23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For the last year and a half, this company has been calling me asking for a woman who I do not know. Ive told them every time they call that that person is not at this number and to stop calling me. They continue to contact me. Now they call me and do not tell me who theyre looking for but attempt to extort private information from me. ( My name, address, etc. ) Ive told them multiple times that I do not owe any debt and if its the same person they are calling for, they have the wrong number. They continue to harass me after Ive told them that is not me and when Ive asked them to stop calling me. XXXX considering filing a police report because they keep harassing me with phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with all three credit bureau 's and XXXX regarding a collections account showing on my credit report. That account has been paid in full and closed. I have a letter from XXXX stating as such - but my disputes continue to be declined with the following reason : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I most recently refiled disputes on XX/XX/22 and it was processed the same day with no resolve.
Product: Credit reporting or other personal consumer reports

My information has been improperly used. Now my credit report has this item that is not 100 % accurate. To make matters worst, my credit card limits got reduce because this inaccurate item is hurting my credit
Product: Credit card or prepaid card

I closed this credit card account and they continued to charge me a maintenance fee, which lead to a late fee, and a missed payment on my credit report. I knew nothing about it until I get an alert on my credit report that I hav a missed payment. So now my credit dropped XXXX points and my 100 % on time payments have been compromised.
Product: Checking or savings account

In XX/XX/2022 I was doing a monthly balancing of my checking accounts when I noticed a strange withdrawal from XXXX of the accounts. The amount was for a little over {$300.00} and when I looked at the available information on the bank 's website, I knew immediately that this was not a withdrawal I had authorized. So, I quickly called the bank to let them know that I had been a victim of fraud. Over the course of the phone call with the fraud department I learned that because of this withdrawal the bank would be freezing my account and I would have no access to any of the funds in the account ( over $ XXXX at the time ) unless I visited a branch. I panicked because all the funds in that account were there to pay for my family 's bills including my mortgage and not having access to the funds would me we wouldn't be able to pay for anything. I explained to the kind representative that I live in XXXX  and that the bank 's closest branch was a XXXX XXXX XXXX from my home. At XXXX XXXX of this phone call, I had been living in Georgia for almost 9 years and had the bank account over 15 years. I'm not sure what the representative was able to do, but they gave me a XXXX second window to quickly transfer funds from the account to my savings account. Unfortunately, I had funds that were in the process of being withdrawn and deposited that were returned or deposited into the frozen account after I ended the call with the representative. Over the course of the last 15 months, I have spoken with the bank multiple times asking if there was anything I could do to gain access to the money that is now stuck in there ( over $ XXXX ) short of having to take time off work and pay to travel to a branch. I offered to send them notarized proof of my identity. Each time I was told nothing else was possible. Then, about XXXX months after the incident, a representative told me that after 1 year had passed, the account funds in the account would be sent to the state ( XXXX  ) as unclaimed funds and I could use the state 's retrieval process for unclaimed funds to request my money. I waited and once the 1 year mark had passed and the account remained open I called again. This time, I was told that the information I had been given was incorrect and the account would remain open until I visited a branch to close it. Again, I told them I do not live close to a branch and that I haven't for years. Finally, after speaking to multiple people, I was told that I could, in fact, send in a notarized letter requesting my account be closed. I have done this. It has been months and the account remains open and no one can give me information on whether the notarized letter has been received or if they will honor my request. This entire incident makes me wish I had never made that call about the {$300.00} fradulent charge and had just taken the loss. It has been a horrific customer experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus and creditor of these 2 accounts they are fraudulent and affecting me please remove these negative accounts as hey are fraudulent.
Product: Checking or savings account

On XX/XX/ I was a victim of fraud using my Navy Federal checking account. There was a member to member payment placed in my account in the amount of {$4500.00} from a member that I dont know and never had any sent or received money from. The exact same day and debit from my checking account was done in the amount of {$4000.00} to XXXX XXXX. I didnt make any transactions at all and have been a victim of fraud but Navy Federal is not investigating this issue. I submitted a complaint and it was dismissed with no information. They didnt explain how they came to the conclusion just denied it. I also submitted a complaint to XXXX XXXX  serval times but there is no one I can speak with to successfully resolve this issue. Im frustrated because this has turned my life upside down. I need this to be properly investigated. The letters I received from Navy Federal as well as XXXX XXXX does not show proof that I made these transactions and its sad that they wouldnt provide the proof since theyre adamant on denying my claims. Im angry that I have several products with Navy Federal and this is how their treating their members.
Product: Credit card or prepaid card

I opened an Express Credit Card on XX/XX/2021 with COMENITY BANK and made a purchase. I received the purchase on the XXXX of XX/XX/2021. On XX/XX/XXXX I went online to register my account so when the first payment was due my account would be set up. I discover that there was a payment due on XX/XX/2021 but I had never received a statement to let me know this. I paid the card in full and messaged them that I did not receive a statement and please do not charge me a late fee and interest. I get a message back that no fees have been charged yet when the card closes out they charge me a late fee and interest. I message them again and ask them to REMOVE the LATE FEE and INTEREST. They remove the late fee and {$.00} of the {$7.00} in interest. I have been fighting this for months through messages, phone calls and sending dispute letters, Now that {$7.00} in interest from the first fee charges has turned into {$130.00} in FEES and INTEREST ONLY. I have paid for all my purchases in full and have never missed a legitimate payment. They just refuse to stop this FRAUD. Pure fraud by charging fees on top of fees that were never owed in the first place. I am at my wits end because they are going to continuing adding late fees and interest until {$7.00} turns into hundreds of dollars.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau XXXX 
While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but they have failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX and on XX/XX/XXXX requesting that TransUnion & XXXX provide me with the signed document proving the debts where my debts but they have failed to provide this information. They send me letters saying they verified the debt but have yet to provide me with the signed contract to verify the debt and I am requesting that they remove the negative and erroneous accounts on my reports due to not having sufficient evidence in this case of fraud.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I strongly suspect their validity. I urge you to conduct a thorough inquiry and promptly remove them from my credit record.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I found multiple billing errors. The late payments recorded do not align with my consistent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts : XXXX XXXX  act # XXXX, XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account t without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding a credit report dispute I initiated, which has not been properly investigated or resolved in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Below are the details of my dispute : Date of Dispute Submission : XX/XX/year> Disputed Information : Account Verification Tracking Number of USPS Certified Mail : XXXX Credit Reporting Agency Involved : Equifax On XX/XX/year>, I sent my dispute to Equifax via USPS certified mail, and they acknowledged receipt of the dispute. However, despite the fact that over 30 days have passed since Equifax received the dispute, they have failed to properly investigate the matter and resolve it in a timely manner. Equifax has also received necessary identity verification through my state issued ID but refuse to acknowledge it.

Additionally, after submitting the dispute online, the results from Equifax indicate that the disputed information has been marked as " verified '' but without any clear or detailed explanation of how the verification was conducted or the procedures followed. Under 15 U.S.C. 1681i, Equifax is required to provide a description of the method of verification and the procedure used during the investigation. To date, I have not received any such information, which is a violation of my rights under the law. As the 30-day period has passed and I have not received any valid verification or resolution, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that Equifax complies with the legal requirements to provide the necessary verification details or delete the disputed information as mandated by the FCRA.

I respectfully ask that the CFPB ensure that Equifax provides a full explanation of the method of verification process and a description of the procedure they followed, as required by 15 U.S.C. 1681i. Should Equifax be unable to provide this verification, I request that the disputed information be deleted from my credit report. 

Thank you for your attention to this matter. Please let me know if you require any additional documentation or details.
Product: Debt collection

I never had a contractual relationship with Midland Credit Management. I believe the original creditor, XXXX, sold my account without providing proper notification. This constitutes a clear violation of FCRA XXXX regarding the reporting of inaccurate information on my credit report.
Product: Credit card or prepaid card

I purchased a XXXX prepaid card 7 days ago and Ive been trying to pay 2 car notes. The prepaid card keeps declining the the transaction to two different car companies. So I called today to convert the temp card to permanent card and Im told this takes 7-10 days plus the week Ive already been trying to pay my bills. Now Im told the card that I had deactivated and replaced was not deactivated and that takes 3-5 days. So 7 day plus 7-10 days plus 3-5 days just to pay two car notes and cant is messing with my credit. And its nothing I can do but wait as they mess up my credit with this no working cards
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am writing to have the following accounts and addresses removed from my report. The items I need removed are listed in the report below. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my Financial Responsibilities. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had an issue with my mail and apparently my XXXX XXXX account that I had for years went overdrawn by XXXX and I only found out recently. I also found out that they had reported me to some type of Check Monitoring. I paid the {$62.00} on the account ending in XXXX on XX/XX/year>, yet the representative at XXXX XXXX, failed to remove the account from the Early Warning Services list. This is Ruining my life. I have my XXXX spouse that needs his XXXX, and I tried to open a trust account and was rejected because apparently this company, Early Warning Services, has me listed as defaulted on the checking account. I told the representative that this was an error and he told me to wait 15 days. I can not wait 15 days. I have to open a trust account for my spouse ASAP or he will lose his benefits. I am in dire need of having this error corrected ASAP!!!! Please, this is urgent. I sent them a screenshot of the payment. I unfortunately have to file a complaint against them and XXXX XXXX, due to the representative 's error on the XXXX XXXX side. I have reached out to the executive offices to see if out of kindness they can override this incorrect information that is being reported against me blocking me from completing a transaction to give my spouse the dignity and care that he needs, he is XXXX  and has no one else. Unless this is corrected ASAP by Early Warning Services, and any other company the nasty collection rep failed to fix, my XXXX spouse will lose his much needed long term care XXXX benefits with XXXX 

He is XXXX  and he really needs the assistance to live life with dignity. 

Please help me with this. 

This Early Warning Services Company is ruining my life for something that I already paid and I can not even log in to view it. Supposedly they state I have to wait 15 days for a report for something that is an emergency. This is a violation of my rights under the FCRA. They are reporting false and inaccurate information all due to a representative that failed to do their due diligence. 

I just need this fix so that XXXX XXXX will allow me to open the XXXX 's XXXX for XXXX so that my ex-husband can retain his benefits. Please I need this done yesterday. They will discontinue his benefits soon if not resolved quickly and I can not care for him during the hours I work. He can not be left alone. HELP!!
Product: Money transfer, virtual currency, or money service

I sent my mom money on the XX/XX/XXXX and she still doesnt have it
Product: Debt collection

On XX/XX/20 I received notification that an collection account was added to my report that I gave no recollection of, I immediately reached out to the creditor with no avail. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$18000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ND XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$18000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address po box XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.