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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$770.00} US DEPT ED XXXX Balance Owed : {$550.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$8900.00} US DEPT ED XXXX Balance Owed : {$6000.00} US DEPT ED XXXX Balance Owed : {$8400.00} US DEPT ED XXXX Balance Owed : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

My account has been closed for a while now and just wanted to know why and how come?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 instruction.
Product: Credit reporting or other personal consumer reports

Due to the XXXX data breach there are accounts on my credit report that do not belong to me. Please see my previous complaint # XXXX XXXX in which it was found that XXXX was deleted from my XXXX credit file XXXX This account is still reporting on my Experian and XXXX reports. Since this account does not belong to me I kindly request it be removed from these reports as well. It should also be noted that this fraudulet accout appears twice on my credit reports, I am asking that they both be removed as they do not belong to me.
Product: Debt collection

The Receivable Management Services Corporation is attempting to collect a debt that I do not know. I have requested numerous times that the company provide me with information showing that this debt is mine as well as the amount owed. They have failed to provide me any documentation that this is my debt, but are continuing to send bills threatening to take legal action if I do not pay the debt. This has been going on since XX/XX/XXXX. They have also been reporting that I owe them {$380.00} to the credit bureaus which is damaging my credit. I first requested that they verify that I owe the debt back and XX/XX/XXXX and never received any confirmation. But they are continuing to send bills threatening legal action and reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX and Out with a balance of {$23000.00}, XXXX XXXX XXXX with balances of {$240.00} and {$320.00}, and lastly XXXX XXXX XXXX with a balance of {$890.00} 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.
Product: Debt collection

I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with   XXXX   XXXX   also the car was given back to the people without a hassle and all of a sudden these people Deville Mgmt for  XXXX  which they said it was open on   XXXX   XXXX  , 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely  XXXX  So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I Was a victim of identity Theft And Fraudulent activity, i was robbed of my wallet in XXXX, which contained my credit card XXXX XXXX My drivers license Id, Social Security Card, Cash, A Check, & also my 2 Bank account Cards. They used that information to use to open up a credit card ( discover. Bank ) of a credit Limit of {$200.00}. I Was Robbed of My wallet on XX/XX/XXXX & they Opened and applied and used my info to apply and get a Discover Credit Card Using my personal stolen information, on XX/XX/XXXX. I didnt Realize Until XX/XX/XXXX. The Account Was Closed on XX/XX/XXXX. Ive Tried Multiple Times to dispute, call, email, send letters contact XXXX, XXXX, XXXX XXXX, ect. To ge this issue resolved, because it has now effected my credit score, credit report, 3 credit Bureaus, and the stolen fraudulent discover card that was opened up and wiped out, has been and is still in now Collections/Derogatory. Which is effecting me from being able to moge forward with my credit and fix it. I need XXXX getting tbis removed fully off my credit report history and disputed fully & removed please. Thank you so much, my name is XXXX XXXX XXXX my DOB is XX/XX/XXXX. My number is XXXX and my email is XXXX XXXX
Product: Mortgage

XX/XX/XXXX I engaged in a consumer credit transaction for an alleged mortgage loan with XXXX XXXX  XXXX. In XXXX without my previous written consent or knowledge, I received notice that my alleged loan would now be serviced by LoanCare LLC and all payments and communication would now be with them. I did not provide consent for my personal information to be obtained and this is a violation of 18 USC 1028A. I began to receive deceptive forms and statements from LoanCare and continued to be harassed repeatedly. Although I submitted a validation of debt to LoanCare in XX/XX/XXXX, I still was hounded and harassed by them. They furnished false information on my consumer reports hindering my job seeking and eventually causing monetary losses due to additional funding needed for new living arrangements due to the false information shown.LoanCare continued to send abusing and fearful tactics until I was bamboozled into selling my domicile in XX/XX/XXXX after the continued threats.
Product: Credit reporting

CFPB report XXXX was filed on XXXX. I informed transunion that this was submitted by fraud and that they were suppose to have a block on my account. Transunion responded that they could not find the inquiry from one main in their records. attached is from the XXXX website showing that it is still in fact on my report, even after failing to put a lock on the account and stating it was not there. also, please note that there is a ftc id theft report ( # XXXX ) out there showing that this is a fraudulent inquiry that transunion did not prevent from happening as well as inquiry from clarity. rather then fixing these inquiries, the phone rep tried to upsell me into a different credit lock since they had not done theinitial one properly
Product: Student loan

