23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX UNKNOWN ACCOUNT # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I reached out to Ally financial after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new jeep lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from Ally Financial for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first Ally Financial statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to Ally Financial to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are reporting inaccurate information. My credit score should be in 700 's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is allowing World finance to constantly report misinformation I am not in bankruptcy and I did not insert a world finance debt in a bankruptcy for 3 yrs world finance has reported negative inaccurate information and Im tired of it. if this world finance account is not completely removed with all its remarks in the next 24 hrs i will proceed with a lawsuit involving not only World Finance but XXXX  and XXXX  as well for over 60 days i have submitted documents showing there is no bankruptcy on file anywhere for me and the documents showing the inaccurate and reporting world finance have been reporting for 3 years. I have also pointed out to the bureaus and world finance that the Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.

IM REQUESTING ONE LAST TIME THIS WORD FINACE ACCOUNT BE DELETED AND ITS REMARKS BEFORE THIS RESULTS IN A SERIOUS LAWSUIT
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote you before asking for proof that I didn't cancel this insurance from XXXX XXXX I called and cancelled this policy before it came past due credit collection service responded they couldn't find this account I needed to send them the original letter they sent me. I have a copy of that letter. If they can't prove I didn't call and cancel they need to delete from all credit reports today
Product: Credit card or prepaid card

Hello, In XX/XX/XXXX, I called Bank of America because I noticed a fraudulent transaction on my account of {$87.00}. I called my bank and they were able to see this merchant " XXXX XXXX '' in XXXX has made 3 other transactions since XX/XX/XXXX. I was unable to catch on to the previous transactions because they were small amounts that I did not catch on to. Bank of America refunded me a total of {$330.00} for these charges. I did not authorize anyone in XXXX for these transactions and I was not in XXXX, nor have I been out of the country. The fraudulent transactions were for the amount of : Claim # XXXX XX/XX/XXXX : {$66.00} XX/XX/XXXX : {$77.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$66.00} In XXXX, I got a message from Bank of America stating that these transactions will be taken out of my account because there was a delay in reporting the fraudulent transactions. Again, I called them in XX/XX/XXXX when I saw my bank account with a charge of {$66.00}, that is when the representative notified me about the previous amounts that the merchant used my card for. My bank said in order for me to get my money back, I needed to fax in a written statement stating I did not make these charges. I faxed over my written statement and it was in the process of review. 

On XX/XX/XXXX, I got a message from my bank stating my claim was denied. I called the claims department and the supervisor said there is nothing they can do and they would deduct the funds on XX/XX/XXXX out of my checking account. 

Bank of America is denying my claim of {$330.00}. I was not in XXXX and did not authorize those charges. Please help me get this resolved as I work hard for my money and these were absolutely fraudulent.
Product: Money transfer, virtual currency, or money service

I was trying to load money onto my XXXX XXXX  card but kept coming up that transaction has been denied. Thinking it was Bank of America that blocked the transactions due to fraud, I called to have them approve of the XXXX XXXX transactions. Which was just loading the XXXX XXXX card with {$250.00}. Next thing I know, {$3000.00} was taken from my account and was transferred through XXXX to someone I do not know and Bank of America said because it was a XXXX transfer that it goes through immediately and there was no way for them to stop the transaction. This happened XX/XX/XXXX, today is XX/XX/XXXX. Ive yet to get this issue resolved. BOA said they can not refund me the money because it was sent to an email they could not trace. Im heartbroken. Ive been with the bank since XXXX. Nothing they can do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/18 i sent a dispute to equifax in regards to a incorrect reporting on my credit report. this debit is not mine. so how can they have validated this debit. i still have not received a response from the creditor or any supporting documents from equifax in regards to this debit beside a credit report updated that list the debit as accurate. its is a false reporting and equifax has not fixed it. i was giving no knowledge of this debit before it was placed on my credit report.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my Equifax credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unjustly impacting my credit profile, and I am demanding immediate corrective action. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I am not requesting a generic notice that an investigation has been completedI demand a full and transparent explanation of every step taken in this investigation, including what sources were contacted, what documentation was reviewed, and how each disputed item was verified. Given Equifaxs documented history of noncompliance, I will not accept any superficial or automated verification process. 

I expect Equifax to take this dispute seriously and ensure full compliance with FCRA regulations. Any failure to properly investigate and correct these inaccuracies will leave me with no choice but to escalate this matter further.
Product: Credit reporting or other personal consumer reports

The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card or prepaid card

Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX  Subject : Inoperative Alarm w/ over 20 messages from ( XXXX ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You Are Dissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms. XXXX XXXX XXXX ( XXXX ). My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. On XX/XX/XXXX the front door had set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences
Product: Debt collection

Account Control Technology began calling my office in XXXX XXXX looking for someone with a name similar to mine. I informed them that I was not the person they were looking for. Subsequently, I had missed calls from them each month thereafter until XXXX XXXX, XXXX, when I again spoke to them. I again verified that I was not the person they were looking for, and verified that the birthdate and other personal information they had on file was not mine. I asked them to remove my work information from their records and cease any further attempts to contact me regarding this collection. 

On XXXX XXXX, they submitted an Order of Withholding from Earnings to my employer, claiming that I owed {$23000.00} for a default student loan. 

The debtor 's home address and social security number listed in the order are not mine. 

