23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER HAD XXXX  AT MY ADDRESS AND THIS ACCOUNT WAS STARTED BY SOMEONE OTHER THAN MYSELF USING INFORMATION THEY PROBABLY OBTAINED FROM THE DOCUMENTATION AND IDENTITY AND CREDENTIALS THAT WERE IN MY VEHICLE THAT WAS AUCTIONED OFF. 

THIS WAS REPORTED TO AND UNDER INVESTIGATION BY THE UNITED STATES POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISIONS, MANAGER XXXX XXXX OF THE US POSTAL INSPECTION SERVICE AND POLICE. 

THIS ACCOUNT WAS REPORTED OPENED ON XX/XX/2018 ON XXXX CREDIT REPORT # XXXX, WHICH IS VERY UNLIKELY TO BE ME WHO OPENED THE ACCOUNT AS I WAS NOT EVEN IN THE UNITED STATES DURING THAT TIME. 

AS SUCH, PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT AS IT IS HURTING MY ABILITY TO APPLY FOR CREDIT PRODUCTS AND EMPLOYMENT WITH THIS COLLECTION ITEM SHOWING ON MY CREDIT REPORT. 

A COMPLAINT ABOUT INACCURATE REPORTING HAS BEEN FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU REGARDING XXXX  AND DIVERSIFIED CONSULTANTS INC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an email from the CFPB regarding a disputed account on my TransUnion Credit Report. The account in the dispute is XXXX XXXX  acct # XXXX this account still appears on my credit file even after the results from the CFPB. Attached is a copy of the email from the CFPB stating that TransUnion will delete this acct. This what on my email response from TransUnion Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : Maintenance was performed on the following accounts and/or public records. XXXX XXXX DELETED
Product: Checking or savings account

Wells Fargo applied overdraft fees before or simultaneously at the same time as withdrawals were being processed
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$18000.00}, XXXX XXXX Balance Owed : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX ) XXXX 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 an 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, credit repair services, or other personal consumer reports

I filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on Experian XX/XX/XXXX or XXXX XXXX XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active Experian reports XX/XX/XXXX XXXX  reports XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida
Product: Debt collection

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows is the item in error : Collections : CENTRAL PORTFOLIO CONT, reporting for XXXX XXXX XXXX XXXX XXXX for {$5300.00}, Account XXXX, Opened on XX/XX/XXXX, Updated XX/XX/XXXX. By the provisions of the FCRA ( Fair Credit Reporting Act ) I request that these items be investigated and removed from my report. I have absolutely no knowledge of this account. I understand that you will recheck these items with the creditor who has furnished this information. Please remove any information that the creditor can not verify. As I understand that under 15 U.S.C. Sec.1681 ( e ) B, you must complete this reinvestigation within 30 days of receipt of this letter. 

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

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

this is supplemental to complaint # XXXX on XX/XX/18 contract resolve responded to my above referenced complaint with threats of retaliation by texts, emails and phone calls. the emails included name calling directed at me, confidential information was shared with the city code enforcement and including an email they sent to the chamber of commerce with what appeared to be an attemot to initiate a loan request in my name. i have all messages saved including tracking data to verify origin.
Product: Credit reporting

I am victim of identity theft and have accounts listed on my credit report that do n't belong to me. I have sent numerous police reports and letters to Equifax disputing the inaccurate information listed on my credit report and Equifax has sent me numerous letters informing me the information is accurate and will remain on my credit report. The following accounts listed on my credit report are fraudulent and I want them removed immediately from my Equifax credit report : XXXX XXXX Bank, Account Number : XXXX XXXX Bank, Account Number : XXXX XXXX, Account Number : XXXX XXXX Bank XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX Bank, Account number : XXXX
Product: Debt collection

Used Financing through T.D. Bank in order to take advantage of a buy one get one free deal on a pair of phones XXXX was selling directly. There was a special incentive to use " their '' financing option which I took.

Upon making the purchase I entered my banking account information ( which they can verify the date at which I did ). At that time I paid an initial down payment and setup Auto-draft payments.. or so I thought. 

A few months later when the free interest option was / is going to expire ( XX/XX/XXXX ) I logged into the T.D. Banking portal to check the balance in order to pay the phone off. I discovered there to be almost 300 dollars in additional " late payment fees ''. 

I called and spoke to several representatives about paying the phone off minus the incurred fees since I had not received any communication via email as I signed up for the paperless option. They said they send letters in the mail none of which we have received.

We did not receive anywhere near a responsible amount of communication letting us know something was wrong with our account from T.D. Bank. They had added tons of fees as well as already reported to a collection agency which hurts my credit.

When speaking with agents at T.D. Bank they are completely dismissive and act as if a communication error could have never occurred on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a collection are fraudulent account this is a identity theft
Product: Credit card or prepaid card

When I received my Bank of America credit card statement I noticed a {$1.00} " Minimum Interest Charge '' of {$1.00}. 

I am under a 0 % promotional rate through XX/XX/XXXX. 
My minimum monthly payment is {$68.00}. 
I over the last few months I have been paying {$250.00} every other week. 

I have NEVER been late on this account, I pay well in advance of the due date and I pay 5 times the minimum monthly charge, so why am I being hit with the {$1.00} a month charge? It looks like this started about 3 months ago. 

I spoke with a representative on XX/XX/XXXX at XXXXXXXX XXXX and she told me that because my payments were hitting i advance of the cycle date I will get charged. 

I spoke to a supervisor, XXXX, who explained that it looked like I was getting charge the {$1.00} as a result of prior {$1.00} charges, and something to do wt the cycle date. 

XXXX was able to remove the {$1.00} fee for me and she hopes that this will eliminate future fees. 

I asked for the disclosure that says I must pay between certain dates or get changed and they cold not produce that for me. 

My credit score is over 800. 

My concern is that there are probably a XXXX others just like me and they are getting charged this unjust fee. Bank Of America should be able to have sophisticated systems in place to account for this type of situation.
Product: Money transfer, virtual currency, or money service

I received two cards in the mail. One was from cash app and one from XXXX I didnt ask or inquire about these. They were opened up in my name and I didnt authorize those. I called both companies about receiving these cards and they couldnt and wouldnt tell me anything about how or why these were sent to me. They said they needed more information to be able to cancel the accounts. Customer service for both companies is very unhelpful and not willing to help me fix this issues. I have had someone steal my identity and Im having issues with getting things fixed. I want this situation taken care of and these companies held accountable for someone stealing my identity and opening things without my knowledge. Im currently working with XXXX to fix these issues. Both cash app and XXXX have not been willing to fix and resolve the issue.
Product: Debt collection

I need some help, I entered into a settlement with Naviet on my loan, all payments were set up to be debited from my account and they just stopped. Several attempts to call and see what was going on as we had a written agreement first we were told they could not take any more payments due to some hass law suit which has nothing to do with me. Called again and now they will not speak with me nor my POA person. I just want this resolved and to continue making the payments we agreed upon. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has stopped reporting my credit scores for years I have tried to fix the situation multiple times. I have called in asking to speak to supervisors and each one them have not helped
Product: Credit reporting, credit repair services, or other personal consumer reports

Following issues in linking a new bank account to target financial, I was provided an error message citing XXXX as denying my ability to use my bank routing number. It told me to request a consumer file and upon doing so would have the right to file a dispute. I contacted XXXX as instructed in the consumer file disclosure and their agent told me the decision was final, that they do not have a dispute process, and recommended that I pay Target in cash. I recorded the representative telling me that XXXX will not accept a dispute from me and am disturbed that they are not willing to allow consumers to fix errors such as this one. XXXX is refusing to allow me to dispute incorrect information about my account which is in use without issue at numerous other companies and for direct deposit without issue and has a balance of thousands of dollars. The recording attached showcases what I was told as a consumer after following the instructions in their disclosure letter to call a specific phone number, provide a tracking number, and request to dispute. Target has so far only been able to blame XXXX and is refusing my payments based on their decision. I have advised them if they are not willing to fix this I plan to close the account of 14 years as I find it offensive to be accused of fraud given my current status as a Target Contractor, account holder of 14 years, and having no prior history of late/missing/bounced payments of any kind in store or online.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX this company called UCB collections has reported a XXXX bill from XXXX on my credit report I talked with someone at my insurance company XXXX and XXXX they stated that bill was paid thru XXXX I have XXXX XXXX XXXX XXXX {$1500.00} this information was removed the other day now it's back on my credit report I'm really getting tired of this back and forth do it takes me to sue them I want this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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. Collection Account # : XXXX, Collection Account # : XXXX, and Collection 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 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. 16815-2 ( 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. I request these accounts be deleted off my consumer report.
Product: Debt collection

RMS wont stop contacting me and even through the mail! I do not owe waste management nothing!
Product: Credit reporting or other personal consumer reports

