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

I hereby submit a renewed complaint to apprise you of the identity theft incident I have fallen victim to. I revisited the FEDERAL TRADE COMMISSION website, accessible at https : //www.ftc.gov, and proceeded to file an identity theft report, as mandated by the FCRA section 605b. It is imperative that Credit Reporting Agencies, as per this section, expeditiously expunge any entries attributed to the identity theft report I submitted. Enclosed herewith are the pertinent documents facilitating the removal of inaccurate information currently reflected on my credit report. The ensuing is a catalog of items erroneously associated with my identity or opened without my explicit authorization, as observed in the credit reports of different agencies : -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to expunge any information identified by the consumer as resulting from alleged identity theft within four business days of receipt.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2023. 17 or more inquiries.no action was taking.
Product: Credit reporting, credit repair services, or other personal consumer reports

i cant get a response from the credit agencys The accounts listed here and several others that i have no room to list are not mine and represent fraud by being posted on my credit file. This was concluded after checking my personal information in my credit file and noticing variations of names and addresses that were not mine, nor did I change my name or address since these fraud items were noticed to confuse the fact of who I am. I'm not aware of who is responsible for my identity misuses and I just learned of this identity theft after viewing a recent credit report of which accounts reference in this FTC complaint contains within. I will be researching fraud alerts that are entered in my credit file along with this FTC filed notice. Because of the severity in damage this fraud is causing, Im seeking legal counsel that will inform me further in reporting this to the proper law enforcement department and once completed I will then update this incident with a case number to follow up with the Consumer Financial Protection Bureau
Product: Debt collection

I have contacted XXXX multiple times regarding a collection they report that I owe. I paid off, ported, and canceled my account with them when I joined my aunt 's account in XX/XX/year>. XXXX mistakenly did not cancel my account until XX/XX/year>, therefore they were billing my account for a phone line that I already had transferred. XXXX is now stating that the collection agency will have to update their records, but the problem started with XXXX as they are the company reporting the balance. They removed the collection from my account and added it back a few months later. Now a different collection agency is reporting the debt.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate reporting of late payments by XXXX XXXX XXXX XXXX on my credit report. Despite my attempts to dispute this issue directly with the bank, the incorrect information remains on my credit report, negatively affecting my credit score. 

The details of the issue are as follows : Inaccurate Late Payments : XXXX XXXX XXXX XXXX  has incorrectly reported late payments on my credit card account, even though I have made all payments on time. These incorrect late payment entries are adversely impacting my credit profile. 

Disputes Not Resolved : I have attempted to resolve this issue directly with XXXX XXXX XXXX XXXX  by [ briefly describe your attempts, e.g., disputing the late payments with the credit bureaus or contacting the bank directly ], but the errors have not been corrected, and the inaccurate information remains on my credit reports with Equifax, XXXX, and XXXX. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX XXXX XXXX corrects the inaccurate information on my credit report. I also request that the bank be held accountable for their failure to correct these inaccuracies, which have caused significant harm to my credit score. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need further information or documentation to support my complaint.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/24 Bank of America fictitiously reported negative information dropping my XXXX  score over 100 points. As someone that dreams to buy a home in the future, this is devastating. I'm hoping the CFPB can help me! Bank of America recently updated XXXX that two closed accounts were charged off and they were actually discharged in Bankruptcy. I've tried disputing it on my XXXX credit bureau and my dispute actually messed things up more and triggered a recent serious delinquency on my XXXX. This is in violation of federal bankruptcy laws and I demand my XXXX be updated immediately to reflect the discharge and the serious delinquency be removed. I am attaching a copy of my discharge from years ago. As of XX/XX/24 Bank of America fictitiously reported negative information dropping my XXXX score over XXXX points. 

Acct Numbers ending in # XXXX + XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I received a phone call from someone named XXXX purporting to be from Chase Bank advising that they needed some information from me regarding my credit cards. I advised that I wasn't comfortable providing any information as she could not confirm that she was actually from Chase Bank. I advised that I would call Chase back and provide the requested information. She advised that this was for a credit review and that I could call them back and provide the necessary information for the review. Immediately upon getting off the call, I called Chase in order to provide the requested information. However, upon speaking with Chase, they advised that the review was already conducted and they decreased the limits on all of my credit cards with them by half. This negatively impacts my credit score, and I was not given an opportunity to provide additional information that could have affected the review. I was lied to and told that I could call back and provide additional information, and I did so within 30 seconds of the initial call from XXXX. 

They did this on XXXX cards : XXXX ; XXXX ; XXXX
Product: Debt collection

XXXX, XXXX, XXXX and Allied Collection has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt is outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This is not the original creditor and I have no contract with Allied Collection and have never done business with them. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Product: Debt collection

I'm writing in regards to an account that was unfairly ( UAADP ) added to my consumer report. This account does not belong to me. I have never done business with this company. Yet my non-public personal information was used illegally by this company to damage my credit report and credit score. This is a violation and considered identity theft. In Title 15 U.S.C. Sub-section 1681 ( a ). My non-public personal information can not be disclosed without my prior authorization. This account is to be deleted immediately from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wording on status is incorrect. On report states foreclosure started 2017. This foreclosure has been completed and updated on all other bureau s but Experian have done 3 disputes no results. XXXX XXXX  is lender and reported correctly
Product: Vehicle loan or lease

I sold my XXXX Toyota XXXX in XXXX of XXXX. The vehicle was paid off and I collected positive equity in the vehicle from the purchaser. I received a statement in my mail 3 weeks after the truck was sold. This statement was from Toyota Financial Services, saying the account was satisfied and the vehicle loan was paid off and my account was finalized. On XX/XX/XXXX  an automatic payment was taken from my account without my permission. When I called Toyota Financial Services the representative informed me the automatic payments on my account have been turned back on and there would be another payment processed in XXXX. The representative had no authority to stop the automatic payments. So I spoke with his manager and she didnt have the authority either. So I spoke with her manager and she didnt have the authority as well. Their solution to me was to go into the Toyota Financial Services phone app and stop the payments through the app on the phone. However because the truck is paid off and the account has been satisfied I have a restricted account and certain features are removed. I have no ability to stop these future automatic payments through the app. I informed the representative who then told me through the app I should remove my banking information. When I went into the app to remove my banking information the message this is a restricted account you dont have the following permissions is shown. So I cant remove my banking information. So I had to request a refund from Toyota Financial Services and call my own bank to order a stop payment from Toyota Financial Services. However it has been a week and I still dont have the money that was wrongfully taken from my account.
Product: Mortgage

I sent to Ocwen Loan Servicing an early payment on XXXX/XXXX/2015 to be applied to my currently outstanding principle. I found out it was n't applied the date Ocwen received the payment, XXXX/XXXX/15, but was applied to XXXX/XXXX/2015 due date instead. I asked for the correction and the earliest day they can apply it to was the next due date, XXXX/XXXX/2015. This practice is consistent every time I make early payment, 3 times so far. As interest is accrue on a daily basis, why ca n't my payment be applied to my outstanding principle the date payment is received? This practice is unfair and cost consumer money. I 'm not happy and I wish something can be done to fix this practice at Ocwen Loan Servicing LLC .
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as XXXX, XXXX, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I attempted to add funds to my Blurbird account this weekend. Immediately upon attempting the transaction, it stated that the account I was transferring was not mine and canceled the transaction. The funny thing is that I have owned that account for at least XXXX years, and there is no possible way that it is not owned by me. I then received an email that my Bluebird account was closed. The problem is that I not only have funds in the account, I also transferred last week funds from XXXX XXXX catcher program as well. Right now those funds are being held hostage by American Express since I 'violated ' their terms of agreement, at least according to them. I will take legal action against them if the funds are not returned. The amount of the funds is not important to me, but fairness is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XXXX to inform XXXX  that I am a victim of identity theft. They resolved some errors however theses accounts that do not belong to me remain. XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Credit reporting or other personal consumer reports

Tried to dispute possibly fraud on my account never received a phone call back about 3month ago I need proof & paperwork with my signatures saying I Im responsible for this account being opened in my name, I wan na file possible fraudulent activity on my account
Product: Debt collection

XXXX is trying to collect debt on charges that are not mine. Charges occurred on XXXX, XXXX and i got a bill with the charges in XXXX. Called XXXX and they claim that they will take care of it since it's not my charges. In XXXX i got a letter in the mail from a debt collection agency named Convergent that i owe {$2500.00}. Spoke to them on XX/XX/XXXX and told them it's not my debt. Also, sent them police report from XXXX XXXX PD that i reported this a fraud. XXXX Account # XXXX and Convergent phone # XXXX.
Product: Credit reporting or other personal consumer reports

Ive sent in a FTC report and all verifying documents regarding the inaccuracies on my report. The bureau has disregarded everything I sent it.
Product: Credit card

I signed up a few years ago for an Amazon Credit Card, as I was a poor XXXX  XXXX  and wanted the {$50.00} gift card that came with it. Unbeknownst to me, Amazon went ahead and activated the card before it was delivered, and they automatically added the card as a default backup payment to my Amazon account. 

At some point, I purchased something and went about my day. Amazon, unlike ANY other retailer I have experience with, waits up to 3 hours to charge debit cards ( which is to my understanding not a part of any industry standard policy ). In the hours that had passed, I can only guess that my balance changed for my debit card, and I had insufficient funds. Amazon decides that if you authorize payment with one financial institution it also means you're authorizing payment on an Amazon Credit Card, a card that I never even activated and never set as a default payment.

As my Amazon account was through a XXXX  email, I at some point lost access to my account. This seems abusive and it feels like a corporation fishing for low-hanging and financially disadvantaged fruit, especially in the context of users being at checkout, seeing a checkbox saying " Get {$50.00} for free '', and not realizing it could cost them half a point on their credit score. 

In short : Amazon 's credit card and transaction authorization policies are unethical, and predatory, and lack a clear boundary of consensual payment when handling credit/debit cards from different financial institutions.
Product: Debt collection

I am the victim of identity theft. On XX/XX/XXXX, I discovered a XXXX " collections '' entry on my XXXX credit report that was not mine. On XX/XX/XXXX, I called Pinnacle/ XXXX XXXX and spoke with " XXXX , '' who confirmed that the name of the person who stole my identity was attached to the collections account ( not my name ). " XXXX '' told me to submit a faxed dispute to XXXX XXXX XXXX. 

I submitted a faxed dispute to Pinnacle/ XXXX XXXX on XX/XX/XXXX. However, I received no response to my dispute from Pinnacle/XXXX. So on XX/XX/XXXX, I called Pinnacle/XXXX again ( speaking with " XXXX '' at ext. XXXX ) to confirm that Pinnacle had stopped reporting the erroneous collections entry to XXXX. XXXX confirmed that, XX/XX/XXXX, Pinnacle had stopped reporting the erroneous entry, and he mentioned that the collections account had been closed due to the fraud. 

On XX/XX/XXXX, I obtained a copy of my current XXXX credit report, and discovered that **the Pinnacle collections entry was still showing on my XXXX credit report, XXXX months after Pinnacle supposedly stopped reporting it and closed the subject account due to fraud. **Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector may not report a debt to a Consumer Reporting Agency ( CRA ) ( such as, in this case, XXXX ) if the debt has been disputed, and has not been verified within thirty days of the consumer 's initial notice of dispute. 

Pinnacle/ XXXX has failed to provide me any verification of the subject debt more than six months after I first notified Pinnacle of a dispute ; and indeed, earlier this month, Pinnacle assured me that the account had been closed due to the fraud. 

As such, Pinnacle is in standing violation of the FDCPA and the FCPA by continuing to report this inaccurate information to XXXX and the other CRAs.
Product: Checking or savings account

Wells Fargo is at it again. They have began charging unjustified overdraft fees again. I was charged {$35.00} for supposedly paying for a transaction that I did not have funds to cover. I did not sign up for an overdraft program. I was promised that if no funds were available the transactions would simply be declined. I checked with the bank that supposedly received the money and they said Wells Fargo did not approve the transaction. Wells Fargo did not pay XXXX XXXX but wont return it to me either then on top of that is charging me XXXX $