23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I don't know DRS!! My account is frozen!! That minds any scam false report can enter to my credit report, buy experian know my credit report is frozen and experian still letting scam and false enter to my credit report!
Product: Credit card or prepaid card

Received letter from Wells Fargo stating I made deposit. I have never used this card when I called they ask for social security number in which I would not give was told I was being transferred. Phone disconnected
Product: Checking or savings account

They charged me XXXX overdrafts to my account on Friday, XX/XX/XXXX... I deposited into the account and on Monday everything was fine and on Tuesday, XX/XX/year>, I woke up with XXXX overdraft charges of {$35.00} each. I asked for help and they told me no.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following entries on my credit report is the result of identity theft and should be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Checking or savings account

Through its XXXX XXXX XXXX XXXX, known as XXXX, XXXX XXXX charged consumers {$XXXX} for most overdraft transactions. The XXXX XXXX collected nearly {$XXXX} XXXX in overdraft fees from XXXX to XXXX. 

Members were illegally charged overdraft fees in XXXX ways. First, when they made purchases with their accounts showing enough money to cover the transaction, the XXXX XXXX still charged them overdraft fees if the account had a negative balance once the purchase posted to the account, sometimes days later. 

My account has also been frozen for almost XXXX  years they do not want to release my funds
Product: Credit reporting or other personal consumer reports

This is my SECOND 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 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 XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are trying to buy a home. Our lender has been working with us diligently and patiently. However, calling Equifax has been frustrating and time-consuming. I have called on numerous occasions to have someone fix my account as I am not able to lift my security freeze. The ongoing calls have been a month going on two months consecutively. 

On XX/XX/XXXX, I called back to Equifax to get my security freeze lifted. I provided all the pertinent information and explain the problem. When I log onto my.equifax.com, tab on manage my freeze, put in the dates I wish to temporarily lift the freeze, it gives me an error message asking me to call Equifax. This is how I know it is STILL not fixed after months of calling. ( See attachment for error ). The first representative by the name of XXXX, ID # XXXX, during the phone call, he stated the problem was fixed but he could not send me a confirmation number. I questioned his resolution of fixing the problem, but he could not provide an answer. Then, hung up and called my lender to inform the problem was fixed. My lender in-turned stated the problem was not fixed. Call back the second time, spoke to a representative name XXXX, ID # XXXX, stated the problem will be addressed and she placed me on hold for XXXX minutes. She came back and stated someone in Consumer affairs by the name of XXXX will fix the problem. I asked if she could transfer me to that department to speak with XXXX to make sure this is taken care of. She said she could not. I asked for a supervisor. A man by the name of XXXX, ID # XXXX stated he was a supervisor. I told him the issue, and he stated he see the problem but couldn't fix it. I told him this is unacceptable. The purpose of having a security freeze is for consumers to have control of their credit to prevent fraud from outsiders. However, I could not access my own account. He transferred me to someone else by the name of XXXX that says he is in Consumer Affairs. He provided a case # XXXX. I have been giving case numbers after case numbers and my account is still not rectified. This need to be escalated and corrected ASAP as this has held up our life pursuing a mortgage loan
Product: Credit reporting or other personal consumer reports

Hello to whom it may concern I was looking over my credit report and noticed that I had some unauthorized inquiries on my credit report from XXXX and from Experian and I want removed from my report asap because it's hurting my credit THANKS 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
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # 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 writteninstructions
Product: Credit card

I had a Chase freedom unlimited credit card ending in XXXX. I opened the account in XX/XX/. It was brought to my attention that Chase unilaterally closed my account. 
Chase did not make any attempts to resolve any problems with me beforehand. I never had a 30 day late payment. I have always paid on time as agreed. I never added any authorized users. This is not a joint account. My account is not associated with fraud. I never did anything illegal with my credit card ( e.g. ; online gambling ), I never submitted a Reg E claim, I never left the country or my state. I never let anyone use my credit card, I never reported my card lost or stolen. I used the card for a one-time balance transfer and paid as agreed. There is no reason for my account to be closed. Because Chase closed my credit card account due to no fault of my own, it negatively impacted my credit score by increasing my credit utilization ratio. In addition, Chase never sent me an adverse action notice as required by federal law. I seek to hold Chase accountable.
Product: Credit reporting or other personal consumer reports

I noticed highly inaccurate information on my Equifax credit report that is reporting information provided by XXXX. This information was serious discrepancies with monthly payments, monthly payment amounts, balances and other pertinent information. 

According to 15 U.S. Code 1681e, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Equifax is reporting balances that are different than what has been provided on my statements, payment amounts that are different than what has been provided on my statements and other errors.

Attached to this complaint is the information regarding such MAJOR inaccuracies. My rights have been violated according to 15 US Code 1681e and 15 US Code 1681i.
Product: Mortgage

Nationstar purchased my loan from XXXX XXXX XXXX around XX/XX/XXXX while I was still on ChapterXXXX. Right before the loan was sold I received an escrow analysis that stated my mortgage for the year was {$2000.00}. Once Nationstar started servicing it they said the mortgage was {$2400.00}. I brought this difference to Nationstar 's attention and they said they do their own escrow analysis when they take over a loan. I then started to pay the larger amount in XX/XX/XXXX. They finally adjusted the payment to the lower payment in XX/XX/XXXX. When I come out of Chapter XXXX in XX/XX/XXXX they informed me I was 4 months behind on my mortgage. This was attributed to payments they said I missed during my bankruptcy as well as my not paying the {$2400.00} amount versus the {$2000.00}. I went into a forbearance agreement with them that started XX/XX/XXXX for {$12000.00}. I complete the plan XX/XX/XXXX. They are still reporting the account in forbearance and that my account was 180 day late. Considering they gave me an escrow refund of {$5700.00} in XX/XX/XXXX I to have been severely overcharged during the time they serviced the loan. If you subtract {$5700.00} from {$12000.00} you would get {$7100.00}. That would equal to about 3 1/2 months. I have disputed this with the mortgage company and XXXX. Nationstar continues to respond to XXXX that their reporting is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I review my credit report, I see there is incomplete and inaccurate information. The errors that I've found : payment history is missing, date of last activity is not recent, date of first delinquency is missing, monthly payment and terms are also missing. Please correct or delete this account from my credit reports.
Product: Credit card or prepaid card

On XX/XX/XXXX and early morning on XX/XX/XXXX XXXX I paid for entry into the XXXX night club. The door charge that night was {$40.00}. I didn't have cash on hand so they allowed me to pay with my card. To my surprise the next day I found a charge of {$400.00} on my card. I sent a few messages to the business and they ignored me. I also called and no one has called me back to this day. I disputed this with my bank ( Truist ) and they denied my claim because I didn't have a receipt. I explained to them the situation and asked how would a receipt that would say {$400.00} fix this issue. I showed them additional proof which was in the form of flyers that said {$40.00} entry. My next point would be to say that I wasn't charge any taxes or tips on that fee which shows it was entry fee only. It is easy to make {$40.00} into {$400.00} in that atmosphere on the machine and I wasn't given a receipt. 

Truist has refused to look into this further and still hasn't given me a proper explanation.
Product: Debt collection

I tried to reach out to national credit system to work out payment and also validate the death and send me any information on the account which they did not I have no contract with this company and they do not have any signatures finding any agreements with myself and them which I do not owe this money to they keep reporting is negatively monthly on my report sandwich in XXXX XXXX Ive asked to delete it and they refuse and did not validate anything when I ask for something sent to me in writing.
Product: Money transfer, virtual currency, or money service

XXXX XXXX and Webster bank. Several problems : 1. Requested through another bank to transfer funds out. It's been 20 days and despite several promises, nothing. Very long transaction just to make a transfer. 
2. Even with the long wait to transfer, they were able to send a check for the wrong amount and for benefit of the wrong person but under my account number. The gaining bank called me and was very confused. An hour on the phone corrected it!

3. As a veteran when seeking VA medical care, the bank can't deposit funds employer contributions to my account. That changed on XX/XX/2016, under the Veterans Health Care Choice Improvement act. Did XXXX XXXX change their continued policy of not depositing those funds? Nope. 

This bank is the worst financial institution I have dealt with. Very poor and customer service is non-existent even after making several calls to the bank with their promises to fix!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent Accounts has Violated my rights. 
15. u, s.c 1681 section 602 A. States I have the right to Privacy. 

15. u.s.c section 604 A. section 2. It also states a Consumer reporting agency can not furnish a account without my written Instructions. 
XXXX XXXX {$350.00} Delete XXXX XXXX XXXX XXXX {$830.00} Delete XXXX  XXXX {$5800.00} Delete XXXX  XXXX {$2400.00} Delete
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a request to Trans Union, XXXX, and XXXX advising them that I wish to Opt-Out per 15 USC 6802b , 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ) on the accounts listed below and no one has responded to me as of today. 

XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX
Product: Credit reporting or other personal consumer reports

I have a credit security freeze with Experian. I tried to temporarily lift my credit freeze on XX/XX/23 and what comes up first on my " Credit Overview '' tab page is " Your Experian credit file is unlocked. '' They recommend that I pay them to " unlock '' and " access my credit '' despite having a free credit freeze currently enabled on my account ( which is locked thanks to my SSN being leaked in the XXXX data leak ). 

This is a trick on Experian 's end to get people to buy their products. At the very very bottom of the page, the option to manage my free, federally mandated security freeze comes up. I am concerned that others will not realize this, and will instead pay Experian for a service which is federally required to be free since the large XXXX data leak. This behavior is absolutely unacceptable and very sneaky. 

Options to manage security freezes should be the first visible things on all of the 3 major credit bureaus ' websites.
Product: Debt collection

Forster & Garbus violated the Consumer Financial Protection Acts prohibition against deceptive acts and practices by making such representations to consumers through its lawsuits. On XX/XX/XXXX I've received doc from superior court of New Jersey from Forster, Garus & Garbus the New jersey firm trying to collect {$580.00} remain balance, Which is incorrect in XX/XX/XXXX, I had sign a Stipulation of Settlement and faxed back to XXXX XXXX from Forster Garus, the Stipulation on the agreement of {$1300.00} I paid in XXXX of XXXX, The Court docs is stating the I defaulted on my XX/XX/XXXX which is incorrect I had completed all payments in XX/XX/XXXX, Also call XXXX XXXX to confirm, Which was confirmed verbally, they are stating that because I defaulted in XXXX I now own {$580.00} which would equal that original amount, If feel this Illegal, fraud and I'm being scam for more money. I have all my bank statement that I completely paid them in XXXX for the amount agreed. I have attachment my bank statement showing payment date and amount, some of the payment receipt from Forster, Garus.
Product: Credit reporting or other personal consumer reports

I have a couple of accounts that I have never had that's under my inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint regarding inaccurate personal information that appears on my Equifax report. I have sent three letters over the past six months to Equifax with attachments from the FTC as evidence of my current and previous address, and how the current address that is reported on my report is inaccurate. However, Equifax refuses to delete the address from my report. Under the FCRA, Duties of Users of Credit Reports Regarding Address Discrepancies Section 605 ( h ) ; 15 USC 1681c ( h ) ; 12 CFR 1022.82 ( 1 ) requires that, when providing a consumer report to a person that requests the report ( a user ), a nationwide consumer reporting agency ( NCRA ) must provide a notice of address discrepancy to the user if the address provided by the user in its request substantially differs from the address the NCRA has in the consumers file. Section 605 ( h ) ( 2 ) requires the federal banking agencies and the NCUA ( the Agencies ), and the FTC to prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of address discrepancy. I request that the inaccurate address is removed from my credit report immediately.
Product: Debt collection

To whom it may concern, supplying statements without evidence of a signed contract ( assuming it was requested by the consumer ) does not validate the debt. Please be so kind as to reference the below request, which should be provided as FULL validation of this debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX.

1. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - 1998 Incorrect Name : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Previous Address : - XXXX BANNER CT, XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged TD/TARGET - XXXX Listed below are the Inquiries that are being challenged UPSTALCU - XXXX Your agency is XXXX breach of the law! According to XXXX XXXX. XXXX section XXXX A, I am entitled to privacy. Furthermore, XXXX XXXX. XXXX Section XXXX A Section XXXX specifies that a consumer reporting agency XXXX not provide an account without my explicit written permission. Additionally, XXXX XXXX. XXXX. ( a ) ( XXXX ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than XXXX years ago, except for criminal convictions. Lastly, XXXX XXXX. XXXX ( A ) ( XXXX ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX unauthorised Hard enquiries on my account which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EXPERIAN any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination
Product: Debt collection

I have previously filed a complaint against KeyBridge Medical Revenue for 3 collection accounts that I paid and they refuse to remove off my credit report as they state "it goes against their practices" However after filing a complaint with the XXXX XXXX XXXX I see that INFACT they DO remove collection accounts either in a plan to "PAY TO DELETE" I guess I should have done more research on this practice. I just paid them totaling XXXX and now being punished by paying the bill and not causing a fuss and it is impacting my credit score.So, their ethics are XXXX and all they want to do is hurt UNAWARE folks who don't know how to play the game. I have 3 collections that are on my report marked paid, but they are still showing as collections. They need to be removed! I filed my complaint today with the XXXX XXXX XXXX and my final step will be with my attorney XXXX XXXX XXXX. XXXX for litigation.I have copied items from the XXXX page for documentation here to show Keybridges "BOGUS GUIDELINES" and show how they pick and choose who to hurt and take advantage of those who do not know.