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

I originally filed a complaint against all three credit bureaus 2 months ago on this website, in regard to all three credit bureaus not reporting same information on all three for the same student loan accounts. I specifically requested the loans be removed due to this. All three credit bureaus responded by saying that everything has been updated and given loans would not be removed even though which was not request, from my understanding if creditor is not reporting the same on all three credit bureaus then said account has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation process has not been completed. I am currently still waiting for a response.
Product: Credit card

I had filed a previous complaint about the same issue and citibank had stated that they would provide me the representment documents but today XX/XX/24 I received a letter from citibank stating that they are denying my request for representment documents which I should be entitled to because I know 100 % that I did not make those charges so I believe thats the least that they can do for me when they have denied my fraud claim.
Product: Checking or savings account

Navy Federal Credit Union charged me overdraft fees that werent warranted. I would make purchases with my accounts showing enough money to cover the transaction, the Navy Federal still charged them overdraft fees if the account had a negative balance once the purchase posted to the account, sometimes days later.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint with the Consumer Financial Protection Bureau following notification that I was the victim of a data breach which has led to the appearance of unauthorized and suspicious accounts on my credit report. 

Upon reviewing my credit report, I have identified several accounts that I believe have been opened fraudulently as a direct result of this breach. 

Please see attached documents. 

As a consequence of these unauthorized accounts, my credit score has been adversely affected, and my personal financial standing is at risk. This situation constitutes a serious infringement of my rights and privacy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby demand the immediate removal of these items from my credit report. Furthermore, I am seeking statutory damages in the amount of {$1000.00} for each instance of illegal reporting by the credit bureaus as allowed under the FCRA. It is my understanding that entities who fail to maintain proper procedures to ensure the accuracy of my credit information are liable for such damages. 

I trust that the CFPB will take my complaint seriously and assist in rectifying this situation promptly. I expect to be notified of the actions taken on my behalf and to receive confirmation that the fraudulent accounts have been removed from my credit files. 

Please find enclosed copies of my credit report highlighting the suspicious accounts, along with any other relevant documentation.
Product: Credit reporting or other personal consumer reports

On the morning of XX/XX/year>, I received a XXXX time passcode from XXXXXXXX XXXX XXXX I did not request this code. When I checked my bank account, I noticed a credit inquiry from XXXXXXXX XXXX XXXX I did not request or approve this inquiry. This fraudulent inquiry now appears on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my credit report, I was disappointed to learn that the following incorrect and fraudulent things were still there, despite the fact that I had informed you that they were the result of identity theft. To help me fix my credit record, I'd like you to erase the entries indicated in my letter as soon as possible.
Product: Debt collection

My personal information was used to open an account at the XXXX XXXX located XXXX XXXX XXXX in XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX D.O.B. XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, Georgia XXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. 

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status. 
2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history. 
3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency. 
I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Product: Credit reporting or other personal consumer reports

I am reaching out to raise concerns about multiple issues I have identified with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, billing errors, and accounts that do not belong to me.
Product: Debt collection

This is not my debt as shown by the attached UCC 11 documentation
Product: Checking or savings account

Closed the account approximately XX/XX/XXXX. 
Funds were to be mailed by check to my home address. Never received the funds. 

Filled a complaint with company on XX/XX/XXXX and called ~ XXXX times between XX/XX/XXXX and XX/XX/XXXX. Was told they needed to move my complaint up the chain because they couldnt see the cashiers check number to cancel said cashiers check and reissue another check. 

Never heard back on the cashiers check number nor on the confirmation the check was recut. 

Approximately {$1400.00} has been missing for XXXX months and NO ONE will answer me on when to expect it. 

I have since moved from the address ( I moved on XX/XX/XXXX so WELL after the checks should have arrived ) and still no word. I need to check to be mailed to my new home address or XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year>2023 ) Since then the account has repeatedly been updated as charged off every month.XXXX  has a different update date compared to Experian. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account
Product: Credit reporting or other personal consumer reports

I am writing a to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also requested that my personal information ( Address and name ) be updated and have provided proof of such with my Driver 's License and bank statement with the credit reporting agencies. XXXX has refused to do so. On XX/XX/, I called XXXX and spoke to an agent named XXXX who refused to provide me with an Employee ID for security reasons. XXXX claimed that I would have to call all of the creditors on my credit report that are reporting my name incorrectly to have it corrected, even creditors that I no longer have an account with in other words closed. This further proves that this credit reporting agency is intentionally reporting inaccurate information about myself even though I have provided proof multiple times when disputing. 