My monthly payment recently increased ( almost doubled ) and unfortunately, I did not realize as I have the payment set to pay automatically each month. I made payments each month - just not the new amount evidently. Navient called me to tell me that my account was past due and that the late payments had been reported to the credit bureau. When I inquired as to why the monthly payment had changed, I was told that I had XXXX loan that had not been included in my consolidation, and that that loan had been in forbearance ( I did n't realize I had any loans in forbearance ). I was then told that the new payment now included my consolidated loans plus the loan that had been in forbearance which was now due. I requested paperwork to re-consolidate my loans, but after looking through additional paperwork that I had on file, it appears that I am on a graduated repayment plan. I called Navient again to try to figure the situation out, and the representative was not helpful at all - she told me to go to the XXXX website. So I still do not know if I have a loan that was not consolidated, or if my payment increased because of a graduated payment plan. I feel that if I had had a loan in forbearance, that I should have known about it ; that if I was on a graduated repayment plan that I should have been told ahead of time that my payment would soon be increasing ; and if I made my payments on time although not the proper amount, that it should not have been reported to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

Bank of America filed delinquency garnish my credit history. 

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. 

I told the XXXX and XXXX to reinvestigate these Bank of America XXXX XXXX accounts : ending on XXXX and XXXX. However, they stated everything was complete and accurate. But it is the Bank of Americas fault froze my checking account which is used to send automatic payments to both of these credit cards, and then after it froze, it could not make the payment anymore. It caused the late payments. I have the same problem with the XXXX credit card, I paid the balance and closed the credit card. And XXXX is willing resolve the dispute and clear the delinquency. I paid off the remaining balance of the XXXX XXXX on Bank of America and closed these credit card, but, they are not willing to solve the delinquency even though it is their fault on closing the checking account in the first place. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX  XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.
Product: Credit card or prepaid card

After noticing, online, compromising activity on our Truist checking account and fraudulent charges on our BB & T Visa Credit Card, I immediately reported this to Truist 's Fruad Dept. at XXXX on XX/XX/2022. They advised we should go to our local branch office and freeze all of our accounts except the debit card, which was not compromised, and open new accounts. My husband and I followed their advice and went to our local Truist Bank on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and closed the accounts.The compromising activity in the checking account was credited back to our savings account, but Truist replaced our BB & T Visa Credit Card that had a 11.90 % INT rate ( the card with fraudulent charges ) with a new Truist Visa Credit Card at 13.400 % INT rate. After complaining to Truist, we were advised to send a letter to the Truist Headquarters, XXXX XXXX XXXX, XXXX, NC XXXX, which we did on XX/XX/2022. We are senior citizens on fixed income and needless to say, this larger INT rate has put an extra financial hardship on us. To date, Truist has not responded to our letter and has not changed the INT rate. We believe this is an unfair business practice.
Product: Money transfer, virtual currency, or money service

I have not received restitution under CFPB 's consent decree In re USAA Federal Savings Bank, File No. XXXX. 

On XX/XX/2018 I notified USAA I revoked my authorization to draft my account effective immediately. They drafted it anyway. Then they drafted it again weeks later which they never had permission to do. I was charged a {$33.00} fee by my bank each time ( XX/XX/2018 and XX/XX/2018 ). 

USAA has also cut off access to my account. I can not log in online. This happened after the above incidents so I feel like I was retaliated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a written request to Experian for my free consumer credit report AND file, which they received on XX/XX/2022 and I am still waiting on correspondence.
Product: Credit reporting or other personal consumer reports

Late payments showing on my credit report that are not accurate, I have never been late on these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

RIA money transfer which is a company that I used to send money internationally, is ILLEGALLY holding my money for no reason ; they asked me information in order to send X amount of money as usual, after a couple of hours I received a call from them asking me for more information in order to finish the transaction. I didnt have the information and I cant get that information. So I asked for my money back so I can resubmit the transfer with a different recipient. 
They said they need that information to finish the transaction or to return the money to me the sender. I understand they need more information Im guessing for security purpose but they should asked everything they need before the customer submit the transaction. We sometimes like in this case CANT get that information. And from my point of view they arbitrarily are keeping forever my money because I cant provide information that they missed asked in the first place. I dont have the money my recipient doesnt have the money and they ( RIA money transfer ) are stilling my money. I need help not for the amount of the transfer is to keep everyones money safe ; no matter the amount.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a renewed phone on XXXX from a seller? And a finance company who misled me and returned phone and affirm stated they refunded? Or reversed loan that didn't exist? But still charging me and reported in accurate information to XXXX? Was harrassed through text and email daily and calls were hung up on and emails to help center unanswered??
Product: Checking or savings account

Before opening the accounts I contacted Wells Fargo customer service. 
ALL customer service representatives stated a banker in the branch has XXXXe ultimate knowledge to interpret the terms and conditions. 
To properly interpret the clause : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months. 
On XX/XX/year>, at XXXX PST I spoke to XXXX XXXX XXXX a banker at the local branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She stated - clearly and unambiguously that it means the 12 months period begins from the date of the previous account opening. 
Wells Fargo representatives NEVER addressed this fact. 
I certify I am telling the truth and only the truth.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX ) : ( XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Credit card or prepaid card

My account got restricted for the 2nd time in 2 months without explanations. 

these were the two last months before my annual fees were due.

When I called capital one on XX/XX/2020 at XXXX PST I have been transferred to 3 representatives who had put me on hold until the last one told me that I ll be put on hold for 5 minutes but never picked the line back after 20 minutes. i have waited a total of 90 minutes on the phone without even getting close of a resolution.

I also asked the first representative to get my annual fees refunded, but he told me that this was not possible since my account is restricted. So I couldn't get my annual fees refunded nor I can use my account.
Product: Bank account or service

I have been banking Regions Bank since XXXX of 2016. I have received information on my account and how I should maintain it. However, since XXXX 2016, There has been an issue of my statements being tampered with. On XXXX XXXX, 2016, I have made a purchase from XXXX XXXX online of an estimate of {$20.00}. However, Regions Bank, deleted that statement and moved it to XXXX XXXX. XXXX XXXX also charged me {$7.00} within my bank statement. I have also payed off my {$150.00} loan using my bank account. Regions bank did not charge me for the overdraft. I was able to pay off the negative balance in time to have a positive balance. On XXXX XXXX is when I had made a payroll deposit of {$150.00} from my job. I was not aware that they will keep my payroll check an extra day. However, they were already informed months ago about my employment. Regions bank had charged me an overdraft fee of {$36.00} twice -- right after I have cleared my balance. I am {$44.00} short due to the overdraft fees that they have still charged me after I have cleared out my balance. The Regions Bank Manager also allowed the ATM at the bank to keep my card due to her unauthorized of deactivating my card. She was rude not understanding. Regions Bank had hidden information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/XXXX, my credit report inaccurately stated that I was 90-120 days late on my federal loan, as reported by XXXX XXXX, my loan servicing provider at that time. This misinformation persisted despite the fact that I had been granted a deferment period from XX/XX/XXXX, to XX/XX/XXXX, as confirmed in an email from XXXX XXXX. The deferment was initiated because I enrolled at XXXXXXXX XXXX XXXX and the college duly notified XXXX XXXX about my enrollment status.
Product: Checking or savings account

I opened a Chime checking account about 2 years ago and have been having my paychecks deposited there and moving them into my Chime savings account since. I transfer money into my checking as needed so I dont overspend, so it had a {$0.00} balance and {$760.00} was in my savings account. On XX/XX/22 around XXXX I received a notification on my phone that thanked me for making a deposit into my checking account that I never made. Within a minute, I got a notification and email from Chime support letting me know that my account had been closed. I immediately responded to the email asking why, and what would be done about the {$760.00} I had in my account before it was closed. Within the hour, support had emailed me back and let me know that they closed my account due to not being in compliance with Chimes internal policies and I am ineligible for my money back. I responded immediately again asking for clarification on what that meant and why I was ineligible for my money back. I was then told that someone would reach out to me by email within 2-3 days, and that if I kept reaching out it could delay my response. I called their support number but it is an automated machine that only gives you their email address. Then I called XXXX XXXX, the bank Chime partners with and explained the situation. They also told me they have nothing to do with Chime and I would have to reach out to them for any help. I never heard back from Chime support. So it appears theyve randomly decided to close my account and keep my money.