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

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was a victim of identity theft. Since that time I have been attempting to remove all fraudulent accounts that do not belong to me from my credit report. Equifax continues to report accounts that were opened fraudulent in my name and without my consent. I have disputed the accounts multiple times and none have been removed. Rather, Equifax claims that the creditors are verifying the information as accurate. However, I know this to be untrue because I have received at least two letters from two companies advising that they performed an investigation and have closed the accounts due to fraud ( XXXX and XXXX ) however Equifax claims these companies verified the reporting as accurate. I have disputed collection accounts including XXXX XXXX XXXX which XXXX and XXXX have removed however Equifax refuses to remove the derogatory information. Additional accounts that were fraudulently opened but remain on my credit report include : a car loan to XXXX XXXX XXXX ; a loan with XXXX XXXX ; and a credit card issues by XXXX XXXX. I disputed these accounts multiple times including XX/XX/XXXX and Again in XX/XX/XXXX and most recently in XX/XX/XXXX, yet the derogatory information along with the fraudulent accounts remain on my Equifax report. I have never received the results and I only found out that they were not resolving my disputes was by checking the report and calling and spending hours on the phone as opposed to receiving written communication with the results. Also, Equifax continues to report the wrong address. I have requested multiple times that this be updated because they are not able to verify me by my current address which has made this whole process even more difficult. Instead, Equifax put a personal statement on my credit report that states " PLEASE UPDATE ADDRESS ''. It doesn't even make sense that that would be on these but it is and I want it removed and my address corrected. This is not fair and it having a very negative impact on my finances.
Product: Credit reporting or other personal consumer reports

There were 3 accounts in which were applied for with XXXX. 
XXXX. ) XXXX XXXX XXXX : I openned this account and fraudulent charges were made on this account. XXXX refused to correcct it and charged me over {$500.00} to close the account. I did pay and close the account to stop the harrashment even thou I did request they research the fraudelent charges but they refused. 
XXXX ) XXXX XXXX application on XX/XX/XXXX application # XXXX is fraud. I never applied for this account. 
XXXX ) XXXX VIP Rewards visa card on XX/XX/XXXX application # XXXX which is fraud. I never applied for this account. 

There also was a XXXX business card account applied for in my exhusbands and my name which was fraudulent on XX/XX/XXXX. Neither my exhusband or myself applied for it. 

There also is a XXXX XXXX account that is linked to my credit report which does not belong to me. ( I believe it belongs to my XXXX XXXX XXXX It is being reported on my credit report as well as his address which I have never resided at. I have addressed this issue previously with XXXX XXXX and it was removed but it is now showing up on my credit report again. I have place a dispute with Experian regarding this issue. 

My exhusband and I have not resided nor applied for any credit together for a very long time. This issue needs to be resolved asap. Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX  but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

In light of recent CFPB lawsuit involving Zelle, I have had occurrences with the platform that involved moving not being directly deposited, missing, or availability of funds to designated individuals. I feel that the company did not do enough to complete and ensure that all transactions via Zelle were processed correctly and adequately. This lack of awareness causes room for error and vulnerability to the end user to be scammed or lose money they trusted would be sent over.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Product: Checking or savings account

In a letter dated XX/XX/2020 Huntington Bank informed me my CD was mature on XXXX XXXX. On XX/XX/XXXX, XXXXI called the bank 's number on the letter ( XXXX XXXX ) to ask how to cash it in. The lobby was closed to customers. I was told I had to call the branch to make an appointment. I was given the number ( XXXX XXXX ). I received a recorded message to leave a message and my call would be returned in 24 hours. By Friday XX/XX/2020 I had not received a call back. I called the 800 number again. The lady told me she call the branch and have them contact me. I also asked to speak to XXXX XXXX on the Customer Advocacy Team. I have a letter from her from a previous complaint. XXXX XXXX was not available and info was left for me to be contacted. As of today I have not been contacted by ANYONE. I want to cask in the CD but the grace period will be passed soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I had completed the payoff of all but one of the debts I had listed with their company, Freedom Debt Relief convinced me to open a loan with their " sister '' company. I signed documents via email that were supposed to be finalized once final negotiations over an {$8000.00} XXXX bill were complete.I continued to make payments in the amount of {$390.00} per month while the amount of the reduction was supposedly being negotiated. 
During the time of the negotiations, the company was purchased by another company called XXXX. 
I have never received a final packet on the loan, no transition documentation on the loan, or any information as to who my contact is or a phone number or anything. But I did receive a notification from XXXX that a new account has been entered on my credit report for {$12000.00}. 
My last statement from XXXX shows a balance of {$1200.00} in the account the previous settlements had been paid with and that money was supposed to be transferred toward the loan amount of the final bill. 
The company refuses to communicate with me probably due to their inability to answer where did the bill amount come from, what happened to the funds in the other account and why can I not get a hard copy of all the information pertaining to the loan transition between companies? 
The amount seem excessive and their refusal to communicate is infuriating. Their phone staff is a bunch of young kids who have no ability deal with people and
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 consumers right 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 7 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

