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

Equifax ; XXXX  and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

On XXXX my debit card was declined. I called TCF bank and they informed me there was suspicious activity on my account. I received a new debit card XX/XX/20 and again noticed suspicious activity on my card. I called TCF to report it. I decided to close my entire account to protect my funds. That same day I went to the XXXX, mn TCF location and closed my account and withdrew my funds. I signed off that I wished to close my account and was handed a slip stating my account was closed. My balance at that time was {$0.00} My direct deposit from my employer went through on the account after it was closed. When I previously closed my act on XX/XX/20 the teller told me and direct deposits would be rejected. On XX/XX/20 I again went to withdraw these funds. The teller told me my account was never closed but had a debit hold. On XX/XX/20 I completed the same paperwork to close my account and again was given a receipt stating my account was closed. My balance at that time was {$0.00}. 

XX/XX/20 I received mail from TCF stating my account was over drafted by {$130.00}. The letter states they will submit to collections. 

Both times I have tried to close my account my balance was {$0.00}, after withdrawing my funds. There was no reason for TCF to refuse to close my account and verbally and in writing tell me it was closed. I would like to close my TCF bank account and would like them to stop allowing transactions in/out of my close account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXXXXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted  according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I recently deposited a check from work to my Capitol One Checking, it went through, got my funds and threw away my check. I didn't rip it but threw it away with other trash. Someone found the check and deposited it and they got the funds and my money was reversed. I called the bank and they advised me to get a new check and let my employer know so they can dispute it. I deposited my new check and the next day, i went to check my account, my funds are in but it now says my funds are locked. I called the bank this morning to see why, they say that the account is locked because there is an ongoing investigation and have decided to no longer do business with me and close my account. 
They didn't allow me to speak with a supervisor or investigator to send my money but just told me when the investigation closes they will send my money by check in the mail. This is all through phone call today at XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and I am a victim of Identity theft and that the items I am disputing do not relate to any transactions that I have made or authorized. It has been a battle going through this and I am submitting this complaint to request for the removal of the Fraudulent items completely from my Credit Report. I have read that the Credit Reporting Agencies are required to remove any account and information that the consumer identifies as an item resulting due to identity theft. I hav ebeen sending dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items but desppite all my eforts, the Credit Bureaus are yet to comply with the Federal Law. I am submitting this complaint through the CFPB to inform the Credit Bureaus that they only have much time to remove the disputed fraudulent information before I take legal action against them. under the FCRA section 605b, I am requesting that the disputed items removed from my Credit report : 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
Product: Money transfer, virtual currency, or money service

I have a XXXX credit card issued by Wells Fargo Bank. And the autopay of this credit card has never succeeded while I have experienced the overdue pay twice without receiving any notification from XXXX or Wells Fargo until I find it myself -seeing my credit score decreased a lot by myself. 

I have tried to contact both XXXX credit card and Wells Fargo Bank to get help for at least 3 times. The Wells Fargo asked me to delete the non Wells Fargo I added and re-add them. They insisted say there would be a verification process - direct deposit to my non Wells Fargo account so that I can use to verify my account. But after the try three times, I have never received the direct deposit and the verification has never succeeded. Every time I need to have a call and wait for around 1 hour with them but they never try to help the problem. They just asked me to wait for long time- like 1 hour and hang up again and again.

The process of Wells Fargo side to verify on adding a non Wells Fargo account never succeeded. They are not helpful to solve the problem. They are trying to ask people to create a Wells Fargo checking account in this way if they dont want to help with solving the non Wells Fargo auto pay problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, About the Telephone Company, XXXX & a new Credit Company called - " Affirm " - These 2 companies did adverse decisions- They said that I could not get the 0 % Interest Deals!

Then- they failed to provide an FCRA Adverse Decision Letter. 
I was expectingthat kind of letter - - explaining Y the adverse decision happened & what Credit Report was pulled & how the customercan get a copy of that report. 
They failed to send that. 
They wood not say what companies were pulled. 
Was it XXXX? 
XXXX? 
XXXX? 
XXXX? 
XXXX? 
Some other company??? 
And Affirm spammed me with advertising that tries to sell bad deals for pplwith bad credit! 

Also - Affirm did not give me a telephone number to contact Affirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at XXXX and Transunion and needs to be removed.
Product: Credit reporting or other personal consumer reports

Web bank ( XXXX ) and Midland Credit Management are reporting the same collection. 

Web bank, account number XXXX. 

Midland Credit Management, account number XXXX. 

XXXX reported due for both {$280.00}.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$790.00} XXXXXXXX XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following invalid inquiries are reported on my Transunion  Consumer Cr edit Report :  XXXX   XXXX   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX   XXXX , regular inquiry,  XXXX / XXXX /   2016  I have contacted the companies to have them removed!
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency XXXX XXXX XXXX whom I never had an account with have failed on 2 attempts to provide written proof with my signature that I had a account with them. XXXX states on 2 disputes that the information is correct and has been verified but have not provided me with written proof. I would like for XXXX to provide me with written proof with my signature showing that I had a contract with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

i have an unauthorized accounts and inquiries on my Transunion account that wasnt made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a charged off account with Automobile Acceptance Corporation and I requested a 1099-C from them in writing and over the phone. They stated that they're not going to provide me with that information although they have it handy. I am requesting help obtaining a 1099-C cancelation of debt from them.
Product: Credit card or prepaid card

Last month, XX/XX/2019, I received notice from American Express ' Bluebird card stating my Bluebird account has been permanently closed because I failed to pay an overage fee of {$2.00} of which I was unaware of because that I had forgotten it because of my medical condition where I've had some XXXX XXXX problems previously. I immediately called Bluebird to pay the {$2.00} balance on my account. They would not allow me to pay the money ( claiming they'd prefer a triple-dip tax credit ) and they would not allow my account to be reopened or allow me to open a new account. It is important that I have this account as I have a XXXX brother whom is extremely poor I'm his only surviving family member. Bluebird it the only way I have to transfer money to him without a fee in times of his need.

The people at Bluebird were rude, disrespectful, and attempted to shut me out of any communication with them. Fortunately, all my years of working at the XXXX XXXX in a high level capacity I was able to get through to them. That seemed to make them even unhappier that I was putting them on the spot and the " supervisor '' was seemed in the end of the conversation to pretend she couldn't hear me. However, she could because I would say some things that weren't putting her in a uncomfortable position and she would answer properly. 

I want to pay the amount I owe then of $ XXXXUSD as I don't want it as a negative entry onto any consumer reporting agencies in the US. , and I want my SAME account reopened so as I can continue to serve my family member ( whom is also a Bluebird account holder ) as I have always done. My Bluebird account number is : XXXX XXXX XXXX
Product: Vehicle loan or lease

Subject : Dispute Regarding XXXX XXXX  Account Reporting Inaccuracies Complaint Details : I am filing a complaint against XXXX XXXX regarding significant inaccuracies and incomplete information in the reporting of my account, which has caused harm to my credit profile. Below are the details of my dispute : Account Details : Account Number : XXXX Date Opened : XX/XX/year> Original Loan Amount : {$21000.00} Status : Repossession ( Paid ) Type of Account : Installment Loan ( Auto ) Issues with the Reported Information : The account history contains conflicting payment details. Payment amounts are inconsistent ( {$0.00}, {$40.00}, and {$1000.00} ) across different months, and the reporting lacks a clear breakdown of how these payments were applied. 
The repossession status is reported as Paid, but there are no supporting details to clarify how or when this was resolved. 
Critical information, such as the " Date of Last Payment '' and " Date of Last Activity, '' is missing or incomplete, creating further confusion about the status of the account. 
The reporting terms ( biweekly payments, balloon payments ) are ambiguous and do not provide sufficient detail for verification. 
Negative Impact : These inaccuracies have adversely affected my credit score and led to difficulties obtaining credit. Additionally, I have experienced significant stress as a result of this misreporting. 
Actions Taken : I have attempted to resolve this matter directly with XXXX XXXX by requesting validation of the debt and a complete explanation of the accounts history. To date, I have not received a satisfactory response. The credit bureaus have also failed to resolve the discrepancies despite multiple disputes. 

Relief Sought : Removal or correction of all inaccurate and incomplete information related to this account from my credit report. 
A thorough investigation into the reporting practices of XXXX XXXX to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Any additional remedies or compensation as deemed appropriate by the CFPB. 
Supporting Documentation : I am attaching the following documents for your reference : Copies of my credit report highlighting the inaccuracies. 
Correspondence with XXXX XXXX and credit bureaus regarding this dispute. 
Any other relevant documents that provide evidence of the reporting errors. 
Thank you for addressing this matter promptly. I am confident that the CFPB will ensure compliance with consumer protection laws and resolve this issue effectively. 

Contact Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX Phone:XXXX Email : XXXX XXXX
Product: Credit reporting

This is the XXXX hard hit I have received in the last week. XXXX being from some company called XXXX and now this XXXX XXXX which is apparently XXXX. Both of which have done this without any consent on my side. I have no clue who XXXX is and XXXX I have never signed up for their credit always used my bank accounts. When started to dispute the first hit XXXX claimed to have put a fraud alert on my SSN so anyone who requests anything would have to get secondary permission. Well apparently not since this just happened again today.
Product: Credit card or prepaid card

This is in regard to an original complaint which was filed earlier. Please see complaint no XXXX. 

City Thank You card was still not reporting my credit usage to the three major credit bureau despite their assertion that they will correct their error, and report my credit usage. 

This has become a burden to a consumer like me, dealing with this Bank that deliberately and negligently uses their power to limit a persons ability to do anything such as purchasing a home. They caused me a lot of harm despite my being a credit worthiness by paying and obtaining a credit use even as an authorized user. I provided all my info such as SSN upon request, but they still did not do anything! 

I request CFPB to provide a clear action instead of just closing the complaint, based on the company input. I also request CFPB to provide me counsel to litigate this matter henceforth.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a call today from Allied collection agency. The person did not identify himself as he was calling from a collection agency. He asked if he was speaking to XXXX XXXX and I said yes then he asked if I could verify my birthdate and when I told him if this was from a collection agency I wasnt going to give any information because I do not owe the debt. XXXX XXXX  is charging me for a treatment my son did not complete at their office, why should I pay if they banned me and terminated treatment. I told them i am not going to pay for a service we did not receive. He wanted to help me but wanted me to verify an address I no longer live at. When I refused he hung up. This account was sent to collection by XXXX XXXX. I have called XXXX XXXX  at least 5 times to straighten the problem but no one has ever helped. Im the last phone call made was on XX/XX/22 at XXXX : XXXX XXXX, I spoke to XXXX and she said she would sent the account for an audit and would send a final bill. Up until this day I have not received anything from XXXX XXXX The only thing I received was a message from XXXX XXXX that the account was in collections and today the phone call from Allied.
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XX/XX/XXXX
Product: Debt collection

I received a debt collection letter from   XXXX   XXXX   XXXX    XXXX   XXXX   on behalf of Barclays Bank Delaware. The amount is {$3100.00} and their account #  XXXX . They also filed a lawsuit against me ( case #  XXXX  ) I called the Law Firm and I spoke in the to   XXXX   XXXX   I informed her that I 've never done business with this bank. I was asked for my last 4 digits of my SSN.   XXXX   XXXX   XXXX   told me that that my SSN in the account does n't match the last four of my SSN.
At that point I tough that the it was the end of it but that did n't happen. They keep sending letter and sending collector to my house.
I need this to stop.
I sent them copy of the   XXXX   major credit reporting agencies with (  XXXX ,   XXXX   XXXX  ,  XXXX  ) that shows that I have no outstanding, late payment or collection in my credit report. I sent a copy of my  XXXX , A copy of my military service connect   XXXX    payment so they can corroborated the last 4 of my SSN.
I also told them that to perform my duties at my job I needed a security clearance and my last SC was Finnish in  XXXX /2016 flying colors. All this info and they still coming after me for something I do n't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain inquiries 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 alleged identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$69.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Netspend sent me a debit card, with a valid magnetic strip and number that appears non-generic, without me having previously done business with the company, and without my permission. It was my understanding that sending payment cards thru the mail to unsolicited recipients was unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX XXXX XXXX acquired the mortgage from XXXX XXXX. 

On XX/XX/, I submitted a claim with cfpd due to the delay in responding to my XX/XX/ inquiring. XXXX acknowledged receipt of the XX/XX/XXXXletter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.