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

On XX/XX/year> I bid paid XXXX {$340.00} for membership fee and bid on a vehicle on my Capital One business card. A security deposit of {$750.00} was held on separate business card for the purchase of the vehicle. This company has a 14day money back guarantee similar to their parent company XXXX. XXXX accepts credit card for purchases of the vehicles won and for their {$240.00} membership fee. 
After winning the auction for the vehicle on XX/XX/year> that's when I learned that I was unable to pay for the vehicle with my business credit card that XXXX held the {$750.00} security deposit. I took time off work to get financing and was able to get a company to purchase the vehicle on my behalf. This company is XXXX... paperwork is attached. However, XXXX refused to cooperate with the company for them to purchase the vehicle. I told them to either accept the offer from XXXX or charge my XXXX business card. I also informed the Manager by phone that I upgraded my membership to the {$340.00} with the intent of using my business card for the purchase. If they were not willing to accept my XXXX business card or Caramel for payment then the membership would not work for me. I requested by phone on XX/XX/year> that they cancel the {$340.00} membership and issued a refund since I was within the buyers remorse period. My {$750.00} deposit was release to me but the {$340.00} is still reporting inaccurately which is causing damages to my credit and impacting my pending home purchase.
Product: Credit reporting or other personal consumer reports

I have sent a lot of letters to Experian, XXXX, and XXXX on the inaccurate accounts on my credit profile i have ask them in my letters to delete those inaccurate accounts and they did not do it. So looking to the CFPB for your help.
Product: Debt collection

I am contesting, in part or wholly, a debt with XXXX XXXX XXXX XXXX XXXX  dba XXXX. The company has been locally notified as such both verbally and in writing yet they still contact myself and/or my family members daily. On XXXX XX/XX/2018, a Cease and Desist Letter, asserting my rights under the Fair Debt Collection Practices Act, 15 USC 1692c ; Section 805 ( c ) was delivered by US Mail, Certified Mail, Return Receipt was delivered and signed for. The XXXX staff have continued daily calls to me and/or my family. 

On a recent call, a XXXX staff member XXXX?, acknowledged she received the letter and related that the XXXX legal department instructed her to ignore the Cease and Desist Letter because it was not from another legal department or legal professional and was therefore, not valid. 

I simply request that any communication regarding the debt be in writing, on letterhead, and be signed by an authorized company representative. I provided a mailing address of : XXXX XXXX XXXX   XXXX, XXXX, Ohio XXXX and an Email address of : XXXX, both suitable for this communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

made repeated attempts to unfreeze credit with Equifax. Kept getting told system was down and to call another number. none of the numbers worked. nobody would help and kept telling me system was down and to call back in 30 minutes. still got the same answer. this happened XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address an issue regarding my credit report, specifically related to late payments reported on my XXXX XXXX credit card account. 
I sincerely acknowledge that my account reflects a total of 60 days late payment. which is not indicative of my usual payment habits. Unfortunately, during the time these late payments occurred, I was facing unforeseen personal and financial challenges that significantly impacted my ability to meet my payment obligations on time. While I take full responsibility for the lapse, I want to assure you that these circumstances were exceptional and do not reflect my commitment to fulfilling my financial responsibilities.
Product: Checking or savings account

PNC has overdrafted my account a total of 24 times inXX/XX/XXXXand XX/XX/XXXX. While I learned economic responsibility the hard way at times, starting in XX/XX/XXXX, it went from genuine overdrafting to re-arranging my transactions so that a posted deposit that would reliably hit my account at the exact same time it historically does would somehow be 'late '. Bank records show that the only times in the past two years my paycheck has posted late was when not posting it on time would result in an overdraft. I had trouble cancelling transactions with an automated app that caused me to overdraft, any refund I would issue in a hurry would also post later than it normally does with the vendor if I would overdraft first, or any other depsoits I could count on would always be later. A few times, a scheduled deposit would come much sooner than it historically tended to, such as a tip from a service that normally posted next day would suddenly post as soon as the transaction happened, very abnormally, and it triggered an overdraft. Any time since XX/XX/XXXX that I saw that I was going to over draft, I would transfer money as pre-emptively as possible from an external savings account in as timely a manner federal law allows. These always post by the third business day, but these deposits would always be much later in the day than average if my account would overdraft before. 

I overdrafted once on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. While the XX/XX/XXXX ones were suspect in the transaction timing per my personal records, they then escalated, 6 times on XX/XX/XXXX, 3 times on XX/XX/XXXX, 4 times on XX/XX/XXXX, 5 times on XX/XX/XXXX, and twice on XX/XX/XXXX when I was abroad and could not call to cancel a transaction with limited service in the country I was in at the time. In XX/XX/XXXX, I called PNC to protest with records at the time to prove that the transactions were re arranged to make me overdraft multiple times, and for a period, I received a partial refund ( still never received the complete 7 times {$36.00}, only for the three ). I have lost, according to bank statements, {$1100.00} to overdrafts in this time, most of them I tried methods for that, if my account was not about to overdraft or re-arranged, would not have resulted in a fee. My statements do not have times on them. This is {$1100.00} that I could have used for medical use, my vacation earlier this year ( and I am submitting a separate complaint regarding an emergency I had that PNC completely dropped the ball on ), or to keep myself afloat inXX/XX/XXXXwhen, during the summer, I had hit economic difficulty and was trying to stop payments or defer payments as much as possible. I even attempted to change the overdraft policy to protect myself from further charges, which did not happen and resulted in the next wave of that month. I was not able to pay my student loans on time in XX/XX/XXXX entirely due to the economic hardship these incidents occurred. It has also incurred a lot of pain and suffering. I only submit this now because I have only learned of this process today.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies are reporting an inaccurate and illegal collection account XXXX XXXX XXXX XXXX account number XXXX to my credit report. The collection account in question was furnished by XXXX XXXX XXXX XXXX without my permission. This action is in violation of the Fair Debt Collection Practices Act 15 USC 1692. I have not signed any contractual agreements with XXXX XXXX XXXX XXXX or authorized them to access my credit report or furnish information about me. The law does state that before a company collect any information about me, they have to first get my authorization to access my credit report for any purpose. XXXX XXXX XXXX XXXX did not follow proper protocols and is non-compliant with the FDCPA. Therefore, the inclusion of this collection account on my credit report is not only inaccurate but also an infringement of my rights under the FDCPA, and must be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

You can continue to mark as duplicate without regard to whats in actual complaint. Pre litigation demand processed- Omni will not receive any monies from this outrageous violation of consumer rights. 

FINAL ATTEMPT AT RESOLUTION WITHOUT LEGAL REPRESENTATION OMNI is reporting an invalid debt based on its conditioning loans to servicemembers on repayment by allotment, in violation of the Military Lending Act ( MLA ), 10 U.S.C. 987 ( e ) ( 6 ), and conditioning loans on repayment by preauthorized electronic fund transfers, in violation of the Electronic Fund Transfers Act ( EFTA ), 15 U.S.C. 1693k ( 1 ), and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Attached to this complaint are : - My drivers license - shows ID + address - My social security number - A letter I also sent via certified mail on XX/XX/XXXX - FTC Identity Theft Report
Product: Credit reporting

Experian is reporting Collection accounts from XXXX ( a Debt buying company ) These accounts are from a XXXX hospital I have never been. 
Also the COLLECTION ACCOUNT values are at XXXX balance. It is unlawful to report a collection that has no value
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for an update to credit report with all  XXXX  credit bureaus in regards to   XXXX   reporting on my credit report. It is now   XXXX   2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have  XXXX    XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.   XXXX   sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact the credit Beau three times filed disputes concerning my credit report not being current are updated in three are so years and bc of this I have over 60+ hard inquiries from being denied housing car leases they are continuely reporting my student loans late although I have called the department of education and verified that they are not and hasn't been in years this has caused me to be homeless and without means of transportation for almost 3yrs now they show on my report that my report has not been updated since XXXX  but it's actually XXXX
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Background : I have been a loyal customer to Wells Fargo bank for over 22 years, and have had a preferred checking account and a mortgage. 
- on XX/XX/XXXX, I paid off my mortgage in full - on XX/XX/XXXX, Wells Fargo applied early charge to my checking account of {$15.00} Unfair Customer Treatment : - on XX/XX/XXXX, Wells Fargo immediately charged my checking account {$15.00} fees despite that I get free checking during that month for having mortgage - Wells Fargo takes 24 hours after receiving the fund to show transfer fund to the account! 
- Wells Fargo takes 3 full business days for bank to bank money transfer! Other banks take one business day for money transfer! 
- Accordingly, Wells Fargo charged my account {$35.00} fees for OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/27 {$150.00} XXXX XXXX $ TRANSFER XXXX
Product: Checking or savings account

On XXXX/XXXX/XXXX an account was opened at a SunTrust Bank branch in Florida using my Social Security number and someone else 's name. I do not and have not ever had any accounts at SunTrust Bank. 

XXXX monitoring service provided an alert prompting me to call the bank to determine the nature of the alert. 

XXXX I called SunTrust bank noting that I had received an alert and that fraud was suspected. They opened a Fraud claim and they were unable to provide me with additional information other than I need to wait for an investigator to contact me. I was told I would be contacted in XXXX hours. 

( After XXXX/XXXX/XXXX with all of the additional documentation and proof of identity that is needed to open a bank account, I do NOT understand how they could use my social and another name. Is there no validation of the social and name in any banking or federal database? ) XXXX called SunTrust bank again for follow up. Was told they are still waiting for the investigator and that I would be contacted in XXXX hours. They are unwilling and/or unable to provide me the contact information for an investigator or information to adequately protect my credit and identity. If the person committing the fraud is using my social security number, I should be provided the information/address of the account or relevant information to protect my interests
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Product: Credit card

On Monday XX/XX/2024, I went into XXXX XXXX XXXX Bank on XXXX XXXX in XXXX, NC to deposit a check. The check was going to have to be held for 4 days, so I decided to.go to another bank, yet. I made sure to change my 3-digit voice response pin before I left to secure my account that afternoon. Not even 30 minutes later, I was unable to authenticate my Cash App account. I was able to use my phone number, pin number, and receive a message to my cell phone, but Cash App said that my identity could not be verified after these attempts and my debit card to XXXX XXXX XXXX XXXX was linked to that Cash App card with my information. I was able to speak with a representative who transferred my account to a new account. I had to use a new email and create a new Cash App name to do this.
Product: Checking or savings account

XXXX Navy Federal Credit Union Inaccurate Information XX/XX/2022 Theres two Navy Federal Credit Union accounts on my report. There should only be one account opened. I have never been able to fully open my account due to a restriction placed by XXXX XXXX XXXX.
Product: Credit card or prepaid card

I purchased gift cards from XXXX, and the product was not sold as described since they do not manage prepaid Visa gift cards. XXXX does not accept returns, so they sent me to InComm, who is the provider of the gift cards. I filed a dispute and provided all the documentation necessary to get replacements, but they are stringing along. I was advised this would be a XXXX working day process and called back after the 30 days only to be told they needed additional days. I called today XX/XX/23, and they told me to give them 48 additional hours. At this point, I am out {$400.00} total in gift cards which is not reasonable.

Incomm : Contact : XXXX XXXX Filed Initial Complaint : XX/XX/23 Sent back XXXX Requested Update : XX/XX/23 Kept Calling intermittently Last call XX/XX/23 Before I filed a complaint
Product: Debt collection

This account was on my report years ago. I filed a dispute and it was taken off my report now after mysteriously after 3 years its back on my report. I asked several times for them to remove it because of it was a fraudulent and I asked them to send me a validation of the debt and they said they didnt have to send me anything by law.
Product: Credit reporting or other personal consumer reports

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately. 

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 XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT.
Product: Credit card or prepaid card

Since XX/XX/2019, we have been locked out of the online payment process for Bank of America credit card. 

Upon them calling us for a missed payment, we explained that they rejected the original payment and have locked us out of the payment center for the account. 

This was explained at XX/XX/XXXX or XXXX, 2019 and again at XXXX payment cycle. 

They call my husband 7x a day and they call me 5x a day. This feels excessive considering the payment portal is still locked on their end preventing us to make a payment. 

As we both work during the day, we can not answer during work hours, so we are forced to continue this process for days on end as their office is closed when we are not working. 

For 4 payment cycles this issue persists and is harassing us for an error on their end.
Product: Credit card or prepaid card

Over the past year I have been electronically,  XXXX , financially,  XXXX ,   XXXX   XXXX   by corrupt law enforcement,  landlord  and his firemen friends. They stole many items of min e, one being a credit card out of my lock box. I contacted the company, reported it to the credit bureau and the IRS. Attempted reporting it to police but they just laughed, I also called the  XXXX  State Police but they refused to help. I 've moved to   XXXX   and the  XXXX  has continued. It 's difficult  getting help when it 's the police causing the problems. There 's many issues of  XXXX  going on in my life and I have many documents and the electronics to show what I 'm telling you is true. I 've reached out to the FBI for help but they apparently also do n't care even though my current landlady 's husband was just prosecuted by them for many of the same issues involving local politicians.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following fraudulent accounts on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX