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

We have had a business account with Wells Fargo for 6 years. All of a sudden Wells Fargo sent us a letter saying that our account will be closed as of XX/XX/2024. The letter says the decision is final and nothing can be done. I called their customer service. They forwarded me to their Loss Prevention Department. I talked to XXXX ( Employee Number XXXX ). He confirmed the decision and said nothing can be done. I asked for a supervisor. He said I can not talk to a supervisor. We have never done anything suspicious.
Product: Debt collection

Upon separation from my ex-husband I became aware that numerous accounts where opened up fraudulently in my name by him & his girlfriend & were now being reported on my credit. The account in question is from XXXX XXXX original account # XXXX & was opened approximately XX/XX/XXXX. In the process of cleaning up my credit I tried to reach out to XXXX who was the original holder of the account but was told it was sold to Second Round. I finally was able to have contact with Second Round & informed them the account was fraudulent & was not opened up with my consent. They argued with me & basically told me I was lying. After numerous phone calls and failed interactions they opened up a dispute & on XX/XX/XXXX sent me a letter informing me they would need an FTC report & also stated they have requested the credit reporting agency update the account as disputed ( which never happened ). I filed my FTC report & on XX/XX/XXXX & faxed it over to them. I gave it some time & reached out once again because nothing was changing and it was still being reported. I spoke to XXXX at extension XXXX who stated they did intact find the account to be fraudent but they were running into a problem with who should actually remove the account because she then stated they didn't hold the account the original company XXXX did. She suggested I call them and tell them the situation and that I could even give them her extension & she would explain her company found it to be fraud so on and so forth. It didn't make any sense to me at all because one company would say the other held the debt and it was there job to remove it and the other would say the same. I grew increasing frustrated with the situation and was told to give it some time to run through the necessary channels. I am now once again trying to resolve this issue so I can clear my credit and once again today XX/XX/XXXX after calling XXXX & pressing ex XXXX was hung up on after explaining some of the situation ( being told nobody by the name of XXXX works there ) & they now are refusing to answer the phone. I've had it with this company and don't know where to go to move foward. During all of this I also filed an Ftc report for an account that was opened fraudulently with XXXX. They found it to be fraud & immediately removed from my credit per the law. So why is this company allowed to continue reporting something they said they know is fraud & then make it impossible for consumers to communicate with them while they are rude, call you liars, hang the phone up or refuse to answer it, & a drag this process out for over a year. Totally ridiculous & I'm expecting them to finally do the right thing & remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name Is XXXX XXXX XXXX XXXX, I have spoken with Equifax, and XXXX representatives In regards to my personal Info being Incorrect as well as sending multiple letters to fix my name, address and to delete formerly known names off of my consumer reports. But in essence nothing was done in those regards. In 15 U.S. Code 1681 ( b ) - Accuracy of report It states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Equifax XXXX XXXX XXXXXXXX XXXX Formerly known as XXXX XXXX XXXX Social security number or XXXXXXXX XXXX XXXX Date of Birth XX/XX/1990 XXXX  Name XXXX XXXX XXXXXXXX XXXX Formerly known as XXXX XXXX XXXX Formerly known as XXXX XXXX Social security number or XXXXXXXX XXXX XXXXXXXX Date of Birth XX/XX/
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The following accounts are involved : Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$940.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$370.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$30000.00} XXXX XXXX  XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date XXXX XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Auto Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX And Equifax, XXXX, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXXXXXXHOW DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXXNOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


EQUIFAX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding Equifax to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to me.
Product: Credit card or prepaid card

On XX/XX/23 I received letters that both my quicksilver card and platinum credit cards are closed due to too many returned payments. I was never notified of this prior and nothing states the card can be closed due to such thing. I made Payments on time even paying in full and my payments returned because capital one does not take payments from savings accounts and I was also not aware. This is a simple miscommunication and I would like my accounts reopened!
Product: Credit card or prepaid card

BoA notified me of a new device logging in to my accounts, I called within minutes and spent 358 minutes on the phone with them immediately. My accounts were taken over/ hacked & drained by someone I had never heard of. This person also took a cash advance on my credit card then used XXXX to transfer the funds to himself. 
This all started on XXXX. 
In XXXX, BoA FINALLY returned the money that was stolen from my checking & savings accounts, but continue to deny my claim of fraud on the credit card! 
I dont understand how the cc fraud department & the wire transfer dept can not connect the dots! On my bank statement the 2 actions are right together!! Anyway, again claim has been denied. Calls not returned, cant seem to get a supervisor name or number from ANYONE. 
3 times Ive asked them to close my savings account & they tell me that I dont want to do that, now Im being charged for maintenance fees on a XXXX balance account! Please help me!
Product: Debt collection

Cavalry Portfolio Service is claiming that I owe {$460.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Calvary is a printout of some bill from what they say is the original creditor. When I receive it in the mail I call Cavalry and explain that this bill doesn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of info on my credit report that is not correct and I had identity theft with a checking account and the address below do not belong to me. Please remove incorrect info Never Lived at the below address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My address is XXXX XXXX XXXX, XXXX Ohio XXXX and i have lived there for over 10 years Please remove all other addresses address Below inquires I never applied for anything during this time, please remove these from my credit report. This is very scary, Im young and don't even want credit at this time. 

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX  AZ 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 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/19 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/19 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
Product: Credit reporting or other personal consumer reports

My information has been exposed in the XXXX data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by me XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid a balance that was owing outstanding to XXXX  ( XXXX XXXX XXXX XXXX XXXX ) and the balance is now XXXX  and have been but I still have not seen an update on my credit report. This is adversely effecting me and I even received a letter from a collection agency on a debt that is no longer owed. I hope that someone can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and the aftermath of this is the following unauthorized accounts inwhich is reporting on my credit file needs to be blocked and removed immediately unless the major reporting credit bureaus could provide me with physical documentation, id and signature of mines in relations to this unauthorized fraudulent accounts. Please remove the following accounts. 

1 ) XXXX/ XXXX XXXX 2 ) US Dept of Education {$3100.00} 3 ) US Dept of Education   {$1700.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. 18 U.S.C 1028 is the federal statute used by prosecutors to charge someone with identity theft. I want this issue resolved, and off my credit report ASAP or I will have to take litigation procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for fraudulent negative accounts that are on my credit reports. The accounts are the following : XXXX - XXXX XXXX {$2100.00} Experian - XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX  - XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$2100.00}
Product: Mortgage

This is now the third time I have had to spend countless hours with the escrow department to address egregious increase in my monthly mortgage back in XXXX and in XXXX my escrow analysis had to be recalculated which worked in my favor of a different of {$1000.00} per month. 

Now in XXXX they are including XXXX tax payment installments due to XXXX XXXX sending their tax bill late so of course there will be a shortage in my account when they are including an extra payment for taxes on this analysis. There should be no reason XX/XX/XXXX should be included on this analysis when they haven't paid out XXXX of XXXX yet. The current mortgage payment is {$3900.00} and they are now saying new mortgage payment is {$4900.00} again just seem egregious and not sustainable to raise someones mortgage by {$1000.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS HAVE BEEN OPEN BY WAY OF FRAUD DURING A DATA BREACH I HAVE SENT IN A FTC REPORT TO REMOVE THE ITEMS AND BLOCK THEM THE FOLLOWING ACCOUNT IS : XXXX XXXX  XXXX ACCT # XXXX THE FOLLOWING INQUIRIES ARE : 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  XX/XX/XXXX ; XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

XXXX XXXX XXXX XXXX reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and XXXX XXXX XXXX XXXX just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Remove the inaccurate information on my credit file that are fraudulent which are posted on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; AR CHILD SUPPORT SER XXXX  Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; AR OFF OF CHILDSPRT ENFO XXXX  Opened XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts ( XXXX credit card and XXXX loan ) on my Equifax credit report that popped up around XX/XX/2019. I did not apply for these accounts, these are fraudulent accounts and my bank account was takeover and I had to change all of my bank information. Someone changed all of my login credentials on XXXX website which was a red flag for me. I submitted a police report, FTC report, and an Identity Theft cover letter. Equifax deleted the information from my credit report and then reinserted it without a notification or any documentation from XXXX. This is drastically damaging all of my financials for my freight brokerage and it needs to be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. under 15usc 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604 also states that a consumer agency can not funish an account without my written instructions. Under XXXX5USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX. These accounts have both violated my rights and I need my accounts to show the remarks as current. The next step is reporting to the local Attorney General of Texas.
Product: Credit reporting or other personal consumer reports

To whom this may concerns there where XXXX XXXX XXXX XXXX opened with Self Financial between the dates of XX/XX/XXXX and XX/XX/XXXX and a Self secured credit card was opened on XX/XX/XXXX using funds that were paid into one of your Credit Builder Accounts. Each account was opened in my name, with activity and payment methods listed to from my personal account. I am saying I did not open this account and I did not complete this request on mybelf. I demand self to complete an full investation on these account and remove them from my credit report. If you fail to complete the guidelines set forth by the Fair Credit Reporting Act. I will be force to take you to connect the XXXX on my behalf. The account number and information is on my credit report. I need this information to be review and deleted from my credit score.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXXXXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Submitted both electronic and mail disputes with Experian in XX/XX/XXXX. I received a response from my electronic dispute which none of the judgements were removed from my credit profile. According to Experian I am unable to dispute the same account again for 3 months even though I do not agree. I have mailed them a response however each time i mail them I never receive a response. Electronic disputes and complaints are rarley handled appropriately. I received none of the evidence gathered from the creditors to validate these open court cases being listed on my credit profile as closed accounts with negative balances. These cases are still active in court, I am not aware of how Experian obtained this information and they have not shared that information with me. I have enclosed a form from the XXXX XXXX XXXX  XXXX which begining in XX/XX/2017 all non credit accounts were to be removed from credit profiles. In addition I have sent a copy of this to the credit bureaus as well, to have these non credit account open cases removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a correct to my personal information on my credit report on XX/XX/2020 as follows : To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX XXXX My only employer is : XXXX XXXX XXXX, XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX of this was completed in 30 days as per regulations. I am looking into retaining an attorney to get this matter resolved in the courts if this information is not updated. 

Respectfully, XXXX XXXX
Product: Checking or savings account

I don't have a phone number. Capital One is trying to do 2-factor authentication to a phone number I no longer have. Capital One has no alternative. Not everyone can afford a phone or wants to pay for one. 

I need to be able to access my account online by a means just like rich people with phones when I don't have one. 

There is no requirement in the account agreement that I have a phone, and I was lied to and told that I had to have one. 

https : //www.capitalone.com/XXXX/ <- There's nothing that says I have to have a phone in the agreement. 

If Capital One wants me to have a phone, Capital One needs to pay for it, or use an email address for verification like many other banks are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Citibank account charged off back in 2016. 
Although it was charged off, a balance still reported AND there were negative/late payments reporting every month. This is against the FCRA amongst several other FCRA violations including incorrect status of account and inaccuracies across the credit bureaus. This account should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unauthorized inquiries on my report that were supposed to be removed 3 months ago and are still there so my issue has not been resolved.