I wish to file a formal complaint against : Account Control Technology XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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 reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the erroneous information on my credit record that came about due to an alleged fraud. The following items needs to remove on my file : XXXX XXXX HXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX.
Product: Money transfer, virtual currency, or money service

Nevada State Bank responded to my original complaint XXXX with asserted facts that were blatantly incorrect, misstated, and/or misleading and CFPB accepted at face value the Bank 's response without exercising due diligence and good judgment as to the veracity of these assertions made by the Bank. For example, Bank asserts " no other customers experienced this issue '' and I can attest to being told by Bank personnel on several occasions that there were, indeed, many other such instances of similar wire frauds that occurred at the same time with other Bank customers. To dismiss my original complaint based solely on the response from the Bank is both a travesty of justice, as well as an insult to the principles of consumer protection, which the CFPB is supposed to uphold. I reject the Bank 's response, both for its lack of veracity and blatant disregard for any repercussions of misleading the CFPB. Additionally, I make a formal request to have the CFPB 's initial actions reviewed by its upper management to rescind the closure and initial a reopening of the original complaint. Thereafter, the Bank should be required to show proof of its basis for its positions relative to their actions taken, as well as substantiating their factual summaries.
Product: Checking or savings account

I called XXXX  toll free number to open an account over the phone being that online it was asking me to visit the branch. I told them I am XXXX  XXXX with XXXX  XXXX XXXX XXXX. They turned me away and told me they couldn't help me. I feel like I was discriminated and they should have XXXXXXXX XXXX laws to help those who can't make it to a branch.
Product: Credit card

I am writing to dispute and request the immediate blocking of inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC section 1681c-2 ( Blocking of information resulting from identity theft 605B ). 

Account Information : Creditor : XXXX  Account Number : XXXX Credit Bureaus : XXXX, XXXX XXXX XXXX Discrepancies : XXXX Opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX High Credit : XXXX : {$840.00} XXXX XXXX {$0.00} XXXX : {$800.00} XXXX XXXXXXXX : XXXX : {$700.00} XXXX XXXX {$0.00} Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Given these discrepancies, I demand that the item be blocked immediately. As per the Fair Credit Reporting Act ( FCRA ) 15 USC section 1681c-2, you are required to block this information within 4 days of receipt of this communication. Failure to do so within the 4-day period constitutes a reason to promptly delete the information from my file, as per FCRA 15 USC section 1681i ( 5 ) ( A ).

Please investigate these matters and correct the information on my credit report promptly. I have attached copies of my credit report with the highlighted errors and supporting documents. 

Thank you for your immediate attention to this issue. I expect a response and resolution within the timeframe specified by Federal Law.
Product: Checking or savings account

I have attempted to open up several business accounts with Navy Federal.

Accounts I wanted to open : - Checking Account for my credit monitoring company " XXXX '' ( XXXX ) - XXXX XXXX XXXX XXXX, - Checking Account for my corporation that provides business services to other businesses for example to help minority owned corporations file for their LLC 's, EIN 's, and Help them write business plans, and Corporate structure documents- XXXX XXXX XXXX XXXX Navy Federal is refusing to open the accounts and wont give me a reason why. 

These are minority owned ad focused businesses and we believe that Navy Federal is discriminating by not opening an account and then not giving a reason why.
Product: Checking or savings account

In XX/XX/2021, I had become a victim of Identity Theft. I learned that 4 accounts ( 2 savings and 2 checking accounts ) had been opened in my name via XXXX XXXX. Working with the FTC and XXXX XXXX, those accounts were deemed to be fraudulent and have since been closed. 

in XX/XX/2021, I have learned that 2 account ( 1 checking and 1 savings ) had been opened in my name via The Huntington National Bank in Ohio. I called and spoke to a customer rep and they stated someone would be calling me to speak with me within 24-48 hours. I did not hear from anyone so I called again. The gentlemen I spoke to stated that the accounts were in the process of being closed. The following day, I received a letter that shows the accounts are still open.

I do have a credit freeze and fraud alert on my credit to help this from happening again, XX/XX/2021 I send 2 letters for each account with my statement via the FTC asking those accounts be closed as they are fraudulent. 

XX/XX/2021, I still have yet to hear from anyone from Huntington Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report today XX/XX/2020 because I'm thinking of refinancing my mortgage soon, however, I saw two accounts that aren't mine. The accounts are from XXXX XXXX  XXXX for {$140.00} and XXXX XXXX for {$550.00}. I did not open those accounts nod am I affiliated to those companies in any way. I have never allowed anyone to open these accounts using my personal information nor did I benefit anything from these accounts such as money, goods, services or anything else and I did not have anything to do with any payments that might have been made towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Money transfer, virtual currency, or money service

All Monies reported to be refunded. 
All Monies to be returned.
Product: Mortgage

I have a loan that was purchased from my original loan company by Amerihome. I signed up for automatic budget drafting ( twice monthly payments ). Amerihome sent me paperwork that my account was set up and ready to go. My first payment with debited from my account on XX/XX/XXXX as per the paperwork. Then WITHOUT ANY NOTICE, my automatic withdrawal was cancelled. The XX/XX/XXXX payment was not made as well as the XX/XX/XXXX payment. I called Amerihome and waited on hold for over 2 hours. The man who answered said someone would contact me within 48 hours. No one ever called. I called back and waited on hold for another hour and the person still could not answer why my account was cancelled. I had to call back again and wait on hold again. Payment was made in full at this time. 

I am still being charged late fees. 

Amerihome said I had to be paid a month in advance to do the budget drafting. No one can or will answer what happens to this extra payment. Is it applied to my principal? Are they just holding my money with no interest? I think this practice is extremely under handed and not above board. It is more so because no one will answer my question. 

Grand total, I have waited on hold with Amerihome for over 9 hours. I have sent 5 inquiries to their online/email and still do not have resolution or a response. 

I have filed a complaint with XXXX  to get my credit score fixed, as they dinged my credit for THEM cancelling a automatic debit that had been started. 

The customer service, training of the team, and response time is unacceptable and pathetic.