23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian included a fraudulent account ( and my nonpayment of its charges ) on my credit report. I identified the account as fraudulent, took the necessary steps for it to be investigated, and obtained confirmation from XXXX Fraud Management that the account ( XXXX ) was opened fraudulently and that they have cancelled the fraudulent account, removed their credit inquiry and ceased collections activity. Experian has this information but continues to show the fraudulent account in my credit report, refuses to recalculate my credit score, and provides no means of correcting the record. When one chooses Identity Theft in the website interface as a reason for dispute, the website process stops and the site visitor is directed to call XXXX to report the fraudulent charges, but the IVR at that number provides no relevant options for doing so, and no " Operator '' option to submit correction requests to a person.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account has been reporting inaccurate information and it was reported as verified by the credit bureau. 

This account is in complete violation of Sec XXXX XXXX XXXX Acct XXXX Account Status Date Opened Last reported date Date of Last Active XXXX has no payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXXm gon na go to court.
Product: Credit reporting or other personal consumer reports

I did not authorize none of these credit inquires i want them REMOVED. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I am writing to dispute a fraudulent rent charge that has been incorrectly applied to my account. Despite my efforts to resolve the issue with the landlord/property manager, the incorrect charges continue to accrue. 

Details of the dispute : - Account information : NATIONAL CREDIT SYSTEMS - Incorrect charge amount : {$6400.00} - Dates of incorrect charges : XXXX, XXXX - Reason for dispute : I was charged for damages I did not cause and months of rent I do not owe. 

I have been a responsible tenant and have always paid my rent on time. However, the landlord/property XXXX has incorrectly accused me of causing damages and has charged me for months of rent that I do not owe. I have tried to resolve this issue amicably, but the charges continue to accrue. I turned my keys into the leasing office in XXXX of XXXX. My lease was up in XXXX officially. 

I request that the Consumer Financial Protection Bureau assist me in resolving this dispute. I would like the incorrect charges to be removed from my account and my credit report. I would also like to request an investigation into this matter to prevent further fraudulent activity. 

Please let me know the next steps to resolve this dispute. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

There is an account with OCWEN reporting on my credit report, account number XXXX, that is not and never was my account. I am in the process of refinancing my current mortgage with XXXX and I am unable to move forward because of this issue with OCWEN. My credit report says it is a charge-off account that I still owe {$25000.00}. Every time I call OCWEN, they tell me the account number that is on my credit report for them is in fact NOT my account, and that this is for a property in OHIO for someone else. They are unable to tell me who, since this is not my account which I understand. However, I have asked multiple times for them to confirm this by sending me a letter verifying that this is not mine. The first time they told me they were unable to do this. After multiple complaints they told me a couple weeks ago they would send something to me in the mail. I never have received anything. Furthermore, I submitted something to XXXX to call OCWEN and verify. They called and OCWEN said it is to stay on the account. Then when I call they said its not mine?? I want this resolved asap and I need to get this loan refinanced and this is holding me up.
Product: Credit reporting or other personal consumer reports

Please see XXXXWe will take this step by step and I will use CFPB AS A paper trail for myself since that's the only way to get a reply from you guys. You stated I have that balance to pay and if it's paid you guys will completely remove the already mistaken payment owed for good as you did prior when I paid a part of the " balance ''. I asked to get my calls that you record for my records and for copies of our email threads that you guys leave with no respond. I was told if it's not paid legal action can be taken and court can be involved and I would need to pay you guys fees so its " best for me to just settle and pay to have the account removed '' you will hear me on 2 convos say if that's the fastest solutions ok BUT I DO NOT AGREE OR TAKE OWNERSHIP of the debt that keeps being referred to you by the orginal creditor. I sent you laws and evidence ( bank statements, letters from XXXX ) etc to the point where you made my balance XXXX $ and REMOVED IT from XXXX and XXXX. Am I incorrect and have you not received these things via CFPB AND the email : XXXXXXXX XXXX XXXX XXXX XXXX via my emails XXXX and XXXX XXXX XXXX
Product: Credit reporting 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 168b permissible purposes of consumer reports. 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. 

Inquiry Was Not Authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Debt collection

Received this and a couple phone calls from a different number as well. I'm pretty sure it's not legit ( and I don't even have an account with them ) You'll rcv acct msgs from Monarch Recovery Management - Debt Collector. # of msgs varies by acct. Msg & DataRatesMayApply.? 's call XXXX. INFO : XXXX XXXX XXXXXXXX This is an attempt to collect a debt and any information obtained will be used for that purpose. To optout reply STOP
Product: Credit reporting

Hunter Warfield has reinserted a collection to my XXXX credit report as of XXXX/XXXX/2017 in the amount of {$500.00} again as it has previously been disputed and removed.
Product: Checking or savings account

My account was closed in XXXX of XXXX with BBVA due to nsf fees. I recently got an online loan from a company I have previously used with this account as well. I thought I had changed my acct and routing number from bbva to XXXX. They took my loan and covered the nsf fees even though my account was closed. They took the loan on XX/XX/XXXX. I am now expected to cover the amount of this loan and the finance charge due to this bank forcing me to pay a debt. They wont even let me pick my money up from the branch nearest me
Product: Checking or savings account

Subject : Formal Complaint Against Wells Fargo for Unlawful Account Hold and Access Denial Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding the unwarranted hold placed on my account and the denial of access to my online banking services. As a military veteran currently stationed in Ohio, I find myself in a distressing situation with no access to my funds and no viable means of resolving this issue due to the absence of Wells Fargo branches in the state of Ohio.

Wells Fargo has placed a hold on my account, preventing me from making withdrawals and debits, while also denying me access to my online banking services. Despite my repeated attempts to resolve this matter over the phone, I have been met with refusal to verify my identity and provide me with the necessary access to my account.

As a member of the military stationed in Ohio, I am unable to visit a Wells Fargo branch in person, as there are no branches of the bank located within the state. This has effectively rendered me incapable of resolving the issue through conventional means.

Wells Fargo 's actions not only violate basic principles of customer service but also potentially infringe upon several banking laws, including but not limited to : 1. **Uniformed Services Employment and Reemployment Rights Act ( USERRA ) ** : Wells Fargo 's refusal to accommodate my military status and provide alternative means of verifying my identity and granting access to my account may constitute a violation of my rights under USERRA .

2. **Electronic Fund Transfer Act ( EFTA ) ** : By denying me access to my online banking services without a reasonable alternative, Wells Fargo may be in violation of EFTA , which guarantees consumers the right to access their electronic funds.

3. **Fair Credit Reporting Act ( FCRA ) ** : Wells Fargo 's failure to properly handle my account and provide adequate customer support may constitute a violation of FCRA, which requires financial institutions to maintain accurate and up-to-date customer information.

I urge the Consumer Financial Protection Bureau to intervene in this matter promptly and ensure that Wells Fargo provides me with immediate access to my funds and online banking services. Additionally, I request that appropriate actions be taken to hold Wells Fargo accountable for their disregard of banking regulations and their failure to provide adequate customer support, especially to military personnel. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this urgent issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the Department of Education/Aidvantage for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/Aidvantage has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/Aidvantage has infringed upon my privacy rights. 

Furthermore, the unauthorized reporting of transaction history, particularly regarding late payments, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/Aidvantage 's actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. 

Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by Aidvantage. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. Aidvantage 's request for my SSN without my explicit consent demonstrates a blatant disregard for federal privacy laws.

Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to Aidvantage, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that Aidvantage cease all unauthorized collection and reporting of my personal information, including transaction history and SSN.

In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against the Department of Education/Aidvantage . Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights.
Product: Checking or savings account

On XX/XX/XXXX, the XXXX XXXX XXXXXXXX deposit a check and to my cash app app account ending in XXXX check was never received people at Cash app said they dont have it or they dont see it. They said that they would do an investigation for XXXX days and I hear something its been 10 days. I havent heard from them.
Product: Credit card

I have reported fraudulent activity on my account. Initially it was taken care of by Capital One. A month later they called me back to let me know that it does not qualify as fraud since I had the credit card within my possession at all times. This is a dispute with XXXX and some game. racket up charges around {$2500.00} ...
Product: Credit reporting or other personal consumer reports

My credit is showing the {$840.00} from an unknown creditor or collection agency by the name of XXXX XXXX XXXX and a personal loan from XXXX XXXX for {$780.00} as closed that was an identity theft account that still appearing on account. Also, another account as KOVO Inc in accurate missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report. The inquiries are as followed XXXX date of inquiry XX/XX/XXXX, XXXX XXXX date of inquiry XX/XX/XXXX, XXXX XXXX date of inquiry XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. I have contacted all these creditors with no response to the fraudulent activity. TransUnion replies back quickly with no change in status. I have called TransUnion to dispute fraud but no response.
Product: Credit card or prepaid card

XXXX, I redeemed points and paid {$140.00} for a rental car voucher with XXXX rental. This was though XXXX Card services, which is now Bank of America. XXXX refused to accept the voucher and billed me {$280.00}. I disputed this with Bank of America and they denied my claim. I have paid for this rental twice. Points in the amount of XXXX we 're deducted from my regards account.
Product: Student loan

Private Lender Keybank made 4 XXXX XXXX private loans from XXXX thru XXXX. I made payments timely payments for 18 years until becoming unemployed and requested forbearance and deferments through XXXX XXXX XXXX ( loan servicer ). XXXX denied the request and referred the matter to the original lender Keybank after 6 missed payments. Keybank refused to grant temporary deferment or forbearance and charged off all 4 loans.

Keybank and their collection agency ( XXXX  ) in the attachments provided, sent further collection letters to another employer and this caused my employer to terminate the employment in XX/XX/XXXX. 

Now I am offered terrific new employment, however, the negative credit reporting is delaying my employment start date of XX/XX/XXXX.
Product: Debt collection

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Checking or savings account

XX/XX/2023 I initiated a transfer from my XXXX XXXX rewards account to my account with XXXX XXXX XXXX  in the amount of {$7200.00}. I received an email confirmation from XXXX that the funds should arrive to the destination bank XX/XX/XXXX. With the following order # : XXXX I never received the funds although the funds were taken out of my XXXX  account. On XX/XX/XXXX I called XXXX XXXX XXXX they say the never received it. I called XXXX  they say they sent it and confirmed the correct account number and routing number. At this point XX/XX/XXXX I don't have my money and each bank is sending me to the other bank. Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax or XXXX has n't updated my credit report with my new address and phone number. I want XXXX XXXX, Equifax and XXXX to update my credit report and public records with my new address and phone number which is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX. I want a statement added to my credit report. I want the statement to read the following : Before creditors issue any credit in my name, they must call and verify it with me at : XXXX
Product: Debt collection

Several Times I have received telephone calls at work. One time the caller called my mother and stated that there was a warrent out for my arrest, my mother called in a panic. Then the caller gave my full birthday and social security number, when he asked was it correct, I told him that even if it was he had given out to anyone that answered the call. The second time the caller stated that they have a XXXX County Docket number # XXXX and that if they do not speak with me regarding this loan that I will be arrested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX-XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit card

Previously, I submitted a complaint about my American Express card. My money was lost in a balance transfer, XXXX XXXX, 2016. Please refer to CFPB Case number : XXXX. American Express has had time to research the issue, but no one has phoned, written, or otherwise informed me of any updates on my situation. 

In short, I requested a balance transfer from my AMEX card to a XXXX XXXX credit card. The money never showed up in my XXXX XXXX account and I was given the run around each time I called and spoke with AMEX representatives. The company responded to my complaint by saying they needed 45 days to trace the funds. Why has n't anyone been in touch with me? 

Electronic funds do n't get lost. American Express is responsible for sending funds to a bank that claims that they do n't accept electronic balance transfers.