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

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXX of corrections made to the disputed items. 
XXXX that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX & XXXX XXXX XXXX
Product: Credit card

Please review the attached documents. I request the bureau to start an investigation into these accounts, as I am never late, yet they are reporting me as such.
Product: Checking or savings account

My debit card was stolen without my consent or knowledge on Sunday morning at around XXXX XX/XX/XXXX from a XXXX XXXX. Following it being missing 3 unauthorized ATM withdrawls happened and at 3 different ATMS all over the XXXX XXXX. ( Areas I have never been to or make purchases ) I did not have my card at this point nor knew it was even stolen until the following Monday morning. The Bank even reported it as being unusual or suspicious activity but has denied the claim all together and is refusing to credit the funds. According to Wells Fargo there are no indicators of it being fraudulent, even though I submitted a claim, reported it and they did little to no investigation. I spoke to several claim supervisors that said there was nothing that can be done and they will be denying the claim from here on out. I am prepared to hire a private investigator to look further into this matter. I have locations of the three ATMS and not sure if there is any video evidence they can obtain. But Wells Fargo is not taking this investigation seriously and has not provided any help, action, or reimbursement of my funds being unauthorized dispursed from an ATM without my knowledge. 

XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX This is the alert they sent me. Which I then verified. Then they denied my claim and said they can not credit me back the money stolen from my account : Subject : We've detected some unusual card activity From : Fraud Detection XX/XX/XXXX XXXX AM This message was sent with high priority Contact Us Action required : Please review recent card activit
Product: Credit card

American Express has decreased my credit line - which in essence increases the minimum monthly amount due and may possibly cause other creditors to do the same.
Product: Credit card or prepaid card

I am the durable power of attorney for my mother. She has XXXX XXXX and was declared by her doctors on X/X/17 to be incapable of conducting her own affairs. The doctor supplied documentation to that effect. That documentation as well as the POA paperwork was supplied to USAA where she holds a credit card account. Despite notations on her account that no changes are to be made without authorization by the POA, changes have been made on a daily basis per her request with no effort whatsoever to contact the POA. I have been told on multiple occasions that despite the supporting documents, she as a member, still has a right to authorize changes. This is catagorically incorrect. This is a woman who had the foresight to put measures in place while she was sound of mind, to see to it that she and her finances were protected-even from herself. Call center staff are making their own decisions with regard to the legality of the situation and are putting she and her finances at tremendous risk. I do n't know how to stop it since I have been informed that there is no way to eliminate her membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and XXXX, and I am pleading with you to remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 33 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 27 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 3. Transunion never reported the fraudulent account on my Transunion credit report, HOWEVER, Transunion adjusted my credit score with them based on XXXX and XXXX reporting a 'new collection/major derogatory account '. Consequently, my credit score with Transunion dropped from XXXX to XXXX. ***Seems something inherently wrong with Transunion dropping my credit score with them based not on what was being reported on my Transunion credit report but rather what was being reported by the other two reporting agencies****. Regardless, neither XXXX, XXXX or Transunion have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.
Product: Debt collection

I've contacted XXXX XXXX XXXX / Bureaus Investment Group about a XXXX  XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but Bureaus Investment Group has added it back to my credit profile with themselves listed as the creditor.
Product: Checking or savings account

Last year in XXXX or XXXX, I took a vacation to XXXX XXXX. While there, my debit card was compromised around {$1700.00}. I contacted the bank as soon as i was aware, made a claim, and they then stopped and issued me a new debit card. After months of trying to get my money back, the bank denied the claim stating that it could not have been fraud use because the card was swiped and the chip ( and/or ), my PIN number was used. The transactions that were placed were no where near XXXX where I was staying, and yet, they still denied the claim. Last week, I noticed where some travel agency ( appears to be the same people that committed the fraud last year did it once again, but this time only charged my debit card {$99.00} 2 times. I was told I would receive an email and a phone about my claim and complaint about last years claim as well as the current one, and I still have not received either. This is only 4th fraud claim in 10 years, and they have denied everyone of them. I tired pulling my money out of my account in order to open a new account with a different bank, but was told I was not allowed until the claim has been fully investigated and the claims department has made a claims decision.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I tried to add some funds to my cash App account. I was unable to add funds. went to log into my account and slapped with your account is closed. no other information. Called and also typed to the AI assistant who is no help BTW. No one could tell me why my accounts were closed until 3 months later they gave another XXXX, untrue statement about my accounts. Its their server that went through my information and well with the programming issues. this company doesn't want to admit that they are wrong and were unable to fix the issue. I asked repeatedly for a supervisor to contact me. no a soul will communicate with anyone who uses their service. they say I gambled. Not sure how you gamble on Cash App? I live near casinos I used to work at them. I would like to see my account back open since its easier for my boyfriend to send funds to me while at work. I don't understand who thinks we are children but its pretty childless when I can't even get a phone call or a email explaining why. poor business and very poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've tried over and over again to have the credit agencies to remove these accounts because the statute of limitations has expired. Listed below are the accounts that are reporting and should be removed according to the CRA. 

XXXX Account # : XXXX Account Type - Detail : FHA real estate mortgage. Date Opened : XX/XX/XXXX XXXX XXXX : {$310000.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXXXXXX Account Type - Detail : Rental agreement Date Opened : XX/XX/XXXX XXXX XXXX XXXX  {$920.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX Account Type - Detail : Educational Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of  consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

Wells Fargo released the lien on this vehicle and gave me the Title after a year of trying to get them to pick it up. They deemed it not valuable or resellable due to the odometer rollback by XXXX dealership before my purchasing. They were the reason I was filing Chapter XXXX because the discharge Wells Fargo put on my credit XX/XX/2018. I'm enclosing a copy of the lien Release from Wells Fargo and the bill. I called and spoke to a XXXX XXXX who told me '' he didn't care about a lien release I stilled owed the debt and that I was not special who did I think was nobody gets a release for free this needed to be paid that I drove the car and used up its value!
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019, I discovered that my personal information has been misused by an act of an identity theft crime. The problem was reported to all three credit bureaus as soon as I discovered fraudulent financial activities using my personal information. 
Exactly, seven credit card accounts were made using my identity and I reported each accounts to credit bureaus and requested removal and suppression of inaccurate accounts ' information from my credit report. 
I successfully filed two separate identity theft reports, FTC and local law enforcement, and submitted to credit bureaus. 
Unfortunately, XXXX  and Trans Union credit reporting agencies are not honoring official identity theft reports from two different law enforcement agencies and still reporting few fraudulent accounts ' information on my credit report. 
I am very concerned about their illegal action towards me. Neither XXXX  and Trans Union did not submit any significant proof that accounts belong to me, and creditors did not provide any result of their investigations nor the method of verification. 
I requested to see who approved these accounts, who witnessed myself creating these account, and who witnessed using these accounts for myself. 
Both parties are violating FCRA and continuing to post inaccurate accounts ' information on my credit report. 
Please advise them to remove all of fraudulent accounts that are currently being posted on my XXXX  and Trans Union credit report. I will attach each copies of police report and FTC identity theft report to CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX These accounts are still being fraudulently reported on my credit report.
Product: Student loan

XX/XX/year>, I updated my XXXX on the XXXX XXXX XXXX website. I lost my job the day before and went to an income of {$0.00}. I was placed into forbearance why the recalculation occurred. During the two weeks I had to have my husband update his earning because we file taxes jointly and provide additional information. My new XXXX payment was recalculated to {$0.00}. 
XX/XX/year>, XXXX XXXX XXXX confirmed via email that I updated information. Confirmed XXXX 
XX/XX/year>, XXXX placed me into administrative forbearance. 
XX/XX/year>, XXXX placed into administrative forbearance. 
I was at {$0.00} repayment from XX/XX/year>- XX/XX/year>. 
XX/XX/year> - My new loan servicer - Aidvantage- took {$410.00} from my account. I was not issued a notice of loan repayment start, I was not issued a notice of what my expected payment would be or the opportunity to petition. I am currently under-employed, far below what I use to make, but the {$410.00} is what my payment on XXXX was prior to me losing my XXXX job. 
XX/XX/year> - I reached out to Aidvantage. After waiting on hold to speak to someone, I reached Aidvantage representative XXXX. I explained to XXXX that I was up until recently unemployed and am now underemployed. I asked for my funds to be returned and to be placed on a proper XXXX payment plan. XXXX blamed my bank and said I should reach out to my bank. He said my account is shown as delinquent on their end, even though my bank account shows a now posted transaction. I explained to XXXX that my funds have been withdrawn and that I should not be paying anywhere near what I was charged by Aidvantage. I requested Aidvantage provide me with documentation to show me how they calculated my new repayment amount and to explain to me what information they received from my previous loan servicer ( XXXX ). The Aidvantage customer representative said he could assist there. He lied. He placed me on a hold for XXXX minutes before pushing my call to an end of call survey. I gave them the worst rating possible. The call was then terminated on their end. Aidvantage did not follow proper notice procedures. Aidvantage is ignoring my updated income based recalculation from XXXX. I am severely overpaying my student loans, I am {$410.00} dollars short, all the while on their end, they list me as delinquent on a payment I should have never had to make. Please help me get further information and resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 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

TransUnion failed to give me the method of verification on accounts XXXX XXXX XXXX and XXXX XXXX
Product: Checking or savings account

I originally had an account with XXXX for almost 20 years. This was taken over by Citizens bank. 
Because I am now resident overseas they will not allow me access to my account by internet or app because I don't have a US telephone number. I previously had access by internet. 
Recently I was sent a new debit card. I tried to activate it by telephone as requested but my pin number was rejected ( even though I used my correct and current pin ). 
I was put through to an operator who said the only way I could activate it was to visit a branch in the United States with the passport I used when I opened the account XXXX  years ago. 
I pointed out the passport has long since expired and that it is inpractible to visit the US at the moment. 
I asked for another method to activate my card but was told there is no alternative in my situation. 
I would like this issue resolved by giving me access to either the mobile app or internet access. Or at the very least activate my card so I can access funds in my account.
Product: Checking or savings account

Suntrust Bank opened several fraudulent accounts in my name by someone who stole my identity. I have made Suntrust bank aware that these accounts were opened as a result of fraud, but they have done nothing to resolve this matter. They are reporting to XXXX XXXX XXXX agency that I have had derogatory accounts with them, when I in fact have never had any accounts with Suntrust Bank. I was the victim of identity theft in 2010 and every since then I have had multiple bank accounts, credit card accounts, and other accounts established in my name by the person who stole my information. I have contacted Suntrust bank multiple times and made them aware of this situation but they have done absolutely nothing to resolve this. They continue to ignore my requests to remove these fraudulent accounts out of my name, and continue to defame my character by reporting this fraudulent information to XXXX XXXX XXXX when they know and have been told in writing, and by phone that these accounts are fraudulent.
XXXX XXXX has also been made aware that these two accounts were fraudulent but they have done nothing to resolve this matter either. They tell me to contact Suntrust Bank, and I have done that countless times, but it is them that is reporting this fraudulent information to other creditors that is causing me not to be able to open accounts in my name. XXXX XXXX XXXX has informed me that they will not stop disseminating this fraudulent information unless Suntrust Bank tells them not to.
Both Suntrust Bank and XXXX XXXX are complicit in defaming my character and ruining my ability to obtain banking products in my name due to these fraudulent accounts that were opened in my name with out my knowledge or permission. They have both been informed of this matter and neither of them have been willing to assist me in removing this fraudulent information from my names and this constitutes a violation of the laws that govern credit reporting.
Account Number XXXX Routing XXXX
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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, XXXX ) credit report, and Ive noticed some late payments posted on my credit report. 

( Account- XXXX  XXXX XXXX XXXX Report # XXXX ) Your company is in clear violation of the law ; Under 15 USC 1681 ( b ) permissible purpose of consumer reports, The Law Clearly States : ( a ) In General : 1 ) -Subject in subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) -In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( A ) ( I ) exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681 s 3 of this title, any- ( I ) Report containing information solely as to transactions or experience between the consumer and the person making the report Please DELETE the above late payments from my consumer credit report as this agency is in violation of 15 USC 1681 per The Fair Credit Reporting Act.

Failure to respond satisfactorily with deletion of the above referenced account ( s ) late payments, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 1 ) Defamation of Character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practice Act 15 USC 1692 ( G ) violations 4 ) Fair Credit Reporting Act 15 USC 1681, violations for willful noncompliance- 616. Civil liability for willful noncompliance ( 15 USC 1681 n ) Best Regards
Product: Credit card or prepaid card

I see my credit card increase every month I dont know the reason I have a limit of XXXX $ but I have to pay XXXX $ now why? I paid monthly payment during the day I dont expect to pay this much.im unemployment my credit score decreased.
Product: Mortgage

I made a mortgage payment of {$1400.00} on XX/XX/2022 and another payment of {$1400.00} on XX/XX/2022 and received my regular confirmation and receipt via email from Home Loan Serv company. Home loan Serv is still alleging that i did not make my payments even after i have sent them multiple letters and proof ( via certified mail # XXXX, # XXXX and # XXXX ) - stating otherwise and now they are charging me extra fees and have blocked my account so i can not continue to make my payments, causing me stress and they continue to report negative things to credit reporting agencies. I have told them to stop reporting all my information to all third parties but they continue to do so and refuse to rectify this billing error.
Product: Checking or savings account

You didn't actually have any categories that fit my complaint so I hope this ends up in the right queue. My complaint is against Bank of America ( BofA ) and XXXX for implementing XXXX policies. Both of these companies took taxpayer money to bail them out of trouble during the banking crisis and they have no right to discriminate against customers just because they support the second amendment. This is bigotry and it's wrong when we haven't done anything wrong. I actually bank at BoA and now I have to worry if they'll start causing problems for me due to my XXXX activities or if I attempt to buy a gun. I've heard that most of the XXXX discrimination is against XXXX   manufacturers but that still doesn't make it right and if that discrimination is allowed then they may start infringing on the personal rights of their customers.