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

To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : GM FINANCIAL {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

First - Please remove the fraud alert on my credit report. I have asked this more than 3 times and it has not yet been done. My number is XXXX. 

These accounts below have the wrong balance. 

Open credit card accounts XXXX XXXX Reported XX/XX/2019 XXXX % Balance : {$290.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2019 XXXX  % Balance : {$280.00} / {$300.00} XXXX XXXX XXXX Reported XX/XX/2019 XXXX  % Balance : {$170.00} / {$200.00} XXXX XXXX Reported XX/XX/2019 XXXX  % Balance : {$510.00} / {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

MY COMPLAINT IS ACTUALLY 2 COMPLAINTS ... ... ..1ST IS BOUT ALL 3 MAJOR CREDIT BUREAUS ... BECAUSE THERE IS CREDIT FREEZE ON MY REPORTS IT IS MAKING A PROBLEM WITH OPENING ANY NEW BANK ACCOUNT FOR ME ... ..BANKS TELL ME THERE IS FREEZE ON MY SOCIAL SECURITY NUMBER BY XXXX XXXX THAT IS DUE TO FREEZE ON MY CREDIT REPORTS ... .SOUNDS QUEER BUT IS TRUE!!! OTHER COMPLAINT IS BOUT EXPERIAN I COMPLAIN IN PAST BOUT IT BUT THEY ARE STILL REPORTING 1 OLD ACCOUNT AS BEING CLOSED IN XXXX 2017 BUT XXXX IS REPORTING IT AS STILL OPEN AND I CAN ASSURE YOU THAT ACCOUNT IS STILL OPEN AND I PAYING ON IT ... ... .ACCOUNT IS XXXX XXXX XXXX ... ..I CA N'T UPLOAD ANYTHING SO WAIT FOR IT BY POST I WILL MAIL IT TOMORROW OK
Product: Debt collection

It has come to my attention my personal information was exposed on a national data breach ; after reviewing my credit report I notice some accounts that I'm not familiar with I have asked the CRA for validation of debt, However the information has not been provided, due to my information being exposed I have submitted an FTC complaint reporting the information I'm not familiar with. Please find the attached copy of my FTC complaint report, a copy of the NPD Data Breach Report, showing my information being exposed in a national data breach and validation debt letter. Also This Debt Buyer company has not validated any debt its calming that I owe Theres 5 Accounts with XXXX XXXX which one of the Accounts I disputed the Account # XXXX Last Year 2024 It was removed from my XXXX Account and also XXXX account but was left on my Equifax account, This account is deleted from my XXXX account as well!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following account have violated my rights 15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 2 it states a consumer reporting agency can not furnish a account without written instructions XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX  Acct # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I Acct # XXXX, Acct # XXXX, Acct # XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX # XXXX XXXX, SC XXXX Employers XXXXXXXX XXXX
Product: Credit card or prepaid card

XX/XX/20 I called Comenity Capital Bank at XXXX and spoke to an agent inquiring about why my payments were being marked late, and the agent wasnt sure and told me I needed to take it up with their credit department and was transferred to XXXX XXXX 

This was not helpful to me, so at XXXX I returned the call and spoke with another agent, and asked not to be transferred to the credit bureaus because it was not helpful. This agent was trying to look into my account to find out why my account was being recorded as late. He pulled up my payment history and was just as confused because all of the payments had been made on the due date. He said was trying to change it in the system to reflect not late, but was unable to do so and that I would need to talk to someone in the credit department to have them fix it. He also said he had a connection in the credit department and transferred me to a call cue at XXXX XXXX. This was not helpful. 

I called back at XXXX and spoke with another agent inquiring about how I can get something in writing saying the accounts were not paid late as two agents earlier in the day had already said. He told me, they were marked late because the payment was not the full amount due. 

Caveat to this- I was on a 3 month plan to get current because while I was on maternity leave ( XXXX  ) I was unable to make my payments because it was a huge pay cut. Once their grace period ended they added all of my payments together and that was total due. Something around XXXX. Theyre collection department set up the payment arrangements, amounts, and even the auto drafts from my account. So I know that what this guy was saying was false information. 

He kept putting me on hold and couldnt find any other reason that my payments were being marked late other than they were less than the $ XXXX due. I asked him if there was something he could give me in writing showing that my payments were not late for those months. He told me I had to request it in writing from the credit department and then they would take 30-45 days to respond and dispute any information. I told him, before I can dispute it with the credit bureaus I needed a letter saying my payments were in fact, not late. He just kept telling me the above information. He said requesting this in writing was the only way to move forward.
Product: Debt collection

This company has been calling my girlfriend & sister for weeks asking for my information and whereabouts, as if Im a convicted criminal, to provide them with a statement. When I called them back today, XX/XX/XXXX, I spoke to a male who told me this was regarding a debt collection for an account I was not aware of at all. When I told him that I needed a validation of debt, he transferred me to a very unprofessional woman who was apparently the supervisor. When she answered the call, she was rude and very condescending. She laughed or chuckled whenever I mentioned not knowing anything about the account in reference. I told her that she doesnt even have my phone number, just people close to me so I wanted a validation of debt sent to me and she continued to laugh, stating that she can provide me with the email on the account and believes this information will be eye opening to me. The email ended up being my girlfriends first and last name included in it and the supervisor followed up with a laugh saying Yeah, this was a girl you were probably messing with at the time, right? Yeah, she must have just been spending all this money without you even knowing, huh?. I believe this is incredibly inappropriate and has to violate the FDCPA guidelines. For her to make that assumption, especially when my girlfriend and I have been together for over 10 years and always use her email on everything. I do not believe this is my debt at all and I have asked for validation multiple times.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Account # XXXX, XXXXXXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the rights 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.
Product: Credit reporting or other personal consumer reports

I requested information be removed from my XXXX XXXX credit report and notice several discrepancies on the report. They agent XXXX XXXX XXXX stated that I needed to contact you all and once it was complete they could remove it. I have contacted XXXX XXXX, XXXX, and Experian 3 times as of this date XX/XX/2023 and have found something new and the inquires I did not authorize still on there. Also a job listing that I have never had. 
I have contacted the three Credit Bureaus XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX phone and XXXX XXXX again today XX/XX/2023 via phone. 

XXXX XXXX XXXX, Inquiries Not Authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX credit transaction on XX/XX/2023 ( {$720.00} ) I have called this company and get nothing but a voicemail service. 
XXXXXXXX XXXX XXXX Lender XXXX XXXX XXXX XXXX XXXX Secured Loan This does NOT Belong TO Me There are several other inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Account was paid off within the 90days and the Card on the account was removed and when attempted to pay it over the phone the agent stated that she could not take my payment because a payment had already been taken from my credit card. I informed her that I wanted to make my payment over the phone being that my 90 days would be up on the following Monday. They had a glitch in their system and the money did not come off my card and then they attempted to make me pay the full amount. But now on my credit report it shows the they wrote off {$300.00}. it also appears to be on my report twice. ( Experian )
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out forbearance paperwork with American Financial ResourcesXX/XX/XXXX due to COVID-19. XX/XX/XXXX at XXXX in a recorded conversation I was told that my account was in Forbearance and that they would switch my Forbearance to COVI-19 Cares Act program. XX/XX/XXXX XXXX, I called and spoke with a manager that confirmed I was on the Cares Act plan even though I received a letter stating they were going to report it to my credit. XX/XX/XXXX XXXX, I spoke with a manager after it was reported to my credit and they confirmed it was a mistake and removed it from my credit. XX/XX/XXXX XXXX, I spoke with another manager and  stated that they need to remove it form my wife 's credit as well because we are both on the loan and he agreed. XX/XX/XXXX XXXX, I spoke with a manager to find out why it was put back on my credit and why it was reporting late. The manager realized they made a mistake and never properly switched me over to the COVID-19 plan and I was still on a regular forbearance plan. Manager stated that he would correct the error. The error since has not been corrected as I've had multiple conversations with American Financial Resources supervisors and managers. It is still reporting negative on both our credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and somewhere near XX/XX/2021, someone opened a credit card with Chase under my name. I tried calling the company around the end of XXXX of this year, but the automated robot wouldnt get me through to customer support. I cant make an online account because I dont know the cards info, so I had no way to reach them.
Product: Debt collection

I am writing because of an issue I am having with a debt buyer/collection agency currently reporting information on my consumer credit files. 
I initiated a dispute in late XX/XX/2019, less than 15 days ago with the CRA 's and the debt buyer/collection agency wrote me a letter stating that while they are investigating my dispute, I had to write them a letter stating that the account was in dispute. I saw this as an attempt to stall and/or delay the investigation requested by myself as well as potentially seeking to circumvent FCRA requirements in reporting by making duplicate demands to draw my time and or resources. 

The original dispute calls for an investigation and documentation, as the debt is unknown to me and therefore challenged. The company responded that while they are investigating they require my request of investigation otherwise they will not investigate. This is nothing more than asking for what they already received to waste my time. 

I replied to them by latter and would like to request the CFPB to mediate this matter thereby maintaining transparency and holding company to account for their practices.
Product: Checking or savings account

Over draft fee was charged. XXXX for an item paid of XXXX.against my account. I signed an option NOT to have items paid. They paid it and charged me. I have a bank product called virtual wallet that controls items posted and gives you XX/XX/year> hours on the clock to make a deposit. I want my XXXX dollars back. I made a deposit WITHIN the time frame of the date it was to cut off. The bank algorithm won't let them refund my money. Becuse they did a courtesy refund prior.
Product: Debt collection

it was opened 2008 XXXX credit card Balance ... XXXX acc..XXXX from. Portfolio Recovery ... XXXX This was not me. someone stoled my information. I was told couple of years ago this was all charged off and was done, now here we go again, filed paperwork before for this to stop, about 2 years ago. And the won't leave me alone.. 

XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This account appeared on my credit report and I dont now how it got there or where it came from. I did not sign a contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove 90 day fraud alert placed on my report on XXXX WITHOUT my authorization. As of today XXXX, past the 90 day period, company STILL refuses to remove expired alert. This qualifies as defamation
Product: Credit card

For almost 10 years now I have been contacting and fighting with the credit bureaus as well as Discover Financial over an erroneous entry on my credit report. It is STILL listed on my account and never should have been in the first place. 
XXXX XXXX XXXX opened up an account with Discover Financial and without my knowledge or consent listed me as an authorized user on her account. I found this out several years ago and not only did I contact Discover, she did as well and I also submitted complaints to the XXXX credit bureaus. I again did this in 2011 when I discovered it on my credit history and to this day it has not been removed. 
To my knowledge it was never late, but it is an account affecting my credit and not one of these agencies has done anything to correct the error to this day.
Product: Bank account or service

WOULD NOT OPEN A ACCOUNT NEED TO KNOW REASON
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an auto loan with XXXX XXXX. I was financially strained by COVID 19 and utilized the forbearance option with Flagship. Although I was in forbearance, they still reported my XXXX payment as late. This caused my score to drop 48 points. I have spent the last 2 months trying to have someone reverse the derogatory remark from XX/XX/2020 but it has been to no avail. They have done nothing but give me the run-around. Today I tried once more, reminding them of the Cares Act and how it is illegal to report delinquency when the loan was in forbearance. However, they continued to give me the run around, repeating the same message, to go back to the credit bureaus and request that they remove it. I have spent countless hours on hold with this company, being passed from agent to agent with zero success. A friend suggested I reach out to the CFPB to handle it once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up this morning and had an alert from experian that XXXX had run my credit and placed an inquiry on my report today XX/XX/XXXX when in fact I never applied for a card. Please look into this and ask XXXX what the address was that was used. I did not ask XXXX to run my social. This is fraudulent.
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint to CAPITAL ONE regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that this fraudulent account persist on my credit report. I had hoped to rely on CAPITAL ONE to safeguard my information and to report accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning on this account. To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons this account should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that CAPITAL ONE will take the necessary steps to address and rectify these inaccuracies promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Equifax is violating my rights And his criminal obligated And you violating my rights under 15 USC 1681 And money and fragment of 15 USC 1640 and 1692 I am asking you to remove this negative information from my shoppers report I am asking you to remove these infringements they failed to comply with the government regulations, and they are governed by the FCRA And his XXXX is for your duty to make sure that they file a protocol. If not, I will be pursuing legal actions and reporting them to the FTC Better Business Bureau state attorney general. United State Senate Federal deposit of currency insurance
Product: Credit card or prepaid card

To whom it may concern, On XX/XX/23 I made an ACH payment to OLLO, a credit card company, to pay off my credit card, which totaled {$3700.00}. When I tried using my card to purchase food at a grocery store, the transaction was declined. When I called OLLO, they explained my account was on " Restricted Mode '' because decided they wanted to flag my account for having made a large payoff transaction. They said " it was an unusual pattern. '' The number I have called is XXXX, where I was transferred to a " Dispute Engagement '' department. Upon speaking with a representative, they verified my information but claimed when they tried to verify if the my bank account through XXXX bank, my bank would not supply proper verification to their standard. This was very alarming since I have made many payments for up to a year using that same bank account. 

One representative stated I can fax or mail a letter of authorization to OLLO, then another representative stated " only XXXX bank '' can fax or mail a letter of authorization on my behalf. This is a type of client/attorney requirement that is unusual. This was confirmed when I spoke to a banker from XXXX on XX/XX/23, he stated that XXXX bank does not send or fax any such letter, that the only thing they can do is print out a " Deposit Account Balance Summary '' that shows my bank account number, name, and a stamp from the local bank where the document was produced. 

Today, I called OLLO and they refused to accept the only paperwork that XXXX can legally produce per their request. The OLLO representative insisted on a letter with specific words that XXXX bank does not supply any of their customers for account verification purposes. 

I believe the credit card company, OLLO, is not happy that I paid my account and they do not let me access my online account. Their claim that the payments may be coming from an unauthorized account is bogus as evident of today 's autopayment charge they made to my account for the amount of {$120.00}. 

If they were concerned about fraud due to the size of the payment, why did they accept it then restrict the account? If they are concerned they account I have been using for the last 12 months is not mine, how come they processed an autopay today? If they were really concerned for fraud, why did they still process the large payoff amount? 

Please help. Thank you so much for your attention to this matter.
Product: Credit card or prepaid card

A couple of weeks ago, I attempted to log in to the US Bank mobile app to check my balance. I received an error message stating that my account was not available, and that there was a problem on the banks end. I tried a few more times over the next few days, even uninstalling, then reinstalling the app with no success. I tried calling the customer service number. I keyed in my entire card number, and when I entered my zip code was told that I had entered an incorrect zip code.