I will be uploading documents as proof of my dispute letters
Product: Debt collection

XX/XX/XXXX at XXXX was the first phone call from a Diversified consultants calling from phone number XXXX, calling my phone number looking for XXXX XXXX . I XXXX XXXX answered the phone and told the lady he doesnt live here please dont call here. Then XX/XX/XXXX at XXXX they called again from XXXX looking for XXXX XXXX this time I hung up. Then XX/XX/XXXX at  XXXX a lady called again from the diversified consultants this time from XXXX i told her XXXX XXXX Does not live here she said she would remove the phone number from the list. Next day XX/XX/XXXX XXXX am a lady called again this time from XXXX from diversified consultants. I said again he doesnt live here and hung up. Then at XXXX same day XX/XX/XXXX they called again this time I ignored the phone call. Just because I have the same last name as this XXXX XXXX does not mean that he lives here! I do not want them harrassing me for someone elses debt. I then called the number back twice at XXXX XX/XX/XXXX and used the automated system to remove my phone number from the list.
Product: Bank account or service

Woke up to find a joint acct I share with my daughter was overdrawn by {$4000.00}. Called Bank of America who informed me that collection agency had gotten a judge and they over drafted the acct to satisfy it. They also over drew my daughters saving which was at - {$15.00}. When asked to provide proof of judgement they just gave out a phone number for a law firm in XXXX ( XXXX and XXXX ) even though my daughter and I reside in XXXX. Neither the bank nor the lawyer can provide proof of debt, judgement, or any amounts paid on this acct. 
This was a car loan that defaulted but was being paid by wage garnishment. 
My daughter is XXXX XXXX XXXX and I am XXXX XXXX. We need an accurate accounting and proof of debt and judgement. We have never received any communication prior to the Bank of America taking funds that did no exist from XXXX acts and refusing to provide information.
Product: Debt collection

AD ASTRA Recovery Services refuses to delete an account that is not mine, I have disputed the account on numerous occasions asking for a deletion. AD ASTRA sent me a letter showing a signature that is not mine. I also filed a compliant before and AD ASTRA advised me to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if AD ASTRA fail to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

A well-known debt buyer by the name of XXXX XXXX  XXXX XXXX XXXX has failed to verify the furnished accounts on my credit report as 100 % accurate. 
I have asked for validation of this debt from the original creditor with my signature and submitted a copy of my credit report. I was not provided any supporting documents that proved that the information on my credit report was 100 % accurate. They are wrongfully keeping this inaccurate, unverified, and negative information on my credit report and causing harm to my livelihood as a consumer. This company and the bureaus are taking advantage and violating my rights as a consumer in accordance with the Fair Credit Reporting Act. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the original creditor information is missing, the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under : 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 Also, the Credit Bureaus have been taking more than 30 days to complete my investigation. 

Here are my supporting documents : Data Breach reported on my XXXX XXXX FTC reference number that I submitted back in XXXX of 2020 [ XXXX ] My credit report Furnisher 's Response
Product: Bank account or service

Applied for business loan. As of today it 's a month since it was started. Bank staff works not full day in branch and it delays the process. Finally when all verification cleared ( after Month ) and only loan should be signed bank agent will go on 2 weeks vacation and nobody can finalize the process. My husband is out of business for that reason for more then a month.
Product: Bank account or service

It has been over a month since I filed a complaint against Bank of America with the Consumer Financial Protection Bureau ( CFPB ). Despite promises to the contrary, in the intervening weeks absolutely nothing has happened with my concerns, and sad to say, it does not look like anything will happen with my concerns without Bank of America being compelled to act. 

Within a day or two after I filed my XXXX XXXX CFPB complaint regarding Bank of America I received a telephone call from XXXX XXXX XXXX of Bank of America. I was told that she was calling on behalf of Bank of America 's president as a result of my complaint to the CFPB. 

We spoke on XXXX XXXX and at that time XXXX XXXX promised to finally correct my deceased Father 's mailing address, and to get a nearby branch manager to give me a call, so I would not be forced to repeat the frustrations of the past when I attempted to close my Father 's accounts at a local Bank of America branch. In addition, on XXXX XXXX I FAXed over to Bank of America a letter addressing concerns about unauthorized Bank of America deductions from XXXX of my Father 's account. XXXX XXXX had previously promised she would review these concerns. 

I have called XXXX XXXX a number of times since I sent the FAX over on XXXX XXXX, and I have yet to hear from her. Neither, all these weeks later, have I received the promised call from the Bank of America branch manager. 

Recently I received a letter from XXXX XXXX dated XXXX XXXX, 2015, which explains why she has failed to return my calls. In her XXXX XXXX letter XXXX XXXX incredibly absolves Bank of America from any part in my concerns not being resolved. Further, the letter disingenuously suggests I give her a call to " discuss this further. '' I have yet to see a sign that Bank of America is interested in more than simply stonewalling me, and frustrating my lawful efforts to close my Father 's accounts. I am hoping CFPB can compel Bank of America to take my concerns seriously, and resolve matters promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey it has come to my attention XXXX reported transactions on my consumer report XX/XX/2022, XX/XX/2022, and XX/XX/2022 between XXXX  XXXX ( XXXX ) and XXXX XXXX, so according to the fcra 15usc 1681a 2 a1 like in paragraph 3, the consumer report does not include reports containing information solely as to transactions, is excluded from the consumer report DELETE THIS TRANSACTION HISTORY FROM THE CONSUMER REPORT, or delete the late payment or items marked as late from my consumer report
Product: Credit card or prepaid card

I noticed a charge from XXXX XXXX XXXX dated XX/XX/2021 - I contacted Capital One regarding this. The agent stopped my card and sent a new one to me ( which I now have as of today, just need to activate ). 

The agent did not perform a Regulation E Error Resolution, rather just stopped the card. I know of this due to the fact I had not heard back from Capital One. I contact Capital One again yesterday XXXX XX/XX/XXXX XXXX to see if there was an update on the investigation or if they have issued any credit. The first agent that I reported the activity to had not informed me to provide a written statement in order to receive a provisional credit. 

The agent on the second call XXXX XX/XX/XXXX XXXX informed me she would begin the investigation process and issues a provisional credit. 

I was under the impression this process was started and would be resolved. I would have resolved this myself, however XXXX XXXX XXXX was sending me directly to the XXXX Texas location which I had no visited in months. I do not recognize the charge and have not authorized anything lately for XXXX on my Capital One Card.
Product: Credit reporting or other personal consumer reports

This is in regard following account ; Alleged Creditor : XXXX XXXX  Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following XXXX unauthorized inquiries appeared on my credit report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 The following 1 unauthorized application was submitted to the vendor listed below although nothing was listed on my credit report -XXXXXXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous inquiries.. not mine
Product: Credit card or prepaid card

On XX/XX/XXXX I made an in store purchase at the Best Buy store in XXXX, CT in the amount of {$540.00}. I was assisted by a Best Buy associate for this in store purchase. After ringing up all of my purchases I was advised by this associate that if I opened a new Best Buy credit card I would earn a {$50.00} statement credit as a promotion for becoming a new Best Buy credit card customer. I asked if I could pay the credit card balance immediately in store and was advised no, that I would have to wait for my first statement but that the first statement would reflect the promotional credit. I did not have any reason to believe this was not true, so I proceeded with the transaction. Recently, I received my first bill and I noticed right away that the promised statement credit was never applied to my balance. Today, Wednesday XX/XX/XXXX I spent XXXX hour and XXXX minutes on the phone trying to get resolution to this issue. I can not get through to anyone via phone at the XXXX, CT location. When I called XXXX ( the phone number on the back of my new Best Buy credit card ) I was transferred a total of 5 times with the final transfer resulting in a XXXX minute wait on hold until I finally gave up and hung up. Best Buy customer service told me I need to speak to Best Buy credit card service about the issue. I was transferred to credit card services who told me I need to speak with Best Buy rewards about the issue. Best Buy rewards tried to transfer me back to credit card services at which time I explained to them I had already spoken to credit card services. I was then transferred to an international customer care representative who put me on hold repeatedly, kept apologizing for her poor internet connection, and ultimately had no idea what I was talking about. She kept asking for my order number. I explained to her that this was not an issue with an online order it was an issue with a credit card statement at which time she placed me on hold for the final time and never came back. So I hung up. I am furious, I feel as though I was the victim of deceptive marketing and sales tactics by Best Buy. Many representatives told me that the in store associate must have been confused, and gave me bad information. I understand that this is a possibility, but I do not believe that it is my fault. I believe I am due the credit I was promised and that Best Buy has a long way to go in the customer service arena as my experience with them today was terrible. I am happy to provide any further information needed by CFPB.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Debt collection

In the process of bankruptcy and have told this debt collector to stop contacting me but they call every single day. I told them to contact my lawyer and they STILL call me every single day.
Product: Credit reporting or other personal consumer reports

I tried updating my legal name with Equifax following the instructions listed here https : //www.equifax.com/personal/education/credit/report/articles/-/learn/change-update-name-credit-report/ Submitting my dispute online provided the results of them deleting all of my credit history under my old name. This resulted in the loss of several years of Financial History.

I submitted a copy of my SSN, a bank statement, a copy of the legal name court document with both my former name and my new name, and a copy of my Driver 's License.