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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Transunion original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account XXXX XXXX, Account XXXX XXXX, Account XXXX 15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any adverse adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

My Equifax score went down over XXXX points and I cant figure out why. I did have a card go over limit ( XXXX XXXX ) because they added my annual fee which put me over my credit limit. I immediately paid the bill to get it back below the limit and I cant believe this would lower my score by over XXXX points. There were no other changes in my accounts, everything paid on time. Please help!
Product: Debt collection

After BB & T flat out refused, multiple times, to accept my method of payment, I spoke with them XXXXXXXX times stating payment would be sent before XXXX XXXX, 2017. I have continued to receive multiple phone calls asking where the payment is. Again, they refused to accept my payment before the due date and are still refusing to accept it now.
Product: Bank account or service

I HAD THEFT TO MY ACCOUNT. THEY LOCKED MY ACCOUNT FOR OVER A MONTH, MADE ME GO THROUGH ALL KINDS OF LOOP HOLES TO GET MY MONEY AND HAVE THE PERSON ON CAMERA THAT DID FRAUDULENT ACTIVITY TO MY ACCOUNT. HOWEVER, AFTER NOT GETTING ALL OF MY MONEY THEY STILL CLOSED MY ACCOUNT AND ARE REPORTING AS I OWE MONEY. I GAVE NUMEROUS STATEMENTS AND WAS WILLING TO PROSECUTE. I EVEN FILED CHARGES WITH MY COUNTY POLICE DEPARTMENT.
Product: Credit reporting or other personal consumer reports

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

Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Equifax credit report : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an error in my personal information with Equifax for over 30 days and they have not corrected the issue. According to FCRA Section 623 it is illegal to report inaccurate information and must be corrected if I have proof. They are reporting my current address inaccurately which has hindered my ability to identify myself to other companies. I need this issue corrected immediately.
Product: Debt collection

I contacted the creditor in regards to this account that was opened fraudulently. They told me that I needed to file a police report to have the account removed from my credit report. I filed the report and also contacted the credit bureaus to place a fraud alert on my account. When I reached out to Spring Oaks Capital in regards to the matter they said they couldn't remove it because I had disputed it multiple times. I explained to them that I move from XXXX early XXXX and that 90 % of my belongings were left in the house. At some point there was squatters in the house in which I had to have removed with the help of family and friends still residing in the house. This account is the only negative blemish on my credit profile in the last XXXX years. When I asked for proof of this account they sent me an itemized list of charges to the account which clearly show that all the charges were made within a XXXX hour period, which clearly shows signs of fraudulent activity. When I told them that I was in XXXX caring for my mother that was XXXX XXXX XXXX, they asked me for bills in my name from her residence during the time periods I lived in XXXX. My stay in XXXX was not planned and during that time I was not employed there and lived with relatives at my mother 's former residence. When my mother XXXX, I stayed at that residence for another year prior to relocating XXXX in XXXX of XXXX.
Product: Debt collection

I received a toll violation from NY XXXX, although I am an NJ XXXX holder. I sent the state of New York a check for the amount of the toll. They continue to demand I pay {$100.00} on top of the money I paid them via check for the toll I used that must have no registered in their state. Being that it is a pandemic AND I did pay for the toll that they did not allegedly receive, I do not feel it is appropriate to fine me {$100.00}.
Product: Debt collection

Midland has sent me an obscene response regarding this alleged debt and still is conveying information regarding this alleged debt to the consumer reporting agencies after I have told them to cease and desist any and all collection activity. Midland has now breached the cease and desist and confirmed that this is a case of aggravated identity theft, has invaded my privacy and obtain my consumer report under false pretenses. My consumer rights are constantly being deprived and anyone depriving a person of any rights shall be fined and prosecuted pursuant to 18 usc 242. Midland has cause unseen injuries and I am even taking out family time to deal with this false claim.
Product: Credit card

