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

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 15 U.S. Code $ 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, 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 identity theft!! Please delete these items IMMEDIATELY!

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 report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of t 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 consumer I am demanding the deletion of this accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to opt out of all Trans Union, XXXX, XXXX  pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

Multiple attempts to resolve the fraudulent and inaccurate information on my consumer report have been unsuccessful, leaving me in an increasingly XXXX  situation. As a victim of identity theft, I never authorized these entries to be associated with my name, yet their continued presence has caused profound disruption to my life, generating significant XXXX and XXXX  while undermining my financial stability.
Product: Checking or savings account

I was victim of a fraud. I posted bad checks to my account and was able to withdraw money same day same time and the checks were bad. They returned the checks next day, but I already took the money and deposited it to a different XXXX XXXX account. I was the victim of fraud and Bank of America. Let me withdraw money without the check being cleared
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding my experience with Barclays Priceline Credit Card, specifically concerning their handling of overdue payment notifications and its impact on my credit report. 

On XX/XX/year>, I discovered that Barclays Priceline Credit Card failed to notify me of an overdue payment, which subsequently tarnished my credit reputation. Despite being a responsible consumer, I was blindsided by this derogatory mark on my credit report due to their failure to communicate effectively. 

Moreover, the usability of Barclays Priceline Credit Card 's website has been abysmal, making it extremely challenging to manage my account and payments. This unfriendly interface compounded my difficulties in staying current with payments, despite my efforts to do so. 

I request that Barclays Priceline Credit Card rectify this situation by contacting the credit bureaus to remove any negative notifications caused by their oversight and subpar customer service. It is unfair that my creditworthiness has been compromised due to their shortcomings in notification and website usability. 

Enclosed are copies of relevant documents, including my credit report showing the negative impact and any correspondence with Barclays Priceline Credit Card regarding this matter. 

I trust that the Consumer Financial Protection Bureau will investigate this issue thoroughly and ensure that appropriate measures are taken to resolve it. Please keep me informed of any actions taken in response to this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX
Product: Payday loan

I took a {$600.00} loan. Somehow I misinterpreted the repayment plan. I thought my finance charge would be {$210.00}. However, that is not the case. XXXX payments of {$200.00} have already been taken from my account.They are scheduled to take out {$200.00} every two weeks over the next year. I can not afford this, and was unaware. I 'm afraid that this is going to ruin my credit, as I can not afford to make these payment every two weeks, and I 've already payed back what I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported Equifax for not providing access to my report. I am still unable to access my report and recently discovered they are reporting information that should not be on my credit report concerning Public Record information. There are two filings being reported as judgments against me by my landlord from 2013. This is not true and I was never served and the claims were dismissed. I don't understand how this can legally be reported on my credit file and I was never even served by the court. I had no knowledge of these derogatory items from 2013, until recently when I attempted to rent and was denied multiple times. If you do not know how to properly report public record information, you should stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not responsible for this account, i have any contracts or agreements with my signature.
Product: Credit reporting or other personal consumer reports

The following accounts needs to be deleted from my credit report 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 These accounts are in direct violation of 15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) rehabilitation of private education loans these loans have completed the rehabilitation process .
Product: Mortgage

We had an interest only loan in XXXX and the loan principal was due in XXXX. We got further behind on our bills. We were told to stop making payments in XXXX to get a possible modification on our loan after filling out numerous applications and being denied. We were forced to file bankruptcy because we got so deep in debt during this time. Our bankruptcy required us to make our mortgage payments to Wells Fargo during the repayment process. We made payments every month in the amount of {$1900.00} as part of our XXXX XXXX for 5 years. During that time we were told to keep trying to the modification process. We did exactly that. Once they actually foreclosed on our home which was illegal at that time. It got reversed. At the end of our bankruptcy we had gotten strung along with the modification process. We were forced to short sell our house. During this process, we found out Wells Fargo closed our home loan in XXXX when we filed bankruptcy. We were actually paying {$1900.00} a month to Wells Fargo and no one could ever tell us where the money went. After the true XXXX we went through during this time, we lost it all in the end. We will probably never be able to own a home again.
Product: Credit card or prepaid card

USBANCORP Business cash Mastercard. XXXX  Making a payment is not possible using the USBANK website. The website displays credit limit less balance but balance is displayed as XXXX and due date is displayed as XX/XX/XXXX. Making a payment is not possible due to configuration of website and the information provided by website is inaccurate as the result.

Contact with usbank 24hr credit card phone center results in vague mentions of central billing with no specific answer on how to make a payment available. XXXX XXXX XXXX.

It's like being in comedy movie about USBANK credit card products. Really.

I was also told by usbank customer service that I must register the business card separately but the usbank website does not allow that stating that I am already registered.

I do believe that USBANK is breaking it's card member agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in response to the recent investigation regarding my credit report. I would like to express my disagreement with the findings and emphasize the importance of ensuring complete accuracy in credit reporting. It is my concern that the investigation did not thoroughly address the matter of contacting the creditors and agencies responsible for the information on my report. As a result, I am reaching out to the Credit Bureaus for further clarification on the following items in question, specifically regarding the accountBANK OF XXXX XXXX Balance : {$0.00} I need the Credit Bureaus to address the presence of charge-off account on my credit file that is still being reported despite having a XXXX balance. This account have been fully paid off, and I am formally requesting the Credit Bureaus ' investigation into this matter. The continued charge-off status is adversely affecting my credit score, and its removal would be greatly appreciated. I would like to draw attention to the fact that the company agreed to remove the account in question once it was paid off. I kindly request that the Credit Bureaus honor this agreement and take the necessary steps to remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score will drop inexplicably with no ( published ) reason for the drop. Additionally when my score drops ( seemingly ) because of an increased credit card balance, it does not raise proportionately when the balance is paid off. 

When I call the reporting agency they are unwilling and/or unable to tell me specifically what caused my credit score to drop. Generally they seem unwilling. 

Recently my scored dropped from XXXX in XXXX to XXXX in XXXX with absolutely no change to my credit report or my accounts ( other than I was issued {$15000.00} in credit from XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 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. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 2. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 3. Account name : XXXX XXXX  Account opened : XX/XX/XXXX XXXX owed : {$4500.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2100.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2300.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$4700.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$7000.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3600.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00}
Product: Checking or savings account

On Sunday XX/XX/XXXX I reached out to Albert to dispute multiple transactions from an overseas gambling website. These transactions were spread amongst multiple accounts and I found I was victim of SIM copying and someone had access to my XXXX XXXX. Albert denied the dispute, later the merchant attempted refunds to the old card that Albert denied. Albert again refused my dispute even though the merchant attempted to refund. Albert has been negligent in handling the matter, responding to me for help, and doing their job to accept the refunds for return of funds. The other two accounts compromised accepted the funds returned with no issues even though both accounts had new cards issued. This bank claims no liability on any issues and has 0 respect for their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent certified letters with tracking to this company about the unauthorized use of my credit report. They haven't responded and the problem still exist.
Product: Mortgage

Have file several complaints with XXXX and the company denies my rights as a Veteran and civil rights as an American citizen.On XXXX XXXX2020 the realtor XXXX XXXX came by and he draw up an offer on the property that is the focus of this complaint.The realtor is so competent that he and Moneyhouse failed to observe that the sales contract is not valid.I never signed the contract yet my signature appears as both the buyer and realtor.Explain that please.Moneyhouses representative states that the transaction took under 90 days.Involation of realtor codes on XXXX XXXX2020 via a text message he asking me for documentation for the mortgage transaction.Through out this process XXXX has done the leg work for the company.This process is never ending and Im not able to move in.I have to spend a lot of funds on the property.The VA ordered an appraisal but no home inspection was done.In bogus documents from XXXX there is a policy for {$190000.00}. When after the he had send me a policy for $ XXXXface amount.Both policies had the same coverage date.Now I have {$350000.00} in coverage.Never have dealt with such scoundrels.
Product: Credit card

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The USAA FSB failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report this negative account remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. USAA FSB XXXX.
Product: Debt collection

I have Jefferson capitol on my credit report servile times. I do not know this account and they have not sent verification or anything to prove that account and no signature from me on that account with them
Product: Checking or savings account

I cant link outside account to my bank account. My account, my decision, not yours!
Product: Credit reporting or other personal consumer reports

Account 's XXXX XXXX XXXX  and account 's XXXX XXXX XXXXXXXX responsibility is incorrect, which EXPERIAN fraudulently continues to report in BLATANT violation of 18 U.S. Code 8 Obligation or other security of the United States defined . The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ( XX/XX/year>, ch. 645, 62 Stat. 685. ) and 31 U.S.C 5118 ( A ) ( 2 ). THE ABOVE ACCOUNTS ARE AN OBLIGATION OF THE UNITED STATES.
Product: Debt collection

The company XXXX XXXX XXXX XXXX is reporting on my consumer report fraudulently. I have no knowledge of this collection account. XXXX XXXX XXXX XXXX also committed Identity Theft. On XX/XX/2023 XXXX XXXX XXXX XXXX pulled my credit report without my knowledge or authorization. This is a violation of the FDCPA and FCRA. See attached.
Product: Vehicle loan or lease

Completed a Right of Rescission dated XX/XX/2022 and received by Allly Financial on XX/XX/2022 in XXXX XXXX XXXX of my vehicle. My vehicle was taken in the middle of the night on XX/XX/2022 and I never received an authentication notice of illegal repossession.
Product: Debt collection

On XX/XX/2020 midland credit management has reported inaccurate information on my credit report that {$670.00} is owed to them. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent XX/XX/XXXX a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XX/XX/XXXX that is reporting accurately from XX/XX/2020 I filed a previous complaint against Experian, complaint number XXXX please update that case with the information provided by XX/XX/XXXX
Product: Checking or savings account

Hello. 
My complaint is against USAA Federal Savings Bank. Here is the timeline of what happened. 
XX/XX/XXXX. 
I deposited {$1300.00} by draw from work to USAA VIA on Line App. 
XX/XX/XXXX. 
My truck is broken into. Wallet is stolen with debit card and documents. Break in and fraudulent debit card activity was been reported to USAA. Debit transaction reversed. USAA i also my insurance company and they paid property claim. 
XX/XX/XXXX. 
I receive a call from XXXX, CA XXXX. Detective XXXX had arrested a man with my ID over the weekend. I gave them permission to press charges and shared XXXX PD report number with them. 
XX/XX/XXXX USAA Reverses my initial deposit and debits my account {$1300.00} because of fraudulent activity that had already been reported. I report all information to USSA and they ay they will resolve in 10 days. 
XX/XX/XXXX USAA reports that they find no fraud and I need to go after the criminal, even though they have police reports. I explain that I do not understand how my account deposit is not protected. They tate that electronic deposit are not FDIC insured and it not there responsibility to protect and help with personal fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Money transfer, virtual currency, or money service

Ever since XXXX XXXX, 2021, when I opened my support ticket, I've been unable to access the money in my Binance.Us wallet. 
Even after being " escalated '', customer support didnt even know what my issue was, and provides the same " we'll be in touch through email '' responses. 

Dozens of tweets and emails and there's been very little progress in the past 3 MONTHS without access to my funds. ( XXXX XXXX ) This is my last chance at getting help as I don't know who else to contact. If@Binance.US isn't pulling isn't results, they also go by BAM Trading Services Inc . 

Thank you.
Product: Credit card or prepaid card

I got a call from fraud scammers who already knew my identity and my social security number who threatened me to give up more information about myself which lead to me giving up my debit card and credit card information to these scammers.
Product: Checking or savings account

PNC has limited funds to XXXX debits per month on savings accounts and then charges a {$3.00} fee. No other bank I have has a limit on debits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Attempted to pre-qualify for financing for a house but was told that my credit was not good enough and they showed me an account that was on it that wasn't mine
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed I had a fraudulent account on my credit report. It is hurting my ability to obtain credit. I have no known contracts nor did I authorize anything with said company. I recently looked at a copy of my credit report and noticed I had a fraudulent account on my credit report.
Product: Credit card or prepaid card

I have a Barclay rewards card. Twice now they have lowered my available credit without notifying me. Both times they lowered the available credit to within a few hundred dollars of the amount owed causing a balance to credit limit ratio creating a negative effect on my credit. I have not used the card in over a year and have had payments taken out automatically to pay down the balance. They claim the can do this. Really? 
I am being punished for nothing.