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

I filed a dispute on Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, all of which are listed on my report. Despite my efforts the recent dispute did not resolve the errors. I have learned that CFPB has initiated a lawsuit against Experian for allegedly accepting unreliable information and failing to inform consumers about the results of their disputes, which clearly resonates with my situation. Experian has not made any effort to either correct or remove the inaccurate information from my report. I am urgently requesting the immediate removal or correct of these derogatory remarks, as they are significantly impacting my ability to secure a home, vehicle, and more. Experian 's actions are in violation of my consumer rights as well as federal regulations. I insist that all inaccuracies be rectified immediately.
Product: Credit reporting or other personal consumer reports

XXXX for XXXX XXXX XX/XX/year> & XXXX XX/XX/year>. These were not authorized by me. Please remove. 

I applied for an AMEX credit card XX/XX/year>. Amex pulled from XXXX and XXXX which left me with XXXX hard inquiries on my credit report for XXXX credit card app. I called to have this issue corrected and I was told I needed to dispute it with the credit bureaus. This has been frustrating to say the least because the credit bureaus has not been helpful either. I am asking for this to be corrected ASAP.
Product: Credit card or prepaid card

I have disputed these account Due to these accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am victim of identity theft and did not make these charges whatsoever. 
XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been XXXX that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL of my personal identification data was made available to criminals for illegal uses by a large credit reporting bureau. EQUIFAX. 

My personal financial damages have not yet been determined entirely as of this point due to the fact that the likelihood of my identity being pirated at any time in the future for illegal purposes is quite high. 

My minimum damages from this breach appear to be XXXX per month for professional XXXX XXXX for the remainder of my life. For me and my wife, the total minimum damages is an estimated XXXX 

If my personal information ends up being used by criminals these damages could be XXXX higher. 

This is very scary! 

Please tell me the Consumer Financial Protection Bureau has my back.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$250.00} 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.
Product: Debt collection

A payday loan was reported on my credit bureau report. I never received or signed a contract for a loan with this company. They have continually tried to get paid for a fictional loan. There was never any disbursement to me. The perpetrator of this criminal act is CashNetUSA.
Product: Bank account or service

Wells Fargo took {$600.00} from my account TWICE and made it very difficult for me to get my money back. On XXXX/XXXX/16 I deposited several checks into a Wells Fargo ATM. The machine mis-read XXXX of the checks as {$700.00}, instead of the proper amount, {$100.00}. I noticed the error and called Wells Fargo on XXXX/XXXX/16 to alert them. NOTHING WAS THEN DONE. It was not until XXXX/XXXX/16 that the extra {$600.00} was removed from my account. But then, one week later, on XXXX/XXXX/16 an ADDITIONAL {$600.00} was removed from my account. Or was it perhaps purposefully stolen, hoping I would not notice ...?? I do not know, but part of me suspects the latter because of how difficult Wells Fargo made it for me to get it back. Wells Fargo purposefully creates a system so that it is diffcult for customers to get money returned that was removed 'in error ''. Let me explain : I noticed the second withdrawl of the additional {$600.00} quickly and I called customer service on XXXX/XXXX/16. This is where Wells Fargo began to make it very unpleasant and hard for me to get my money back. I called the 24 hour Customer Service line ( on XXXX/XXXX/16, at night when it was convenient for me ). I spoke with Customer Service representative " XXXX ''. This call took over 20 minutes, in fact nearly 30 minutes. At the end he said he could not assist on his own, he could only forward my 'claim ' to another department. But he said I could call the other department myself if I wished. But this department is NOT open 24 hours. I would have to take time out of my busy work day and away from my family during the daytime. I was FURIOUS! XXXX gave me a reference # : XXXX and I called the following morning, on XXXX/XXXX/16. I SPENT 45 MINUTES ON HOLD BEFORE ANYONE ANSWERED. Then I spent another 15 minutes speaking with representative " XXXX '' having to explain the problem AGAIN..!! At the end of the call I was told my money would be returned that day. By the end of business day XXXX/XXXX/16 the money was NOT returned. I called again on XXXX/XXXX/16. Again I was ON HOLD FOR 34 MINUTES before anyone answered. I spoke with " XXXX XXXX ''. Again I had to explain the entire story again. I was told my money would be returned. I asked XXXX XXXX to note for the record that I wanted Wells Fargo to reverse charges on my business checking and savings account ( approx {$100.00} ) that had accrued during 2016 ) as modest compensation for the incompetence in taking {$600.00} a second time without first checking that it had already been removed, AND as compensation for all the time Wells Fargo required of me. It is AWFUL and an act of HOSTILITY towards loyal customers to steal so much time from us and our families to fix " errors ''. WELLS FARGO SHOULD HAVE THIS DEPARTMENT OPEN 24 HOURS ; or allow the normal 24 hour customer service rep 's to handle this kind of issue. I am FURIOUS Wells Fargo made me spend so much time to get my money back. I am furious I could not solve it simply by contacting the 24 hour customer service line. THIS IS AWFUL ...!! Shame on you Wells Fargo..!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX and bank stole my identity. The agent asked me to send in documents as far as a divorce to decree due to these accounts being opened fraudulent and sent over the information to get them deleted off my credit report not only did XXXX XXXX make it seem like i opened those accounts by updating my name as if i opened those accounts in general. At this point XXXX  XXXX stole my identity i did not give consent to open those accounts under no previous or current names. The phone number they have on file is not my number nor my email address. XXXX  XXXX is updating people information and that is fraud and forgery.
Product: Credit card or prepaid card

