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

Upon viewing all three credit reports from the credit bureaus, I began to inquire about the validity of the accounts. I then began to question the bureaus to verify and validate all the accounts listed. All three agencies have failed to verify the accounts as required by the Fair Credit Report Act Section 609 ( a ) ( 1 ). All correspondence was forwarded via certified mail and standard mail on XX/XX/2022 to ensure its arrival. ( tracking numbers have been provided ). TransUnion forwarded correspondence advising dated XX/XX/2022, that they received the request that included my information, but didn't appear that I or a properly authorized third party sent it to them. The document in question was signed on XX/XX/2022 in front of a notary where a valid ID was required. All in attempt to avoid and delay this process which should have concluded within 30 days.
Product: Checking or savings account

On XX/XX/XXXX at XXXX my XXXX account was hacked via a XXXX on my personal PC. {$1100.00} was withdrawn from my XXXX account and deposited into a fraudulent XXXX account opened in my name by Chime Financial , Inc. Since the fraudulent account was setup in XXXX with " plaid verification '', at that time I did not know where the money was sent. XXXX would not provide me any further support to recover the money or provide details on the account. On XX/XX/XXXX I received a debit card in the mail from Chime for the fraudulent account, including the XXXX account number. I immediately contacted Chime and reported the account as fraudulent, they would not provide me any information about how the account was opened or about the status of the money in the account. I tried getting this information from Chime for over a year, with 55 email correspondences and many phone calls. Eventually they provided me a checking account statement on XX/XX/XXXX showing the money was stolen from the account almost immediately after it was opened and before sending me the debit card. They still won't provide me any information on how this account was opened in my name or refund the money that was stolen from me. I filed a local police report on XX/XX/XXXX and an FTC complaint on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My natural inalienable XXXX given rights are being violated pursuant 15usc1681c-2 by all three credit reporting agencies. ( XXXX, Equifax, and XXXX ) Each agency which has no authority granted by Congress to report any of my information being a private Man, further more without my express written consent. 

But on the XXXX day of XXXX in the year XX/XX/XXXX all agencies received by certified USPS an FTC identity theft report along with a written order to block and remove those accounts and information in accordance with FEDERAL LAW pursuant 15usc1681c-2. ( Please see attachments ) ( My request did not meet the criteria to decline or rescind, according to 1681c-2. ) It has now been 6 days from the date of each agency signing for my order, and I am with the understanding after 4 days of receipt without verification of mentioned accounts they are to be removed. After several conversations with each agency, I was informed by them all that they have started an investigation and dispute process according to their " Agencies Regulations. '' The deceitful language being used implies that their inhouse corporate regulations supersede and outweigh the ruling authority of the FCRA. 

1. I did not give express written consent to start a dispute. They did not receive dispute letters.

2. Never gave express written consent for the initial reporting of anything being reported, factual or not!

2. If it is my responsibility and no one else to protect my faculties, that including fair credit reporting, makes it is also my duty to expose those who take an unfair advantage of my rights as Man. 

Although Exhibit B is titled Transunion be not mislead, each individual agency received their own personalized FTC Report and Cover letter.
Product: Debt collection

I sent this company a certified settlment offer letter with return receipt and someone from their office sign for the letter. I havent receive any contact from this company in over 30 days.
Product: Debt collection

I 'm a victim of identity theft someone got hold of my information and try to opened up accounts in my name.
Product: Credit card or prepaid card

I have maintained my account with Citibank for several years. Never a late payment. 

I had a credit line of {$4600.00} My XXXX statement had a balance of {$3500.00} I paid {$2000.00} XXXX before due date, not late ) reducing my balance to roughly {$1500.00} and had {$700.00} in new charges putting my balance around {$2200.00}. 

I get a letter dated XX/XX/XXXX saying my credit line had been reduced to {$2300.00}. I was a little upset that my card just went from less than 50 % usage to 96 % which would have hurt my credit already. However, after adding interest and fees 4 days after the letter this put my card at over 100 % usage and over limit reported to the credit agency 's further hurting my score. 

So I went from paying {$2000.00} to reduce my usage rate ( I am in the middle of refinancing my house ) and a little over 45 % usage to over limit with virtually zero notice.

Obviously, this has a negative impact on my credit score. 

For reference, I have zero late payments on credit and no cards over the limit.
Product: Vehicle loan or lease

XXXX XXXX XXXX updated XX/XX/2022, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached.
Product: Checking or savings account

On XX/XX/year>2024, I walked into the Wells Fargo Branch in XXXX XXXX, TX, to close my savings account to retreive my funds. Wells Fargo employee informed me they sent the funds in my savings account to Unclaimed Property ( State of Texas ). Wells Fargo never asked for permission to do this and did not contact me. The employee told me he had contacted Unclaimed Property and they would have a check for me in XXXX weeks. 

