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

Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for XXXX /Equifax and XXXX to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. 

This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX30 late/XXXX  30 late/XXXX OK XXXX 60 late and XX/XX/XXXX30 late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was under autopay at the end of my credit payments with XXXX XXXX XXXX. I called them numerous of times and they had said many times that it is being disputed on the credit report and it has not been disputed at all. All the payments during 2 years is all current. At the end of of the last payment, the company put late payment when it is current.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXXXXXX XXXX  - XXXX EMPLOYER - XXXX XXXX XXXX  Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ASSOCIATED WITH THEFT ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED NOW IT REAPPEARED ON MY CREDIT REPORT AGAIN I AM REQUESTING THAT THESE ACCOUNTS BE REMOVED IMMEDIATELY. 

1. XXXX XXXX XXXX  ACCT NUMBER : XXXX 2. XXXX ACCT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts 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.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00}
Product: Debt collection

XXXX IS THREATENING LAW SUIT TO COLLECT ON A DEBT I DO NOT OWE TO XXXX XXXX BANK IN THE AMOUNT {$2400.00}. THEY SENT NOTICE CERTIFIED MAIL WHICH WAS HANDED TO MY MINOR SON AGE XXXX XXXX XXXX, I 'VE ASKED XXXX XXXX BANK TO SEND VALIDATION OF DEBT WHICH WAS NOT RECEIVED YET THIS HAS BEEN ON GOING NOW FOR TWO YEARS WITH THIS SAID COMPANY.
Product: Checking or savings account

My Non penalty CD expired on XXXX XXXX with Ally bank. On XXXX XXXX I called the bank and requested wire transfer because they dropped my interest to 0.5 % which I do not agree with. Wanted to transfer to my other bank which is paying 1.5 % interest. In fact I called twice verified the transfer bank advised everything ok it was before cut off day. 
Next day XX/XX/2021 nothing happened then I called 3 times to verify that everything ok.I called before wire cut off time. They advise will be wired out no other information need it. Then Monday received email that needs copy of driver license. I sent copy and called again. No wire has been sent out. 
I think the bank willfully withholding my money. It is unfair and illegal conduct and causing me to lose money such as lower interest they pay and other investment opportunities
Product: Credit reporting or other personal consumer reports

I decided to make another attempt as the Experian Credit Report Lawsuit is in progression. On several occasions over the years, as early as XX/XX/XXXX and as recent as 3 months ago, ive been requesting disputes and information into different accounts ive had attached to my credit. Each time, the search returns no evidence nor any information despite my explicit questioning of it
Product: Prepaid card

Wells Fargo has repeatly taken money out of my account for items that I have not done, such as cash advance fees, and interest charges.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate o unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where experia has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I received a letter from Chase advising they will close all my accounts and end their relationship with me. 

I have a checking, savings, credit card and safe deposit box with them. I have been with Chase for over 10 years and received no explanation why they are doing this. 

My fear is that my name is on some database incorrectly. 

I am not a XXXX XXXX or a XXXX XXXX on some government list nor have I ever committed fraud in my life. 

I am a law abiding citizen married to a XXXX and gainfully employed with good credit. 

I do not understand how they are allowed to do this to me.
Product: Credit reporting or other personal consumer reports

I have inquiries from different dates totaling to 42 that I do not recognize dating back to 2019
Product: Credit card or prepaid card

Company : Bank of America Account type : Credit Card Issue : Data breach/card compromised. Was not notified in any way. I noticed on my Bank of America application that I had 2 credit card numbers with large balances. I hold only one card with them. I called and was informed of a data breach and that I would be issued a new card. They did not notify me of this in anyway. I was told that a letter would be sent with my new card. Additionally, I would imagine that this affected my FICO and Credit score sense I was showing twice the amount of debt that I actually owe. After the call with customer support they deleted all of my precious card information from my account. Now I can not review it to see if there were any discrepancies, charges, fraudulent activity, etc ... This can not be allowed. I feel that I was taken advantage of, lied to by omission, and treated unfairly. 

This issue occurred back in XX/XX/2019 according to the statements that i have available and the change to my account was made today after I discovered the issue.
Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Subject : Request to Correct Credit Report Utilization, Update Accounts to Paid as Agreed, Address Reporting Fraud, and Process Opt-Out Dear CFPB Representative, I am submitting this complaint regarding inaccuracies and potentially fraudulent reporting practices that negatively affect my credit utilization and overall account status. I respectfully request corrections under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. 


Accounts Organized by Credit Bureau XXXX XXXX. XXXX XXXX ( Account Number : XXXX ) : * Status : Authorized User, Active/Open. 
Current Balance : {$260.00}. 
Request : Update status to Paid as Agreed and ensure proper utilization reporting. 
Violation : Under 15 U.S.C. 1681s-2 ( a ) and 12 CFR 1022.42, furnishers of credit information must provide accurate data. Reporting incorrect balances or utilization on active accounts constitutes negligence and affects my credit profile. 
2. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : Status : Transferred to another lender. 
Original Balance : {$11000.00}. 
Request : Update to Paid as Agreed and remove any derogatory remarks. 

Violation : 15 U.S.C. 1681e ( b ) and 12 CFR 1022.130 mandate accurate and timely updates to account statuses. Reporting transferred accounts with derogatory marks misrepresents the status and violates the requirement for maximum accuracy. 


XXXX XXXX. XXXX XXXX  Auto Loan ( Account Number : XXXX ) : ** Status : Involuntary Repossession. 
Balance : {$5700.00}. 
Request : Remove the derogatory repossession status and update as appropriate under opt-out rights. 
Violation : 15 U.S.C. 1681c ( a ) ( 4 ) and 12 CFR 1022.1 ( c ) prohibit the inclusion of inaccurate derogatory marks in reports. Reporting the repossession inaccurately or in perpetuity constitutes fraud and damages my financial standing. 
XXXX. Portfolio Recovery ( Account Number : XXXX ) : ** Status : Charge-Off/Collection. 
Balance : {$260.00}. 
Request : Remove the charge-off status and opt out of improper derogatory reporting. 

Violation : 15 U.S.C. 1681b ( e ) and 12 CFR 1022.43 provide consumers the right to opt out of reporting practices and dispute inaccuracies. The charge-off reporting fails to meet accuracy standards and perpetuates harm. 


XXXX XXXX. Portfolio Recovery ( Account Number : XXXX ) : ** Status : Charge-Off/Collection.

Balance : {$260.00}. 
Request : Remove the charge-off status and opt out of improper derogatory reporting. 

Violation : The same violations as above apply ( 15 U.S.C. 1681b ( e ) and 12 CFR 1022.43 ) for opting out and disputing inaccurate charge-off entries that damage my credit profile.
Product: Debt collection

On XX/XX/2019 a collection was reported on my credit. 
No Letter sent were sent to me, FABCO added a derogatory mark on my credit report. Per XX/XX/XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written from of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, FABCO has violated my rights as a consumer and I am requestion legal action to remove this account immediately.
Product: Debt collection

This debt has to do with my daughter 's birth on XX/XX/XXXX. My former midwives ( In XXXX XXXX - XXXX XXXX, XXXX, WA ) planned to charge a second attendant fee but given that they transferred my care, they never had a second attendant. They then tried to change it into a transfer of care fee. They refuse to go through insurance XXXX XXXX ), although the only reason I worked with them to begin with was because they were in network. They passed on my debt to a debt collector ( Renton Collections ) who has not contacted me until I realized they've been reporting a debt against me since XX/XX/XXXX. I contested their claim via transunion as an invalid debt. Renton Collections provided a statement for {$200.00} giving no description of services. This needs to be billed through insurance and simply sending me a piece of paper showing {$200.00} ( with no description ) is not a verification of debt.
Product: Credit card or prepaid card

My card was frozen on XX/XX/2020, I called Bank of America XXXX XXXX, I was told that my card was frozen due to Identity verification, they told me to contact the unemployment office. I spoke to unemployment and they said a fraud was done in my account and that Bank of America was aware, to call Bank of America to solve the issue. I called Bank of America and they said I had a negative balance of - {$17000.00}. I informed Bank of America that I have never had a unemployment deposit of that amount of {$17000.00}. Bank of America told me to contact unemployment to verify the account. Unemployment began to make adjustment credits to the account after receiving identity documents that verify my self. Bank of America has received {$10000.00} from unemployment as adjustment credits starting XX/XX/2020, and that they will be working on the rest of the amount. XX/XX/XXXX is when I contact the bank to ask regarding the adjustment credits and why my account has not been moved from the negative into the positive? Bank of America informed me that I have to file a claim for all the rest of the balance which included {$11000.00}. A claim was put in after receiving my funding 's, they told me to call XXXX XXXX due to that it takes about 45 days. I called back XX/XX/XXXX, and they informed me that my claim was closed due to that my card was frozen because they had issued a temporary credit. They said unemployment had frozen my card, so I contact the unemployment office and they unfroze my card. They said it would take about 45 days from XXXX in order to receive funds again. I called in XX/XX/XXXX, they informed me that my case has been closed and they have to re open it because someone put my information incorrectly in the system. They told me that my account would be settled by the XXXX of XX/XX/2020 and I have not received anything. I spoke to Bank of America today the XXXX of XXXX and they informed me that my case is open but they don't have a date of when they will return my funds to the account, and they don't have a time limit on when they will provide the new cards or place my funds even though they had a promising date before. I have contacted the FBIC to submit the complaint against Bank Of America, I was informed to reach to CFPB to submit a complaint, I have also sent an emails to the fraud department and to the XXXX XXXX of Nevada addressed to XXXX XXXX on XXXX XXXX have spoken with claims and fraud to get official information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my consumer report from EQUIFAX and XXXX XXXX. I noticed that an unauthorized alleged debt with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XXXX, XXXX, XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. Instead, they sent to my address a document in which appears to be a computer generated signature and an unfamiliar statement. The document appears to be typed by someone other than myself, a fraudulent signature and inaccurate/misleading information. The company XXXX has yet to respond through the Consumer Financial Protection Bureau and I am very concerned in the way this matter is being conducted. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, Equifax or this company. This alleged debt is causing harm against my livelihood as I can not be approved for lines of credit to support my family or mortgage loans to purchase a home for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent computer generated document with information that does not belong to me, which in turn makes their " verification '' investigation null and void. I will conclude that XXXX and Equifax companies are either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a scam on my credit report and Experian said to contact said vendor see below. 
XXXX XXXX  phone number XXXX XXXX XXXX tell how in XXXX XXXX name that's possible.
Product: Payday loan, title loan, or personal loan

On or around XX/XX/XXXX I notified money moneylion that my husband and I were victims of identity theft. Our bank account had been compromised. We had to freeze our account, open up a new one and report it to the authorities and credit agencies. We are still dealing with the fallout. I explained to them that we would have to make payments to them in another way. Moneylion requires you to use a company called XXXX to link your bank account. We have been advised to limit who we share account info with going forward. At first, I could not get any response from them so I had to notify the XXXX XXXX XXXX. I received a response after that and was given an address to mail our payments to, which I have been doing. On XX/XX/XXXX I sent a certified letter to their XXXX XXXX  XXXX XXXX Utah offices letting them know that I was revoking my authorization for them to take any further payments from our bank accounts going forward for any Money Lion products. I also emailed them. 

Moneylion works with XXXX who shares updated Debit card numbers with the banks and companies who use XXXX. Moneylion received my certified letter on XX/XX/XXXX yet continues to try and charge my new debit card despite my telling them to stop. I never gave them my new number, XXXX did. I have locked my debit card because of this and put a stop payment through our bank for all Moneylion products. They attempted again today today, XX/XX/XXXX, to charge my debit card for a loan payment they received via money order on XX/XX/XXXX. Our next payments are due on XX/XX/XXXX which we will send via money order like we have the others. It has been 2 weeks and they have yet to post those payments to my account. I have inquired multiple times and I am told it will happen soon but it doesn't. I have since found out that Money Lion has a history of this type of behavior. There are many complaints online with similar stories as mine. I feel further victimized by moneylion during a very difficult time. I have saved every email and conversation I have had with money lion regarding our accounts. We have been sending our payments and kept in contact with them, yet they ignore our requests. Dealing with identity theft is a miserable, stress inducing, nightmare, and knowing that companies can get your new debit card information without your permission and use it is really unsettling. I'm already on alert and this just makes it worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collection Agency XXXX XXXX, Original Creditor XXXX XXXX XXXX, along with XXXX XXXX XXXX and Transunion are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.
Product: Debt collection

I reviewed my credit report to find this company had placed an unverified account on my credit profile. 

I reached out to this company to inform them that this information is incorrect because I had XXXX XXXX and not XXXX as they stated they did not supply me with any documentation on this debt and I also informed them that I share the same name as my father. 
They were unable to verify any of the two vehicles that is currently registered to me This is unacceptable and this is hurting my credit during a global pandemic and they cant place inaccurate information that hasnt been verified. 
I have no contracts or dealing with this company!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you