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

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforesaid fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported.The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Prepaid card

In the process of making a purchase over the internet through a small business commerce site I signed up for Paypal yet did not clearly understand that I had to use a credit line for the purchase. I was contacted by a collection service to pay off the remaining balance which I did during that phone call. Looking back at the process I would like to know if the extremely high interest rate I paid for the lats month of the credit line was actually legal?
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 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

on XX/XX/XXXX i received a membership to usaa banking. i am not in the military nor is any of my family. which you have to be to join usaa. i have also recently received banking statements in access of {$400.00} coming and going out of the account. i tried contacting them to no success. their phone wait times are in excess of XXXX hours at all times of day, only via social media can you get hold of them, to which they respond with generic answers.my info was stolen and this place has allowed someone to doop them with fake military id and make an account in my name and arent responding at all to let me know what is going on. im not sure theres another business in the world that has XXXX hour wait times to talk to someone at every point of the day. i see why people have horrible reviews. i have membership card as well as the bank statements on hand.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union here regarding multiple overdraft fees. I have incurred despite having sufficient funds when transactions were authorized I was charged Fees due to lag posting of charges and credits this issue aligns with the recent CFPB findings against XXXX XXXX for similar XXXX where transaction is settled with insufficient balances Despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was backed up on my credit card payments, so discover reached out to me and I shared with them I was out of work for 5 months. I wasnt able to make any payments so there for I spoke with a representative and told her on the XXXX of XXXX I will be able to make a payment of {$100.00}. Today the XXXX of XXXX they pulled out the amount. Thats not what I agreed on and I even have a email stating that was confirmed. Now my account is overdrawn and Im in a grievance because I dont have the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

On XXXX 2015 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Debt collection

XXXX XXXX XXXX credit limit XXXX, XXXXXXXX XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there's, two more I opened the account in XXXX I worked hard to build my credit always paid my credit card before due date, I had a emergency when my grandmother was given XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I reached out to let all of them know that I would be late and just paying the minimum amount I did thatXXXX I lost my job and I was late and I reached out again to let them know that I would pay what I could I made payment and I wasn't told that they were in collection I lost my husband XXXX and I was going through a XXXX and then probate in XX/XX/XXXX I started making payments again I just found out that the payment wasn't going to the bill and I've been contacted by more than 6 different companies that's giving false information for me to indulge into conversations I never gave my consent and I reached out to Equifax information in XXXX because the information isn't correct and sent them the documents and money order and I haven't received anything from them nor my money order stubs, and there's no payment history the dates of closing isn't correct, I worked hard to build my credit and I have done my part
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries were made by the following companies : Inquiries : 1. XXXX XXXX on XX/XX/2021 2. XXXX XXXX XXXX on XX/XX/2021 3. XXXX XXXX on XX/XX/2021 4. XXXX XXXX  on XX/XX/2021 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Debt collection

Hello, I sent information to dispute an amount owed to the collectors. I then disputed with the credit bureau. I received an alert that my credit score dropped XXXX XXXX after speaking with the collections company. I called and was told it was due to {$9.00} interest they reported which caused an increase in balance. This has never happened prior to this dispute with the credit bureau. The collection company on a recorded line stated this is because I disputed with the credit bureau and that because I did so, it prolongs my dispute and puts me in the back of the line, they then hung up the phone in my face. It is my right to dispute with them and the bureau. This is unfair and abusive practices under the Fair Debt Collection Practices Act. '' I am being punished for escalating the the issue. The FTC indicates that a furnisher is required to investigate any dispute forwarded to it by a credit reporting company and cant avoid that obligation by claiming a dispute is frivolous.i am being treated unfairly. Even minor inaccuracies on a credit report can lead to a consumer being denied a loan, housing, or a job. As a result, it is critical that consumers have a meaningful opportunity to correct errors or inaccuracies when they are identified.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to the credit bureaus regarding inaccurate items on my credit report. Despite my efforts, my letters have been disregarded, and I have received responses stating that I am using a third party.Which is wrong I'm the one who send out letters here 's the list of accounts and inquiries i want to delete XXXX XXXX XXXX XXXX. XXXX, XXXX {$2100.00} XXXX XXXX. 
XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$270.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX {$810.00} XXXX  XXXX XXXX, XXXX {$720.00} XXXX XXXX XXXX XXXX, XXXX {$800.00} XXXX XXXX XXXX  XXXX XXXX, XXXX {$0.00} XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX For your review, I have attached my ID and the letters I previously sent.
Product: Debt collection

We sold our timeshare from  XXXX   XXXX  in Virginia to     XXXX   XXXX   XXXX    in   2011. As s pecified in the agreement of sale,  XXXX  assumed all previous, current, and future debts. Apparently, there is some claim by  XXXX   XXXX  that we owe them money. Despite repeatedly sending documentation to  XXXX   XXXX  that they should contact  XXXX , we have been hounded ever since    2011.  We were reported to the credit agencies, and we were able to prove to them that we do not owe this debt. Our credit was restored and the debt was removed from our credit reports.      XXXX   XXXX , at some point, sold this debt t o Meridian Financial ser vices. We have sent them documentation, on multiple occasions, that we do not owe this debt. We are called at all hours, all days of the week, multiple times per week. They will not leave us alone.     I would appreciate any assistance that you can give us.
Product: Checking or savings account

Mercuryhttps : //mercury.com/ ) I opened an account with this Mercury Bank My company name : XXXX XXXX XXXX XXXX On XX/XX/2024, Mercury Bank closed my account and will not refund the funds in my account. 

The total amount withheld by Mercury from my account is {$96000.00} Mercury Bank failed to communicate with me and withheld my funds for no reason. This resulted in me being unable to pay my suppliers and having to pay liquidated damages, causing huge losses to my company. 

A month has passed and I have tried communicating with them via phone and email but they have not responded.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Dates of Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount of Late Payment : {$320.00} I assert that the reporting of these transactions are in violation of the FCRA for the following reasons : According to 15 USC 1681a ( 2 ) ( a ) ( i ) Transactions and experiences between the consumer and the person making the report should be excluded from my consumer report. 

To support my dispute, I am enclosing copies of any documentation related to my account with XXXX XXXX XXXX, as well as any correspondence or communication I have had with XXXX XXXX XXXX regarding this matter. 

Per the FCRA, I have the right to dispute and have corrected any inaccuracies on my credit report. Therefore, I kindly request that you remove the late payment entries associated with my account from my credit report promptly. Additionally, please provide me with a written response confirming the removal of the late payment entry and any other actions taken to address this FCRA violation.
Product: Consumer Loan

I am a co-signer on a car from several years ago for my brother, he is behind on payments by 2 weeks until he get paid on Friday. They call twice a day and I even spoke to them, to let them know I had no money to give them because of my own student loans. I also informed them as soon as my brother he is paid, he will make a payment. Until then, please direct calls to him and that I had already left a message for him myself about drive time calling. This was at XXXX XXXX today and then at about XXXX XXXX, XXXX, called back that very same day. When I called the company back to let them know I am getting several calls in the same day, not just one or two but sometimes it will be three or four if I am at work and can not answer like I did today. I got nothing from them but I understand you being annoyed, the operator could n't even set to where it would not call several times a day. She pointed me to her website to set up a time they could call, I proceed to the website and there is no such place to set up times they can call you. Drive calls 3 to 4 times a day, 7 days a week. I have to make sure my phone is on silent on church because they always call in the middle of service. It is harassment, one call would be fine, but when you call twice a day AND you talked to the person already that day. IT serious stalking mode, when he is probably not that far behind on payments. If he was that far behind, why has n't the car been repossessed. The fact is I do not received the bill and since I am very cautious of companies, I refuse to pay anything if I had it to someone over the phone. They will be calling me tomorrow several times and I will fill out another complaint if needed.
Product: Credit reporting or other personal consumer reports

I noticed inquires that were not authorized by me and seem to be fraud. 

XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a phone call that my phone 's caller ID identified as " Wells Fargo, '' my bank. The caller introduced himself as being from Wells Fargo, and said there was some suspicious activity on my account and that they needed me to log onto their website ( which is something that has happened before, and the call was legitimate ). As instructed, I logged on using the mobile app and they told me to send myself a money transfer via XXXX. I logged in but, thinking it seemed fishy, I asked them why I had to do this and got only a vague, mumbled answer. I hung up on them, not giving them any personal information or login info, but later my phone was acting strangely and then {$1500.00} was missing from my account. 

What I believe happened : the scammers took advantage of a serious security flaw in Wells Fargo 's tech, hacked my phone and got the info they needed to complete a transfer and sent the money to themselves. 

I called Wells Fargo that day and they said there was nothing they can do. I filed a complaint and received a letter saying my request for return of the funds was denied. I called them to ask them to elevate my complaint. I received a further call on XX/XX/XXXX reaffirming that there was nothing they were willing to do to help their customer of over 20 years who was scammed without giving away any personal information. Wells Fargo has a shady reputation but until now I had never had any complaints.
Product: Credit card or prepaid card

I have a credit card with Capital One. Last year my card was compromised. I resolved it with the company, they sent me a new one.I have a recurring monthly payment for a warranty that is attached to that card. I rarely use that card so it was not a big deal to pay that monthly. A couple of weeks ago I tried to make an online purchase with the card, it was denied. After getting on the card website I found out the card was never activated. I had no idea this never happened. So every month the card was getting charged, and the card was not activated. Confused as to how this could happen, I was informed that the card could be charged, even if it was not active. I don`t see how a card can be charged if not active. those charges should have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which cuased severe XXXX upon me and found information provided was inaccurate and questionable that your agency did not make sure it was reporting 100 % accurately. 

In accordance with the Fair Credit Reporting Act, evertyhing has to be 100 % accurate on my credit report and under 15 U.S.C 1681 Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accuratly. 
XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
No Additional Information was provided by Creditor. Creditor also Failed to show proof of ownership and debt verification in a court case. 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. They have failed to provide proof to me, and proof to the courts that they own this debt or have a lawful right to collect on this debt. 

Collection : XXXX XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. No information has been provided to me personally on this debt. Also this Collection Agency has failed to provide proof of ownership of this debt. n accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. There is not a contract between XXXX XXXX XXXX and I and never has been.