23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX  Account name : 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 an 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: Debt collection

Credit Control Corp of XXXX XXXX, VA sent me a series of collection notices for payment of overdue disputed medical bills. After I paid each one, they would send another. When I asked them to send me an itemized accounting of the billing, they simply restated what the medical facility had sent to them with no accounting for what I had already paid. Finally they sent me a bill for {$60.00} which I declined to pay until they provided me with some sort of accounting. They promptly paced a collection report against me with XXXX  ( the subject of my next complaint ). In order to clear my name I paid them the {$60.00}. They said they would remove the collection report, but they never did. They have only stopped sending me bills when I threatened to report them to the Virginia Attorney General 's office.
Product: Debt collection

OnXX/XX/XXXX I decided to pull my credit report from XXXX XXXX because I was building my new credit which I just establish with my recent assigned social security. But it was a surprise that I found a company called Fair collection and a debt for {$7000.00} which I did not have any idea that I had. I was unaware about this, I had lived since XX/XX/XXXX to the same address. I contacted this company and they said I owed this amount and needed to be paid in full. So, I request debt validation and I haven't received any information, also I went to filed a formal complaint to the police station closed to me. I sent out to them a complete report about this. They still saying that I OWE something that I was never be notified as mine, also I did not have any calls or previus information, they never informed me about put this on my account, if they had my information why they didnt send me a bill or statement to my address. So, I had less than a year with my credit and this people is making my life miserable because of it. I'm so disapointed about things works here. This people have very bad reviews and complaints everywhere, its something it needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX, XXXX and Transunion. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, they have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Checking or savings account

The beginning of XXXX my boyfriend and i got into a fight which resulted into him going to jail. 
We share a wells fargo account and on the XXXX i believe, my car note was trying to get taken out but it went into the negatives because of insufficient funds. Thats when i noticed unauthorized apple pay charges made from our account under HIS debit card. 
First of all, his card is in the possession of the police department because they took everything on him & second, his phones are in their possession as well. 
I later found out that his mother told his ex to go to XXXX XXXX to get his number transferred to new phones. His ex decided to keep the phones instead of giving it to his mother. She logged into his XXXX and transferred money to herself through XXXX XXXX. 
I made several claims with wells fargo and i keep being told i will receive a call but i havent. all they can tell me/ask me is about his card and if i had possession of it and if anybody else knew his pin, and im like it was through apple pay!!!! i dont know any of his passwords NOTHING.. hes in jail! nothing was authorized! i keep explaining to them i have bills to pay, that account i use to pay bills and now i cant because i am waiting for over $ XXXX that was taken..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Consumer Adjusment Co to verify their mailing address because it is forever changing and the address they had listed on their website vs the address they had listed on my credit report was different. The address on their website was supposedly accurate ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while the address on my consumer report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was listed as " out of business '' on XXXX, but that's recently been adjusted and now there's a new address on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which does not exist and shows up only as XXXX XXXX XXXX and nothing in that building has them listed as business. So figuring out which address was unreasonably confusing and once I got confirmation over the phone what the correct address was ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I mailed out a request for debt validation on XX/XX/XXXX via certified mail ( Tracking no. : XXXX XXXX XXXX XXXX XXXX ). This notice was marked as delivered on XX/XX/XXXX as " Left with an Individual/Front Desk '' . 

To this day, XX/XX/XXXX, Consumer Adjustment Co has completely failed to respond to my request for debt validation AND remove the item from my consumer reports. I have allowed several additional business days to account for the possibility of mail being slow and I have received nothing. Because they have failed respond at all they must remove the account from my consumer report, they are, at the very least, also in violation of 12 CFR 1006.34c, 12 CFR 1006.42, Regulation F, and 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After reviewing my report, I have identified multiple hard inquiries that I did not authorize. These unauthorized inquiries are negatively affecting my credit score, and I am concerned about potential fraudulent activity involving my personal information. 
The inaccurate hard inquiries I wish to dispute are as follows : ALLY FINANCI XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALLY FINANCI ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALLY FINANCI XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. Since I did not consent to these inquiries, I request an investigation and their immediate removal from my credit report. I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) regarding this dispute, and I am escalating my request through your office to ensure a resolution. 
Attached, I have included : A copy of my credit report highlighting the disputed inquiries Please review my request and advise on the next steps to resolve this issue. I appreciate your prompt attention and look forward to your response. You may contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX ARE REPORTING INACCURATE PERSONAL INFORMATION ABOUT MY SELF. I HAVE SENT THEM CERTIFIED LETTER INCLUDING MY ADDRESS CORRECTED DOB AND WITH UTILITY BILL INCLUDED. THEY HAVE NOT YET RESPONDED TO MY REQUEST TO REMOVE ALL INACCURATE INFORMATION OFF MY CREDIT REPORT LIKE MISSPELLINGS IN MY NAME, MULTIPLE SSN VARIABLES. EQUIFAX HAS MY DOB AS XX/XX/XXXX I WAS IN FACT BORN ON XX/XX/XXXX AS A RESULT THEIR ARE MULTIPLE ADDRESS AND EMPLOYMENT RECORDS STATED ON THE CREDIT REPORTS THAT IS SEVERLY HURTING MY CREDIT SCORE AND COMPLETELY DESROYING MY IDENTITY. 
ONLY INFORMATION THAT SHOULD BE ON MY REPORT SHOULD BE THE FOLLOWING. EVERY OTHER THAN WHAT IS TYPE AND PUT INT0 THIS SECTION SHOULD BE APPEARING ON MY CREDIT REPORT. 

1. My Name : This is my legal name : [ XXXX ] [ XXXX ] Please delete any other references to names as they are not mine and I have never used any of them. 

2. My Address : Also, please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX  XXXX ] [ XXXX XXXX, New Jersey XXXX ] Please delete any other references to ADDRESSES as they are not mine and I have never used any of them. 
3. My Date of Birth : XXXX XX/XX/XXXX ] AS STATED ON COPY OF DRIVERS LICENSE ENCLOSED WITH LETTER. Please delete any other references to my DATE OF BIRTH as they are not mine and I have never used any of them. 
4. MY EMPLOYMEN HISTORY : [ I HAVE NO EMPLOYMENT HISTORY ] Please delete any other references to EMPLOYMENT as they are not mine and I have never used any of them 5. SSN VARIATION [ XXXX ] Please delete any other references to my SSN as they are not mine and I have never used any of them 6. PHONE NUMBERS- [ XXXX ] Please delete any other references to PHONE NUMBERS as they are not mine and I have never used any of them 7. EMAIL- [ NONE ] Please delete any other references to EMAILS as they are not mine and I have never used any of them. 
Please send me a new report when you are completed so I may continue to verify its ' accuracy.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XX/XX/2020 ) I'm now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

ACCOUNT NUMBERXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous reports of delinquencies on my credit report for my XXXX XXXX XXXX lease through JPMCHASE finance. JPMCHASE did an investigation and identified they made mistakes and reversed the 6 months delinquent reporting. Now, two months later the delinquent reporting has come back with new dates reporting XXXX and XX/XX/XXXX past due 30-60 days. 

Calls to JPMCHASE confirm no balance is or has been past due. 

My credit report is severely tarnished once again and has caused tremendous issues with bank loans and home refinance. 

JPMCHASE has been extremely difficult to work with. Im unable to get phone support and agents once again say there isnt a problem. My credit report says otherwise. This has been ongoing over one year.
Product: Checking or savings account

I booked a resort and was charged with the card I had on file for the reservation. The company said they don't take deposits and who ever did it wasn't affiliated with their company. The transaction had the company 's name on it XXXXXXXX XXXX than told me that I should contact my bank and authorities since it was most likely fraud. I let Wells Fargo know this and put in a claim after investigating, they declined it, in order to open the claim again, I had to send in evidence, which I did. Which included the person I spoke to at XXXX to make the reservation and the email with the XXXX supervisor telling me that fraud had occurred. Wells Fargo than told me my case didn't meet the requirements of fraud ; they didn't protect me as a consumer and customer and resolve my issue. They told me to contact the merchant, but it was not the merchant to contact since it was FRAUD. This was {$1200.00} dollars, and they told me they couldn't do NOTHING about it.
Product: Prepaid card

Re-opening of case # XXXX*Update*I was told by US Bank that I would have a resolution on this issue by XXXX/XXXX/15. Today is XXXX/XXXX/15 and they still have no answer. I initially figured since they took my case early on and processed it and gave me a deadline they would meet, that I would n't have to worry about it. Obviously I was fooled. I am now continuing the complaint. Please call my cell phone if you need further verification or clarity on this issue. 


I purchased a {$500.00} XXXX Gift Card from XXXX 's that was issued by US Bank. The moment I opened it up, I realized something was wrong with the packaging. I tried to use it and was not able to. I realized the card was already compromised, so I called US Bank ( card issuer ) immediately to shut down the card. They confirmed with me over the phone that the card was shut down and I just had to fax in the paperwork for the card replacement. That was on XXXX/XXXX/15. I faxed in the paperwork a ( XXXX ) few days later for the card replacement. Fast forward to today XXXX/XXXX/15. I called in to check on the status of the card replacement, I received a response from them saying they could not replace the card because funds were used. Now how did this happen on a shut down card is beyond me. Either the rep lied to me and told me she did shut it down on the spot, or she never did it to begin with. Either way, both scenarios demonstrate the incompetency levels of US Bank service reps. Now, instead of waiting for a card replacement, I now have to file a fraud report because the genius of a US Bank service rep did not do her job. Also, this genius rep did not put in any notes on the account either, so when other reps looked at the account, they saw nothing of the shutdown ( or so I 'm told ). I 'm expecting this to take another XXXX months to get resolved ( if at all ) courtesy of incompetent service reps.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXXXXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$22000.00} XXXXXXXX XXXX XXXXXXXX Balance {$8800.00} XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX XXXXXXXX XXXX Balance {$13000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$310.00}
Product: Checking or savings account

I have been with USAA for XXXX  years. On XX/XX/XXXX at XXXX XXXX XXXX  i received an email saying my debit/atm card was removed from my mobile device. Another email blocking my access to online accounts. No phone call or advance warning of any kind. I called a banking specialist and was told in accordance with their policy, they no longer wanted my business due to fraud. No explanation of what fraud. I have had restrictions on my account for wire transfers because the company thought i was being scammed. I was told my account was under review. I have no problem ending my banking relationship with USAA. They put me in a bind, without proper notice, in conducting transaction for bill paying and living expenses. They indicated my account would remain open for 60 days then closed by them. A letter is enroute to me from them but i have not received it. I can make deposits but thats it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against American Honda located in XXXX, Georgia. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, American Honda has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX  Account. My mail had also been intercepted by the perpetrators for over XXXX years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.
Product: Credit card or prepaid card

Purchase a prepaid American Express Serve card almost {$500.00} was put on it when I purchased it. 
I activated the temporary card. I went to use it and the money is gone. I did not register it it said you can use it just activate it and use it. I needed to pay bills I was not planning on reloading it. So I use it as a temporary card like any other prepaid card that I've used I've never had a problem with. Use this for the first time and this is a horrible experience. Contact a customer service couple times and I was told that my name was not on the card it was someone else 's name. And then just received an email stating I authorized the purchase a {$450.00} so I will not get my money back and that is that it will not even let you reply to their email. They will not explain what happened if I authorized something I would like to see my name somewhere. Me being told another name was on the card that I had in my possession in my hand. Pretty much tells me fraud. So if they are not willing to tell me what I authorized and let me know all the information then they're hiding something. They've already told me that there's someone else 's name on the card. They will not give me any more but you authorized it we're not paying you back. Please help
Product: Mortgage

I have previously submitted a loan modification request for assistance on XXXX XXXX, XXXX. My request for assistance was due to a hardship that began in XXXX when I was laid off from my job and I struggled for over a year to find a job where I would earn a similar wage. After securing a well paying job in XXXX and paying off all of the debts I had acquired in XXXX, I fell behind in my mortgage and I was again laid off just XXXX weeks ago. I am presently working toward securing a new job ; however, I am very concerned that my home is scheduled for a foreclosure sale on XXXX XXXX, XXXX. I have submitted a Qualified Written Request, Notice of Error and Request for Information on XXXX XXXX, XXXX and delivered to Wells Fargo on XXXX XXXX, XXXX via XXXX tracking number XXXX ; however, as of today 's date Wells Fargo has not responded ot my request and has not postponed the upcoming foreclosure sale in agreement with the Notice of Error/Request for Information, QWR delivered to them. As such, I kindly request your assistance in having Wells Fargo respond to my QWR, Notice of Error/Request for Information and have them postpone the upcoming foreclosure sale in order to confirm the amount owed as well as explore all available loan modification options available to me. I would greatly appreciate your assistance in saving my family home which has been our family home since my wife XXXX XXXX passed away in XXXX. 
Additionally, I have sent an email to Wells Fargo CEO President and Chairman XXXX XXXX on XXXX XXXX, XXXX and he has been unresponsive. 
Please engage my representative XXXX XXXX XXXX at XXXX as she has my written authorization to speak with you. For your reference, I am forwarding you the supporting documents along with the QWR, Notice of Error/Request for Information, prevoiulsy served on Wells Fargo Bank. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

This loan began while I was XXXX in the XXXX, with XXXX in XX/XX/2008 and was sold to American Education Services. The original loan was for {$15000.00}, I have paid more than the minimum faithfully from day. According to statements, as much as {$3000.00} a year. Somehow the balance on the loan is still {$11000.00} which does n't compute even when taking the interest rate into account. When I call to try and find out how this is not a toxic loan, I am just threatened with leans if I fail to pay even though I never once hinted that I would ever stop paying back my loan. Something does not seem right about all of this and they seem to be hiding something to react this way right out of the gate.