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

I disputed the following information below contained in the attached files with XXXX, XXXX, AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY/XXXX  XXXXXXXX I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Product: Credit card or prepaid card

This is my XXXX email attempt to find out why my BofA account has not been reactivated. I have called both XXXX and BofA multiple times to discuss this matter, but have yet to have it resolved Recently I received an email from BofA, where they updated my email account, and today I received an email from XXXX to verify my identity with ID.ME. My identity information has been uploaded into ID.ME account since XXXX and has been verified. 

This is now going on XXXX weeks that myself and my family have had to endure without my much needed XXXX XXXX. We have had to beg and borrow in order to survive. Our phones have already been disconnected once, and are do to be again soon. My car is currently delinquent and will soon be out for repossession. 

At this point I am due XXXX back payments, and coming up on a XXXX, in addition to the {$300.00} federal stimulus that is due. 

I am begging for assistance and would appreciate any information to help me move this process along. I've been informed that as of the XXXX of XXXX my ID has been verified, and that the request for a back payment check and authorization for BofA to reactivate my account. Today is the XXXX and still nothing. I am begging for someone to please get my account reactivated XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding inaccurate information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding the following discrepancies, but to date, I have not received any response from them. I am seeking your assistance in resolving this matter promptly. 

Details of the inaccuracies and required corrections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$320.00} Original Creditor : XXXX Please remove this account from my credit report. 


Account Type : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX  Please remove this account from my credit report. 


Account Type : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Original Creditor : XXXX Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : XXXX  XXXX XXXX reported account closed XX/XX/2021 : XXXX XXXX XXXX reported account closed - again - this is a duplicate
Product: Debt collection

A fraudulent XXXX XXXX credit was opened in my name. I had never known this as I had not checked my credit for a long time. Upon discover, the XXXX XXXX account was sold to Midland Credit Management. I filed an Identity Theft Affidavit with Midland Credit Management and XXXX XXXX. Midland Credit Management does not agree that I had never owned this account and they will not remove their collection from my credit file. I want full disclosure and proof verifying that I opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that Equifax and XXXX  after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : MXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Information Was Fraudulently Used At Synchrony Bank For An Inquiry. Im Not Familiar With This Inquiry
Product: Debt collection

I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
Product: Debt collection

I researched my credit report XX/XX/XXXX. I noticed that there was an unfamiliar debt on there. I mailed a certified letter to XXXX XXXX on XX/XX/XXXX regarding this debt requesting validation. Instead of offering the validation that I was requesting, they have now added this debt to another credit bureau. I am requesting that they remove this debt from all of my credit reports. As I have given them more than the 30 days required by law to prove that this debt is in fact mine.
Product: Credit card

About 6 month ago I applied for a secured Credit Card with Wells Fargo since I bank there for the last 4 years. I was approved and deposited {$300.00} into the card. Since I have a XXXX my mother is helping me with my monthly payments. 

On XX/XX/2016 I made a transfer in the amount of {$45.00} from my checking account into the the secured credit card and got charged a {$35.00} Overdraft Transfer fee. 

On XX/XX/2016 my mother made a {$43.00} deposit into my checking account through the ATM, which was posted to my account on XXXX. That means the bank was working with my money for 4 days before they transfered it into my checking account, which resulted for me to have a negative amount of {$0.00} cents on my secured credit card, since I was unable to make a transfer deposit. 

On XX/XX/2016 I was finally able to transfer {$0.00} cents into my securedt credit card after the bank deposited the {$43.00} my mother deposited into the ATM on XX/XX/2016. For the transfer of the XXXX cents I received another {$35.00} fee. 

My account is now overdrawn by {$71.00}. On top of that the bank charged me another {$10.00} annual fee on my secured credit card, that means my card is now overdrawn by {$11.00} which probably result in another {$35.00} fee on the next day. I was not aware of an annual fee and the bank never informed me before debiting my secured credit card. 

Since I am on XXXX my Social Security payment comes into my account always on the XXXX of each month. With now {$82.00} in minus on both accounts together I am not able to pay my utility bills. It also means that the bank is now reporting an over the limit to the XXXX credit bureaus on my secured credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE TO OPEN UP FRAUDULENT ACCOUNTS PLEASE DO NOT OPEN ANY ACCOUNTS WITHOUT CALLING FIRST ( XXXX ) XXXX I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

My Credit card was charged {$250.00} at a merchant called XXXX in XXXX. I filed a police report with XXXX # XXXX in XXXX XXXX Fl. Then filed a claim with Bank of America and told them of a police report being filed, then called the vendor to gain any information. A man came with a party of XXXX people and placed my Credit Card and address for his booking. Placing his phone number and name of XXXX XXXX. On XX/XX/year> I recieved an email stating my claim has found me at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( XXXX ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. 

I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
Product: Checking or savings account

When I walk into a PNC branch office I am constantly being harassed by PNC employees. The constantly try to collect my private data and sell me services I am not interested in purchasing. I receive several phone calls a month from PNC trying to sell second mortgages. The PNC sales team will say anything to obtain a lead and set up a follow up phone call which results in nothing. PNC uses very aggressive sales practices which is becoming uncomfortable to me as the consumer. They are so aggressive and annoying that I don't want to walk into the bank branch office because I know I will be harassed by their staff. The last time I was called by PNC I asked them to please leave me alone and stop harassing me, but they do not stop. I am requesting that PNC stop their aggressive sales practices, stop invading my privacy and please leave me alone. I can't cash a check without being badgered by aggressive sales people who just don't stop pushing and constantly calling me to sell services I'm not interested in purchasing. This organization is " In Your Face '' aggressive and I am asking PNC to please leave me alone. If I need financial services, or help, I will let them know. I had one PNC employee point out that my drivers license was close to expiring and demand I let them know when the license will be updated. They literally grabbed my license from my hands to inspect. Enough is enough! Please stop harassing me.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Student loan

While paying my Federal Unsub loan balance using Mohela 's " Payoff Calculator '' I submitted the full calculated payment amount to completely pay off and discharge the loan principal and interest amounts. Upon submitting the payment I was notified that I would receive confirmation by mail that the loan was fully paid off. Not only have I not received that notice but now there is {$0.00} of outstanding principal on my account when I checked after my payment went through. It is only {$0.00} but the idea of keeping the loan active after I was told it was paid off is ridiculous, If I had never checked back I may have never closed that loan that I had paid over {$42000.00} on.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  account opened XX/XX/XXXX without my consent. Someone used my information to open a credit card account. The account was charged off with a balance of {$620.00} on XX/XX/XXXX. This has affected my credit score for years. After much effort in reaching out to XXXX XXXX Trans Union, XXXX, and XXXX, I have not gotten any results.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This unauthorized inquiry is a clear violation of my rights, and I am demanding its immediate removal from my credit report.
Product: Credit card or prepaid card

In XX/XX/2021 CitiBank issued a replacement Shell Fuel Rewards MasterCard ending in XXXX. This card replaced a previous card ending in XXXX. I have never missed a payment. I have just found out a balance on the old XXXX card of {$44.00} was reported as a " bad debt '' rather than being transfered to my new card. 

I have been on the phone over an hour trying to get this resolved or at least get an explanation. Nothing. No one at CityBank knows what happened or how it happened. 

Please help me. I'm at the end of my rope with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$460.00}
Product: Consumer Loan

Still reporting the debt when it is past the reporting time for a loan please stop reporting and ruining my credit
Product: Credit card or prepaid card

Following fraudulent activity on my HSBC Premier Mastercard, HSBC has recovered the amount from XXXX ( from which the fraudulent charges originated ), but has applied late fees, penalties and interest. Following a phone call with customer service, HSBC has confirmed they would credit them back and that the balance would be purged back to XXXX. However, days later a notice of late payment was sent to my home urging me to pay back the amount outstanding. Not only is this fraud, but following this I tried to call customer service again and have been unable to reach any other department than the collections department and any messages I have sent through my online account have been automatically replied to urging me to contact the collections department. The collections department 's bullying tactic involves questioning to obtain as much information as possible, refusing initially to transfer me to the fraud department, and once transferred I was first dropped to the main standard again, which reminds you of the balance outstanding and only gives you the option of making a payment. After calling the collections department again, I asked to be immediately transferred to the fraud department, and was put on hold for an hour while I had just been transferred within a minute hold and dropped 10 minutes earlier.
Product: Debt collection

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Product: Bank account or service

Someone deposited counterfeit into my checking acct. and the bank honored them. The money was withdrawn the same day. They are holding me responsible for all monies withdrawn. They subsequently closed y account and say I owe them XXXX plus dollars!!
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted TransUnion several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX via XXXX XXXX- Requested On : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX- Requested On : XX/XX/XXXX XXXX - Requested On : XX/XX/XXXX XXXX- Requested On : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I contacted the Premier Student Loan Center as a way to help consolidate my loans and possibly forgive a portion of my loans. I spoke with someone who was a representative of the company. He told me that my loans could be reduced from XXXX to XXXX if I made on time payments. All they needed was a credit/debit card, social security, and my FSA ID number. I gave him all of that, charging me {$240.00} for the first for months and then {$30.00} a month after that.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Westlake Financial for significant violations of my consumer rights, both under federal law and the laws of Florida. My concerns involve several breaches, including : Violation of Federal and State Privacy Laws : Westlake Financial has failed to provide me with an opportunity to opt out before disclosing my personally identifiable financial information to third parties, such as other financial institutions and consumer reporting agencies. This breach contravenes the federal Gramm-Leach-Bliley Act ( GLBA ) and the Florida Information Protection Act of 2014 ( FIPA ). I had explicitly informed Westlake Financial that I did not consent to the sharing of my private information. Nevertheless, Westlake Financial has justified its actions based on its Privacy Policy and Privacy Notice, which appears to misinterpret or misapply the requirements of the GLBA. 

Unauthorized Sharin

g of Information : I have never entered into any agreement, nor have I authorized Westlake Financial to share or transfer my personal information to another financial institution. This unauthorized action raises significant concerns. Failure to Provide Account Information : I have repeatedly requested a complete accounting of my account from Westlake Financial, including detailed documentation signed by an authorized representative. Instead, Westlake Financial has on
ly provided a copy of the Promissory Note. This lack of clarity suggests potential violations of the Truth in Lending Act ( TILA ). 

Violation of the Florida Consumer Collection Practices Act ( FCCPA ) : In my recent notices to Westlake Financial, I specified that all correspondence should be sent to a designated address, with any mail sent to other addresses being deemed inconvenient and an invasion of privacy. Despite this clear instruction, Westlake Financial has continued to send mail to an address I have indicated as inconvenient. 

Identity Theft Allegations : Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). By sharing my financial information without my consent, Westlake Financial is engaging in activities that may constitute identity theft under federal and potentially Florida law, as well as employing extortionate means to collect credit extensions.