II paid off a loan with XXXX in XXXX. Theyve not updated my report. Ive called at least 4 times and waited over an hour each time. Last week I got through and was told there was a mistake on my account, but only a higher up could resolve it. I spoke to XXXX who acknowledged something is Very wrong. My account is not being reported to the credit bureaus. Ive disputed with them all, but XXXX will not release my information? They told me there was a suppression in 2022, but not any longer yet, they still refuse to release information or validate my dispute.
Product: Money transfer, virtual currency, or money service

Hi I can not get hold of Coinbase who have money of mine, I have emailed 11 times over the last 2 weeks with not one response. I have done everything they instructed but still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this account many times to Equifax over the past year, showing Equifax there is no creditor name or company reported at all. Equifax continues to state the account has been " verified as accurate ''. How can this account be " verified as accurate '' when there in no creditor even reporting? Also, this account is reporting it was opened in XXXX XXXX  when the account is supposedly FIVE YEARS OLD. Isn't that re-aging the account to make it appear newer? And isn't that considered a violation? 
How is this account considered accurate when the information reporting on my credit report is blatantly incorrect? Equifax 's incorrect reporting and failing to respond to my requests is affecting my credit score and preventing me from obtaining credit opportunities. Does an actual person work there or is everything automated? Additionally, could you please provide me information on steps to taking legal action for Eqiufax 's continued negligence in the reporting of incorrect information. It makes me wonder how many other people are being affected by Equifax 's negligence.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report fraudulent charges on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am a victim of identity theft and did not authorize nor make these charges. I am requesting these fraudulent accounts be removed from my report, and that I receive and accurate statement. Please correct this matter and remove these fraudulent charges as soon as possible.
Product: Checking or savings account

This is a new complaint that I put to Prosperity Bank citing a demand I received in the mail and verbal threats that I received that I would be charged a {$35.00} over draft fee for my account going under XXXX balance by slightly more than XXXX cents ... I was told by XXXX XXXX that due to this being an error on the part of Prosperity Bank since I had already opted out of over draft protection to avoid the problem of overdrawing and overdraft fees ... That the overage was an error on the part of Prosperity Bank not my error ... I ask that this also be looked into in terms of ways Prosperity Bank terrorized me treated me like trash by threatening me on numerous occasions with over draft fees putting great pressure on me for mistakes made by Prosperity Bank ... This put their own employee XXXX XXXX in a very terrible and awkward position ... To say that Prosperity Bank acts in an egregious manner towards their own bank account holders and their staff is an understatement ... Also the day I asked for help with faxing my pay stubs to social security I was told by staff including XXXX XXXX that Prosperity Bank does help with small business matters pertaining to funds that are in their bank ... Therefore my request to fax my pay stubs for funds from my job that at the time were deposited into Prosperity Bank falls under that category and is not personal business ... I see fit to set the record straight and to stand up for myself ... I ask that Prosperity Bank Cease and Desist blaming their own employees for their mistakes and to stop putting small individuals like myself in very awkward positions setting ones like me up to fail at every turn ... Instead of de escalating this situation ... Prosperity Bank sees fit to paint me in a bad light as if I am a terrorist and makes a very vile effort to lead me like a lamb to the slaughter in this war of words ... It is awful ... In light of Prosperity Bank 's history of aggression towards me via many threats to charge me with over draft fees including verbal abuse by citing their policies at times that were not necessary and in light of how this bank has chosen to try to pin their mistakes on XXXX and their own employees and in the process also trying to lead me a very small individual bank account holder to the XXXX ... That's enough Prosperity Bank needs to cut this out they are out of control ...
Product: Debt collection

In XX/XX/2022, I had a debt to pay to XXXX XXXX and it was sent to Berlin Wheeler Collection agency. I was told by XXXX XXXX to pay them ( XXXX ) in full and to dispute the credit reporting by Berlin Wheeler and the collection would be deleted from my credit report. I paid the debt to XXXX XXXX in full in XX/XX/2022 and disputed the reporting ( from XX/XX/2022 ) by Berlin Wheeler twice but the report was not deleted. Calling Berlin Wheeler did not resolve the issue.
Product: Checking or savings account

Wells Fargo is the worst financial institution. I only have a child support transfer with wells due to it being extremely difficult to change transfers with the government. 
The state of IA Governor closed state office last Wednesday, which created a mess with transfers, delayed transfers for a weeks. My account went negative as I was reasonably expecting that transfer. Wells Fargo hit me with 3 over draft fees, which is completely taking my child support payment once it finally came in my account. I explained this to the institution and they will not help customers. They are putting me in a hole and causing financial harm.