I have tried to contact Sears office, and they ignore me and put me on hold, then the phone hung up. I have a Sears Citibank Credit Card, and I made a purchase on a Promotional balance putting over {$2000.00} on my credit card in XX/XX/XXXX ; however, I requested a refund back on my credit card for the entire purchase from the merchant in the same month the purchase was made. The merchant refunded all of the money back to my credit card. I called Sears Credit Card and spoke with a man and he told me since the purchase was refunded, I should not incur interest charged because I was refunded the credit. He also stated that the promotional balance was only for purchases made, and mine was refunded. Now, in XX/XX/XXXX, I am unlawfully being charged " INTEREST CHARGE ON PURCHASES {$800.00} '' for purchase that was returned and refunded back to me in XX/XX/XXXX. This is unlawful and unfair of this merchant to do this. I even sent a secure message to them and they have ignored. I should be refunded the full amount of the interest for the Purchase that was returned in the same month it was purchased in XX/XX/XXXX. 

See Statements Attached.
Product: Debt collection

Hunter and Warfield purposely sent collection letter to my old address ( address landlord is collecting on ) instead of new address even though it is listed in my paper work from landlord I never received initial collection letter to dispute Hunter Warfield illegally place this account on my credit without giving me the fair right to dispute this account causing it to harm my credit.
Product: Checking or savings account

On XX/XX/19 Bank of America charged me 2 overdraft fees on my account. One was for a reoccurring payment for XXXX which was set up via debit card. I explained to BOA that payment was debit and should not have been paid. BOA explained that they pick and choose who theyll still pay if you dont have the funds to cover it. I never agreed to this type of banking. I feel that BOA is getting over on consumers by paying smaller amounts ( which still is not available in my account ) then charge you a overdraft fee due to the funds not being available but wont allow other payments to go through even though its the same situation. I will be closing my account with BOA due to improper practices and not informing consumers on why or how they conduct business.
Product: Credit reporting or other personal consumer reports

There is a zero balance on child support and it's been paid off over 7 plus years and it's still shows on my report even after I asked to remove it
Product: Debt collection

Radius Global Solutions was contacted by me did not provide me with accurate information. I do not know what this particular debt is about with the amount of {$110.00} which is being reported on my credit report. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit report. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving XXXX. Pursuant to my rights under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to substantiate my claim. 
Under the FCRA, XXXX XXXX. XXXX, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within XXXX business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX ACOUNT # XXXX XXXX. XXXX XXXX XXXXXXXX ACOUNT # XXXX XXXX. XXXX XXXX XXXXXXXX ACOUNT # XXXX XXXX. XXXX XXXX XXXXXXXX ACOUNT # XXXX XXXX. XXXX XXXX ACOUNT XXXX XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

I am writing to you as the holder of my Auto Loan account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Auto Loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I pulled my credit report and saw fraudulently credit card accounts where open in my name. 
It also has incorrect personal information on it, such as my multiple names, addresses, birth year, and phone number and social security number. 
I have called, mailed, and disputed online and XXXX, XXXX, and Equifax still have not remove the fraudulent items from my credit report. 
I never opened XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not have any knowledge of any of these accounts on my credit report. I never authorized any of these credit cards to be open! 
At the time some of these accounts where open I was only XXXX XXXX XXXX. I have called, mailed, and disputed online and they still have not remove the accounts. 
I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an collection with a company called XXXX XXXX   account # XXXX  This isn't my account, shortly after Equifax had a data breach, this collection popped up on my credit report from out of thin air.

I disputed this account & requested them to produce a signed contract with my name on it, instead they sent me a credit report stating that the account was verified which is impossible, if they would have really investigated this account rather that using their XXXX  system, they would've know that this account isn't mine.

Is XXXX XXXX even licensed to collect debt in North Carolina?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inquiries that appear on my credit report, as they are the result of identity theft. I previously submitted an identity theft report through the Federal Trade Commission ( FTC ) and have attached a copy of this report for your reference. Despite my submission, I was informed that these inquiries were deemed valid ; however, I respectfully disagree and urge you to reassess this matter in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Reporting and Accuracy Act ( FCRAA ). 
The unauthorized inquiries in question are as follows : Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block information resulting from identity theft from a consumers file once the consumer provides :
Product: Credit card

On XX/XX/XXXX, I logged into the TD Bank online portal to access my Raymour and Flanigan credit card account. On that date, I scheduled two payments : one for {$100.00} due on XX/XX/XXXX, and another for {$100.00} on XX/XX/XXXX. 

However, on XX/XX/XXXX, upon receiving my physical credit card invoice, I noticed a {$29.00} late fee on the account. Upon logging into my account, I observed that the payment I had set up on XX/XX/XXXX, to cover my XX/XX/XXXX, payment had been canceled. Surprisingly, the payment for XX/XX/XXXX, was still pending on XX/XX/XXXX. In response to the late fee, I contacted customer service. 

The representative acknowledged that I had scheduled two payments on XX/XX/XXXX, but explained that the system does not allow for two payments to be simultaneously in a " pending '' status. When I set up the payment for XX/XX/XXXX, it automatically canceled my XX/XX/XXXX, payment, leading to a missed payment. Fortunately, the representative was able to reverse the {$29.00} fee. 

Unfortunately, the situation worsened as TD Bank decided to cut my credit line by XXXX  due to this system mishap. Upon inquiry, another department explained that the credit line reduction was a consequence of a late payment on the account. Despite having never made a late payment before, the system 's automatic cancellation led to this unfavorable outcome. 

To restore my credit line back to {$9000.00}, the representative informed me that they would need to pull my credit again. I find this request unreasonable, considering it stems from a system glitch and involves an individual with a clean payment history on this card and all other credit cards. 

I have attached a snapshot of the payment status page from their website for your reference. Please review the dates and times of the requests. On XX/XX/XXXX, at XXXX XXXX, I set up a {$100.00} payment. One minute later on the same date, I established another {$100.00} payment scheduled for XX/XX/XXXX. To test my cancellation theory, on XX/XX/XXXX, at XXXX XXXX, I set a payment as a " pay now '' option for {$150.00}. Upon accessing my online account on XX/XX/XXXX, the status of this payment was processed. Subsequently, I made an " on this date payment '' for {$160.00}, dated for XX/XX/XXXX. This set up canceled the previously processed " pay now '' payment. I find this situation deceptive and seek resolution.
Product: Credit reporting or other personal consumer reports

Going to continue to report this every day for the rest of my life until this wrong information is removed off my account by National Credit Systems Inc.
Product: Mortgage

Beginning XX/XX/XXXX I received a letter from Ruoff Mortgage stating their records showed I had no insurance on my property. I called informing them that my insurance company changed 3 days after loan closed XX/XX/XXXX. Gave them the updated company name, phone number and policy number. Late the following month, XX/XX/XXXX, my insurance company contacted me stating Ruoff hadn't paid, from my escrow account, my insurance premium yet and that my policy would expire XX/XX/XXXX. I called Ruoff and they said they didn't have my insurance company, XXXX, on my account and therefore couldn't them. Again, like the previous month, I gave all of my insurance information to Ruoff so they could correct their record on my account and pay my insurance premium. A couple of weeks pass and my insurance company calls to say no payment has been received, and my policy would expire in a week. At that point, afraid my policy might expire before Ruoff would finally straighten their records out, I paid directly to XXXX to keep sure my policy wouldn't expire -- XXXX said they'd refund me once Ruoff finally pays them -- I made that payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX finally paid my insurance premium to XXXX out of my escrow -- happy day, right? No, although Ruoff paid my insurance to XXXX on XX/XX/XXXX, they then purchased a policy in the amount of {$1300.00} on XX/XX/XXXX. Why? Because they said I had no insurance. They've added an increase in my payment to " repay '' them for this {$1300.00} policy. I've called multiple times over the last 2 months trying to correct this, their mistake. My insurance company has emailed them all of my information 2 times over the last month, as have I twice, and faxed them the insurance policy 2 times as well. I even received an email back, once, from Ruoff acknowledging they received my insurance, but they're yet to refund the {$1300.00} and re-adjust my monthly payment accordingly. Over the last 4 weeks I've spoken with 3 Ruoff associates,  and 2 managers by the name of XXXX -- each time they say the don't have my XXXX insurance policy and act as if it's my first time calling about the situation. When I spoke with the Ruoff manager,  XXXX, last time I asked how could they not have my XXXX insurance on file, then how did they pay XXXX my premium on XX/XX/XXXX? And by paying XXXX on XX/XX/XXXX for my inurance why would they then pay {$1300.00} for that other policy 47 days later on XX/XX/XXXX? It makes absolute no sense? Now I'm XXXX XXXX from my job due to COVID-19 and although I can pay my house payment, the extra added amount to " pay back '' that {$1300.00}, which is their mistake, is very difficult. This needs corrected, it's wrong and it's their mistake that will not fix
Product: Credit reporting or other personal consumer reports

I sent a letter to the XXXX and TransUnion Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX