23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank Account opened with Comerica Bank - Comerica - received checks and also a received a copy of a altered or fictitious check that was deposited in the account - didnt open account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for financing for a home, unfortunately because of the false delinquent reporting ( XXXX  currently ) on my XXXX XXXX XXXX XXXX XXXXXXXX ) my Credit scores were too low. 

I reported the inaccurate reporting to the company XXXX XXXX for them to fix the issue of misreporting on the beginning of XXXX when I saw the first misreporting. They said it would take up to a month, for the reporting to be corrected with the credit reporting agenciesit has now nearly been two months and still the misreporting shows that Im late to my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The moment I received the duplicate of my report that I purchased with Experian.com XX/XX/2023, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. 

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 have been disputing the validity of the XXXX XXXX account that is being reporting on my Experian credit report for reporting inaccurate information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and each time the results have been that the account is verified and updated. On XX/XX/XXXX, I requested that the XXXX XXXX account be deleted from my Experian credit report because I received a letter from XXXX XXXX dated XX/XX/XXXX, which states that they are unable to confirm my personal information or locate my account number, and I included it along with a copy of my ID and SSN. On XX/XX/XXXX, I received an email from Experian stating my request was denied and the disputed account was verified and updated. How can this account be verified as accurate and updated when the company is saying that they can't confirm my personal information or locate my account information? I would like this account to be deleted ASAP.
Product: Debt collection

This company has reported negative information to the credit bureaus of a debt with them. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. The company responded asking if I was aware of the debt I once again responded that I have no affiliation with them and got no response. The name of the company is Security Credit Services. They have reported this negative information to all 3 credit bureaus and are on each of them twice with two separate amounts. The first one was reported XX/XX/2020 in the amount of {$810.00}. The second one was reported XX/XX/2020 in the amount of {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For three months Experian has denied me access to my credit report online subsequent a previous dispute. The report number is -- -- -- ( on email files attached-note various dates XXXX. Screenshots ( note XXXX data ) supporting the denials are also attached. 

According to info supplied by a credit card company, there have been unauthorized hard inquiries placed on my credit report XXXX only Experian, no other credit reporting agencies XXXX which negatively impact my credit score by XXXX points ; although my credit is still in the very good to excellent category with all three credit reporting agencies. 

However, Experian continues to deny me online access while simultaneously trying to sell me products and/or services of XXXX ( screenshot attached XXXX ; and I am unable to obtain the identity of the inquiries.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquires, listed as - XXXX XXXXXXXX XXXX XXXX XXXX - credit plus - XXXX XXXX ( target ) - XXXX ( XXXX XXXX ) - xactus llc
Product: Money transfer, virtual currency, or money service

Navient shared written communication on XX/XX/XXXXXXXX  that they removed {$30000.00} from my XXXX account since year XXXX and applied it to another person 's account without my consent or the other person 's knowledge. 

To correct the problem, Navient issued a partial check in the amount of $ XXXX that I deposited on XX/XX/XXXXXXXX  and someone closed the CFPB case # XXXX XXXX XXXX on the same day. I have reached out to Navient regarding remittance of the $ XXXX balance, to no avail. 

For your convenience, I have attached their letter and transaction logs where they admitted removing the monies. 

I would like the fund returned ASAP.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

The day before yesterday I contacted JPMorgan Chase Customer Service through a XXXX interpreter by phone, I wrote a lot of emails to require JPMorgan to transfer my {$600.00} XXXX dollars and {$450.00} XXXX dollars of compensation from New York Attorney General XXXX XXXX my Legal Representative instructed XXXX Bank agent to transfer to intermediary Chase Bank at there it has kept my funds on hold and demanded {$50.00}, then {$100.00} and {$50.00} despite my legal representative has worked on this hard but it didnt work I request JPMorgan Chase Customer Service to refund and transfer to my XXXX XXXX XXXX in XXXX XXXX XXXX immediately, as JPMorgan Chase has stated that if a Bank charges a fee its illegal and fraudulent So please pay me compensation for keeping my funds on hold for several day
Product: Student loan

Nelnet financing was selected to discharge {$30000.00} loans for veterans of XXXX percent XXXX. I filed the application in early XX/XX/2021 to have these loans discharged. I checked back 90 days and nothing has happened, I checked back over 120 days and still nothing has happened. I filed a complaint in earlly XXXX with Nelnet about this and they didnt even investigate that complaint. When I called them today again, XXXX XX/XX/2021, the supervisor said she was going to file another complaint about the first complaint that wasnt investigated. This is ridiculous as people are waiting for their loans to be discharged.
Product: Debt collection

The company is calling me daily since XX/XX/XXXX. I was able to get my phone company to get all the numbers, dates and times that they have contacted me. Sometimes they are even calling more then once a day. I have asked a representative to quit calling me and to have the communication by mail only and they have ignored my request. It's to the point I may have to just change my number to get them to quit calling me. I've also requested for the debt information as I was told that it was paid off in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card

Barclaycard does not credit XXXX online payments when they are received. For a year prior to XX/XX/2016, all my payments were credited when received. Since XX/XX/2016, Barclays has not credited the payments until days after receipt, which generates interest and late charges on top of interest and late charges. ( Please note that I always pay-off the entire balance every month. ) I have written twice, phoned 3 times, had three ( 3 ) separate email conversations with customer service and sent the required copies of Peoples payment details evidencing on time payments. Some fees were credited then reinstated. My overpayment on XX/XX/2016 is not considered by them to be an overpayment. Their latest claim is that they have never received the Peoples evidence for XX/XX/2016, yet they acknowledge they received my second XX/XX/2016 letter containing that evidence. I have over XXXX hard copy pages of documentation to prove I do n't owe them any late fees or interest but their customer service will not give me the name of a supervisor or look at the account in totality back to XX/XX/XXXX. I have a letter from Barclays stating that the matter was resolved and all fees rebated, but that is not the reality per their customer service. The credit card Customer service is impossible to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Source : XXXX Company : XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Business Type : XXXX Balance : {$18000.00} Source : Equifax Company : XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Balance : {$18000.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 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. 

Also they aren't even in compliance with metro
Product: Debt collection

I received calls asking for {$44.00} to XXXX and I told the person I didn't know what they were talking about and they had me do a complaint over the phone with them saying that I didn't know anything about the money. The were very admit that I did owe this {$44.00} because something that XXXX had done. I asked to speak with the manager and I thought that everthing had been taken care off ; then I received this letter from a Jefferson Capital. I called the number to ask what this was about and say that I didn't borrow {$44.00} the man starting asking odd questions so I asked to speak with a manager. He would not transfer to a manager said if I didn't tell him what he wanted then He would not help me. I tried for a second time and then told him that I would falllow up with an attorney. as I looked over the documents I noticed on the back of the frount page there was writing and it communicated information about The Federal Trade Commission and I tried to produce a complaint when was transfered to CDPB. 

Can you please help in this matter. thier contact informaion is Jefferson Capital Physical Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( This is what it says ) Debt Description : XXXX ACCOUNT Account # XXXX Current Creditor : Jefferson Capital Systems LLC JCS Reference # : XXXX Amount of the Debt : {$44.00} Unless you contact us in 30 days we will assume the debt id valid. 
The date of this letter was dated XX/XX/XXXX and I just recived it not toolong ago and this is XX/XX/XXXX. This this just is so odd they say that if I contact them within 30 days after the letter then they will give me a copy of the judgment against me. very odd. 

the whole thing is that I really have no Idea of what they are refering to in the first place and I believe they are doing this to a lot of people to get money. I beive this is fraud a scam to scare people so they will say that it such a small amount let me just pay it. No Way I will not be that somebody who will be taken advantage and it is my American right to stand up help the others who may be the victim of a crime such as this. 

Thank you for your assistance in this matter. 


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

State of Alaska Department of Revenue Child Support Services Division XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumers reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX someone opened a credit card in my name without my consent and also been applying for credit in my name without my consent heres a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seed I would like this info removed off my credit report I am I victim of identity theft and I have reported this problem with all 3 credit bureaus and also my phone and wallet was stolen thats how someone obtained my information and used it without my permission!
Product: Debt collection

Oracle financial threatened they 'd come to my work. That they knew where I lived. Knew who lived in my home. Knew my social security number, drivers license and birthdate. Said I borrowed money and did not pay it back. That they were a XXXX dollar company and I owed them money. I needed to pay or they were going to my county and file papers against me. They had my middle name wrong. They had previous address wrong and wrong drivers license number. Yet they demanded I pay them. Called 5 times leaving threatening messages. Phone number XXXX. Investigator XXXX XXXX. XXXX. Legal official will deliver document. XXXX XXXX senior liaison at Oracle. XXXX ext XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as DELETE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I paid {$350.00} for 21 years. This was the entirety of the loan plus 10 % interest. Yet the loan servicer says I still owe {$29000.00} plus interest.
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXXXXXX XXXX XXXX : # 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. 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: Debt collection

I have repeatedly disputed this information. They have not once provided me with any information verifying that the debt belongs to me. They have not furnished any signed documents or contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH EQUIFAX AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, EQUIFAX AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the actions of LMMINC, a collection agency, which I believe are in violation of several consumer protection laws and the Health Insurance Portability and Accountability Act ( HIPAA ). The specific laws allegedly violated are : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits unfair, deceptive, or abusive acts or practices by debt collectors. LMMINC has violated this provision through unfair, deceptive, or abusive practice, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section pertains to the communication tactics of debt collectors.

12 CFR 1006.34 ( d ) : This regulation addresses the validation of debts by debt collectors. I believe LMMINC has not adhered to the stipulations set forth in this section 15 USC 1681-S2 ( 7 ) ( A ) : This provision of the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information to consumer reporting agencies.

HIPAA : Additionally, LMMINC may have violated HIPAA regulations by disclosed protected health information ( PHI ) without authorization I demand the immediate deletion of the account associated with LMMINC, from the records of both LMMINC and any credit reporting agencies. This demand is based on the identified violations and in accordance with my rights under the aforementioned laws. I appreciate the attention of the Consumer Financial Protection Bureau to this matter and your commitment to upholding consumer rights. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting Act XXXX Account Name : XXXX XXXX Account # XXXX, and Account Name : Online Information Services 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
Product: Bank account or service

In XXXX 2016 I opened a checkings account at Wells Fargo Bank in XXXX, MD XXXX based on an offer for {$100.00} cash bonus for set up direct deposit within 2 months. I set up the direct deposit from my employer well within this 2 months time period but because processing time the first direct deposit showed up 2 months 25 days after opening the account. Wells Fargo clerk XXXX XXXX XXXX XXXX and Manager XXXX XXXX XXXX XXXX refused to pay the {$100.00} bonus even after I repeatedly pointed out that the language used in the bonus offer document states " set up direct deposit within 2 months of opening account '' ; it did not state " first direct deposit should appear within 2 months of opening account. ''
Product: Debt collection

Jefferson capital keeps calling I ask them to send me something bearing my signature and to cease all calls until I receive something with my signature