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

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card

On XX/XX/year>, I received a fake advertisement for a car warranty. I knew my XXXX XXXX XXXX warranty was ending soon, and I called the phone number to purchase the warranty. I was billed {$290.00} on that day from " XXXX XXXX. '' The person on the phone was claiming to work for XXXX and knew of my current warranty, but once the " Welcome Packet '' arrived in the mail, I took it to my local XXXX dealership who confirmed it to be unrelated to them and fake ( see attached images ). When I tried to cancel my XXXX contract over the phone, I was consistently forwarded to what seemed to be an A.I. automated line with no real person, ending with an empty promise that a live agent would be in touch shortly ( I never got a call back ). Therefore, I disputed the transaction through Bank of America on XX/XX/XXXX and requested a new card thinking it would solve the problem. However, on XX/XX/XXXX, I received another payment of {$270.00} from their billing service ( XXXX ) on my new credit card ( see attached ). On XX/XX/XXXX, I called XXXX to refute the charge and end these payments, but they said only XXXX can cancel these automatic payments by terminating my contract, and then forwarded me to the same fake, XXXX. generated line that led nowhere. At this point, I do not know how to end these payments, as I have tried canceling the warranty contract, calling their billing platform to cancel these payments, and requesting new credit card numbers from my bank XXXX Bank of America ). On XX/XX/XXXX, I sent a letter to the address in the welcome packet I received, requesting an immediate termination of my contract ( see attached PDF ) in the hope they honor it. This information was provided by someone at the phone number ( XXXX ) XXXX who apparently works in the same office building as the scamming company called XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/2019 I sent in a check to Discover Bank to be Deposit in the amount of XXXX. I had to verify my identity twice. With this bank which I had no problem doing so. Everything was good until XX/XX/XXXX when I was trying to withdraw the XXXX dollars. I called they said they closed my account and couldnt give me anymore information. So I asked could I speak with a supervisor she got on a she was very rude saying she couldnt tell me why the account was closed. But then I called today which is XX/XX/XXXX and they let me know the account is still open it just froze for security reasons
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit and three done without my consent or knowledge this credit request was done fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from   XXXX   XXXX   around the end of   XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.
<P/>
Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX    today and they told me to file a complaint with the FTC.
Product: Money transfers

I have been sending money to XXXX to take care my mother who has XXXX XXXX via my sister 's account in XXXX. Recently, I have used Bank of America, first one on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and noticed OTHER FEES charged {$15.00}, {$15.00} and {$20.00} respectively on top of transfer fees {$45.00} each. My sister was able to get the document from XXXX Bank showing the actual amount each time it went thru and it was less deposited due to " OTHER FEES " as above. I asked Bank of America what is that for? It said Intermediary Bank Fee. I asked which intermediary Bank was it? It ca n't answer me. That was the answer from the " wire room specialist '' The XXXX statements showed It went straight from Bank of America to XXXX Bank minus OTHER FEE CHARGES every time, NO Name of other Bank i.e. third party bank showed.Why am I getting double dip from this big bank? It is WRONG. My friend used XXXX and no other fee charges with XXXX for wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent certified letters to XXXX, TransUnion and XXXX advising that I am a victim of Identity Theft and that the information being reported is fraudulent. It has been over 30 days since XXXX, TransUnion and XXXX received my correspondence which contained a copy of my valid Driver 's License, my utility bill for proof address, a notarized Identity Theft Affidavit and a Federal Trade Commission Report. I have not received any other notices that the False information therein was Deleted, and yet this False inaccurate information still remains on my file with the last investigation. Because of this I have been damaged by XXXX, TransUnion and XXXX and unable to fairly obtain housing, credit, loans or employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Open NO KNOWLEDGE OF SUCH ACCOUNT WHILE I WAS SICK WITH XXXX XXXX XXXX FOR A THIRD OF THE YEAR, NO CONTRACT, NEVER WENT INTO A BANK TO OBTAIN ANY LOAN
Product: Credit card

I called Goldman-Sachs regarding an Apple credit card. I read that by applying for the card, there would be NO hard inquiries and that my credit score would not change. That was NOT true! This was one week ago. I could not speak to a real person, and got hung up on 3 or 4 times! I said do NOT send me that credit card, and that I felt they were frauds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a general complain about XXXX, XXXX and Experian. As a consumer you can't contest your credit score, but those agencies do whatever they pleased to do. 
It takes years to fix your credit score, you pay off your debts slowly but surely and your credit score goes up 1 or 2 points a month sometimes not at all. 

A bit over 3 years ago my debt ratio was high over 50 % and scores were between XXXX, now 3 years later I got it down to 38 %. earning few points, a month and depending on agency and score they use I got XXXX or more. 

Recently I did a balance transfer from credit card and paid off 2 cards with high interest and the XXXX broke loose. That was supposed to help me right, only few days after my reported scores went down by XXXX points, I worked for over 3 years. How is this acceptable? I saw it on couple reports and assume more will follow. It was a transfer not taking extra debt. My score went to what it was at over 50 % debt ratios. How that works, It was a transfer again. Can someone explain why credit reporting agencies are allowed to do whatever they wish, no rules. Like you get these many points for this activity, that many for this or specific number taken away. Even when checking credit crazy high amount of points were taken away a year worth of it. Agencies will tell you you can't dispute credit score, but this is unethical practice. If Consumer Financial Protection Bureau ( CFPB ) can address that that would be great. There has to be the way to regulate credit bureaus. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's is an unknown address and name on my XXXX credit report associated with a fraudulent collection claim by Credence Resource Management , LLC. The collection claims that I did not pay XXXX XXXX {$1600.00} for the duration of XX/XX/2020 to XX/XX/2020. However, I was not an XXXX customer during that time frame. I reached out to XXXX myself, and they confirmed that this unpaid account used the fraudulent NY address that is found on my XXXX credit report. I have never lived at this NY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEND A CERTIFIED LETTER TO XXXX ABOUT A COLLECTION COMPANY XXXX XXXX THAT IS SHOWING ON MY CREDIT REPORT 30 DAY LATE PAST DUE 120 DAY LATE AND I TOLD THE GUY THAT THIS COLLCTION COMPANY CAN NOT REPORT A PAST DUE OR LATE PAYMENT THEY OR NOT THE ORIGINAL CREDITOR AND THAT IT IS VIOLATION OF FDCPA AND I WANT THE ACC TO BE DELETE IMMEDIATELY AND HE DID NOT WANT TO DELETE THE ACC AND IT HURTING MY SCORE AND I CAN NOT GET A HOME
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I'm sending you today this CFPB complaint to let you and the credit reporting agencies know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} 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 FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Credence Resource Management XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Dear Credence Resource Management, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question. 
I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 
2. Verification that you are licensed to collect debts in my state. 
3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. 
4. A complete payment history, detailing all payments made and any credits applied to the account. 
5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 
Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 
Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX
Product: Mortgage

Reached out to Selene Finance for options. Applied for a modification and heard absolutely nothing from them. Asked for a reinstatement quote. They sent the quote and the directions for sending it by wire transfer. They told me it must be done no later then XX/XX/XXXX. Sale date XX/XX/XXXX. On XX/XX/XXXX Sent the wire transfer per their instructions. Called that morning to give them the receipt number and to confirm receipt. I was told it would take XXXX business days. Called on XX/XX/XXXX to confirm receipt. Was told it had not been credited. Call on Monday XX/XX/XXXX again was told it had not been credited. Called XX/XX/XXXX was told it was credited and to resume monthly payments on XX/XX/XXXX. 
They sold the house on XX/XX/XXXX in a foreclosure sale. With no notification. on XX/XX/XXXX I received notification that the money was sent back to the account from our bank. I immediately called Selene and was told to send them a copy of the transaction. But that the house was sold. Emailed them that day with copies for all records and was told that a XXXX would get back to me. I to this day have not received a call from XXXX. I reached out to the foreclosure attorney that handled the sale. They were the only ones who gave me any information about what was going on. XXXX XXXX XXXX then put a hold on the closing after I sent them everything, I sent to Selene Just before XXXX I reached out again to the foreclosure attorney, and they said they were having difficulty getting answers from Selene as well. They again reached out to Selene and were told their services were not needed that the loan was reinstated. The attorney for XXXX XXXX group then asked me if I paid Selene because they were no longer handling the account. I had not heard anything at that point and had not sent any money. It is now XX/XX/XXXX And I still have had NO contact with Selene or any updates to the account. I have no idea if the account is reinstated officially. I have nothing. I have reached out to them and have been told that the XXXX will get back to me. Still no call, No mail, No email, Nothing. I don't know if the house is sold because I have only heard by a phone call that it was on hold. No official paperwork. No request for the reinstatement payment. Not sure what to do next short of hiring an expensive attorney that I don't have the money for. What do I do next. Do I have any legal rights?
Product: Credit card or prepaid card

Between XX/XX/XXXX and XXXX, 2021, about {$350.00} worth of charges were made on my credit card at highly suspect merchants. These included nearly {$140.00} for pizza ( I have lactose intolerance ) and three separate small charges at air vending machines for tires ( I do not own a car ). My card was not stolen, but I believe my card number was duplicated as at least one of the merchants mentioned a physical card was used ( XXXX  ). My bank, Bank of America, has stated after nearly a month of being in " investigation, '' that they are denying my fraud claim. The reason they gave is that a card was present for each of these transactions. The list of fraud charges are below. The most striking part I notice is the three separate small charges at air vending machines, and a soda vending machine. These are all small amounts, typically used to test a stolen card before making bigger purchases. 

XXXX XXXX Wa " XXXX '' [ Phone XXXX ] XX/XX/2021 {$140.00} Note : I spoke with XXXX, Store Manager. She said fraud is pretty common at this store, and they have seen chip fraud. They had not been contacted by BofA at all. 

XXXX XXXX XXXX XXXX WA XX/XX/2021 {$10.00} XXXX XXXX XXXX XXXX WA XX/XX/2021 {$2.00} XXXX  [ Store XXXX XXXX XXXX XXXX, XXXX ] Card was used at XXXX at the electronics register XX/XX/2021 {$55.00} XXXX  XXXX XXXX WA [ Phone XXXX ] XX/XX/2021 {$130.00} XXXX  XXXX XXXX XXXX XXXX WA XX/XX/2021 {$1.00} XX/XX/2021 {$1.00} XX/XX/2021 {$1.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was marked as late on XXXX XXXX ( Auto ) account XXXX. I do not think I was late per the attached dispute letter sent. I am asking for this matter to be looked into again and more specifically how your company investigated this information with XXXX XXXX. SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is 2021 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me!

I have a copy of my reports but I dont know what to do with the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.
Product: Mortgage

This is a continuation of my previous complaint OMB # XXXX XXXX after further review of Wells Fargo website. I found the information concerning the disaster assistance programs that states they offer enhanced payment options based on individual needs. This statement infers there are additional programs other than a moratorium that would have been a better option. In addition it also states they offer a 12 month repayment plan for arrears ( at that time would have been equivalent to XXXX - XXXX payments ) was never offered even when we were told we did n't qualify for a modification. We were initially told the first attempt it was because not enough time passed since the previous modification but we were encouraged to try again so we did and was denied again. A few months after the second denial I attempted again and was told their findings were that our home was affordable ( We make too much money ) and we do n't qualify for a modification and that we would have to show a reduction in income to be considered for any type of assistance. We never said we were having financial hardship due to income it was due to the flood and the fact that we had some minor damage to our home and lost a vehicle at that time. So I continued to periodically check in with Wells Fargo for any new programs or assistance only to be told that we would never get any other assistance with our mortgage and to basically short sale or deed in lieu. The inconsistency of information leads me to ask are the employees at Wells Fargo certified on UDAAP policies and procedures. Our loan escalated from a disaster assistance program recipient to foreclosure referral. As our loan servicer Wells Fargo has a responsibility to provide full disclosure and agreement when changing the terms of a loan ( which I believe a mortorium falls under this category ) if you allow or encourage consumers to skip XXXX payments knowing this puts them at great risk for default without offering a resolution at the end of the assistance is willingly putting consumers at risk for losing their homes. We pray for quick resolution and the opportunity to remain in the home we 've been raising our family in. Wells Fargo please make this right.
Product: Debt collection

I received a copy of my credit report and recognized there was a Capital One credit card on my account that was not mine. I reached out to Capital One to notify them of this account is fraudulent and I did not open it or give anyone authorization to use my information. They claimed to conduct and investigation but did not provide me with the validation and the verification I requested. They also did not give me their method of investigation ; who did they talk to, their names, and was they present during this transaction which is my rights. They failed to provide this information and continue to report this fraudulent account to my credit report.
Product: Checking or savings account

I am writting to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds with when transactions weee authorized. 
I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

I have attempted to dispute this fraudulent XXXX XXXX XXXX account with Experian multiple times, and they refuse to remove it. This account does not belong to me. I am a victim of identity theft. I now have IN WRITING, a letter from the original creditor directly, stating this account was fraudulent and they have requested it be removed. The name on the account ISNT EVEN MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts where XXXX  deleted XXXX dba accounts number XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts where previously deleted in XXXX XXXX then after 4 months I received a letter from equifax stating the all previously deleted where back on my credit report .. equifax also violated my rights under 15.U.S.C. 1681 section 604 A section 2 The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. they also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( e ) : The cleary states the credit bureus have 5 days to notify me from when they receives my disputes. they also violated my rights under 15 U.S.C. 1681 section 611 ( 5 ) ( a ) ( l ) ( i ) the law cleary states if items are are found inaccurate or can not be verified the consumer reporting shell promptly delete the information from the file of the consumer.