has been permanently block and they closed it because I have " violated user agreemnts '' and I didn't do anything new that might be considered as a violation of the user agreements the main problem is that I hold XXXX XXXX dollars on that account and my online business is going to be shattered if I dont get that money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to file a report with the Federal Trade Commission or at XXXX XXXX XXXX Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Product: Checking or savings account

Since August 30, 2024 I have been attempting to transfer my funds in my account to an external account and close my account. I've done all the necessary verifications and connected my accounts online. I am under the transfer limit. I have called and spoken to supervisors multiple times, who assure me that each time they have unblocked the transaction, confirmed my identity and in 1-3 days the transfer should be through. Each and every time, my transfer is being blocked for no reason that they can explain other than I need to identify myself for security reasons. In the meanwhile they are holding onto my money in limbo and not earning any interest. Money left my account on XX/XX/XXXX and has held by the bank until XX/XX/XXXX because my transfer was cancelled by the bank. The closest branch to me is XXXX miles away. They can not close my account because it requires a XXXX balance. I can not get to XXXX  balance because they are unable to transfer my funds. I should have easy access to my money if I meet all the criteria they are asking for - which I am. I should be given the interest that is due to me ( the rate at which the external bank was to give ) because they held my money for 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$790.00} DEPTEDXXXX XXXX Balance Owed : {$29000.00} DEPTEDXXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX XXXX Owed : {$4600.00}
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is back by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic persona information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX EQUIFAX is a financial institution by definition under that title. 
1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer Equifax and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all consent Equifax whether it be non-verbal, verbal, written, implied or otherwise revoked. 
15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliate third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that nondisclosed option. They never informed me of my rights to exercise that nondisclosures option. 
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 1681 ( b ) of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. Equifax and XXXX are consumer reporting agencies and I am the consumer.