On XX/XX/year>2024, I called Wells Fargo, spoke with XXXX in Customer Advocacy Group and XXXX in Digital Support Team. I told XXXX I wanted a transcript of my conversation with Wells Fargo on XX/XX/scrub> 2024. XXXX goes silent after I remain on the phone for an inordinate amount of time. XXXX does not respond to my questions, asking if she is there several times, yet the phone is live on her end. I tell her she gives me no alterative than to sue in small claims court to subpoena the information needed. XXXX remains silent and does not respond. 

I just want my money back.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that a consumer has 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.
Product: Credit reporting

Dear CFPB Staff, I contacted Equifax Credit Reporting Agency back on XXXX XXXX, 2017 to give them my new address and to request my free annual credit report. They then sent me a letter back saying I needed to send them a copy of my Utility Bill along with proper Identity documents showing who I am. This has been done. However, it 's now been over 60 days and I have yet to receive my annual credit report and check if there 's anything I need to correct.
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 : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX and list of Inquiries. 

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 XXXX5 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: Payday loan, title loan, or personal loan

Bank : Ally Financial ( Spouse is deceased ) Auto loan was paid in full {$7700.00}. Payoff at the time of payment made for payoff was {$7300.00}. Ally Financial owes me {$390.00}. I have emailed and called them since XXXX third. I have payoff from bank who paid them and I have Ally Financial paid in full letter which is some what vague. I have been contacting them since XX/XX/2020. Ally lied and said they sent the check. They have had me repeatedly calling them. Each time they cancel the previous check they sent out. It is a cycle to prevent from paying me the money owed. I need the money owed to me from Ally Financial. They have cancelled the check 4 times and refused to provide the check numbers. Each time I call their XXXX XXXX XXXX it routes me to  XXXX call center where you know you will not receive a response. Not allowed to speak to anyone in US. Scam and fraudulent practices.
Product: Credit reporting or other personal consumer reports

I was given hard inquiries by companies that i never I signed up with before. The companies include : XXXX XXXX XXXX, XXXX XXXX, Truist auto, XXXX XXXX and XXXX CRE. These all occurred in the year 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I tried opening an account after closing an account due to it being over drafted over XXXX dollars. And was denied
Product: Credit reporting or other personal consumer reports

I am sending this dispute to formally dispute the fraudulent information listed on my credit report, which I believe is the result of identity theft and human trafficking. In accordance with Section XXXX of the Fair Credit Reporting Act, I am requesting that you remove the following fraudulent accounts from my credit report within XXXX business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Upon recent review, I noticed that my closed XXXX account is not being reported consistently across all XXXX  credit bureaus. Some bureaus have listed late payments added in XXXX, despite the account being closed in XXXX. According to the XXXX XXXX guidelines, which require standardized and accurate reporting for consumer accounts, the addition of new late payments on a closed account is both erroneous and misleading.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I received {$900.00}. I attempted to w/d it and found out that my account was frozen due to a civil lien that was erroneously filed. My attorney was able to get this fixed, and the attorney that filed the lien sent a release to Cash App/Square at the end of XX/XX/year>. I emailed the company on XXXX, and they acknowledged that they had received the release. I then questioned them as to when they were going to release my money. They told me when they get around to it! This is not acceptable ; this should have been done immediately. I have emailed the company numerous times, and they do not reply to my emails. I have called them, and they have people that answer the phone that do not speak proper English, and I could not understand them, and some of them hung up on me. I have contacted the company through their app only to encounter AI not a real person.
Product: Debt collection

XXXX calls REPEATEDLY : EVERYDAY, SEVERAL TIMES A DAY, ANYTIME OF DAY OR NIGHT and has been doing so for at least a year. I reported them before ; they stopped calling periodically. Since then, I HAVE BLOCKED THE number. With the initial call, I responded that I have no debt with their company, please remove my number, and that our number is on the Do Not Call Registry. All for nought! This has got to stop! This is a household of elderly persons -- if anyone really gives a XXXX -- with one who is XXXX XXXX!! This is s-o sad that taxpaying citizens must endure such horrific ( and unnecessary ) harassment!! Getting rid of landline phones is not an option for the majority of ELDERLY persons!!!
Product: Student loan

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DEPTEDNELNET with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Product: Checking or savings account

I have been trying to open an account with Navy Federal for about a year and 1/2 now close to two years. I'm elegible since my grandparents serve in the XXXX and the military. I called federal navy several times and ask for an update on my aplication and through out the years I got the same response that I was ineligible because they couldn't verify my information and that's is just absurdb I sent every document they requested multiple times, I don't understand how can they not verify. 

