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

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a Chase Bank business account on XX/XX/XXXX under my name XXXX XXXX and the name of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX - XXXX ), which has a sole member me. I deposited a check for {$40000.00} around XX/XX/XXXX. The check was from my brother 's business for us to do business together buying rental properties in the XXXX area. Shortly after I opened, I was told that I need to provide proof of my business by I was overseas at the time from XX/XX/XXXX - XX/XX/XXXX and could not come into a branch to provide the proper documentation. When I arrived back I went into a branch to ask about my check and was told it would need to be verified. After some weeks of back and forth, Chase finally called my brother 's business to verify the check. Once that was done I called Chase again to ask for the check and was told that I needed to provide verification of the business to link the check with the business. I went into a branch and provided them with the IRS issued XXXX number along with 2 forms of ID ( driver 's license and credit card ). The branch said that as soon as the document was uploaded my check would then be issued. I called today ( XX/XX/XXXX ) to ask about the whereabouts of the check and they told me once again that I needed to verify my business. I was told because the name they have on file was XXXX XXXX XXXX and not what I had provided which was the XXXX XXXX IRS document that only had XXXX XXXX I would need to provide further proof that my I was me. Despite the fact that all the documentation has the same address, DOB and everything else matches except the M for my middle initial. I have now been told the best way to resolve is to open up another business account so they may transfer the funds to that account. I have spent hours trying to resolve this issue as the customer service line is usually 3 hour wait to get through and am now desperate as I get the feeling the bank is really trying to just keep the money. 

I have called the company countless times to try to resolve the issue however each time I call I am told that I need an additional piece of information in order to get my check back. This issue has been going on for more than 2 months and I am just getting the run around from the company.
Product: Debt collection

I received multiple letters of contact within a weekly bases concerning a debt. I am currently going through a financial hardship and is getting harassed by Thomas George Associates to acquire a debt that I am currently in no position to make payments on. The frequency of contact by phone and mail is overbearing and well within the limitation of harassment, the quality of expression of words making financial threats towards me, Including the methods of contact outside of the legal business hours of contact.
Product: Checking or savings account

I was with Wells Fargo for along time but I had to leave it because I kept getting overdraft and money taken out of my account without my knowledge and fees taken from me and they never explained why so I had to close my account and go somewhere else
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; 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
Product: Credit reporting or other personal consumer reports

This is my 11th attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX, SC XXXXXX/XX/XXXXXXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$770.00} XXXXXX/XX/XXXX Balance XXXX {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXXXX/XX/XXXX ( Original XXXX : XXXXXX/XX/XXXXXXXX XXXX ) XXXX Balance XXXX {$5000.00} XXXX XXXX XX/XX/XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following account appears twice on my credit profile. Im an AU on my wife 's credit through her XXXX XXXX account. The duplicate account appeared on my credit within the last week. Everything is duplicated with the exception of the balance, which is a {$1000.00} difference... It took my credit score down XXXX points, and I need this corrected. 
The report dates are XX/XX/XXXX and XX/XX/XXXX. 








XXXX XXXX XXXX XXXX XXXX XXXX Attn XXXX Disputes XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of Identity Theft. I pulled my reports from all three credit bureaus recently and they all had accounts that I did not recognize as well as inaccurate personal information.
Product: Credit reporting or other personal consumer reports

OnXX/XX/XXXX I received a letter from XXXX XXXX stating that they have removed accounts ending in XXXX, and XXXX from my credit files from XXXX, XXXX and Transunion. As of XXXX. The accounts are showing on my credit reports. 

According to the ( FACRA ) USC XXXX. Any person is who obtains a consumer report from a consumer reporting agency under false pretenses without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX, which ever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires are unauthorized and they are not related to any transaction by me : Equifax : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Mortgage

I would like to add to my Complaint # XXXX regarding Bank of America. I was contacted immediately from the bank regarding my first complaint and I was assigned a rep that would help me with my modification. I was told that I needed to resend my Husbands payroll records which I sent to them. I received a call from another person at the bank that my modification was again denied because they could not read my Husbands payroll records therefore they were only using my income. This is ridiculous, instead of denying me they should have called and asked me to resend it. I am so sick and tired of dealing with Bank Of America.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Md XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Immediate Deletion Request XXXX Account # XXXX To Whom It May Concern, This letter serves as a formal dispute regarding the inaccurate and outdated reporting of a debt from XXXX XXXX XXXX on my credit report. The account in question ( # XXXX ) reflects an alleged balance of {$3600.00} and originates from XXXX. 
This Account Must Be Deleted Immediately 1. Time-Barred Reporting Violation ( FCRA 15 U.S.C. 1681c ( a ) ( 4 ) ) o The Fair Credit Reporting Act ( FCRA ) strictly prohibits reporting negative accounts beyond seven years from the date of first delinquency. This account, which originated in XXXX, is approaching or may have already exceeded the reporting limit. 
o If this debt is beyond the legal reporting period, you are in violation of federal law by continuing to report it. Immediate removal is required.

2. Verification Failure ( FCRA 15 U.S.C. 1681i ( a ) ) o I demand that Equifax fully investigate this account and provide documented evidence that this debt is accurate, verifiable, and legally reportable. 
o If Equifax can not produce signed agreements, payment history, and evidence that XXXX has legal standing to collect, this account must be deleted immediately. 
XXXX. Potential Statute of Limitations Issue o Depending on the state where this alleged debt originated, the statute of limitations for collection may have already expired, making this debt legally uncollectible. Reporting a time-barred debt misleads creditors and damages my financial standing, which is grounds for regulatory complaints and legal action. 
Demand for Resolution Delete the XXXX account # XXXX from my credit report immediately. 
Provide a detailed response in writing within 30 days as required by the FCRA. 
If Equifax continues to report this unverified and potentially outdated debt, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
This letter serves as legal notice of my dispute. Failure to comply will result in further action, including potential legal claims under FCRA violations ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance. 
I expect immediate deletion of this account and a confirmation letter verifying the correction. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I, wrote a check to a friend for {$130.00}. On that date she took the check to her Wells Fargo bank branch in XXXX XXXX and cashed it. 
A few days later the bank returned the check saying " refer to maker " and deducted the {$130.00} from her account. She contacted me at which time I pulled my XXXX XXXX XXXX statement that showed the check cleared my account. I have since received the copy of the check showing it cleared XXXX XXXX XXXX. When trying to provide the information to XXXX XXXX " Financial Crimes Manager " XXXX I was informed that she could not discuss with me because I do not have an account with Wells Fargo. The person I wrote the check to proceeded to contact the XXXX XXXX XXXX investigation unit and the response was that they could not help her, it was a XXXX  XXXX XXXX problem. I have subsequently received information from XXXX XXXX XXXX, front and back of check, showing funds were wire transferred to Wells Fargo. Wells Fargo has neglected to provide any information that the funds were never received. Nor will Wells Fargo reach out to XXXX XXXX XXXX. 

I have all documentation that is needed. Wells Fargo : XXXX # XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/ Discover card took out a bank draft on my checking account for {$100.00} from the XXXX   XXXX XXXX XXXX XXXX. The last time I did a payment over the phone was 18 months prior to this date. I was crystal slear they were never ever to do that again! This is the 2nd time they have done this! The 1st time we worked out now I am determined they need to pay the bounced check fees and the {$100.00} at the very least. Next time I will have to change /close/ reopen checking accounts. Is it possible to tack on a pain in the XXXX fee? How about a fraud fee for them to pay. So far there are 2 checks NSF fees {$24.00}, stop payment fee {$8.00}, {$35.00} returned check fee. I have told them in the past {$940.00} only goes so far as a retiree. I receive {$13.00} EBT. Which means $ XXXX {$50.00} to grocery shop with and food pantries.
Product: Checking or savings account

I opened my checking account with First Citizens Bank as a result of a promotion they were running. The promotion details included opening a checking and savings account with at least {$50.00} at account opening. Customers would receive {$300.00} as a bonus if they either had {$1000.00} in monthly direct deposits OR had 10 debit card Point of Sale transactions within 90 days of account opening. 

I had 10 point of sale debit card transactions completed by XX/XX/20. The terms stated the bank had 120 days from the time criteria was met to pay the bonus. 120 days from XX/XX/20 is XX/XX/20. There was no bonus posted by that date. I contacted the bank via their website on XX/XX/20 and was not given any assistance.
Product: Student loan

In XXXX of 2006, myself and my spouse were approached by XXXX XXXX to consolidate our student loans together to lower our monthly payment. These loans have been since sold to XXXX and now NelNet. In the master promissory note, it states that if we are unable to get on an income based repayment plan, that we can have our loan type changed to be able to access such a plan. This is clearly stated in the MPN. I have been denied several times now access to any IBR, and also denied turning my loan into Direct for the sake of moving to an income based repayment plan. This is a direct violation of my master promissory note.
Product: Checking or savings account

On or around XX/XX/2021, I opened an account with KeyBank and placed a {$10.00} deposit via another debit card. On XX/XX/2021, I arrived to the branch and deposited {$160.00} in cash. However, the transaction took an unusual amount of time but the branch staff member at XXXX XXXX XXXX, XXXX, ME XXXX ( phone number XXXX ) informed me that I simply needed to furnish my " car insurance '' information, which I did immediately. She informed me that my account would be unlocked shortly after. 

However, via email I was informed that I would need to provide some forms of documentation, including a lease agreement ( it is a month to month via verbal contract so no lease ), and renters/homeowners insurance. I provided my renters insurance policy in full on XX/XX/2021, which shows my entire address. The entire statement via email was the following : " XXXX can also accept a signed lease, a land-based utility bill showing a service address, mortgage statement, or homeowner/rental insurance declaration page. '' This was sent at XXXX XXXX on XX/XX/2021 from XXXX. 

However, upon sending the rental insurance declaration page, I was advised " You would need to supply a document that shows the address you provided when you opened the account. Possibly have your state ID/Drivers license updated with your current address. Another option - can you get a full/current utility bill and a signed note stating you are living at that address from the person you are renting from? '' aka they aren't accepting the renters insurance policy. 

I believe that I am a victim of a scam to the tune of {$160.00} and they are finding reasons to not reopen my account at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX is reporting an account that has been paid in full.
Product: Bank account or service

Joint account with HSBC. The primary holder passed away, and this Bank found numerous ways to prevent the other holder from getting her money, including canceling a Bank to Bank transfer because the name was not exactly the same. The next week they mailed a check but somehow sent it to a wrong made up address and name. This is now 1 month after the other person passed away and the second person still does not have her money and she is a senior citizen. All paperwork was mailed out or faxed to them with current names, addresses, numbers, id, and poa. This bank is very suspicious and shady in its financial dealings.
Product: Debt collection

XX/XX/2019 we sent a validation and dispute to the creditor, no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 TRANSUNION removed a delinquent account from my report due to improper reporting on an account. On XX/XX/2023 at account was put back on my report. It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

TRANSUNION is reporting XXXX inaccurate late payments for the XXXX account XXXX. These include a 30 day late payment posted. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Student loan

Repeat phone calls and emails to put me in a XXXX XXXX XXXX forgiveness plan. I XXXX XXXX XXXX and have for XXXX years. I talked with XXXX @ XXXX XXXX XXXX and gave info and signed off logically on their service. I sent no money but have gotten no info. They have my banking info but no moneyXXXX XXXX XXXX so there is none.
Product: Credit reporting or other personal consumer reports

As of a recent date, I noticed this account/collection on my credit I have no knowledge of, as well as inaccurate addresses and names on my report. I would like the following removed/corrected The correct name for my account should be " XXXX XXXX XXXX XXXX and the correct address should be " XXXX XXXX XXXX XXXX XXXX, CA XXXX '' Aliases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX the following inquiries were not authorized XXXX XXXX XX/XX/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
Product: Debt collection

This account has inaccurate information date opened XXXX2013 with a balance XXXX $