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

On XX/XX/year>, while reviewing my credit report from XXXX, XXXX, and TransUnion, I discovered several unauthorized hard inquiries. These inquiries were made without my consent or knowledge and may negatively impact my credit score.

Actions Taken : Notification to Credit Reporting Agencies : In accordance with the Fair Credit Reporting Act ( FCRA ) USC Code 1681i, I have submitted disputes to XXXX, XXXX, and TransUnion. I have requested a thorough investigation into the unauthorized hard inquiries and the prompt removal of these inquiries from my credit report. 
Direct Contact with Companies : I have also directly contacted the companies associated with the unauthorized hard inquiries to inform them of the unauthorized nature of these inquiries and request clarification. This action aligns with the requirements outlined in the Fair Credit Reporting Act ( FCRA ) USC Code 1681s-2 ( a ).

Additional Information : Relevant USC Codes : Fair Credit Reporting Act ( FCRA ) USC Code 1681i : Procedures for Reinvestigation of Disputed Information Fair Credit Reporting Act ( FCRA ) USC Code 1681s-2 ( a ) : Responsibilities of Furnishers of Information to Consumer Reporting Agencies CFR Codes : 12 CFR 1022.43 : Duties of furnishers of information to consumer reporting agencies regarding the accuracy and integrity of the information furnished
Product: Debt collection

I had a conversation in XXXX of XXXX where I contacted XXXX and XXXX after repeated phone calls. On a recorded line I told them I was willing to set up a payment arrangement to resolve the debt. I was told that there was a garnishment action with an upcoming court date in XXXX XXXX, Virginia and that the court date was for the creditor and judge and I was not authorized to attend the court proceeding. I was told the hearing was not for me and was between the creditor and judge. ( There is a recorded phone call of this and notes from this conversation in their date base ). I was told to call back in XXXX of XXXX and set up a payment arrangement. I called back in XXXX of XXXX and left multiple voicemail messages and did not receive a call back. 

The garnishment suit in XXXX XXXX, Virginia was dismissed. Subsequently. in XXXX of XXXX my account with XXXX XXXX Bank was garnished for {$2300.00} without me having any notice of legal proceedings against me in XXXX, Virginia. I received no notice of a court proceeding. 

They have phone records of the XX/XX/XXXX phone call and notes from this conversation. The notes were read back to me on XX/XX/XXXX by a representative XXXX XXXX. When I raised the legal issues with XXXX XXXX, I was placed on a phone call with an attorney XXXX who I spoke to for over an hour. I was told that under the Virginia code that I didn't have to actually receive notice and that my bank account being garnished was " notice enough ''. I raised the issue of this garnishment action violating my due process rights and was told my due process was not violated. 

When I continued to raise the issue that I would have attended a court hearing in XXXX XXXX, I was told " well this was dismissed '' and it " does not matter. '' My overall point was that I could have resolved this a year ago and not had my bank funds seized as a father of XXXX taking care of XXXX kids. As the call ended, I was told " I am not sweating as much as you think I am. And I hope you are able to have a good day. '' in a very condescending tone. 

This whole matter could have been resolved 10 months ago, the initial case in XXXX XXXX was dismissed. I was provided legal advice by a representative of XXXX and XXXX not to attend a hearing and had my bank account garnished without justification. XXXX and XXXX is a law firm that specializes in legal matters beyond debt collection as displayed on their web site. They provided me legal advice that has created an adverse impact on me.
Product: Credit reporting or other personal consumer reports

I send two dispute letter to Experian with XXXX tracking and they have never respond to me yet. These letters are formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my attach letter for the information that needs to be investigated. 

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer Credit report : I have recently been informed that there are negative information and collection accounts reported by the following creditors or agencies in a file you maintain under my social security number. Upon receiving a copy of my credit report, I see the following entries listing charge off and owed amounts : 1. ACCOUNT NAME NOT LISTED XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XXXX XXXX. Inquiry : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX
Product: Checking or savings account

This check was cleared without my endorsement. This was done through Wells Fargo 's " mobile deposit. '' I have made many phone calls to XXXX regarding this issue, and they acknowledge that this should not have been deposited without a signature by both parties at the bank. 

They verbally acknowledged that this is a " loop-hole '' since it was done through their mobile deposit system during the beginning of the pandemic. 

They have never sent me a written statement regarding the outcome, only a verbal statement by their employees that I will have to take the party to court.
Product: Credit reporting or other personal consumer reports

this XXXX fraudulent account, XXXX XXXX XXXX XXXXXXXX for XXXX, ive had problems wuth identity theft .this account was open with open with out my permission, i do not have knowledge of this account, i want this account removed from my credit report immediately, im filing this ftc identity theft report because my identity and all my information has been leaked on the dark web, i do not owe XXXX and i ask that this account be removed and deleted off my credit report, this collection had harassed me before this account they its fraud and i want it blocked from credit report i am a victim of identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX XXXXXXXX experian, XXXX, XXXX XXXX XXXX experian, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN
Product: Bank account or service

I have been trying to remove my name from my daughter 's account and the Bank of America has made it impossible. My daughter lives in a different state, the bank said we need to go to any branch together to remove my name. We did this but the bank refused to remove my name because they had no Notary on staff. We called 4 different banks in our area and none of them had a notary available. We have been trying for about 4 months and my daughter has come to CT 9 time trying to get this done. But all the banks said they can not do it. I called the main number explaining the situation and they said they would remove my name. That was about six weeks ago and my name is still on her account.
Product: Credit card or prepaid card

I've been incarcerated at the XXXX XXXX XXXX XXXX at XXXX. XXXX  XXXX XXXX, OK XXXX in the Oklahoma Department of corrections since XX/XX/XXXX at no time did I ever apply for the Guitar Center Credit Card Synchrony Bank. I've been a victim of Identity theft, at no time was this credit card sent to the above address on file. I've disputed this item with synchrony bank two times, both times I was denied. On XX/XX/XXXX the 2nd was just denied to too the fact the company says its a valid claim without doing a proper investigation with would clearly shows that I've been incarcerated in the Oklahoma Department of corrections which can easily be verified had the investigators properly took my situation seriously then there would've been no doubt that from the record it will show that I could not had applied for this account, that I was a victim of Identity theft. I have attached documents that shows when I stated my time, a copy of my prison ID, a Letter from my case manager from the Oklahoma Department of corrections, my 2nd dispute letter in reference to my dispute.
Product: Credit reporting or other personal consumer reports

List of hard inquiries Im trying to remove 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
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I can not understand why it is there. I checked my report as usual, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was just a glitch, but it wasnt. The issue remains unresolved, and I demand a thorough review of the documents Ive provided so this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called multiple times XXXX XXXX with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to Equifax theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obligates us to remove any erroneous accounts from my credit report. Could you please verify the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking them, I found that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require 3 credit reporting agencies to verify ( A ) these accounts. Failure to verify these reporting accounts as unverified without providing evidence within the legally mandated deadlines is unacceptable. My credit report contains the following incorrect information that needs to be investigated and corrected. 
XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXXBalance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I opted out of XXXX XXXX XXXX XXXX, I completed all documents that they are not to report on me and to remove me from there system and affliates as well such as third parties etc they use. 
They continue to share my informationa and report about me which is XXXX percent of the time inaccurate. 
I requested information from XXXX, Equifax and XXXX regarding what was reported by XXXX XXXX and copies of the documents they are basing the information that they are reporting on the bureau about my credit worthiness and still nothing. 
I have went back and forth with them about inquiries that were not authorized by me, that companies which include XXXX reporting hard inquiries or allowing XXXX XXXX to place multiple inquiries on my report which hit me hard and they refused. They keep sending me the same generic response that its been checked and remains. 

Recently, they reported I was over my limit on a Credit Card ( XXXX XXXXXXXX ) which I was not, by {$11.00} and said that was the reason my score dropped XXXX pts that it obsered. My history is good, my payment history on time, no lates nothing my usage is 17 % they don't comply to request they do whatever they wont. I was in the middle of a refinance and my score was XXXX and when they supposedly rec 'd notice that my credit card was over the limit by {$11.00} XXXX dropped score to XXXX and Equifax dropped it from XXXX to XXXX and XXXX dropped it to XXXX all for the same thing over the limit which I have uploaded and spoken to the credit card company who say they have notified them its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the accounts  XXXX/XXXX XXXX****, XXXX  XXXX****, with Transunion and XXXX  for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has confirmed that they received all of my documentation and my request to have adverse information as a result of XXXX XXXX  deleted from my account well over 4 business days ago. They are claiming to still be processing my request and they dont know how long itll take. According to the laws outlined on the CFPB website, credit reporting agencies MUST block adverse information in regards to XXXX XXXX within 4 business days, even if they are still reviewing documents. They have 25 business days to review their documents. 
I was told by an Equifax rep that there are attorneys in the office of consumer affairs that have advised them that what they are doing is in compliance with the law. I have called multiple times and spoke with multiple people who have told me that the issue would be resolved by the end of the day and this never occurs. Equifax requested additional information from me, of which I provided. I am being told by a representative that once I submitted the requested information, it started my 4 business days all over again. This is NOT in compliance with the laws regarding XXXX XXXX.

This process has caused me to miss an opportunity to obtain housing. I am sleeping outside, and also on the run. I am not safe.

This is willful negligence on Equifaxs behalf and I am ready to take this to the furthest extent of the law.
Product: Bank account or service

My Wells Fargo checking account suddenly began charging me a $ XXXX monthly fee. I have been a WF customer for decades ( several checking accounts, investment account and IRA account ). Nothing changed on my end. The balances did not drop below any figure a WF agent was able to identify for me. No accounts were changed. The amounts in my accounts in total are substantial and certainly exceed any possible minimums. The agent said the fees would be refunded. But, could this be another fraudulent strategy on the part of WF that is widespread at {$30.00} per customer per month ( for those that do n't notice! )?
Product: Debt collection

Here is a copy of the letter that was sent on XX/XX/XXXX and recieved by XXXX XXXX on behalf of XXXX XXXX at XX/XX/XXXX at XXXX am according to the us post office records and no removal or response has been made as of XX/XX/XXXX at XXXX est. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC [ XXXX ] XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX Regarding Account : # XXXX Reference ID : XXXX Cease and Desist Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you, RESURGENT CAPITAL SERVICES, in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums, Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor, and I am demanding all of the following : XXXX. XXXX out the balance on this account. 

2. I do not give RESURGENT CAPITAL SERVICES, permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ). 

3. I do require you, RESURGENT CAPITAL SERVICES, to immediately remove information about this alleged debt from my XXXX, XXXX, and XXXX credit report which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).

4. I do require that you, RESURGENT CAPITAL SERVICES, satisfy demands within 14business days. Pursuant to 15 USC 1692c ( c ), this cease and desist notification shall be complete upon receipt.

5.7. Pursuant to 18 USC 8 all debt is the obligation of the United States of America I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. ( 28 U.S.C. 1746 ) Executed on 06/28/2022 Without Prejudice By : XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX
Product: Debt collection

This debt was from over 2 years ago, why am I just being notified of a debt I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of fraud for the account ending in XXXX. Bank of America initially didn't accept it as a fraudulent claim when first reported in XX/XX/2022. The account was closed, the balance remained open and payments that were not made were recorded as missed payments on my credit report and the account was charged off. The fraud claim was accepted a year later but the missed payments and charge off was not removed from my credit report. I reported the inaccurate information to XXXX and XXXX but Bank of America stated that the incorrect information was correct. After reaching out to Bank of America over the phone regarding the matter I was transferred 6 times and the matter has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian and XXXX XXXX on XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. To my understanding, they are supposed to respond within 30 days, but they have not.
Product: Debt collection

I had a credit card with XXXX  XXXX, they sold the account to a debt collector and they keep emailing me after I have told them to stop. The company has also called numerous times. I told them my contract was with the original creditors and to stop contacting me.
Product: Checking or savings account

I had not received US Banks response-They sent 2 CONTRADICTORY letters 2 DAYS APART TO CONFUSE. I NEED FINAL LETTER AND REIMBURSEMENT-I FILED XXXX  DISPUTE TIMELY, WithIN 60 DAYS ACCORDING TO BANK, AND HAVE US BANKS LETTER AS PROOF THAT IT WAS FILED TIMELY. 
I emailed XXXX Branch Manager proof that I reported dispute timely and she called the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial Inc. has agreed to a settlement worth {>= $1,000,000} benefiting consumers who received notices from Ally that failed to comply with state requirements. 

Two Classes have been established : Nationwide Class : Anyone who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 
Missouri Class : Anyone who obtained a Missouri Certificate of Title from a motor vehicle identifying Ally Financial as the lienholder as a result of entering into a Covered Contract, or who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner with a Missouri address in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 

Ally also has agreed to no longer seek collection on a portion of any deficiency balance reflected as outstanding in Allys records after Ally repossessed and sold the property. 

The value of this benefit, called the Gross Deficiency Waiver Amount, will be at least {$700.00} XXXX. The amount of the waiver will vary for each Class Member, but it will be the amount of their deficiency balance or {$1300.00}, whichever is lower. 


ALERRRRRTTTTTTTTT!!!!!!! 
In addition, Ally Financial has agreed to stop occurring finance and late charges on Class Members deficiency balances as of the settlements effective date, and will request that XXXX, XXXX, and XXXX delete trade-line information on Class Members credit reports that is related to their Ally account that is subject to this settlement. 

FOR MORE INFORMATION VISIT THE WEBSITES : http : //www.allynoticeclass.com and XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX