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

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX  XXXX  ) ( XXXX XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE CORRECTED AND UPDATED TO PAID ON TIME, PAID AS AGREED, NEVER LATE IMMEDIATELY. AFTER THIS INVESTIGATION, UPDATE THE DATES IN THE PAYMENT HISTORY FOR THESE ACCOUNTS ON MY CONSUMER REPORT : ( XXXX XXXX ) ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

On XX/XX/2023 ... my daughter called and made me privy to a check being deposited in her account via mobile deposit that she did not so. She also was receiving threatening whats app messages from some unknown person ( s ) for her to send the money to them. We contacted USAA Bank immediately to let them know that there was a check deposited that may be fraudulent. I did not know if they stole a real persons check and was trying to get money out of account. When I saw that the person ( s ) had already taken out a {$1000.00}, I moved {$2000.00} of the money out of my daughter acct into my own. I also made USAA privy to this until the situation could be rectified. The next day I received alerts on my email that I was sending funds out to a XXXX XXXX via XXXX. I had not made any such requests, so I immediately called USAA once again to tell them. After a few weeks USAA decided that there was no fraud and they have come to the conclusion that my daughter did this or gave her personal bank info out to someone. In turn, they locked down my bank account as well as hers and I had to pay the {$2800.00} for my daughter negative balance from fraudulent check in order to lift freeze off of my account. My issue is, is that I alerted USAA the same day check was deposited and I alerted them the next day when I saw more withdrawals were being done via XXXX. There has been no time in the 11years that I have been with USAA that when you deposit a check, especially in such a large amount that the funds are immediately available. How was a person able to deposit a {$3000.00} check and start withdrawing immediately is a mystery to me. So now that I have brought my daughters acct back to a positive balance, the bank still has restrictions on my account and they are not allowing me to close my daughters acct. I feel as I have been victimized whereas I did nothing criminally and my daughter is steadfast in her assertion that she did not do it and did not give out any of her banking info. USAA should've shut account down immediately when we called about the fraudulent check so that no one could get any more money out of it, but they did not and then held me liable after I felt I did my part in trying to avoid further issues or losses. Now I am out of some cash and not able to close my accounts or transfer money. Now I have seen the same scam that has happened to my daughter to a woman who posted it happened to her child on XXXX XXXX. I also reached out to the company that was listed on check to speak to them and their human Resources manager stated that they believe one of their checks had been intercepted because they are getting calls from various states that they had fake checks deposited into their accts. I think that the banking bureau needs to look into this with USAA. It is not fair to the consumer that they should get victimized twice. And because USAA did not quickly follow up when notified of this and prohibit further withdrawals from account that I now would be held accountable.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 

Identify inquires resulting from the identity theft that should be blocked or deleted. 


XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Reported on XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX XXXX Reported on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past week, Equifax has divulged my personal credit information to persons unknown due to lax security, and I 'may ' be affected by this loss of information according to their own services.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I found hard inquiries that I did not approve. In line with 15 USC 1681c-2, I ask for their immediate removal.
Product: Credit card or prepaid card

Received letter from Bank of America denying approval of Bank of America Unlimited Cash Award Signature card. I NEVER APPLIED for this card or any card. I dont have an account with Bank of America XXXX 

XXXX XXXX : XXXX Letter dated : XX/XX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32.00}, {$600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32.00} -This is not my account. 


-- OTHER  ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account.
Product: Checking or savings account

I called Wells Fargo Bank customer service on XX/XX/XXXX to have them call and verify the release of my check hold. They asked me to have the maker of the check call in to verify with his bank that the check was authentic and then they would release it after verification. I called back on XX/XX/XXXX to inform them that I had the check maker verify that funds were withdrawn from their account on XX/XX/XXXX and Wells Fargo is now refusing to release the hold and wants to hold it until XX/XX/XXXX.
Product: Credit card

My credit card issued by Barclays was closed without notice. I received a notice saying the account was closed for 'unusual account activity ' and that my credit was not use in the decision. I would like my XXXX $ annual fee refunded, and the XXXX $ in unclaimed rewards credited to my account. The bank would not provide further explanation as to why my account was closed, and they refused to credit my account for the unused points or already paid annual fee. I find this behavior akin to a bait-and-switch. I used this credit card under the pretense of earning rewards, until the bank decides to unilaterally close the account and deem my earned rewards void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could XXXX  verify this account. Surly they never investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX female. I writing to request that the information that is on my credit file be corrected immediately, which is causing some of the problems of me obtaining credit and obtaining a business bank account, which I tried to get and failed obtaining from Regions Bank. The business that wrote me instead of Regions Bank was XXXX XXXX XXXX, which I do n't know anything about and should not have any dealings with or they should not be trying to falsify or make me uncreditworthy by placing false information on my credit file. The address for XXXX XXXX XXXX is XXXX. XXXX XXXX XXXX Alabama XXXX. The phone number for this bank is XXXX. There is another business I wish to give information about the address is for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX. The phone number for this company is XXXX. Then Regions tells me that my credit score is XXXX, which is the worst score you can give a person trying to get a business bank account and trying to buy a home at the same time. I am trying to buy a home, due to living in lapidated housing and, I am trying to get a business bank account, because I am trying to get my business to become financially stable. Also, if possible I was trying to obtain a FHA loan or HOYA grant and loan from Regions, but that is not possible now, due to the lie of XXXX XXXX  XXXX. Then Regions just basically agreed with them and reported a lie as truth on my credit record, which has hurt my business financially and me personally. I am asking that you help me to get rid of this fraudulent information that XXXX XXXX XXXX has on my credit file and that Regions Bank has put on my credit record in XXXX XXXX  to prevent me from obtaining a business bank account or obtaining any type of credit or cashing a check. Basically, not able to live and exist as a human being should exist. I feel these companies not only violated my civil rights, but also, discriminated against me for no good reason at all, which was based on false statements of a fictitious mortgage ; therefore, hindering me from obtaining credit for me, for my business, to pay bills, to cash checks, to get a line of credit, my poor credit score was due to false information from XXXX XXXX  and I will not be able to purchase a house or to move out of my lapidated apartment on XXXX XXXX XXXX   XXXX XXXX. XXXX . XXXX, XXXX MS or inhabitable dwellings in XXXX MS that is unsafe and unhealthy for me and my family. In addition to what I have stated, the reason I am writing this information, due to the harmful nature of this fraudulent financial information on my business financially and me financially that is intended to give me a poor credit score, so I wo n't ' be able to obtain credit from Regions Bank or any other business bank account for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT ARE NOT MINE AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in the reporting and handling of my credit file in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, Banking Act, Gramm-Leach-Bliley Act ( GLBA ) Section 6802, and 5 U.S.C.. In addition to addressing the inaccuracies on my credit file, I am exercising my right to opt-out from the disclosure of my personal information.

Dispute Details The following accounts and information contain errors or discrepancies that require immediate correction : XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Company sold - Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Balance {$1500.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Monthly payment - Past due amount {$1500.00} Terms 1 Month Responsibility Individual Your statement-
Product: Credit reporting or other personal consumer reports

I've had the credit bureau accounts frozen for years. 
XX/XX/23 I applied for a loan. I was told I needed to unfreeze my account with Experian ( as I expected ) Issue # 1. I was able to access Experian to the extent their automated system told me my account is unfrozen. This contradicts what the loan company told me. It should have been frozen as I had not unfrozen it. 
Issue # 2. Experian evidently replaced their PIN system so the PIN I had used in the past didn't work. I tried 15 times to enter different user names to create an account. Every time I got to the 6th letter it told me that user name was already taken. Therefore, I couldn't create an account to verify whether my account is frozen as the loan company told me or unfrozen as Experian 's automated system told me. 
Issue # 3. I repeatedly tried maneuvering through Experian 's automated system trying to find a way to talk to a person. Every path I chose resulted in the system telling me my issue didn't meet the criteria to talk to a person.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Late Payments Under Billing Error Resolution Dear : CFPB I am writing to formally dispute the reported late payments on my account, referencing 15 U.S. Code 1681s-2 ( a ), 15 U.S. Code 1666b, and 12 CFR 1026.13 regarding Billing Error Resolution. Upon review of my account and payment history, I believe that these late payments are the result of an error, and as such, I am requesting their removal from my credit report. 

Account Name : XXXX XXXX Account XXXX XXXX Under 15 U.S. Code 1681s-2 ( a ), as a consumer, I have the right to dispute any inaccuracies on my credit report, and the creditor is obligated to investigate and correct any errors that may arise.

Additionally, under 15 U.S. Code 1666b and 12 CFR 1026.13, if a billing error has occurred ( including the incorrect reporting of late payments ), it must be rectified by the creditor. I request a full investigation and deletion of any late payment entries that may have been incorrectly reported or are a result of a billing error. 

Please confirm the resolution of this matter and the removal of any erroneous late payment reports from my credit history. 
Thank you for your prompt attention to this issue. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have given credit bureaus everything they have requested and they have found every way to stall so I have complained here. I mailed them my ID, MY social, and They have my letters from them and a recent bill to verify its me. I have sent them the FTC police reports also. Can you please remove the items and stop stalling. They told me 48hrs once i submitted the police report now they send me a letter asking me to use there dispute process. I have tried that but they are not doing there job.
Product: Debt collection

A account was open under my name but its was around the time of big breech
Product: Student loan

Navient services my student loans and i have called them multiple times in the past about misleading/confusing information and misallocations of my payments. I 'm sure these complaints have been ignored by Navient but I want to know what I can do invving this lawsuit and any repercussions in process.
Product: Debt collection

On XX/XX/2023 I contacted Collection Management Company about a XXXX accounts that Are reporting negative on my credit profile. I asked the company rep to help me understand the Credit extension that I obtained from them and what services that was performed by them for me. I don't recognize or remember having a contract with them. I also informed them that my rights per Fair Credit Reporting Act was being violated and hurting my credit rating. I also asked them to remove these reporting accounts from my credit profile.Also to VALIDATE THE DEBT Per.15 U.S.C 1681 Method of Verification Law. I also asked the company to provide the copy of my original invoice or receipt with my signature. I also requested a Itemized bill with every single charge from the original contract.I also notified them about that if the following accounts : XXXX. Collection Management Company Account number # XXXX XXXX {$970.00} opened on XX/XX/2023 XXXX. Collection Management Company Account XXXX # XXXX XXXX XXXX opened on XX/XX/2023 XXXX. Collection Management Company Account Number # XXXX Balance XXXX wasn't removed I would Report it here to the Cfpb and also state that these reporting accounts also wasnt following metro 2 compliance.
Product: Checking or savings account

There were three fraudulent transactions made on my Chase business debit card on XX/XX/XXXX. One from XXXX for {$79.00}, one from XXXX for {$160.00}, and one from XXXX in the amount of {$220.00}. When I noticed the charges through my online bank profile, I immediately called Chase to notify them of the fraudulent charges and they canceled my card and issued me a new one, and they credited back the charges. 

Today, XX/XX/XXXX, I noticed that Chase reversed the XXXX credit of {$220.00} and charged my account. I immediately called them and they told me that the information they received from XXXX matched in reference to my name and billing address and that's what they used to seem that the transaction was valid. 

I did not make the transaction. I never received an email confirmation of the order because I never made the purchase. Also, the order was shipped to XXXX, CA and I live in XXXX, CA. 

I called XXXX and spoke to customer service to obtain more details on the order on reference to the information provided ( name, address, email address, phone number, etc. ) and they could not provide me with any information. They did file a claim for me and I received an email stating that they had already given my bank supporting documentation and if I wanted more documentation I would have to subpoena it from them. 

Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX ; XXXX XXXX XXXX, XXXX XXXX, MO, 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 Unpaid Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is against the law/ illegal to report transaction history pursuant to title 15 U.S.C . 1681b ( c ) & in violation of The Fair Credit Reporting Act ( FCRA ) - XXXX, Equifax, & XXXX are reporting transaction history which is causing a negative image to be portrayed on me, the consumer. This is a defamation of my character & is preventing me my right to well-being, personal property & a pursuit to happiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX # XXXX, 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 an account without written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.