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

Upon Reviewing my consumer report I noticed some collections, charge offs that I did not approve anyone to pull my credit report.
Product: Bank account or service

On XX/XX/2016 I received an email from my local Wells Fargo loan specialist XXXX XXXX stating that he and his manager had called my telephone number and that the person who answered the phone said that I had passed away. This was very concerning to me because I was about to leave out of town for two weeks so I had suspected some identity theft had occurred on my account and that someone was trying to access my funds. I immediately called Wells Fargo customer support to place a full freeze on my account because I had suspected nefarious activity and I also emailed back loan specialist XXXX XXXX to confirm that I was indeed alive and well. 

I am very concerned about what number XXXX XXXX called and if any of my personal details or information was revealed to an unknown individual. I have several loans and a solid business history with Wells Fargo. They have my complete and up-to-date information, including my current telephone number, so I do not understand how and why an employee of Wells Fargo was contacting another individual to talk about my personal account details. Other employees in the past have reached me at my correct number, so there should not be any confusion or misunderstandings. 

I would like Wells Fargo to investigate this issue and give me a full accounting into how this mix up occurred and whether my personal account details have been revealed to another unauthorized individual. I am concerned about the safety of my account and I will keep my account freeze until these concerns are alleviated. If XXXX XXXX called this unknown individual, it is possible that other employees may have as well and could have possibly revealed my confidential details, which is why I am so concerned and I need Wells Fargo to look into this matter. 

Also, is it normal protocol for an employee to email a customer to confirm that they are alive? That seems a little odd to me and I would think that I would be called instead.
Product: Debt collection

This complaint is much more than " Disclosure verification of debt '', " Not enough information to verify debt i.e. amount of debt & name of creditor ''. 1 ) Portfolio Recovery Associates has never properly verified the debts in dispute. 2 ) Portfolio Recovery Assoc. is a collection agency / junk debt buyer. Yet, they continue to report the the two accounts in dispute as if the accounts were open revolving credit lines. Portfolio Recovery claims, on each credit report, that they are a " Factoring Company '', which they are not. Portfolio Recovery is reporting " Terms '' on each credit report. They have been doing so since the original creation of each account. A collection account does not have terms. I have never entered in to any agreement or contact with Portfolio Recovery. They also are reporting a " Failed to pay '' and Past Due amount. In addition, they report a " Payment History ''. Collection accounts should not have a payment history. I do not have any revolving/installment accounts with Portfolio Recovery Assoc.. 3 ) I have disputed each of the accounts with the three major credit bureau 's several times. Portfolio Recovery knowingly is reporting incorrect / false information to each credit bureau. They bought each of the disputed accounts after each account was in serious default and charged off by the original creditors. Portfolio is falsely reporting as a factoring company, they list a past due balance as if these are installment/revolving accounts. Portfolio is negatively affecting my credit reports scores due to their false reporting. I expect full, permanent, deletion of each of the disputed accounts from XXXX   XXXX, and XXXX. Per FCRA, page 85, section 623 ( b ) ( 1 ) ( E ) ( ii ) '' delete that item of information ; or '' ( iii ) " permanently block the reporting of that item of information '' Acct. # 1 : Portfolio Recovery Associates, LLC. Original creditor is XXXX. Alleged balance { {$680.00} } Acct. # 2 : Portfolio Recovery Associates, LLC. Original Creditor is XXXX XXXX. Alleged balance is { {$460.00} }
Product: Debt collection

Wrong information is appearing on my credit report after it has been resolved with the company. 
I filled a complain and XXXX removed it out my credit file, but it still appeared in my credit files.
Product: Checking or savings account

After attempting the close an account with Comerica Bank 5 years ago, the company kept the account open and did not transfer the funds as requested. Instead they deducted XXXX $ a month for 5 years without notification till they overdrew the account. 

Once notified of the overdraw, they demanded that we wire money to make the account whole before they would close it. We acquiesced and sent money to close the account, however the bank then charged a wire transfer fee and again refused to close the account till we paid even more money to close the account. 

This has been a complete scam and waste of our time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX with Experian I applied for bankruptcy while unemployed. While the case was being reviewed, I got a new job. The judge rejected/dismissed the application. 

I didn't go through XXXX  XXXX bankruptcy and confirmed this with the court. I received a dismissal document proving this and paid my debts back. 

Experian has listed this application on my credit report as a XXXX  XXXX bankruptcy. I contacted them multiple times and submitted court documents to prove the truth. 

This has confused creditors and affected credit worthiness. A recent mortgage company almost rejected my application b/c of this confusing info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Experian after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw this XXXX account on my personal profile, I noticed that there was a erroneous Account on my credit report which is misleading to me. I sent a letter to Experian on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this account will be corrected. 
XXXX XXXX XXXX {$370.00}
Product: Debt collection

XXXX XXXX in XXXX Texas is in Retaliation because l terminated my home and auto insurance and went with XXXX XXXX XXXX for both my home and auto. 
XXXX XXXX was cancelled on XX/XX/2015 because of insurance coverage on my home and car. 
My home and car was n't fully coverage and there was loopholes on my contract with XXXX XXXX. 
XXXX XXXX XXXX Agent XXXX XXXX XXXX in XXXX XXXX Texas educated me and fully implemented full coverage on both home and auto without no loopholes or overcharges. 
In due of respect to Farmers Insurance Agent XXXX XXXX that 's XXXX, she did n't look for my interest as a consumer and XXXX. 
I am on XXXX and Retired and on a fixed income. 
XXXX XXXX is also in Retaliation because l filed complaints against XXXX XXXX in XXXX Texas. 
I am protected under my XXXX XXXX act. 
I am not disrepecting XXXX XXXX but l had issues with them since l subscribe Home and Auto insurance starting XX/XX/2015.
Product: Debt collection

XXXX XXXX is calling and harassing me over a debt this is not mine and which is past the statue of limitations, they are violating the FCRA federal laws. I am well aware of my consumers rights, I do not owe this company any money and they have not validated this debt with sending me a signed contract with their company binding me to this debt, proof that this account is not past the SOL which it is, also proof of how much their company bought this debt for, they are violating more than one FCRA federal laws. I am demanding that XXXX XXXX  stop all collection activities and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX and Equifax, due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notices that there was fraudulent accounts on my report. Please remove these account from my report as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I just received a notice in the mail from US Bank that someone or entity tried to applied for a credit line under my private information. I'm really upset about this and this is not the first attempt. Lucky for me the thief was not able to get the credit line because it was not approved accordingly. I would like this to also be removed from my credit cord, being that I am doing my best to fix it. US Bank XXXX needs to do better by protecting people information to prevent these theft from happening. Please le t me know if there is any additional information needed to address this issue head on. Thank you for your time and assistance with this very delicate matter.
Product: Checking or savings account

I had overdrafts when the funds were not available and not knowing that.

I would like to be apart of the class action suit with Navy Federal
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. The account with XXXXXXXX XXXX XXXX XXXX XXXXs not mine and is fraud. I want this account deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX, Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date XXXX Balance : {$3300.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. 
SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 's XXXX, A credit card and Line of Credit has violated my rights. These accounts were past due since 2015 and has been 7 years which should be deleted. I have made multiple request that have caused damages to me personally. I have made numerous contacts with your company and no documentation with proof has been provided as to why they have not been removed. 

15 U.S.C 1681 section 602 ( A ) States I have the right to privacy. 

15 U.S.C 1681 section 604 section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I had my BBVA CARD ONLINE BANK LOCKED ALL BECAUSE THEY SAY I SENT A CHECK SO I TRIED TO DO A FRAUD ALERT TO THE FRAUD DEPARTMENT AND ALL THE CUSTOMER SERVICE REP.THAT HELP ME DIDNT WANT ME TO EXPLAINLIKE SHE KNEW MY SOTUATION AND I GOT UPSET AND I HUNG UP THE PHONE SO NOW I CANT GET ANY FUNDS
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit reports and have found duplicate accounts that are affecting my credit rating showing on my credit file. I have disputed directly with XXXX, and Equifax over 30 days ago and they have failed to remove thesein accuracies. 

XXXX Professional Debt ME Acct # XXXX Showing duplicated three times Equifax XXXX XXXX XXXX Acct # XXXX Showing duplicated four times
Product: Credit reporting, credit repair services, or other personal consumer reports

HSBC Bank conspires to oppress my rights as a consumer with their associates XXXX in their criminal enterprise. They are violating GLBA and FCRA by continuously furnishing my consumer report without my consent and stopping the removal of negative and inaccurate information. Even after the inquiry was confirmed to be removed by XXXX the inquiry remains to be there. They are deceiving me with false information. Please see attached notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

A changed my name legally and opened new credit cards under new name. Everything was reported correctly until few days ago Transunion whiped our all information under my new name and attached it to my old name.
Product: Checking or savings account

U.S. Bank continues to violate the 2022 Enforcement Action of the CFPB. Today I received an email from U.S. Bank stating, " Your XXXX checking e-statement is ready. Your statement for the account ending in XXXX is now available. To view your e- statement, log in to your account. '' To my knowledge, I have never had a checking account with them. This seems to fit your Enforcement Action in which U.S. Bank opened an unwanted account using my personally identifiable information they had back from when they were the processer for an XXXX Master Card I had. I logged in to today 's email using the old login information for the credit card. This pulled me up in their system. I called U.S. Bank today and was transferred to their XXXX Department with which I was on the phone for some time. They could offer no explanation and did not deny it seems to violate the Enforcement Action for a practice you have also caught XXXX and XXXX XXXX. There seems to be no honor among thieves. The Security Department recommended I visit a local branch office ; the same place the bank was found to be incentivizing employees to open sham accounts...
Product: Credit reporting

I Have XXXX hard inquires, XXXX from XXXX and XXXX from XXXX on my Equifax report that are not mine. I tried using Equifax to dispute this but they came back saying that they are mine. But I have never delt with XXXX and I have n't been a XXXX customer in years.
Product: Debt collection

I have been paying this collection agency whose address is XXXX. XXXX, XXXX XXXX XXXX in XXXX, CA because of a XXXX credit card account. First last year they started calling my sister and making harassment calls threatening deportation and legal action. So I decided to call back and they told me that they were Portfolio Recovery Associates and they were collecting my XXXX XXXX account. I made payment arrangements with them every month and my bank sends this electronically to them. My last payment will be in XXXX XXXX, 2015. I am concerned because the address is not in XXXX, Va but a XXXX XXXX XXXX XXXX. XXXX in XXXX, CA. They send me letters of my payments and balance with a bar code and a reference number and with t he Portfolio Recovery Associates , LLC on it and phone number XXXX. I do not know if this is a fake collection agency because when I googled the XXXX address XXXX XXXX XXXX comes up and there has been reports about this fake agency? I called up two weeks ago about my payments and the next day I began receiving harassing calls from a number that has an area code in Texas XXXX and I have been getting calls everyday. They even have a spoof CA area code number but when I call them I get a message that the number is not an active number. I called the XXXX number and got a message that says '' No one is available to take your call. '' As if it is a private residential number. But I called again and a woman answered my call and she told me that they were XXXX and they are located in Washington but when I told her her area code is in Texas she hung up. I do not know they are fake but what I am concerned is about Porfolio Recovery using a XXXX in XXXX, CA. And please help us. I know that we made bad financial decisions and fell behind our debts but we are really trying to get our credit straight but these has gone too far. Please investigate this XXXX address. Thank you.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, OR XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This accounts are hurting my ability to obtain credit. Its my understanding that the credit bureau will investigate this account for me to ensure accuracy. Here is the account I am asking you verify as accurate. 

XXXX XXXX ( Account number XXXXXXXX XXXX XXXX XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  ( Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX ) XXXX XXXX XXXX XXXX Account number - ) XXXXXXXX XXXX ( Account number XXXX )
Product: Mortgage

I have tried to get a loan modification for at least four years. From CitiMortgage my house will be sold on XXXX XXXX, 2015. I have gotten the run around and I can never talk directly with the person assigned to me. I always have to get a call back. some time it would days before the person was available. I have a job and can not spend my work hours on personal business while at work. My loan number with them is XXXX and at one point almost 23,000.00 dollars was paid in arrears and I also paid XXXX payments in a loan modification with them. They dropped the modification when the final papers that needed to be signed were n't back because I had trouble getting my ex-wife to sign them. She is on the loan too. I do n't think anyone can help me it is too late I am sure. The greed of these companies is not right how they want people to give in.
Product: Credit reporting

I received a 30 and 60 day late notice on my credit that was reported by XXXX Bank. I disputed with experian XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their XXXX Account XXXX I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
Product: Checking or savings account

Can not apply dates due to Navy federal closing my account I do not have access to site anymore they have overdraft my account when my balance has shown money in account but when I have made purchases came to find out my account was overdrawn and I have incurred these overdrawn fees multiple times even with their so called oops protection they provide and they will not rectify the problem