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

By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that this above-mentioned account be permanently removed from my Early Warning System. Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft. I am requesting for this to be permanently removed from under my name and my credit report. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've disputed this collection agency a few times and it keeps coming back verified. This is not my account and it's hindering me from being able to buy a house. I don't have a clear understanding of this account in collections that's on my credit report called Monterey Collection sv.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX XXXX prior to moving overseas. I turned the equipment in and received a yellow slip confirming my return of the equipment. I satisfied the remaining balance and the company sold the account to AFNI, Inc. I've disputed this account with my credit bureaus and the company continues to come back saying the information is correct. I have no account with AFNI and have asked that they provide a signed agreement between their company and me if they will continue alleging this is a valid collection. 

XXXX XXXX XXXX XXXX : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account. 

XXXX XXXX : This is too old to be on my report. It was discharged in Chapter XXXX Bankruptcy 4 years ago and has inaccurate data.
Product: Credit card or prepaid card

Hello, I was charged the late fee and the interest in XXXX by Bank of America, I tried to call them to waive that for my first-time violation, but they refused. I feel very sorry and innocent for that, because I had a very good record before. 

I think that The Bank of America also had responsibility for that because I used to receive the bank statement in the mail before, so I could read and remind myself to return, but I haven't received that mails for some times, I am not sure if BOA switched from a paper statement to electronic statement in order to save the cost. 

Normally, the bank will give people at least one chance to recovery, this is my first time of late, I don't know why they refuse to waive the charge. 

Please help me to communicate with the bank to compensate for the loss. 

Thank you
Product: Student loan

I have been qualified for Public Service Loan Forgiveness since XX/XX/XXXX. My payment counts were incorrect and counted at 119 when they should have been beyond 120. Unfortunately, my loans were still transferred to XXXX causing me significant delay and hardship. I now have to wait for my loans to be accepted by XXXX, hope they also count my payments correctly and then resubmit my public service loan forgiveness form ( which I have submitted at least 3 times since XX/XX/XXXX ). This is going to cause unnecessary delay in my ability to get my loans paid off.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Product: Checking or savings account

I am getting tons of unsolicited emails from Citizens bank with no Opt Out option. 
They are in violation of anti spam laws. 
I tried calling them but no one can help me. 
I want to opt out of these emails.
Product: Money transfer, virtual currency, or money service

I made a Venmo account for my IRS refund to go to and I was trying to withdraw and transfer over money to my boyfriend and Venmo flagged my account they emailed me and asked for me to send in a picture of my ID I went ahead and sent them a picture and a few days later I received a email saying it could not be accepted I was asked to send in some more documentation and later that day before I got the chance to submit any of the documents I got another email stating that my account was permanently deactivated and my funds will be held for 180 days. They did not give me the chance to submit anything before they went ahead and deactivated my account. I have about XXXX in funds that I can not access they suspended my account on the XXXX of XXXX
Product: Credit reporting or other personal consumer reports

The 3 credit bureaus have my name listed multiple times and spelled incorrectly. My name is XXXX XXXX. I have sent copies of my name and social security card to no avail. I have also attached it here for your review. 

All of the 3 credit bureaus have the following spellings for my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These spellings do not belong to me.
Product: Checking or savings account

I am writing to file a complaint against navy 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 funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report that have resulted from a data breach. It has come to my attention that unauthorized access to my personal information has led to fraudulent activities and incorrect entries on my credit report. -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- I request that the fraudulent or inaccurate information resulting from the 2017 XXXX data breach be thoroughly investigated and removed from my credit report. Additionally, I would appreciate a corrected copy of my credit report once the inaccuracies have been addressed. 15 USC 1681 all unverified information must be removed, was promised accuracy under federal law.
Product: Credit card or prepaid card

I filed a complaint about the fixed rate account suddenly becoming a variable rate account and chase is going to double the interest rate for new purchases after XX/XX/XXXX ID # XXXX. Chase closed this without doing anything and RETALIATED AGAINST ME without abiding by the 45 days RULE of LAW and against the written 45 days notice required by law. It states transactions made BEFORE XX/XX/XXXX : The current APRs will continue to apply to these transactions. it states ALL changes take effect XX/XX/XXXX. Chase increased my intererest rate from XX/XX/XXXX intererest rate of 5.90 % APR to 6.15 % APR interest rate in XX/XX/XXXX .... PRIOR to the 45 days RULE of XX/XX/XXXX. 

Chase also RETALIATED AGAINST ME regarding my HEARING XXXX. Without ever answering my phone calls or calling me back after the first phone call to me. I kept just leaving voicemails. Then they RESTRICTED ME to WRITTEN communication only through the mail and DENIED me the ability to contact them by phone, text or email messages. The hearing XXXX rely on text and email messages and WITHOUT getting my permission at all, then they wrote saying that all future communication is only by written communication SUPPOSEDLY with my permission which I never gave at all. 

So they increased my intererest rate prior to the 45 days RULE of LAW of XX/XX/XXXX from 5.90 % to 6.15 % and restricted me without my permission to written communication only as RETALIATION for my complaint on XX/XX/XXXX. See enclosed photos.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed My Account With Capital One Credit paid in full Card 6-9 Month ago and cut up the card .now I'm getting reports from capital one in the name of XXXX XXXX stating to Visit the Alerts section of XXXX  from Capital One such as Heads up : A lender reported that the status of your account delinquent Account as well as View your alerts for credit report changes, use of your SSN with a different name or address, or dark web activity associated with your identity.

Stating I Have derogatory status I Paid all Creditor except New mortgage i explain to creditors i need 30-60- days to pay off Car Payment plus all credit card which I did XX/XX/XXXX Email Found on Dark Web XXXX XX/XX/XXXX Breached Site : XXXX Password : Not Exposed Your email has been exposed on the dark web. Don't worry, we'll help you get through this. Before you take action, be sure to review all the information below. 

also Date found on dark web XX/XX/XXXX What should I do? 
You should reset the password for your email account along with any other accounts associated with your email address. Tap on the " Let 's Take Action '' button to learn more about creating strong passwords and checking for signs of fraudulent activity. 
Why am I getting this alert? 
Helping you keep tabs on your personal information is a top priority, so we'll regularly scan the dark web for your SSN and email address. We'll send you an alert if we find your SSN or email somewhere suspicious. Learn more about alerts. 
The only person causing this problem is a company I paid off months ago XXXX XXXX XXXX Account Balance {$25000.00} paid in full XXXX Paid In full as agreed XXXX   XXXX XXXX Account Balance {$25000.00} -- Paid In full as agreed XXXX XXXX XXXX Account Balance {$1700.00} Paid In full as agreed XXXX XXXX XXXX XXXX paid off by new owners New Account XXXX XXXX  XXXX Please correct this Error with this company or Dark Web
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all the Credit Bureaus/Agencies ( XXXX, XXXX ) and the creditor ( 1st Metro Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.
Product: Debt collection

JPMorgan Chase  attempted to contact me regarding a credit card debt collection on another person 's phone number, without permission or my providing that person 's phone number.
Product: Credit card

My wife went shopping at Best Buy, at the check out the check out person asked if she had her rewards card, my wife replied no thinking it was common practice to give the cashier your phone number to receive what ever discounts were available. Cashier asked her phone number and her address but when she politely gave her ssn number she caught herself a second to late. When she came home and told me about it I said something was n't right. After being warned never to give out to much information she was worried. Sure enough, we called the store the same night, only about 1 hour later and found out she was to receive a credit card. She did not want it so she denied she applied for credit and asked for the process to stop. Store insisted that they could not reverse the application and it had already went through. I checked our fico score only to find out that not only her credit was affected but mine as well for a closed account. We called again asking how did we close a account which we never receive a card or applied for XXXX all in a manner of 1 hour of time. But they did not want to help, I found out that the cashiers are pushed to open new accounts. I was n't even there and my credit score got hit by XXXX points for closing a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a company by the name of lvnv funding stating i owe then for account that i never had that was XXXX XXXX amount XXXX lvnv funding XXXX XX/XX/XXXX another account that is fraud XXXX XXXX XX/XX/XXXX amount is XXXX and XXXX adjustment XX/XX/XXXX amount XXXX
Product: Credit card or prepaid card

This was with my XXXX XXXX Account ending in XXXX XXXX XXXX. I had fradulant charges in this amount of {$440.00} on the statement ending XX/XX/XXXX and {$130.00} on the statement ending on XX/XX/XXXX. 

I was issued a credit of {$230.00} on XX/XX/XXXX and {$210.00} on the XX/XX/XXXX statement. 

This leaves a balance of {$120.00} of fradlant charges on my account. I have written them twice about this matter and they reply " we consider your claim resolved and we are closing out file '' I have written them many times regarding this matter.
Product: Credit card

On XXXX XXXX, 2015 I applied for the US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was instantly approved. I was charged the annual fee of {$75.00} soon after. At the beginning of XXXX, US Bank announced that as of XXXX XXXX the Bonus Award Nights feature would be gone. This kind of devalued the program by a half. 

Planning for a trip to XXXX in XXXX I decided to go for another US Bank Club Carlson Premier Rewards Visa Signature Card in order to get enough points before the Bonus Award Nights benefit was discontinued. I applied for the new card on XX/XX/2015. The application was then under review. 

I called the reconsideration line the next week. The agent said my application was turned down and all of my XXXX existing US Bank credit cards were closed as well. I tried to reason with him. He gave me a number of the security department or something to call. The XXXX agent rejected my appeal as well despite the fact that I have a clean credit report and I had been a customer of US Bank for a year. The reason she gave was that I had too many newly open credit lines and they thought I am too risky of a customer. 

I can not accept arbitration like this. If they thought I am too risky as a customer, why did they approve me in the first place? How could the rejection of a new application lead to the closure of all existing cards? The fact is I had a new charge card in XXXX and XXXX new credit cards in XXXX including XXXX US Bank credit cards ( more can be said about this ). All the other banks are fine with it since I always make payments on time. 

What I try to argue is that US Bank can not take my annual fee and then remove the card benefits that were promised upon approval soon after. Besides they can not close all my cards for arbitrary reasons two months after they take my annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my report that was removed that keeps coming back up is INSANE!! XXXX finally reported on XX/XX/XXXX that they removed it and then on XX/XX/XXXX put it back on there!!! Same thing goes for the XXXX XXXX XXXX account. I have attached the evidence! I am SICK OF THIS NONSENSE!!! THEY KEEP SAYING FOR ME TO PAY MY BILLS ON TIME YET I HAVE ZERO DELINQUENT ACCOUNTS AND 100 % PAYMENT HISTORY! I have already filed complaints regarding XXXX and XXXX with the FTC for fraud.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX I discovered that there were charges on my report that did not belong to me. They are listed as follows : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$0.00} I have notified the reporting agencies of the incident. I have filed a report with Identitytheft.gov, and have filed a police report. 

I have also requested to have the information blocked, to no avail. The next step is litigation.
Product: Credit card or prepaid card

American Express had requested and received a notarized ID Verification form which cost me an out of pocket expense of {$25.00} and nearly 6 hours waiting to locate a notary online. American Express found this unacceptable even though they do this themselves and told me I had to do it at a XXXX XXXX. 

I went to a XXXX XXXX with Notary today ( XX/XX/22 ) and got another copy of the document for ID Verification notarized with a California Affidavit attached and sent it to American Express. Out of pocket expense : {$15.00}. 

Contacted by American Express today twice and was told very little information other than they got the notarized documents and affidavit but still want me to go to another XXXX store and get the document notarized a third time plus they now want a copy of my drivers license and social security card. 

To make matters worse, this is all on a 15 day ticking clock. 

I sincerely believe I am being led on by American Express and simply want the right to use my Platinum Card I justifiably applied and was approved for without anymore security concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX upon moving from XXXX  to XXXX, I was told by my bank, XXXX XXXX XXXX XXXX, that I would be able to conduct banking at a large number of credit unions and would not need to close my account. Once I arrived in XXXX  and tried to make a deposit, I was told that I was not approved to make deposits out of state. This resulted in my account becoming overdrawn and I had no way to bring the account up-to-date unless I traveled to XXXX, which was not possible at the time. 