I opened an account with XXXXXXXX XXXX in the store. I received my statement on XX/XX/XXXX, XXXXXXXX XXXX said that it issued the statement on XXXX and mailed it the same day. XXXXXXXX XXXX said it has XXXX business days to provide statement notice, which could have been XX/XX/XXXX but I did not receive it until XX/XX/XXXX ( likely due to the intervening federal holiday ). I immediately responded to my first ever statement with in full payment promptly issued from my national bank on XX/XX/XXXX ; the bank confirmed the IN FULL PAYMENT was sent on XX/XX/XXXX. The balance was due XX/XX/XXXX, but XXXXXXXX XXXX contends it was not applied until XX/XX/XXXX. I do not believe the delay in posting my IN FULL payment was due to my or my national bank 's delinquency but XXXX 's own internal process. I was shocked to receive a unilaterally imposed {$30.00} penalty, and then 35.99 % interest on that unilateral penalty for another {$17.00} as well as a {$2.00} fee for sending a paper statement to advise of same. I spent hours through XXXXXXXX XXXX " customer service '' to try to understand how I was penalized for XXXX XXXX delay & to have this first time penalty reversed as well as the interest. I was outsourced to continued switching of operators, disconnecting, etc. for hours and told no supervisor existed or could do anything different, frequently trying to get more contact information. Some representatives would try to exhaust me by repeatedly asking for my data ( " for verification '' ) but the data sought was not the same and sometimes none was sought. Apparently, XXXXXXXX XXXX has a " policy '' not to credit more than {$15.00} regardless of its unilateral penalty sum, if there is an error, or under any circumstances. No supervisor or representative returned my disconnected calls and the perpetual loop of information exhaustion and disconnecting continued for hours. Aside from a one time account {$15.00} credit, no credit can be applied and while only a Supervisor ( above a Senior Account Specialist ) can apply an interest reduction if the interest/financing fees are under {$10.00}, the interest/financing fees never could be under {$10.00} because they are applied on at least the unilateral {$30.00} penalty fee at 35.99 % or higher. So regardless of the reason or timing of a late payment in full ( here, one day late, and due to XXXXXXXX XXXX internal processing practices ), the fee will NEVER BE REMOVED and INTEREST/FINANCING NEVER CAN BE REDUCED. Also, unless you opt out of paper billing you are charged {$2.00} for paper statements, which you will learn when a statement is issued. " The bank, '' which is COMENTIY BANK, does not allow a full late fee to be credited. IF YOU CONTINUE TO PUSH ( and if you would close the account ) THERE IS suddenly A POLICY ADJUSTMENT CREDIT THE BANK CAN ISSUE BUT YOU HAVE TO WORK VERY HARD.
Product: Checking or savings account

On XX/XX/XXXX I used the drive thru ATM at the Wells Fargo branch located at XXXX XXXX XXXX XXXX, TX XXXX to deposit Money into my personal checking acct. I put {$2200.00} in {$100.00} bills into the ATM. It asked me to verify a {$1700.00} deposit. I replied " no '' and pushed the button to return all items inserted. I returned XXXX  {$100.00} bills. I looked around on the ground and saw no other bills. I then took the bills returned inside the branch and had the cashier/teller count them. She put them in a bill counting machine and confirmed XXXX {$100.00} bills. I asked the teller if they would mind opening the ATM to see if the missing bills were jammed inside. I was told at that time that Wells Fargo does n't own, have access to, or audit those ATMs. The company that does own them audits them every 2 or 3 days. I filed a claim there and was asked if I would like Wells Fargo to temporarily cover the {$600.00} loss while the claim was investigated. I said I would and deposited the {$1600.00} plus the {$600.00} credit into my checking acct. On XX/XX/XXXX Wells Fargo debited my checking acct {$600.00} informing me that the ATM owners had found no overages and the ATM balanced. This action put my checking acct in a negative balance and I was charged a {$35.00} overdraft fee. The following day a bill I had previously scheduled to debit was payed by Wells Fargo adding to the negative balance and I was charged another {$35.00} fee. Total loss {$670.00}. Wells Fargo advertises the ATMs as their own giving consumers the feeling of security in using them. Their Logos are prominently displayed on them and their website encourages consumers to use them as being safe, secure and reliable. However, they neither maintain or audit them, leaving this to a second party company. I followed up with Wells Fargo on XX/XX/XXXX stating I disagreed with the findings of the 2nd party audit ( owners of the ATMs ). Wells Fargo told me they would review the findings and that it would take 10 business days. Apparently they could find no discrepancies in the 2nd party 's audit results. I was advised of this through mail 3 weeks later.
Product: Credit card

I am receiving several calls a day for debt collection from the following phone number for Discover Card : XXXX It is possible they are calling me from other numbers as well, but this specific number keeps calling. 
I was settling my account and missed a payment due to not enough funds in my bank account. I have received phone calls on the following dates and times : Mon XX/XX/XXXX XXXX XXXX Tues XX/XX/XXXX XXXX XXXX Wed XX/XX/XXXX XXXX XXXX Thurs XX/XX/XXXX XXXX XXXX Wed XX/XX/XXXX XXXX XXXX XXXX XXXX ( twice, back to back calls ) Thurs XX/XX/XXXX XXXX XXXX XXXX Fri XX/XX/XXXX XXXX XXXX XXXX ( twice, back to back calls ) Sat XX/XX/XXXX XXXX Mon XX/XX/XXXX XXXX XXXX XXXX ( XXXX times, back to back calls ) Tues XX/XX/XXXX XXXX XXXX XXXX XXXX ( twice, back to back calls ) Wed XX/XX/XXXX XXXX XXXX XXXX ( twice, back to back calls ) Thurs XX/XX/XXXX XXXX I believe they will try to call multiple more times today I am aware that this is legally harassment, based on debt collection rules that they must follow. I would like them to stop. I do not want to speak with them based on their calls harassing me. I plan to pay off my debt and understand they will stop once I pay it- but this is causing me distress.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by XXXX XXXX XXXX XXXX in the amount of {$370.00}. Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to take care of the debt owed. I have finally found employment ( $ XXXX at a XXXX  ) and have been able to save. I am writing to ask if you would be willing to accept {$370.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please either e-mail or mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$370.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

The BarclaycardUS has a technical issue with scheduling repeat/auto payments online. On XX/XX/XXXX, I called a customer service agent and she had to schedule repeat payments for me over the phone because I couldn't do it from their desktop app ( didn't work ) and their mobile app doesn't have the feature. I got an email confirmation about the repeat payment being set for the next billing cycle. 

The next due date was on XX/XX/2020. BarclaycardUS didn't  pull the payment as scheduled from my checking account and charged me a late fee. I got on the phone with customer service, and the agent in charge immediately asked me to check with my bank. I asked her why would I need to do that, if I was sure that my bank had the money available and Barclays gave me a confirmation that they would pull the payment, she immediately changed her statement to say, it took two billing cycles for repeat payments to be effective to which I said that I needed to see where that information was posted because that was not my experience with previous Barclays repeat payments I set up myself or any other bank or service I have set up auto payments for, the information wasn't also communicated to me over the phone when I spoke to the agent to set up the repeat payments and it wasn't on the confirmation email, I requested to speak to a manager. The manager admitted there's no such policy, so basically this bank has employees trying to disregard people who need help, going as far as making up lies. The manager offered a {$25.00} credit that was immediately posted to my account, offered to waive the late fee, but it has been now more than 3 business days and it hasn't been waived and told me she would create an IT ticket to request my payment to be made effective. After 4 days of my payment being late, I decided to cancel the automatic payments altogether and make the payment myself manually, because I do not want to risk the bank reporting a late payment that wasn't my fault. I'm not describing the entirety of the conversation I had with the employee who lied to me, because it would take too long, this person lied several times, trying to basically get rid of me, and wouldn't pass me on to a manager immediately, I had to mention it several times. This bank wasted an entire hour of my time, and the situation was not entirely resolved. After all of this, all I got was a {$25.00} credit because the late payment fee hasn't been waived, the automatic payment wasn't pulled, and their website still doesn't work correctly. I had to clear cache and cookies and even after doing that it wouldn't work, the only way I discovered that I could schedule the repeat payments on my own was through incognito mode.
Product: Checking or savings account

Since XXXX  I have been getting charged various amounts from XXXX and requested refunds from cash app. I have no subscriptions but every month I get charged for something and constantly have to wait for a response and sometimes never answered. I have to keep my card locked because I never know when my card will be charged. And sometimes I never get a refund.
Product: Credit reporting or other personal consumer reports

Failure to Investigate Disputes and Provide Procedure Descriptions Subject : Equifax Non-Compliance with FCRA in Handling My Credit Report Disputes. 

I am writing to file a formal complaint against Equifax for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Details : Failure to Investigate Disputes : On XX/XX/year> and XX/XX/year> I submitted formal disputes to Equifax regarding inaccuracies in my credit report. Despite providing all necessary documentation, Equifax failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Lack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax did not provide this description within the 15-day timeframe mandated by the FCRA.

This lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Equifax practices and enforce adherence to federal regulations to protect consumers like myself.
Product: Credit card

Closed Claim XXXX from Midland Credit indicated that they attached documentation validating the {$740.00} debt that they are reporting on my credit. However, the original contract/application or any documentation that reflected my signature was provided. They did provide the credit card statements from several months and indicated that those documents ( see attached ) validated the debt. Again, this debt isn't valid!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted XXXX disputes regarding late payments to XXXX different creditors that were reported by Experian. I have attached the details of these disputes below. However, both Experian and the creditors have not provided any supporting evidence and simply responded by saying that the information was verified. Seeking clarification and assistance, I contacted Experian, but they were uncooperative and placed the responsibility on the creditor. The representative I spoke with was XXXX, identified by ID # XXXX. Upon requesting to speak with a supervisor, I was put on hold until one was available. However, when the representative returned, they informed me that the supervisor was now unavailable and refused to provide any additional information, except for a first name, citing policy and law without being able to provide the specific law and policy in question.