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

The inquiries below does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI
Product: Debt collection

I sent a validation of debt claim to CITIZENS FINANCIAL GROUP INC. Which they disregarded and never responded. I have my documents for proof with certified mail receipts. The validation notice certified mail number is XXXX XXXX XXXX XXXX XXXX. I specifically notified them to give me the name and address of the original creditor, and the origins of the funds to show proof that they are owed the debt. I also instructed them to cease all and any attempts to contact me unless they were able to complete the task they were given. They totally ignored my instructions by contacting me via telephone call. my problem with all of this is that if CITIZENS FINANCIAL GROUP INC. Claims I owe them a debt then why is it so hard to do these simple things, like furnishing the proof that I owe the debt. According to 15 USC 1692g they have to submit these documents to me which I informed them of. keep in mind that acquiescence is default by its very nature.
Product: Checking or savings account

I am the representative payee for my mother. Her social security and pension are paid into a rep payee account. ( See SS website if you don't know what that is : https : //www.ssa.gov/payee/faqrep.htm ). 
She is NOT suppose to have direct access to the money in this account. Her SS check, when it was issued in paper, was made to me for her. For her check to be sent direct deposit, her account needed to be set up as a representative payee account ... so she can not access the money directly. 

Her account is with Bank of America ( Just to be clear, the account is link with MY other accounts. I am the ONLY one should have access to the account. ) On several dates she was able to go into the bank and withdraw cash from the account with a deposit slip from a live teller. ( She then used the cash to buy gift cards she sent to a scammer. ) Dates and amounts are listed below : XX/XX/2021 {$140.00} XX/XX/2021 {$340.00} XX/XX/2021 {$500.00} XX/XX/2021 {$200.00} XX/XX/2021 {$350.00} XX/XX/2021 {$310.00} XX/XX/2021 {$160.00} XX/XX/2021 {$500.00} XX/XX/2021 {$200.00} XX/XX/2021 {$150.00} I called BoA fraud line- because I couldn't find a more appropriate number to call. They lead me to believe it was a joint account. ( Which confused me. ) On XX/XX/2021, I went to the BoA branch where she made the withdraws. ( At the time, I had only spotted the last 3. ) After further confusion, we were told the account was already a Rep payee account and the withdraws should not have been allowed. The bank manager gave me her card. 

Since then I have heard nothing from the branch. I tried to email both the bank manager and the associated I spoke to on XX/XX/XXXX. The bank manager 's email was 'undeliverable ' and there was no reply from the associate. Calls to the branch are not answered and the phone number on the business card dose not lead to either of them -- or anyone at the branch. That branch is currently closed for an unknown reason so it may explain the lack of response. 

On XX/XX/XXXX, I called BoA help line agin. I kept being transferred to different departs and none of them seemed to know anything about 'Representative payee ' accounts. 
Several told me I needed to go in in person ( which I have already done ). I asked what I was suppose to ask for in-person. At least 2 people told me my mom 's name needed to come off the account. I told them this wouldn't work and if they were incapable of managing a Rep Payee account they needed to tell me ( I can't being told it wasn't their department ). No one was able to tell me how to ensure my mother could not make further cash withdraws. ( They are treating it like a joint account. ) At one point I was transferred to the fraud center to submit a claim. The rep in the fraud dept said it would likely be deigned because my mother 's name was on the account. ( I have not yet filed a claim. )
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/XXXX
Product: Debt collection

This finance company keeps repeatly calling me at work even though I have told them I can not receive phone calls on my job and to please stop.
Product: Credit card or prepaid card

XXXXXXXX XXXX Capitol One, and XXXX money still sending credit and loan pre-approvals through the mail even though I am opted out of mailings for offers on the websites of each company and on pre-screen opt out.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 in XX/XX/year> 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. 

This company 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, credit repair services, or other personal consumer reports

This complaint is regarding an account on my credit report from XXXX XXXX XXXX of {$10000.00}. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified.

I have sent 4 letters to Transunion starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ). 

Under the FCRA, unverified accounts must be removed if Transunion is unable to provide a copy of verifiable proof. Their response was that the account is " verified '', but no hard evidence going all the way back to the ORIGINAL creditor and no verifiable proof were provided. 
On XX/XX/XXXX I sent my second written request to them asking for a description of the procedures used to determine the accuracy of this account. Transunion did not provide me with any hard copy documentation showing that they properly verified this account and although under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified '', they did not delete the account, instead I received the same response- verified- without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Transunion, asking them to delete this account as they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, they did not provide the method of verification as required under section 611 ( a ) ( 7 ). 
. 
On XX/XX/XXXX I sent my 4th written letter to Transunion because the account is still on my credit report unverified.Again, I did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. Section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted All my letters have been signed by a notary agent and have been sent certified mail with signed return receipt.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, XXXX  XXXX XXXX unilaterally closed my checking account. The bank explained that it has such a right according to the agreement. 
In XX/XX/XXXX, XXXX XXXX  closed my checking account in the same way. In both cases, the banks did not ask me about any suspicious transactions and did not ask me any questions. 

In XX/XX/XXXX, I tried to open accounts with the following banks : XXXX XXXX, XXXX, XXXX. And I got rejected everywhere. I assume that there is negative information about me somewhere. But I do not know what kind of information it is. 

I am deeply convinced that I have never engaged in any criminal activity or participated in questionable operations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent XXXX data breach and may have gotten compromised by the breach.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX refused to send me a letter to inform the credit bureaus that they are reporting inaccurate information on my credit report file, I contacted XXXX XXXX on XXXX XXXX 2024 about a automobile loan I have paid off, that wasnt reported as charge off as the credit bureau is reporting that the account is listed in charge off with a balance the account XXXX  XXXX I informed XXXX XXXX the credit bureau are reporting this account as listed as charge off with a balance, I spoke to XXXX XXXX employees XXXX and XXXX they both informed me that this account wasnt reported as charge off with a balance but they refused to send out me a letter to send to the credit bureau so that this error can be corrected
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit. Please remove immediately Look at how this is reporting. No payment history since the opening day. Remove for inaccuraciesXXXX 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  PAYMENT HISTORY XXXX XXXX XXXX XXXX  No data for this period - Data Unavailable Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$870.00} Original balance XXXX XXXX Monthly payment-
Product: Credit card or prepaid card

payment was 30 day late in XXXX XXXX have had the card for 3 years and that was the only late dealing with start of covid 19 and postal service. call them to see if they could give a one time courtesy. but was informed i had to go through credit dispute proscess
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by my bank Wells Fargo that My account had some charges that came off as fraudulent. I confirmed they were not authorized and from then on Had to visit a branch to restrict/Suspend all accounts, Credit cards, and Online Banking with Wells Fargo . Assuming they were all frozen-on Saturday XX/XX/XXXX I received an email stating I had enrolled in online banking, opened a new checking account, opened a new loan and did a cash advance which was transferred to the new fraudulent account. Which was then XXXX out to an XXXX XXXX Phone Number XXXX. I quickly called the bank and told them I was told everything would be frozen. They notified me that some accounts didn't have the proper restrictions on them. From there I realized Wells Fargo was irresponsible and this was spreading like wild fire. They were also able to call in and change my KYC info over the phone just because they were able to verify my social which was compromised. I installed XXXX XXXX I have a service enabled on My XXXX XXXX Mobile App called XXXX XXXX which monitors your credit. On XX/XX/XXXX I was notified that a new credit card was applied for and my credit had been pulled. I found out that someone had gone in to an XXXX store in XXXX, CA and applied for a XXXX XXXX credit card. When I called the location, they mentioned they always check ID for a credit card application. This thief had also gone to XXXX in XXXX, CA to open a XXXX XXXX XXXX in my name and had linked my Checking accounts with them. XXXX mentioned they had my ID same DL # Same address and info. I went ahead and installed XXXX as well as XXXX XXXX to lock and freeze my credit and also alerted the Police through a police report. They have gotten in to my Bank accounts at Wells Fargo and charged almost {$3000.00} in fraudulent charges. Everything is currently being investigated. There is a fake Copy of my ID with these thieves and they also have my SSN number. Attached you will find all the documents from Wells Fargo as well as the fraud credit cards that were open in my name. I will also attach the police report. There is a possible suspect XXXX XXXX phone number XXXX or XXXX These numbers were linked to the XXXX account they transferred funds to from my Wells Fargo Account. 

Attached you will find an official police report from the XXXX XXXX with all the information as well as case number. 
With the following reports I was able to report theft and fraud on all my credit bureaus as well as the DMV where they helped me apply for A new Drivers License and put a lock on my personal information for 12 months to deter fraud. 
This Loan at Wells Fargo is not valid and was not authorized or initiated by me. It was a part of the fraud and was opened by the fraudsters using my information that was compromised. 


After all this hard work and investigation and Wells Fargo even deeming me not responsible for the credit card charges as well as the debit card transactions, they are still finding me responsible for this personal loan that was applied for with my info that I had no idea of
Product: Vehicle loan or lease

While I was in Texas again the vehicle listed on my credit during that time frame was opened in 2019. I got it for my birthday from a XXXX dealership and was feeling my hard work pay off. XXXX to reflect on the situation of XXXX once again those people played so many mind games and long story short I reused to pay the note due to all the " defects '' " malfunctions '' " issues '' with a brand new XXXX XXXXXXXX XXXX? Really? So they repossessed it and ruined my credit.
Product: Vehicle loan or lease

Hi i applied for a loan from bank of America on XXXX XXXX. I have a XXXX XXXX XXXX. Im self employed. I also have a business income of XXXX and personal income of XXXX. 

They are trying to get away from the rate lock and this is fraud! 

They first told me i got denied because my income is XXXX. Then i sent them personal tax returns and they said because i file jointly that i need to put my wife on the loan. 

Last but no least after all that i call back and then they tell me its not because joint tax returns but its because it due to my debt to income ratio. 


This is all XXXX! Not nice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Equifax Customer Service, I am writing to formally dispute the accuracy of information being reported on my credit file, as per my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified an account that is being inaccurately reported, which includes an address and name that do not correspond with my Driver 's License or rental agreement.

According to 15 U.S. Code 1681, consumer reporting agencies are required to conduct a fair and reasonable investigation upon receiving a written dispute. Inaccurate credit reporting not only undermines my creditworthiness but also violates my rights as a consumer.

I request that you investigate this matter promptly and remove the inaccurate account from my credit report. Please find attached any supporting documentation that verifies my claim, including copies of my Driver 's License and rental agreement.

I am looking forward to your swift response and resolution of this matter. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this important matter. 

Sincerely CFPB PLEASE REVIEW FOR VIOLATIONS
Product: Mortgage

We show we were paid off in XXXX of 2023. They say we still owe {$96000.00}. They have been impossible to contact on the phone. We keep being directed by phone prompts, and no human picks up the phone. We contacted our attorney, and he was not able to speak with a human, and no one returned his phone calls. We are very frustrated and need immediate help. We continue to make payments, we receive a recorded message when our payment is one day past the due date, but not late. If they continue to call us with reminders, why can't they pick up the phone????? 

We received a history of our payments that shows NSM created an escrow account for payments we have personally made previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue Date : XX/XX/XXXX ( XXXX XXXX - XXXX XXXX CST ) I checked my credit score on XXXX and was shocked to see that I have 10 Hard Inquiries with my Transunion credit report because a number of those inquiries were ones I never authorized or were aware off for that matter. 
I never had business with these companies and kindly request them and their inquiries to be removed immediately on my account before my credit score is negatively impacted even more. 

Misreported Inquiries : 1. XXXX/XXXX ( XXXX XXXX XXXX ) XXXX, FLXXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX ( Bank ) XXXX, ND XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX ( XXXX XXXX ) XXXX, KS XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX ( Bank ) XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 5 & 6. **TWO HARD INQUIRIES*** XXXX XXXX ( Automotive ) XXXX, KS XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX and XX/XX/XXXX I called their XXXX number to speak to a representative and told them I have been a victim of their inquiry issue. I listed out the inquiries from my credit report and the representative ( XXXX ) stated he was unable to do anything with my misreported inquiries with no clear explanation why he could not. I was frustrated and disappointed with Transunion 's customer service because their customer service would not help and take care of the negative inquiries reporting to my credit report. 

Please fix and advise. I desire and request these list of inquiries to be deleted. I understand how important my credit rating is, and do not want false and misreported inquiries affecting my credit score and weighing it down to a negative impact by Transunion 's terrible customer service. 

Thank you, and I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I have called and spoke to numerous reps at XXXX XXXX since XXXX XXXX. I've been repeatedly told they would close and remove the authorized user account from my credit. They also confirmed they spoke to the card holder who also requested I be removed from the account. They removed it from XXXX XXXX and XXXX but it still reflects on Equifax thereby affecting my credit score due to her outstanding balance. The account still shows open with a XXXX XXXXXXXX balance due. I don't have a card on this account, have requested they remove it and remove her XXXX, UT address from my credit. The card holder asked them at the beginning of XXXX to do this, they told me when I called it takes 60 days. XXXX  months later I'm having to dispute the same problem, their failure to remove the authorized account from my credit and close it. I don't know if they're confused or what the situation is but this is not my account, I want it closed and removed from my credit ASAP as the card holder, and I have requested numerous times. If it is still on my credit when I run my report on XX/XX/XXXX, I will proceed with suing them and refuse to settle! I'm tired of them lying about the dispute, yet doing nothing to resolve this. I have not spoken to the card holder since, when I do I will let her know she needs to get on top of this. However I don't think I will hear from her. She's not very good at keeping in touch. I've been fighting this on my own since XXXX with no follow up from the card holder or XXXX XXXX! I'm sick of this account affecting my FICO and am willing to sue!