I sent all the requested information Drivers license W2 Car registration Utility bill Green card Ban statements Today I finally got an answer from a very nice lady that said that once they put an alert that they couldn't verify my information all my aplication for membership will be taken but denied. I asked if there was a timeline for me to apply and she said I could always apply but it would lead to that same decision. 

I provided everything requested and I feel like navy federal had more then enough information to open my account they just have chosen not to based on their own faulty system and wish for them to reconsider and make things right by verifying my information and approving my rightfully right to membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX  I have been a victim of identity theft. I have sent a my identity theft report along with a police report to the credit bureaus on  XXXX  2017 an d I have no problem with  XXXX  but transunion did not honor it. I know transnion is suppose to send a code and the creditor is suppose to agree to that code. These accounts federal loan servicing are all reporting from a fraudulent account in  XXXX  Ga. I stay in  XXXX  and have stayed there all my life. Transunion has my report and they have a police report and they are breaking federal law by not deleting the known fraudulent accounts not to mention they acknowledge the account is fraudulent and they acknowledge having my police report.
Product: Credit card or prepaid card

Best Buy Credit Services, Citi Bank. Morally Bankrupt? 

First off, I think it is safe to say a {$60.00} fee on {$500.00} line of credit is outrageous. I think this fee is purposely more than the minimum payment so Citi can accrue interest on it by spreading the payment out over multiple months for customers enrolled in autopay. 

In XXXX I purchased a laptop on the CC to help with online classes I was taking at the time.I made several other purchases over a 6 month time frame. 

In XX/XX/XXXX I paid an annual fee and asked for the account to be closed, the customer service rep convinced me to keep the account open, as a favor she would reduce the amount I owed. To paraphrase, she explained it was in my best interest to keep the account open since the fee was taken care of. Understanding that closing a credit card could harm my credit, I enrolled in auto pay at that time. 

In XX/XX/XXXX an automatic payment was applied to the account for the XXXX annual fee but not for the total amount, I switched banks between XX/XX/XXXX and XX/XX/XXXX. The next month the payment failed. 

I have another account with Citi that I was current on this entire time. 
I called in late XXXX to close the account and I thought this brought me to a XXXX balance but apparently I was mistaken. 

As of XX/XX/XXXX my credit report reflects the account is closed by the creditor. Late payment of over 90 days balance of {$150.00} that Citi forgave and did not send to a collection agency. 

As a result my credit score was dinged about 80 points from around 705 to XXXX Citi employee XXXX of Best Buy Credit Services team # XXXX denies that it was predatory to offer to reduce my balance if I would consider keeping the card open in XXXX. Citi also denies that a {$60.00} fee for a {$500.00} line of credit is predatory because I could have requested a credit line increase at any time. Citi claims that as a young person I am a credit risk and thus a {$60.00} fee is justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICROBILT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report XXXX/XXXX  XXXX {$4300.00} XXXX   XXXX XXXX {$1800.00} XXXX XXXX {$3000.00} XXXX  XXXX XXXX {$11000.00}
Product: Mortgage

I am a XXXX representing my client in her efforts to obtain a loan modification from Wells Fargo. Throughout the entire process, which still has not been resolved, Wells Fargo has failed to take proper action, has imposed unrequested and secretive " cease and desist '' orders which prevented my client, her ex-husband, and her housing counselors from communicating with Wells Fargo without any knowledge or permission, Wells Fargo has irrationally and wrongfully and repeatedly refused to accept legitimate documents from my client to establish evidence that my client was conveyed titled to the subject property and that she obtained a valid divorce ; when I have escalated these problems to higher persons, I have been assured that the problems have been resolved and that I could call the supervisor directly if a problem occurred, only to discover that the problems were not resolved and that the supervisor deliberately failed to return my phone messages and refused to call me until I sent a written email. Today, when the supervisor called me and refused to address the problems I raised, he refused to permit me to speak with his supervisor and he refused to give me the name of his supervisor, telling me that I would not get any different result from a supervisor. This treatment of me and my client has persisted for more than six months. 
FINALLY, reviewing my files of this case, I just realized that Fannie Mae never responded to my XXXX XX/XX/2014 Complaint which I submitted in regard to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit line XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA VIOLATION ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX