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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is consistently allowing my credit report to be negatively impacted by an illegal report. The report is for XXXX XXXX. The time to collect the debt has elapsed. It has been more than six years and even when I told Equifax this more than once they still won't erase it. No one is reporting this, but Equifax. It doesn't show on XXXX, or any other credit report. There is also an address on my credit report that does not belong to me.
Product: Debt collection

I am submitting this complaint regarding the unlawful and fraudulent reporting of a collection account by Prince Parker & Associates on my credit report. The details of the disputed account are as follows : Collection Agency : Prince Parker & Associates Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$740.00} Date Opened : XX/XX/year> I, XXXX XXXX, am the victim of identity theft, and this fraudulent collection account is a direct result of that crime. I have no knowledge of this debt and have never entered into any contractual agreement with eitheXXXX XXXX XXXX XXXX XXXX XXXX XXXX or Prince Parker & Associates regarding this account. 

Upon discovering this fraudulent account, I took immediate action by submitting a formal Identity Theft Affidavit and an FTC Identity Theft Report to Prince Parker & Associates, requesting the immediate removal of this account from my credit reports. Despite providing sufficient documentation, the company has refused to honor my claim, failed to conduct a proper investigation, and continues to report this fraudulent debt to the major credit bureaus.

This failure to investigate and correct the reporting of a fraudulent debt is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I have verified with the Illinois Department of Financial and Professional Regulation ( IDFPR ) that Prince Parker & Associates does NOT hold a valid debt collection license in the State of Illinois, making their collection activities unlawful within my state of residence.
Product: Credit reporting or other personal consumer reports

My credit report is negatively affected because the agency XXXX XXXX XXXX failed to warn me that I was owning {$570.00}. I paid off my car loan on XX/XX/XXXX but it wasn't until XXXX of XXXX that the company informed me that I was behind on the said {$570.00} bill. When I settled my account on XX/XX/XXXX, I was assured that my bill with XXXX XXXX XXXX had been fully paid and that there was no balance. 
I paid off my loan with XXXX XXXX XXXX XXXX in XXXX but the credit union waited until XX/XX/XXXX to close the account and reported me to the credit bureau. In fact everything on my credit report is wrong and I want it removed.
Product: Debt collection

I had reviewed my credit report and saw a collection listed on my credit report for Wakefield and Associates. I had sent a letter to the address listed on file for their agency on XX/XX/2024 requesting them to validate the debt and as of today, XX/XX/2024 they have not responded to any of the requests in the letter. I contacted the agency by telephone and they indicated they have no information concerning the debt. I disputed the collection account with the credit burea as it is currently listed on my XXXX Credit profile and the Credit Bureau is saying the debt was verified with the collection agency.
Product: Debt collection

They have ignored my requests for proof of debt I know I never incurred it. {$890.00} ive asked them countlessly to take it down they can not send me any information about how it was made the original that I did not make the debt I am 100 % sure of that and I have continuously tried to address this over the years and now theyre trying to say that the date has reset in now its back to being brand new and still in my account for seven more years Ive been dealing with this for six this is ridiculous I dont even know where this debt came from
Product: Credit reporting

My credit is frozen with all three credit reporting agencies, but on XXXX XXXX 2015, XXXX XXXX issued me a brand new credit card. I sent letters to all three credit reporting agencies asking how it was possible for me to get a credit card when my credit is frozen and they responded with " There is an Active Security Freeze on your credit file. '' They did not answer my question. I want to know how it is possible, if there is an Active Security Freeze on my credit file was it possible for me to get a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, Capital One withdraw {$800.00} from my account. It wrote : Adjustment Debit- Adjustment to correct error. After further inquiry, They were not be able to provide the withdraw slip. They said that on XX/XX/XXXX someone withdraw {$800.00} and was credit to the wrong account. They said that the correct account was my account and they withdraw the money from my account. I contacted the customer service and they said that they can not provide me additional information. They said, it was a join account and my partner withdraw the money but they did not give any proof.
Product: Debt collection

The collection company, on XX/XX/XXXX, requested payment of a debt via e-mail. The link provided requires a convenience fee to be paid if the payment is not via echeck. I called and spoke to XXXX on XX/XX/XXXX. XXXX stated this fee was legal in all 50 states. I asked for the original signed agreement, and XXXX said I would have to request it in writing. XXXX only agreed to send the emailed bill via the mail. 


The employees at crunch called multiple times to collect on this alleged debt. Even after I told them I would not be paying it at this time. I spoke with employees about canceling the membership multiple times, and they said they would help me with it only after I paid the debt. spoke with a man and woman with what I believed to be an XXXX accent. Throughout this process, I feel the attempt at collecting this debt has been unfair and the company stating they would only help with cancellation after payment of a debt is completely unfair and deceptive.
Product: Mortgage

In XX/XX/XXXX just after we were hit with hurricane Beryl, which knocked out power to both my home and business, I contacted SPS Servicing about mortgage assistance. We were having to spend money to stay elsewhere and eat out while my business was closed for two weeks and unable to generate any income. I spoke to three different people over at least two different phone calls regarding this. I was told to stop payment on my auto pay that had already been generated or else they couldnt enter the deferment. I stopped payment as directed and then called them once this was done, as instructed. At no point was I ever told if I accepted the assistance that I would 1 ) be required to pay all three mortgage payments at the end of XXXXXXXX or 2 ) that I would have to requalify for my mortgage. I emailed my relationship manager, XXXX, about a week after this occurred to ask questions about when the payments would be do, etc, but received no response. I wasnt until I received a letter in XXXX that I learned I would owe three payments by the end of XXXX. Had I known this, I would have never accepted the mortgage assistance. I completed the application as instructed, apparently to requalify for my own house, and I checked the box that I receive a paycheck from a company because I do. I then supplied all requested documents, many of which applied to someone who is classified as self employed. I sent 16 emails between XX/XX/XXXXXXXX XXXX XXXX only to log into the portal each time to see they were still missing items. Meanwhile they were reporting me delinquent to the credit bureaus. Prior to all of this I had a 100 % perfect payment history with them and also with the previous servicer. In addition to the emails, Ive spent hours in the phone. I have repeatedly explained I am an employee of the corporation I own. I have repeatedly sent in check stubs, my W-2, and my tax returns, all showing my designation as an employee only to be asked again and again for documentation relating to being self employed, including my Profit Loss statements for my business. The most curious question on the XXXX & XXXX was do the employee wages on the XXXX & XXXX below to the employee or the employer? What does that even mean? When I called they would just ask me this same question on the phone. Their ignorance and total ineptness has caused this process to drag on and on and on and my credit is being ruined in the process as they continue to report me 120 days late to the credit bureaus, all for something that 1 ) had they told me the truth about the assistance in the first place I would have never done it and 2 ) had the paperwork been processed appropriately from the beginning, this could have been resolved in XXXX or XX/XX/XXXX. In my most recent call with them last week their rep indicated this has not been handled correctly from the beginning and that I am an employee so they should have never asked me for tax forms and XXXX XXXX XXXX statements related to self employment. The next time I logged in it claimed my paperwork was finally complete - after 4 months! They have caused my XXXX XXXX to drop over XXXX XXXX
Product: Credit card or prepaid card

I've been having a problem with paypal getting my irs e.i.p on my paypal direct deposit as well as hundreds of others people that got there eip through paypal direct deposit. Irs payment tool said my eip payment was direct deposited into my account with paypal on XX/XX/2020 and its now XX/XX/2020 and still have no eip on my account or showing pending or anything. Ive tried to call paypal directly but no ones in there customer service phone number cause of corona virus. Ive tried several times to use there automated online service for customers with out no help the last message said someone would get in contact with me but no one ever did. So I went to paypal community page to try and figure out whats going on and thats where I found out there are hundreds of people having the same problem as me. There was a story of one man I believe from tennessee who went to his towns news channel to go public with his story and paypal went a head and helped him get his eip payment.So if they knew there was a problem why havent they fixed this problem cause its hundreds of people with same problem.People like me need that money to support our familys and keep a roof and food in there families stomaches.Ive also tried calling wells fargo who paypal goes through for direct deposit and was told its a middle man for paypal once they get deposits it goes straight to paypal and only paypal can access information for costomers regaurding there direct deposits.So theres nothing they can do to help us.It has to be paypal who can tell us whats going on with our deposits. As far as I can see this problem has been happening with people having deposit dates from irs portal from XXXX and XX/XX/2020 that ive seen on paypal community page of tjhere website.If irs sent and gave us a deposit date then why hasnt paypal deposited it into our accounts? If you can help in anyway id greatly appriciate it very much.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collection account opened at XXXX, XXXX, XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

A mail forward with USPS was placed in my name ( online ) and multiple accounts ( credit cards, loan, business loan ) were opened in my name through JP Morgan Chase. The activity started in XX/XX/XXXX and continued until XX/XX/XXXX. I received no correspondence and had no knowledge of these accounts until they were in default.
Product: Credit card

Dear Sir/Madam, NAVY FEDERAL CREDIT UNION is . XXXX XXXX : I am writing to file a formal complaint against NAVY FEDERAL CREDIT Union regarding their failure to return coupon remittance securities to me after these payments were not applied to my account. The details of the complaint are as follows : **Account Information : ** - Account Number : XXXX **Details of the Complaint : ** XXXX. **Failure to Apply Payments : ** On multiple occasions, I submitted payments to NAVY FEDERAL CREDIT UNION through coupon remittances securities. These payments were intended to be credited to my account to satisfy the outstanding balances.

2. **Non-Return of Securities : ** Despite these payments not being applied to my account as intended, NAVY FEDERAL CREDIT Union has failed to return the coupon remittance securities to me.. These securities represent my financial assets, and their retention by NAVY FEDERAL CREDIT Union without proper application or return constitutes a failure in fiduciary duty, and may involve the unauthorized diversion of securities, which undermines investor confidence and violates securities regulations. This is Theft and Fraud.

3. **Lack of Resolution : ** I have made several attempts to resolve this issue directly with NAVY FEDERAL CREDIT UNION including contacting customer service and submitting written complaints. However, NAVY FEDERAL CREDIT UNION has neither returned the coupon remittance securities nor provided a satisfactory explanation for their actions.

**Relief Sought : ** I seek the following relief from the Securities and Exchange Commission : 1. An immediate investigation into NAVY FEDERAL CREDIT Union handling of coupon remittance securities and the failure to return them to me.

2. An order compelling NAVY FEDERAL CREDIT Union to apply the payments to my account or return the coupon remittance securities to me promptly.

3. Appropriate sanctions or penalties against NAVY FEDERAL CREDIT Union for any violations of securities laws or regulations that may have occurred. 
XXXX. Assurance that NAVY FEDERAL CREDIT Union implements proper procedures to prevent similar issues in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Amount : XXXX Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently looking over my credit report on XX/XX/2020. I noticed that credit cards of mine are missing from my credit report file. XXXX  seems to show them but for some reason 2 XXXX XXXX  and 2 XXXX 's cards doesn't show on XXXX  and experian. I called XXXX and XXXX 's both said they reported to all reporting credit agencies. I will show you the attachments the difference between XXXX  and XXXX  and you guys can see the 3 cards that are missing. Hopefully this can be resolved as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX Bank charged off my account due to the negative balance status. I have been unemployed and experiencing hardships since XX/XX/XXXX due to the Covid-19 pandemic. 

On XX/XX/XXXX XXXX XXXX Bank submitted information to XXXX XXXX and Chex Systems claiming that my account was closed due to Account Abuse. I never abused my XXXX XXXX Bank account - I was experiencing long term XXXX, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed XXXX XXXX policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. 

On XX/XX/XXXX, I attempted to open two checking accounts - XXXX XXXXk, and XXXXXXXX XXXX  and was denied a checking account based on the information reported by XXXX XXXX XXXX tXXXX XXXX XXXXXXXX and Chex Systems. 

XXXX XXXXXXXX XXXX 's errors has caused adverse actions to be taken against me ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX Banks ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Finally, I believe XXXX XXXX Bank 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. XXXX XXXX 's action against me violated my rights under the Fair Credit and Reporting Act because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Credit Bureaus violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX
Product: Checking or savings account

I just recently opened my bank account here and I wish there was better clarification about the overdraft policy. But that is irrelevant. I entered into a contract and I was told by the company that I entered into a contract with that they would let me know if I was approved for the contract and then if I was approved that they would charge me a XXXX dollar payment. Since, I was never notified about my approval status, I was under the impression that I was rejected for the contract. However, I found out that they charged me a XXXX dollar payment and that I had somehow had been approved along the way without notification. Obviously, this is an incorrect practice. But First National Bank is punishing me for an action beyond my control with a XXXX dollar overdraft fee. Furthermore, I was locked out of my bank account and could not access it. If this bank error had not occurred and I had not been locked out, I would have been able to find out that my account was negative and restored it to a positive balance just in time for the overdraft fee not to be assessed. The bank account could have only been unlocked with a phone call to the bank customer service representatives and I was extremely busy nor did I know that I was going to be charged the payment ( and thus the overdraft fee ). Also, if this fee was assessed during the night, the customer service representatives were not available at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016 I opened a XXXX XXXX XXXX account which due to life circumstances did default. There was a balance and I paid to have the item removed from my credit report as a negative item as the debt had been satisfied and this did not occur.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$210.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello down believe I will be attaching a file of all the inquiries that I didnt approve of none of these are me and they have all been done fraudulently I have been trying to reach out to get them removed and no information has been provided to be for these to be accurate please remove these in a time manner