23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/2021, On or before XX/XX/2021, On or before XX/XX/2021 I have contacted the credit bureaus in regards to accounts that do not belong to me. I am a victim of id theft, I am a victim of credit fraud, I have mailed in sever id theft reports to the credit bureaus and to no avail. The following accounts are identity theft accounts and shall be removed at once. 

1. XXXX XXXX  2. Account name unknown 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX  6. XXXX XXXX student loans 7. Any and all Inquiries within the last 2 years 8. Any and all addresses within the last 2 years 9. Any and all names that do not match my legal name 10. Any and all telephone number. 11. Online information systems I hereby grant and give permission to the consumer finance protection to act and submit this information on my behalf to the credit bureaus. Any and all collection accounts listed in the report all collection accounts in the report. I hereby demand they be deleted and removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my credit report dont match the actual reporting dates on the credit building app
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX credit bureaus made a report with out my consent and inaccurate information is also on my report
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. XXXX highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had any accounts with NCA this is not my account
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Credit card or prepaid card

I have a PNC Visa Signature Credit Card with PNC Bank, where I have all of my banking accounts. My PNC Credit Card is set to autopay from my PNC Checking Account every month on the XXXX. The final payment made was on XX/XX/XXXX. PNC stopped auto-paying the PNC Credit Card, and the payment was late for XX/XX/XXXX and XX/XX/XXXX. I was not notified that the autopay ended or would expire. I became aware of this when PNC emailed me on XX/XX/XXXX that the due date for their credit card had passed and they applied a late fee the day before on XX/XX/XXXX. ( A search of my email shows that they also emailed me on XX/XX/XXXX, telling me that my payment was late [ because of PNC ], in that case they applied a late fee on XX/XX/XXXX ). My checking account holds approximately 250 times more assets than than charges on my credit card, so I have the ability to pay. To my knowledge, I have never had a late fee or had one waived. 

I called PNC to resolve the issue. I was informed by XXXX that it would take 3 months to restore autopay and that she could only waive one late fee every 12 months, and so she could not waive both late fees. XXXX told me this was a new company wide policy that had been handed down by the responsible company officer, and that even her superior could not make an exception. I made it clear that both fees were incurred because PNC Bank stopped auto-paying my PNC credit card. This did not matter to XXXX and PNC -- their failure to use PNC bank accounts to pay PNC credit card means that I'm stuck with late fees I would never have incurred. 

Personally, I want both of the late fees waived. My bank has access to my funds and auto-pays the credit card they control ; they decided to stop auto-paying, and did not notify me of this or of a possible auto-pay expiration. They started charging me late fees and sending me notices after the fact. The bank also says I am stuck with these late fees, because they failed to make the payment to themselves and they will no longer waive late fees at all. 

Broadly, I am concerned this is possible actionable chicanery. At the least, this is bad faith and immoral. On a national scale, this would amount to a huge addition to the bank 's books and a fraud upon its customers. It seems a lot like a trap, intentional or not.
Product: Checking or savings account

A fraudulent transaction was made on my checking account for {$6800.00}. This overdrew my account and also charged my credit card {$2200.00} in overdraft. The fraudulent transaction was reported immediately including the {$2200.00} charge to my credit card. USAA put the charge through anyway, XXXX down all access to funds that should have been in the account.USAA determined that my account number had been incorrectly written on a check and the debited my account. They also likely compromised my privacy by providing the funds and account number to an unknown third party. As far as I can tell right now, USAA stole my money from my checking account, borrowed an additional {$2200.00} on my credit card, and cant figure out it doesnt belong to them.
Product: Checking or savings account

I looked up which banks were offering bonuses for opening a checking account and determined which bank to go with which was Wells Fargo.It was contingent on me opening a direct deposit of at least XXXX within 90 days. It was opened XX/XX/year>. I called them today and was told there was no record of my entering a number for the account. I really don't remember if I put a number in but it seems if there was a spot for it I would have done it. My question to you is can they offer something, you apply and then get approved and then told its by invitation only basically. I know I did get a offer through the mail about the bonus on the credit card I have with them and they fulfilled the bonus. I actually applied for a second one and was turned down with some lame excuse about not knowing if I was going to keep it paid. I have credit score in high XXXX 's and cards with XXXX for over XXXX worth of credit that I currently owe @ XXXX dollars. I only did it because it was the fourth one I had received from them. Please let me know what you hear from them. I did ask them how many people they had done this too
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX  XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, and XXXX XXXX  account number XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

I did not give them written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, TRANSUNION, and XXXX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. 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 without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. Specifically the accounts that has been deleted but gets added back every time I order a new credit report. 

I must stress that the continued deletion and re-reporting of this account is not only inaccurate but also in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically section 609. The FCRA mandates that credit reporting agencies maintain accurate information in consumers ' credit reports. 

I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

Dear Firstmark Services, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. Security fin account # XXXX XXXX, XXXX, XXXX, XXXX, XXXX. XXXX  account # XXXX. XXXX XXXX account # XXXX XXXX XXXX account # XXXX & XXXX. 15 U.S.C. section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-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 the information is inaccurate
Product: Debt collection

Someone called my home telephone, using faked caller ID information " XXXX XXXX- '' and number " XXXX '' at XXXX XXXX. EDT on XXXX XXXX XXXX. They left a message identifying themselves as a " debt collector '' named " Stoneleigh Recovery Associates '' and requesting that I call XXXX. ( The first word of the name was unintelligible but I did a XXXX search for " XXXX '' and the results indicated a vast number of complaints about a scammer called " Stoneleigh Recovery Associates ''. The scammer is apparently trying to get credit card numbers. It is an obvious scam because the faked the caller ID information, in violation of Federal law, and also I have no debts, and so certainly do n't have any bad debts. There also has never been any written notification of any debt, much less any written notification of any past due debt. Since I have no business relationship with this party and it obviously is not a legitimate debt collection call, this call is in violation of the Revised Telemarketing Sales Rule, since my phone number is on the DoNotCall list. I have attached to this complaint a copy of the scammer 's recorded message.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. I've been incarcerated since XX/XX/2018 and im unaware of the said accounts. Please remove this account from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I noticed incorrect information on my credit report under 15 USC 16c-2. The data in question seems to be inaccurate and is negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am submitting this compliant because I have nowhere to turn to. Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX and harm to my Family upon me discovering unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX and Equifax did not make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. Everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am disappointed that XXXX, XXXX and Equifax have not done with due diligence to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Checking or savings account

EXCESSIVE late fees/overdraft fees/NSF fees linked to three checking and 3 credit card accounts with Bank of America. In the past month, I have  incurred over {$1000.00} in fees and the bank is refusing to return nearly {$600.00} across all accounts with over a 11 year relationship with them, despite being told conflicting information from different reps. Many of the resulting fees are not even due to a fault of my own ( the bank ordering transactions to increase the amount of fees they can charge, cashing " bill payments '' BEFORE I the due date in online banking ) which have a snowball effect of EVERY OTHER TRANSACTION, resulting in the never-ending XXXX of fees. 

Additionally, I have been being charged ATM withdrawal fees and a hefty safe deposit box fee which are supposed to be membership " perks '' based on my accountI had received in the past.
Product: Debt collection

CALL RECEIVED AT XXXX ON XX/XX/2022. IT WAS A CALL IN REGARDS TO SOMEONE THAT DOES NOT LIVE WITH US NOR IS RELATED TO XXXX. CALL FROM UNITED CHECK RECOVERY XXXX XXXX XXXX XXXX NY XXXX. THEY HAVE REPEATEDLY CALLED ON DAILY BASIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have been threatened via phone stating they are collecting a debt on something I never received written documentation to verify. The threatened calls and voicemails they leave is alot and no documentation has been provided going against the FCRA process I was advised that information would be provided and it was not, therefore I need to have anything from this company removed off all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report TO WHOM IT MAY CONCERN, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent and have negatively impacted my credit score. The details of the inquiries in question are as follows : XXXX XXXX ( Bank ) - XX/XX/2023 XXXX  ( Bank ) - XX/XX/2023 XXXX  XXXX ( Bank ) - XX/XX/2023 XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXX XXXX XXXX ( Bank ) - XX/XX/2023 I have contacted your customer service department on multiple occasions regarding this matter. Despite my efforts to resolve this issue, there has been no satisfactory resolution. I have spoken to your representatives and even escalated the matter to a supervisor who assured me that the inquiries would be removed within XXXX hours. Regrettably, this has not occurred, and the incorrect information remains on my credit report. 

The unauthorized credit inquiries have had a detrimental impact on my credit score, making it imperative that this matter be rectified promptly. I demand a thorough investigation into these inquiries and request the immediate removal of the unauthorized inquiries from my credit report. 

I understand that timely resolution of this dispute is crucial to maintaining the accuracy of my credit profile. I appreciate your prompt attention to this matter and look forward to a written response detailing the results of your investigation. 

Please provide me with written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  Collections Account : Fair Collection & O {$0.00} XX/XX/XXXX, XXXX XXXX XXXX {$550.00}, XXXX {$900.00}, XXXXXXXX XXXX XXXX XXXX {$6000.00}, XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$23000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX XXXX {$2500.00}, Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$23000.00} Credit Card Opened by the XXXX XXXX  or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2300.00} Credit Card Opened by the XXXX XXXX  or Organization XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$9000.00} Fraudulent Information on Credit Reports Credit Card Opened by the XXXX XXXX or Organization XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$380.00} Credit Card Opened by the XXXX XXXX  or Organization XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it :
Product: Checking or savings account

I reported fraud for several transactions on my account that equaled {$1200.00}. I was told the claim was denied by Bank of America without any reasoning. After filing the initial claim and waiting the 10 days that I was told, I called back. I was then told I would be given a provisional credit. Three more days passed and then yesterday XX/XX/2024 I got a message that my claim was denied with no evidence to back it up.
Product: Credit reporting or other personal consumer reports

I visited a website on XX/XX/2023 and it was supposed to be a free to see my XXXX credit reports. I was charged XXXX on XX/XX/2023 and also on XX/XX/2023. Thankfully I was refunded for the XXXX charge on my account but I'm trying to be proactive and try to make sure it doesn't happen again this month or any other time either. I'm going to include screenshots of my XXXX XXXX account charges and the website also.
Product: Credit reporting or other personal consumer reports

After a pre-approve on XXXX website the application didn't process as the site said I have a credit freeze on the account. There is no credit freeze and still got a inquiry on my report. I called to verify if the application went through and it didn't so I was given an email to send screenshots but no response from their department to resolve it. I have attached screenshots to show what happened.
Product: Credit reporting

It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX XXXX XXXX and my brother 's being XXXX XXXX XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXXXXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX 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