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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

" XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX  XXXX Balance : {$770.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX XXXX : {$470.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XXXX XXXX ) I just got a so-called " response '' from " EquiFax '' for my previous complaint XXXX : XXXX. On XX/XX/XXXX, I had PREVIOUSLY " mailed back '' a " certified '' letter to " Equifax '' with a ( XXXX ) Photocopy of my valid XXXX Drivers License ( # : XXXX ), and ( XXXX ) with my recent Pay Stub ( with my SSN : XXXX ) on it, and ( XXXX ) with my latest XXXX XXXX XXXX monthly ) utility bill ( with my : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) on it, and a ( XXXX ) Photocopy of my U.S. Social Security card ( with my Date Of Birth of : XX/XX/XXXX also on it!!!! 
" XXXX '' mailed me my " FREE '' credit report with my FICA score of " XXXX '' to my home address of : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX on XX/XX/XXXX. And " XXXX '' also mailed me my " FREE '' credit report with my FICA score of " XXXX '' to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX also on XX/XX/XXXX. ONLY " Equifax '' continues to violate my State of California and my Federal Credit Reporting " Due Process '' Rights for failing to mail me my " FREE '' credit report!
Product: Debt collection

Repetitively told the person at XXXX IC System that XXXX XXXX does not have this number, yet they keep calling
Product: Checking or savings account

When using mobile deposit option, my deposits are held for 7-10 days. During that 7-10 days an automatic payment comes due. This payment is a payment to the bank for a car loan. They return ( bounce ) the payment, placing my accounts in the negative and holding any funds that were in the account for 24 hours. This is a payment of course to themselves that they bounce even though they have a deposit they know is there, the deposit is an SSI check. Because this payment gets returned my account gets flagged, so that every single deposit gets held for 10 days causing me to have to pay three more bounce check fees for bills set up through automatic bill pay for mortgage, phone, and electric. I have a very fixed income I do not have the ability to fluctuate and pay all of the fees that are charged me by the bank holding my deposits for 10 days. 
The bank is using this " returned payment '', ( their auto pay ) payment, to them that they bounce even though they have my funds in their Bank, in order to hold any of my funds at any time, for up to 10 days. 
This has created a domino effect and an extreme hardship as their behavior causes my home living situation to become unstable. When I have contacted them to resolve this I was lied to and told that it could in fact be released sooner that I had to wait till the next day. That deposits could not be released on the same day as deposited. I called the following day they said that it was not on business day and I had to wait until Monday. I said okay and they stated it would be released on Monday. On Monday they said that it could not be released because I had had a payment returned ( bounced ). Since the return was caused by their hold it feels a little bit like fraud that they are able to hold my funds cause the bounced check and then use it to hold my funds the next time. This feels like thievery. When I tried to resolve this with my banking institution I was put in que repeatedly for hours on end. I was hung up on. I was belittled. I was not treated with the respect of a member of USAA Federal Bank. This has been going on for months this repeating cycle of them holding my deposits and putting their own payments, automatic payments to their Bank, through, causing a bounce and using it as a reason to not release my funds for up to 10 days.
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 Account # XXXX account name : Dept of educationXXXX XXXX, has violated my rights. Account # XXXX account name : XXXX XXXX XXXX XXXX has violated my rights and is not applicable to me and inaccurate. 
Account # XXXX account name : XXXX XXXX, has violated my rights and its not applicable to me and inaccurate. 
15 U.S.C 1681 section 602 A states that 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 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: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to temporarily unfreeze my credit with Experian and cancel credit monitoring with them. I tried to log in online and was locked out of my account. I tried calling over 15 times at the number provided by the " you're locked out of your account screen '' and to other numbers listed on their website. I was sent to the same prerecorded feedback loop that always ended with the same two options -- offering to direct me to their website or reading instructions on how to send in a request by mail. I need a human to unlock my account, unfreeze my credit, and cancel credit monitoring. I am applying for a mortgage so need the credit unfreeze in a timely manner. It is completely unacceptable not to have an option to speak to a human being. 

I also XXXX  at experian 's help XXXX account and sent them a direct message on XXXX. I received a canned reply to my direct message but I provided the information requested ( account number, phone number, and zip code ) and have heard nothing further. 

This all occurred on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i closed my cred.card it was in unresolved dispute status. XXXX reported it as a charge off but never notified credit reporting co 's it's in dispute. therefore, it's a big negative on my credit report. i have iniated dispute with transunion and they do not add a personal statement as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account number XXXX is wrongfully appearing on XXXX, transunion and XXXX  credit bureaus.on XX/XX/XXXX i paid XXXX dollars cash for a {$170.00} charged off amount in XXXX.the date of first delinquency was in XX/XX/2015. 
XXXX XXXX  in violation of CALIFORNIAS ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT CHARGED ME AN XXXX DOLLAR FEE TO PAY THEM THE XXXX DOLLARS CHARGED OFF ON ALL THREE CREDIT REPORTS. 
ORIGINALLY THEY TRIED TO TELL ME I OWED {$360.00} TO PAY THE {$170.00} DOLLAR CHARGE OFF OF XXXX.THE PAYMENT HISTORIES HAVE ALWAYS BEEN INACCURATE ACCORDING TO THE FCRA AS WELL AS THE CHARGE OFF DATE THAT THE FCRA ALSO PRESCIBES THE CORRECT METHOD AND DATES. IN ANY CASE " PAY ME '' FEES ARE ILLEGAL IN CALIFORNIA IN ANY AMOUNT OF MONEY. " PAY-ME '' means fees charged to handle payment of the original debt, to accept payment of the original charged off debt. 
THIS ACCOUNT WITH PROOF OF THE ABOVE ATTACHED HERE SHOULD BE IMMEDIATELY DELETED FROM THE BUREAU 'S CREDIT FILES.
Product: Credit reporting

Experian is reporting the same account on my report multiple times. It was charged off from the original debtor and sold to a collection agency. There are XXXX agencies reporting the same information.
Product: Checking or savings account

My XXXX account was hacked and about {$300.00} worth of groceries and merchandise was approved for a delivery to an address in Colorado. I live in XXXX, SC and these charges should not have been approved by XXXX nor Wellsfargo! Wellsfargo has not issued a temporary credit and XXXX  says they cant do anything since some of the items were delivered. Name and address were both different from what is registered on my accounts. Again, these charges should have never went through! Wellsfargo has now also charged my acct. for being overdrawn as if my acct. was not on hold for fraud!!!
Product: Credit reporting

After presenting name,. SSN, and Date of Birth the Experian system tells me they can not confirm my identity, and I have been unable to contact a human to talk with to try to find out why they can not confirm my identity.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX Equifax XXXX XXXX, 2024 XXXXXXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX, 2024 XXXX XXXX XXXX Equifax XXXX XXXX, 2024 XXXX XXXX  Equifax XXXX XXXX, 2024 XXXX XXXX Equifax XXXX XXXX, 2024 XXXX XXXX XXXX XXXX Equifax XXXX XXXX, 2024 XXXX XXXX XXXX DEALER Equifax XXXX XXXX, 2024 XXXX XXXX XXXX Equifax XX/XX/year> XXXX XXXX XXXX Equifax
Product: Debt collection

We lost our home ( of almost 14 years ) to foreclosure XX/XX/XXXX called XXXX ( to whom we had been a loyal customers since XX/XX/XXXX!!!! ) to cancel our cable since we no longer had a HOME ( we were actually homeless XXXX, until my in-laws took us in )!!!!! We returned all there equipment & all of a sudden 6 months later they send us a almost {$700.00} bill to which half of that was the equipment we had already sent back over a year ago!!!!! First we lose our home to XXXX mortgage ( yes XXXX the big banks bailed out by our government promising not to foreclose on homeowners, what caring people they are NOT ) then XXXX is trying to ruin our credit for money we do not owe them!!!! Our XXXX dog XXXX is buried on our farm along with our XXXX cat XXXX!!! Was it not enough the home my husband & I planned on growing old in, the home the bank wanted us to pay {$160000.00}. But instead of working with us they foreclosed & turned around & sold it XXXX what a slap in the face!!!! 
The hardest thing was my children lost there childhood home they grew up in, as far as I am concerned these big banks are criminals right along with XXXX!!!! 
So here we are starting all over again. I will be turning XXXX years old my next birthday!!!! I will be a senior citizen starting all over how do we recover from that? 
What do they think this does to a persons mental state of mind!!!! Treating people like we are nothing more than a piece of garbage & not just taking our homes but taking our pride & self worth from us!!!! Not XXXX these banks was held accountable for what they have done to us, as well as many other home owners!!! 
But no they just let these banks get away with it!!!!!
Product: Debt collection

Enhanced Recovery Collections is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear, This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation. 

The accounts I am disputing are as follows : XXXXXXXX XXXX  The reasons for this dispute are as follows : Violation of FCRA Sections 1681e ( b ) and 1681i ( a ) : Under the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ), you are legally obligated to ensure that all information in my credit report is accurate, complete, and verifiable. Recent lawsuits against both Experian and XXXX have proven that your company has failed to meet these obligations. I am holding you responsible for failing to follow reasonable procedures to assure maximum possible accuracy in the reporting of my information. 

Failure to Verify and Investigate Properly : The accounts listed above are either inaccurate or unverifiable. Section 1681i of the FCRA requires you to investigate any disputed item within 30 days of receipt of this letter. If you can not verify these accounts or if they do not meet the legal standards for reporting, they must be removed immediately from my credit report. 

Recent Legal Action and Non-Compliance : In light of the recent lawsuits where Experian and XXXX were found to be in violation of the FCRA by failing to ensure the accuracy of credit reports, I am demanding immediate action. Your failure to properly verify and investigate these accounts is unacceptable, and I will not tolerate the continued presence of inaccurate information on my credit file. 

As required by law, you have 30 days to complete your investigation and provide me with the results. If these accounts can not be verified or if the investigation is not conducted properly, you must immediately delete these items from my credit report and notify me of such action. 

If this matter is not resolved within the statutory time frame, I will not hesitate to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing all available legal remedies. 

I expect a prompt and thorough investigation and resolution. If you require any additional information, I am prepared to provide it, but I expect nothing less than full compliance with the law. 

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

In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

I have been receiving phone calls from this company repeatedly after my account from them was successfully disputed on XXXX. The phone calls continued for at least a couple of years. This company also submitted XXXX ( XXXX ) soft inquiries on my credit account with XXXX over a single year and they did not have any reason to do so since they no longer owned an account on my credit report.
Product: Checking or savings account

Recently I received notice that my appeal of an unauthorized {$44.00} ACH from XXXX XX/XX/XXXX was denied by the Bank of America. XXXX sent Bank of America erroneous screenshots of cancelled agreements of an authorization to debit my checking account. That agreement was cancelled prior to XXXX issuing a {$44.00} ACH system generated charge to my Bank of America checking account in the month of XX/XX/XXXX. This was theft by deception in my opinion by XXXX. I have spoken to XXXX several times over the phone to remove my checking account information and cancel authorizations to my checking account due to holding my bank account information Hostage to prevent card holders from removing their banking information from the online portal.
Product: Consumer Loan

I bought a vehicle in XXXX, Georgia in XXXX. Wells Fargo financed the vehicle, and they used a recording to my school where I worked to call me, as well as my cell phone. The recording would call me each morning and sometimes during my lunch time at work. Co-workers who answered the phone would tell me Wells Fargo called or my co-worker would leave notes in my mailbox to let me know Wells Fargo called me. Whenever, I was late on a payment, they called and threatened me, saying, that they would come to my job to get my vehicle. This would cause me undue emotional stress. I paid Wells Fargo XXXX payments plus {$5.00}, XXXX over the amount I owed. XXXX they called during my lunch break and I talked with them I became sick in which my XXXX XXXX shot up so high, I had to be taken to the hospital. I stayed in the hospital for several days, doctors tried to get my XXXX. My doctor asked me if I was worrying about something. I was too embarrassed to say what had just happened. I have never received my title and have not received any correspondence from the last letter I sent them dated XXXX XXXX, XXXX. I have all of my documentation of letters, and payments that I have sent them over the years. I also hired an attorney in XXXX XXXX, and he has not been able to get my Title. I have had undue stress concerning this situation for over the past several years. Please help!
Product: Debt collection

I submitted a previous complaint to XXXX about this issue, however the complaint was ignored as their response appeared to be in response to a separate complaint. Therefore I am resubmitting the complaint with TWO SPECIFIC QUESTIONS that I except XXXX to respond to : 1. I was a perfect customer of yours for 3 years of a lease, never missing a payment. When the lease was finalized in XX/XX/XXXX, I turned in the vehicle and bought a different make from the dealership. Then much later, in XX/XX/XXXX, XXXX charged me a fee and said they would have waived it if I had gotten a XXXX. Nine months earlier, nobody mentioned this fee or offered to waive it if I got another XXXX. Also, ignoring the fact that I have a receipt showing I pre-paid the turn-in fee, my question is this : why does XXXX think its appropriate to take 9 months to invoice a customer, then while that customer attempts to call-in and confirm the accuracy of the charge, XXXX instantly begins reporting XXXX payments to the credit agencies? Why can XXXX take an unreasonable amount of time to submit an invoice, and not afford the customer a single day to understand where this charge is coming from ( especially when XXXX was unresponsive during the pandemic and it was difficult to receive responses )? 

2. The process to have XXXX honor the terms of the agreement was extremely unpleasant. After months of attempting to get through to XXXX, I realized it was not worth my time and effort, so I decided to simply pay the invoice ( for the second time ). I spoke to a representative who confirmed any negative remarks would be removed from my credit report if the fee was paid. Therefore, I paid the fee and provided proof of payment to XXXX. Unfortunately they continue to ignore this payment. So the question is : why do you ignore this payment and refuse to update the remarks to the credit reporting agencies? While it was unethical to immediately report late payments to your seriously delinquent issuance of the fee, it is absolutely immoral and illegal to lie about not receiving payment. 

Since the actual complaint questions have been ignored in the past, I just want to reiterate so there's no confusion about what questions XXXX should be responding to : 1. Why can you take 9 months and issue a delinquent invoice, but the customer has no time to confirm the accuracy?

2. Why are you refusing to acknowledge that payment was made, even though I have submitted proof of payment made on XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

Within the past few weeks, I have received notifications of a debt attempting to be collected from a company called XXXXXXXX XXXX XXXX XXXX I have no idea who this company is. I have not communicated with this company. I have been a victim of the XXXX breach and I did place a fraud block on my credit report with all three major credit reporting agencies however, this company has still placed a collection account on my profiles and I am not associated with this company. Please remove this debt off of my credit report as I am not linked to this outstanding balance. I have experienced a lot of grief due to the XXXX breach with attempts to utilize my credit and I would like for this to be removed indefinitely. I have attempted to dispute this account however it comes back as verified, but it IS NOT MINE!
Product: Credit reporting or other personal consumer reports

For the following companies. 
XXXX, Equifax, and XXXX I am writing to inquire about the recent request for my credit report, which was conducted by your company. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report only for certain permissible purposes, one of which includes when a consumer has authorized it.

I would like to request that you provide a written explanation of the specific permissible purpose under this statute for which my credit report was accessed. Please include any relevant details about the circumstances surrounding this request. 

If this request was made without my prior consent or without a valid permissible purpose, I kindly request that you take appropriate action to rectify the situation in accordance with the FCRA. 

Please respond within 30 days of receipt of this letter. If you have any questions or require additional information, please do not hesitate to contact me at the above address or phone number. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/2021 I received an email Alert from Experian, stating a new payday loan has been found associated with my identity. No further info was provided. Experian online site suggested locking my Experian report and freezing XXXX and XXXX reports. STILL NO INFO GIVEN REGARDING LENDER NAME, LOAN AMOUNT OR LOAN DATE. Yet site suggested contacting Lender if loan isnt mine. When I called Experian, I was transferred to at least 3 different agents. All told me I had wrong department, transferred me back and forth until I hung up, and refused to tell me identity of Lender. Between agent accents and technical noise I could barely understand what was being said. I do know I was told to contact Lender but nobody would tell me who the lender is, stating that is sensitive information. I didnt take out a Payday Loan, therefore how can I contact an unidentified lender? My credit scores are very high. I do not want to lock my reports without relevant information. I insist Experian provides me with the loan information - Lender name, loan amount and loan date.