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

I recently reviewed my credit report and noticed my account with XXXX XXXX XXXX XXXX that was not reporting accurately. I had one late payment on this account that I was in fact paid on time. The consumer reporting agencies have the need to report all information with complete accuracy. This account has not been late on any payments, and I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I am now requesting you investigate and provide verifiable proof with records showing that I had a late payment on XX/XX/year>, If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to file a dispute with Equifax but was told that I had previously disputed the same information with Equifax. However, I was not given any information surrounding their dispute. 

I want records in writing of how their dispute was conducted. I want to know in what method they conducted their investigation and if information was " verified '' I want to know how that information was verified. Equifax simply responding that they communicated with the alleged debtor will not suffice, I want to know what day they called the alleged debtor and what number was called. I want to know who they spoke with and if it was not phone communication, I want to know when they mailed correspondence to the alleged debtors. There are still multiple issues with my consumer report that is a hinderance to me that Equifax has stopped responding to my requests for.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized accounts and inquiries that have recently appeared on my credit report. I am a victim of a data breach, and these accounts and inquiries were added to my credit file without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following fraudulent items from my credit report : Fraudulent Accounts : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/year> While depositing XXXXXXXX XXXX via Regions ATM, screen goes black. Card is ejected. No other functions occurred. This was a Monday before XXXXXXXX XXXX XXXX XXXX XXXX  opened. Went to branch on same morning, filed atm claims report. I was told it could take 10 days to investigate. This was complete inconvenience because the money deposited was for rent. Approximately, 3 days later, XXXX XXXX was credited into checking account. Received letter in mail from Regions stating money was going to be debited from account on XX/XX/XXXX. Went to XXXXXXXX XXXX  again and XXXX XXXX, asking for help. Called ATM information asking for information. Asked multiple times regarding videotape information. Never once was provided.
Product: Credit card

On XX/XX/year>, I made XXXX online purchases back-to-back from a travel website. However, the website glitched and XXXX purchase was charged twice. After trying to access my credit card account through bankofamerica.XXXX, I couldn't proceed without answering multiple questions about whether the transactions were authorized. 

I answered truthfully -- XXXX purchase was not authorized by me, but the other XXXX were correct, plus no one had stolen or gained access to my card information, and I was in possession of the card as well. I also typed an explanation into an available field about how the merchant 's website glitched and I didn't agree to a double-charge on only XXXX of the transactions. 

Bank of America immediately cancelled my card without my consent. The question screen was deceptive as it did not say I would lose my existing card number by simply reporting an erroneous double-charge. When I quickly called customer service within the next minute, a representative advised that a card with a new number would be issued to me. I explained there was no fraud and wanted my old card number back because I don't have time to update numerous auto-pay accounts, merchants, or websites with completely new information. The representative told me it was impossible to restore my card number despite my prompt action and explanation, and refused to assist me further. The amount of time I've already spent on this matter has been significant, including hours of lost family and personal activities. 

Bank of America is refusing to remedy this unfair situation, and their customer service representative clearly lacked authority and/or a willingness to override what a computer system had done. But my card number can easily be changed back, and to my knowledge, there is no legal prohibition on doing so. Bank of America should not be able to cancel a credit card without permission and especially after a call was made to seek immediate corrective action.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of the following unauthorized FRAUDULENT credit inquiries from my TransUnion credit report : 1. XXXX XXXX XXXX ( XX/XX/year>, XX/XX/year>, XX/XX/year> ) 2. XXXX XXXX XXXX ( XX/XX/year> ) 3. XXXX XXXX ( XX/XX/year>, XX/XX/year> ) 4. XXXX XXXX ( XX/XX/year>, XX/XX/year> ) 5. XXXX XXXX ( XX/XX/year> ) These inquiries were made without my authorization and are a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA 604 ( 15 U.S. Code 1681b ) : Credit inquiries can only be made with the explicit consent of the consumer or for a permissible purpose. These inquiries were unauthorized and fraudulent.

FCRA 611 ( 15 U.S. Code 1681i ) : As a consumer, I have the right to dispute inaccurate or fraudulent information on my credit report and expect a timely resolution.

FCRA 609 ( 15 U.S. Code 1681g ) : I am entitled to know who accessed my credit report and to request removal of inquiries that were unauthorized.

1. I have never initiated or approved any applications or credit transactions with these institutions on the above-listed dates.

2. These inquiries are causing harm to my credit profile and were conducted without my knowledge or consent, constituting identity theft or misuse of my information.

Action Requested : I demand the immediate removal of these fraudulent inquiries from my credit report. In addition, please provide written confirmation that the inquiries have been removed. 

Supporting Documentation : Attached is my completed FTC REPORT
Product: Credit reporting or other personal consumer reports

Improper use of my report. 
Date of incident : XX/XX/2022 ( Amount Credit limit {$750.00} ) Company : XXXX XXXXXXXX Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.
Product: Checking or savings account

In XX/XX/2021 I disputed an amount paid to XXXX for {$2100.00} Its still being disputed with XXXX thru their license I contacted Wells Fargo several times Several times Wells Fargo were outsourcing my account with the XXXX which I never authorized and knew about InXX/XX/2021 Wells Fargo charged me the same amount ; because of the numerous errors I closed my account because I could not trust the handling of my funds Now Wells Fargo has a deficit in my closed account
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 transaction settled with insufficient balances, despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Debt collection

The company Portfolio Recovery Associates LLC, XXXX XXXX XXXX XXXX Virginia has employees that claim to have my social security number on file and threatened to use it against me ( " XXXX XXXX '' x XXXX ). When I asked them to remove my personal information from their database they refused even though the data is over 7 years old and incorrect!!! The Operations Manager named " XXXX XXXX '' x XXXX boldly refused to comply with the law and delete what they claim to be is my personal information from 10 years ago! XXXX said, " We only have your basic information like social and birthday ''!!!!!. Then when I asked again just to make sure : Are you saying you have 10-year-old personal information on me and you will NOT delete it? He said, " Correct. We will not delete it from our records because you still owe us money ''. XXXX then had the audacity to complain that I had not sent PRA a " fraud packet '' with a copy of my drivers license and other very personal information! Account numbers # XXXX and # XXXX need to be deleted from their data bass and they need to stop harassing me and damaging my credit score. They are stopping me from being able to have a home during the CORONA VIRUS!!!!!! This is a TRUE scam!!!!
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on my Experian Credit Report XXXX XXXX XX/XX/year>
Product: Checking or savings account

XX/XX/2022 a unauthorized transaction of XXXX was withdrawn from my bank account. I did not authorize this. I submitted a dispute with PNC and received a letter they determined no error occurred. Days before my cell was stolen with all personal information in it. Please refund me my XXXX
Product: Consumer Loan

About 10 days ago I was contacted by a law firmBerman and RabinThe collector asked if I was XXXX XXXX I said yesThey did n't verify my first name at allThe collection representative began to tell me that I had an outstanding balance from finger hut for over XXXX dollarsI told her I did n't have that large of a balanceShe asked if I was XXXX XXXX I said that is my wifeshe continued to tell me about the debt I then told her in the state of Georgia the spouse is not to be contacted and if was state law that her information was confidential and this is XXXX party disclosure she continued as if she knew the lawI then asked for her Supv she hung upI called back to ask for the manager they started acting like they could n't here me on the phoneI called the next day to have a manager to complain they said a manager would call backAs of today I have n't heard from any managerI would like the recordings of all of the conversationsto my number XXXX and all of the calls as wellI am filing a lawsuit for third party disclosure and anyother Udaap and Fdcpa violations this firm has committed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS 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 accounts 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 accounts : XXXX XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX. Please remove.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to remove any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion explained that someone has stolen my identity and have been applying for all kinds of stuff. They added a fraud alert but did not remove the Fradugelent information that I told them about. I have attached the identity theft report with the things listed that should be removed.
Product: Credit card or prepaid card

I received a notice informing me that there was a hard hit inquiry from target for a store credit card. I did not apply for anything at target. I want to ensure that no store account was opened in my name and remove hard inquiry.
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for.

Explain and show me how you calculated what you say I owe.

Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgment if applicable.

Identify the original creditor.

Prove the Statute of Limitations has not expired on this account.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Checking or savings account

I do NOT bank with BB & T bank and I got notices in the mail on XXXX that " I '' opened a checking AND savings account and I also denied overdraft for these accounts. I called them on XX/XX/XXXX when I got more notices from them about the same accounts I did not open ( with my name but incorrect address ) she told me that she was noting them as a fraud accounts and that they were blocked as identity theft. Then I got the debit card for the account in the mail. so I drove to XXXX PA and went IN the actual bank to report it and ask to get it taken care of. The lady in charge was VERY RUDE and told me that they opened HUNDREDS of online accounts and that they knew about them and were looking into them. I said well are you taking care of it or what? she said YOU better deal with YOUR social security number because they HAVE IT and they are using it. I said I ALREADY DID I called the XXXX and put a lock on all my credit. with all 3 credit companies. then I get letters on XX/XX/XXXX telling me there is a XXXX on the account and XX/XX/XXXX telling me I have a XXXX and there is a XXXX and a XXXX on the account. then on XX/XX/XXXX letter telling me that i need to deal with my overdraft of XXXX or they are closing my accounts and reporting me to XXXX. Then on XX/XX/XXXX i get a statement from Truist ( they now own BB & T ) telling me I still have a XXXX balance. and now on XX/XX/XXXX I get a letter form Truist telling me that the account is closed and XXXX is now reported to XXXX and I need to pay it asap. what happened to reporting it as fraud and taking care of it for me????? it seems to me they did NOTHING about these accounts that were open in my name and there only goal is to ruin my credit even more. I just got off the phone with their recovery dept and they sent me to claims and that lady told me there was nothing she could do for me and that she was clueless as to how long it takes for fraud cases to go through and be notified and there was NOTHING she could do for me. they ARE USESLESS. she told me i was NOT a client of theirs and that she could nto help me!!! really I have 2 FRAUD accounts in my name with YOUR bank that I do NOT want and I am NOT a client that you can HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMEX XXXX AMEX XXXX AMEX XXXX
Product: Mortgage

To Whom It May Concern, I have been fighting Wells Fargo for years in regards to a foreclosure on my property. They do n't seem to believe they need to adhere to the laws of California or the guidelines, rules, and regulations that pertain to them. On XXXX XXXX, 2015, I mailed to Wells Fargo Home Mortgage, my servicer, a Notice of Rescission to cancel my loan transaction. It came to my attention recently that the opportunity to send a notice of rescission to them was still available because consummation of my loan had not yet occurred. Pursuant to the Federal Truth In Lending Act, hereinafter referred to as TILA, the notice of rescission is effective upon mailing. It automatically cancels out my deed of trust and the liability. To my understanding, under the statute, the promissory note and lien becomes automatically void by operation of law. 
I mailed out the notice of rescission to Wells Fargo on XXXX XXXX, 2015. Wells Fargo received the notice on XXXX XXXX, 2015. Pursuant to TILA, Wells Fargo had twenty ( 20 ) calendar days from receiving the notice to either file a declaratory action against me to challenge the notice of rescission or to take the mandatory steps required under TILA. Wells Fargo did neither. The only thing Wells Fargo did was send me a letter stating they received my letter. Pursuant to TILA, the security interest is void and of no legal effect irrespective of whether the creditor makes any affirmative response to the notice. There is nothing in the statute that gives Wells Fargo the right or authority to grant or deny my notice of rescission. Had they disagreed with my notice of rescission, they were suppose to file a declaratory action against me within twenty ( 20 ) days to challenge my right to rescind. Wells Fargo or my " true creditor '' failed to take those actions. Wells Fargo or my " true creditor '' are in violation of TILA because they have failed to take the mandatory steps required under TILA. The statute makes no distinction between my right to rescind in 3-day or extended as neither cases nor statute give courts equitable discretion to alter TILA 's substantive provisions. Since Wells Fargo or my " true creditor '' has failed to file a lawsuit challenging the rescission within the statutory 20 calendar period, they have given up any and all affirmative defenses to the rescission and they have no right or standing to attempt to enforce the deed of trust. I am puzzled as to who they believe they can proceed with a foreclosure on a deed of trust that has been canceled and made null and void by operation of law. There is absolutely no question that by operation of law my deed of trust has been canceled. Wells Fargo or my " true creditor '' is in violation of TILA for their failure to comply with the statute within 20 calendar days. Thus, they have given up their right to make a claim for the money that was allegedly loaned to me. The debt is not only unsecured but it is eradicated starting with the rescission notice and ending with their failure to comply with the statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advanced collection bureau has repeatedly changed the date first reported for the XXXX XXXX XXXX debt on my report. The date of first delinquency is wrong. This account should no longer be on my report.
Product: Mortgage

XXXX XXXX/XXXX/2016 Complaint Department Wells Fargo Home Mortgage Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item CREDITOR SETTLED on XXXX, is inaccurate because it shows a date of XXXX where it was a closed case in XXXX. I am requesting that the item be removed to correct the information as a short-sale not a foreclosure that was settled on XXXX. 
Enclosed are copies of enclosed documentation, supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 
This information is also simultaneously being filed a complaint with XXXX. 
XXXX Sincerely, Your name
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection company has failed to show proof that I am the consumer who is responsible for this account.