23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recently tried to open an account with Truist Bank. I was informed that there was an account opened in XXXX and fraud committed in XXXX. I have never opened an account with them previously. I've done everything they've asked of me. They said they were sending me a fraud packet to complete. I gave them my correct address and they have refused to send it to my correct address. They sending the packet to the address they have on file. They refuse to tell me the address they have on file. They can't tell me the branch or the location that the account was opened. They gave me the number to a guy named XXXX claiming he was my investigator that I had to speak with him to Gert the paperwork sent to the correct address but that man never answered the phone or returned any of my calls or messages. I've been fighting identity theft since XXXX when XXXX XXXX opened an account with XXXX XXXX XXXX and got a home phone to her house in my name. My sister XXXX XXXX has ruined my XXXX XXXX account stealing and disputing transactions. Truist has refused to let me know anything. The only people that could be responsible for this is XXXX XXXX or XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX 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 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.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate and unlawful reporting of an account on my credit report associated with the following : Creditor Name XXXX XXXX  Account Number : XXXX Original Creditor XXXX XXXX Credit Bureaus Reporting : TransUnion, Experian, Equifax Balance : {$0.00} High Credit : Inconsistent across bureaus ( {$430.00}, {$0.00}, {$390.00} ) Date of Last Activity : XX/XX/year> TransUnion ; XX/XX/year> XXXX ; XX/XX/year> Equifax Violations Identified : Inconsistent Reporting ( FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ) ) The account is being reported inconsistently across all three credit bureaus in terms of : Date opened High credit amount Account status and comments Last activity dates This violates the FCRA requirement for maximum possible accuracy.

Duplicate/Improper Reporting ( FCRA 623 ) The original creditor ( FETTIFHT/WEB ) marked the account as " charged off '' and " purchased by another lender, '' yet it continues to be reported with a {$0.00} balance while maintaining a derogatory status. This is misleading and impacts my creditworthiness.

No Current Balance Yet Marked Derogatory ( FCRA 605 ) Since the balance is {$0.00} across all bureaus, the account is no longer legally collectible. Reporting it as derogatory with a {$0.00} balance is misleading and punitive.

Violation of FDCPA Reporting a charged-off, sold account as still active on a consumer credit report misrepresents the legal standing of the debt and constitutes deceptive reporting under the FDCPA.
Product: Debt collection

I found a collections report on my credit report, date opened XX/XX/XXXXof balance amount of {$710.00} from Fidelity Creditors SVC. I made attempt to dispute it and was told of another company that claim to offer credit card processing service. Meanwhile, I did not receive any service from the credit cars processing company. 
This credit card processing company is a fraud trying to collect a debt that i do not own, i did not even get any service yet from them when i ask them to stop to process any account with them because i discover they were not going to offer everything i was asking for. This company did not give correct details of my question about the service so when i saw what they were trying to do i ask them to stop the process and they refuse claiming i have to pay some amount which i did not own. I never receive any equipment yet and i never even start to use the service at all. So this company reported to collection company and this report is causing a negative view of my credit report and i could not get any financial loan or credit because of debt that i do not owe.
Product: Credit card or prepaid card

For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, every time I tried to pay my bill through auto-pay it would not go through. This has effected greatly as well since Ive been dealing with reoccurring health problems and I can provide medical bills to prove it. I reached out to the company more than once and theyve done nothing to resolve this issue. I even offered to pay the entire balance due in full if they could remove the 8 late payments that were brought on due to their faulty auto-pay system. I now can not get approved for an auto loan due to these marks on my credit report and the company will not help me with this unfair situation.
Product: Credit card or prepaid card

I was unable to resolve disputes for 5 unauthorized billing errors. So, I closed my First Progress secured credit card account. My First Progress XX/XX/2021 Statement proves the account closure date without the complete refund of 5 unauthorized charges on it, which total {$120.00}. I am due a full refund of {$120.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX has been published without my written or verbal consent which violates my privacy and multiple laws pertaining to thus. 

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 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: Mortgage

From the covid- i was in deferment and i been making payments since XX/XX/XXXX but since showing i owe over {$40000.00} which is incorrect. 
i have called mutiply times, they refuse to assist me, i request to speak to a manager. they refuse to give a manager, i ask for there supervisor, refused me that also. 
they mention it a few weeks to update my files- it's have been months i have document to back this up. 
i believe interest has been adding up and they have been adding to the principle
Product: Student loan

The company is student loan XXXX. I spoke with a XXXX and signed paperwork to do a loan for student loan forgiveness program. With 5 monthly payments of {$240.00}. I believe I have been scammed. They have my debit card number what do I do? Please contact me XXXX or email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$110.00} XXXX XXXX  ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$750.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I have been receiving multiple phone calls from Central Credit Services LLC regarding a debt I owe on a credit card. On X/XX/2017 they provide personal information regarding this debt ( amount owed, attempt to collect a debt, asked the person if they could pay my debt, etc ) to a person unrelated to me that answered my phone number. They additionally are constantly calling and harrassing my place of employment and told my employer that I said that they would pay for my debt which is a lie. I have told them I am responsible for this debt. They are repeatedly harrassing them and my company has asked me several times to make them stop. I have asked Central Credit Services multiple times for them to stop calling my employer and they still continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my Equifax consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Checking or savings account

I transferred XXXX XXXX to my checking account at Bank of America from my checking account at XXXX XXXXXXXX XXXX using XXXX The transfer happened on XXXXXXXX XXXX. Bank of America confirmed receipt of funds on XX/XX/ but has not released my funds to date ( XXXX XXXX ). This is after 8 days of holding the funds. When I contacted them repeatedly they told me that the funds were somewhere in their system but that they had no idea where and that I would have to wait for a 45 day period while they investigated the location of the funds. Bank of America acknowledged that they received my fund ( also as documented on their online banking ) but that for reasons that no one could explain to me the funds were not able to be released. They did confirm that there was no fraud issue but could not explain or release my funds otherwise.
Product: Checking or savings account

Company is closing my bank account no loses just disputes over small unauthorized charges after XXXX XXXX of banking with them and hundreds of dollars in fees
Product: Payday loan, title loan, or personal loan

I requested {$500.00} loan, I did my first payment to them. they told me that I have to make 2 payments per months, each payment for the amount of {$130.00}, and none of the money goes to repay the loan, they charged me {$2000.00}, for {$500.00}, at 697.07 % variable rate, it's that even legal, I believe that we have regulatory laws in the financial world, and this depredatory loans are prohibited.
Product: Credit reporting or other personal consumer reports

Re : BK OF AMER - XXXXCreditor : BANK OF AMERICADear Sir/Madam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : [ XX/XX/year>XXXX XXXX XXXX XXXX XXXX  ] It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Include also all the information required by section 1637 ( b ) of Title 15. 

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
If, after the timeframe allowed, you are unable to provide me with the information requested or validate the late payments mentioned on the dates specified, it will be assumed that you lack the necessary procedures to ensure the accuracy of my account. I would then request that these accounts be updated to reflect their correct status as " Paid As Agreed Never Late. '' I will forward this complaint to the CFPB ( Consumer Financial Protection Bureau ), as well as to all relevant agencies ( XXXX, XXXX & XXXX ) in the event that apply until updated corrections are made and finalized. 
Please forward any corrections to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Sincerely XXXX XXXX XXXX XXXX
Product: Debt collection

PORTFOLIO RC HAS BEEN CALLING HARASSING ME AND TREATING ME & REPORTED FALSE INFORMATION TO THE XXXX XXXX  TO HURT MY CREDIT SCORE IF I DONT GIVE THEM CASH PAYMENTS AND MY SSN #. FOR AN ACCOUNT THAT I DO NOT OWN. THIS WAS A FRAUDULENT ACCOUNT & XXXX XXXX HAD REMOVED IT FROM MY CREDIT HISTORY & CLEARED ANY RESPONSIBILITY ON THIS FRAUDULENT ACCOUNT THIS FROM MY CREDIT HISTORY. PORTFOLIO RC HAS BROKEN CUSTOMER CREDIT LAWS FOR FALSE INFORMATION TO HURT MY CREDIT SCORE. XXXX XXXX HAD SENT ME A LETTER 4 YEARS AGO AND LAST YEAR THAT THIS ACCOUNT WILL NOT BE ON MY CREDIT HISTORY EVER AS THIS WAS A FRAUDULENT ACCOUNT, THAT SOMEONE STOLE MY INFORMATION. PORTFOLIO RC HAD NO RIGHT TO ADD THIS FRAUD INFORMATION TO THE CREDIT BUREAUO. I HAD WRITTEN A LETTER PAST 4 YEARS TO XXXX XXXX XXXX XXXX XXXX AND THEY BOTH AGREED TO REMOVE THIS FRAUD ACCOUNT FROM MY HISTORY. PORTFOLIO RC BROKE THE LAW AND ADDED THIS REMOVED FRAD ACCOUNT, THAT IS NOT MINE, IN MY NAME & THEY NEED TO REMOVE IT ASAP!
Product: Checking or savings account

XX/XX/XXXX I received a call from Wells Fargo ( it was their number but not them ). They had all my information when I answered the phone and had advised me rhag my card had been used for fraudulent purchases ( when I checked online it had ). The imposter rep assured me it was all going To be returned. I had {$31000.00} taken ( combined debit purchases and wireXXXX transfers XXXX I have a police report detailing everything. I received the debit purchases totaling {$11000.00}. Wells Fargo is refusing to return the {$19000.00} in transfer stating that because it was done using a secure system it was approved by me. It infact wasn't. I am out years worth savings. I believe it was an inside job. This person know my account info and would call me an hour or two after I had called Wells Fargo myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNIVERSITY XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT VETS ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 

Attention General Counsel : ExperianXXXX 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 and inaccurate information on consumer credit report by Experian XXXX 


XXXX. When a consumer disputes the accuracy or completeness of information in their consumer report, the FCRA requires Experian to conduct a reasonable reinvestigation of the disputed information and report the results of the reinvestigation to the consumer, all within certain timelines. 15 U.S.C. 1681i ( a ). At the conclusion of the reinvestigation, Experian must modify or delete any item of information found to be inaccurate or incomplete, or that it could not verify. 15 U.S.C. 1681i ( a ) ( 5 ). For any information deleted as a result of a dispute, the FCRA imposes specific obligations on Experian that must be satisfied before that information may be reinserted into a consumers file. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) 12. Additionally, Experians problematic dispute resolution processes have resulted in several other issues, including Experians outright failure to reinvestigate a significant number of disputes within the timeline required by the FCRA, its ongoing refusal to reinvestigate hard inquiry disputes, and its routine failure to ensure that previously deleted tradelines are not improperly reinserted into a consumers file. 

Consumer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian initially removed the disputed account, which had identified been identified as fraudulent, from Consumer credit report. 
FTC Report XXXX However, on XX/XX/XXXX, after a Fraud Alert had already been placed on my file, Experian inexplicably reinstated the fraudulent account. 

CC : Enclosed Documents Consumer Demand For Arbitration Form Privacy Act Of 1974 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Report XXXX Experian Report With Tradeline Deleted & Experian Report With Tradeline Reinserted
Product: Checking or savings account

My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, both Bank of America and XXXX keep changing it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reported this problem to their customer service respectively, but they just updated the current record and failed to escalate the issue. This is a systemic error that some kind of automatic address checking mechanism is applied incorrectly. This is a serious matter because both addresses exist, my financial information is mailed to a wrong address where someone else lives.