So, the checking account went to collections. In XXXX of XXXX, the bank finally decided I could mail a check to an address in XXXX  to clear the account. So, I did so and received a letter back from the bank showing it was paid in full. 

However, the account was and is still showing twice on my credit reports. Both entries show the same account number. However, one shows when my account was actually opened in XXXX and the other shows an account was opened in XXXX ( 16 years before I was even born ). I've tried multiple times to get them to remove the second entry and have disputed it with the credit bureaus several times. 

On my latest dispute, the bank reported to Equifax on XX/XX/XXXX that this account now reported a late payment in XX/XX/XXXX. How could I have late payments on a checking account that was paid in full in XX/XX/XXXX and has been closed since XXXX? How can payments even be made on a checking account? All of the reported data is incorrect. The two entries on the credit report even show the same account number being opened on different dates. 

I have been fighting to have this removed for nearly six years now. I can provide the paid in full letter as well as show the incorrect credit report as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have a dispute with XXXX XXXX regarding this debt being expired. Instead of them correcting the error they went an updated the account with an unverified delinquent payment date to continue to report after the 7 years statute of limitations have expired for this debt. This is an intentional error and they have not corrected or provided proof of debt as requested.
Product: Credit reporting or other personal consumer reports

Hello There! 

I recently read through a copy of my credit report and I saw addresses on there that are not correct. I looked up your website and I have enclosed proof of my current address that you require.

Here is a list of the incorrect addresses, please remove them : The only address that should be listed is shown at the top of this letter. I also would like for you tocorrect the spelling of my name. There should absolutely not be any variations of my namebecause it is spelled one way. I have enclosed my ID as proof of the correctspelling. 

Again, here is a list of the incorrect spellings : Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX - This employer information does not belong to me.
Product: Credit reporting or other personal consumer reports

Bank XXXX XXXX. XXXX Discover financial ser XXXX Bank of XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions i have contacted equifax about that i am paying for their service and am unable to view my credit Score on the app or on line and each time i call I have been on the phone for well over an hour ( closer to 2 hours ) wich has not ended in a resalution any of the times .The only responce i recieve is that they will escalate my claim and in 6 to 7 days i will hear from a member of that team, well going on a month now and no responce, and it seems weather im calling about the inability to use the app that im paying for i get really disgruntled, so much so a woman by the name of XXXX told me that she was as large of a supervisor that their was and there lwasnt any one higher than her not believing but with no other recourse i concided When I filed the FTC police report i never recieved notification of them recieving it ( nor did the other 2 bureau ) I had to call to and ask to find out if it had been recieved.and to futher aggrivate with equifax and the other 2 bureau ( XXXX and XXXX XXXX all 3 refused to honor the FCRA rights i am granted by the FCRA where 605 ( b ) states upon reciept of the police report the credit reporting agency SHALL block the files in question until the investigation is complete I have repeditivly asked and been told NOeven after expressing to them that i wouold file a complaint with the FTC and the CFPB and were told verbattem '' so what '' It is in my opinion that someone at equifax is intentionally causing negitives to happen the same files from the same companies have been being disputed at the same time and equifax is the only bureau to move my score down by nearly 100 pts in a day, with only so much as a comment being changed on my report i would understand if new collections were being added or delinquint accounts but there is XXXX  the only thing at all that changes is a discription or words no removal or addition to accounts, and i have been hung uop on when asking about this or to speak to managment about it the amount of damage this does when attempting to aquire new personal or business credit is insane it constantly has me adding new inquires to my account for nothing how can they just get away with this.I am incloseing pictues othe fluctuation of their score singly and in refrance to the other bureaus and the entire time all of the bureaus have been working on all of the exact safe files .but they are the only bureau to do this to me, along with a screenshot of the app where i have not been able to view my credit score for almost a month but i pay for it ******picture of fico scores just know my equifax score was XXXX the day XXXX and no more negitive accounts were added