XXXX - Called to verify debt. They asked for SSN, Birthday. It's an collection company. The original debt is through Capital One. XXXX XXXX XXXX sent a settlment offer on XXXX. When I called Capital One today, they stated that XXXX XXXX XXXX does not own this debt and never has ; in fact, XXXX XXXX XXXX owns this account. XXXX XXXX still tried to collect on a debt they do not owe, can not verify, and Capital One states they do not own. XXXX XXXX Inc is committing fraud.
Product: Debt collection

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX All companies violation of many laws with the account, Charged off/ written off accounts can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! XXXX is in violation of FCRA 15 USC Code 1681e B. As well as 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FUR-NISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only address should be reported on my consumer report should state. 

XXXX XXXX XXXX XXXX md XXXX The only name reported on my consumer report should be stated. 

XXXX XXXX XXXX The only phone number reported on my consumer report is XXXX any other names or address and phone should be removed.
Product: Checking or savings account

Multiple transactions cleared and fees would be added that were cleared with my next deposit. No notification to let me know of pending charges.
Product: Debt collection

After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for well over XXXX years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my XXXX XXXX and Trans Union credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX/XXXX : XXXX-XXXX-XXXX-XXXX, XXXX XXXX/XXXX XXXX : XXXX-XXXX-XXXX-XXXX, XXXX : XXXX-XXXX-XXXX-XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX,  XX/XX/2017, XXXX XXXX/XXXX, XXXX, XXXX XXXX/XXXX XXXX, XX/XX/2017
Product: Mortgage

On XX/XX/year> I closed on the property : XXXX XXXX XXXX XXXX, Colorado XXXX. During the closing process, I signed a document ( Promissory Note ) which is a legal document that outlines a borrowers promise repay a loan to a lender under specified terms. XXXX XXXX took the promissory note I had signed with my extension of credit and social security number, and collected on it at the Federal Reserve Bank Discount Window ( only authorized banks can use ) for 90 % of the loans 30 year maturity value which is over {$720000.00} dollars. After XXXX XXXX collected on this Promissory Note with the Federal Reserve Bank, instead of notifying me that my mortgage was satisfied, they failed to report the payment on my debt ledger. XXXXXXXX XXXX then went two weeks after closing, and " transferred servicing '' of my already paid off loan to Freedom Mortgage to collect on the money they have already received. During this process and while still ( as far as I knew ) having signed the mortgage and note with XXXXXXXX XXXX XXXX XXXX was being reported on my XXXX, and XXXX XXXX was being reported on my XXXX. I have come to find out XXXX XXXX is a subsidy of XXXX XXXX  however, I did not sign a contract with either XXXX or XXXXXXXX XXXX  and had not been notified of the servicer change, so why would two different mortgage companies say I have a mortgage with them, when neither is the actual company I have a mortgage with? So, if the Promissory Note is not allowed to be collected on by anyone but an authorized bank with the Federal Reserve Bank, the only one 's who would know how to collect are the authorized bank. It is fraud and breach of contract that XXXX XXXX did not disclose the advance of the Promissory Note to I as a consumer, and even more fraudulent they want me to pay for this mortgage now. That means I lose not once, but twice. Please also refer to U.C.C 3-603 Tender of Payment which explains if the payment is tendered in form of the Coupon provided with the statement ( which was provided to Freedom Mortgage and XXXX XXXX  XXXX, that the debt is discharged if the tender of payment is not accepted. This means, my payment for XX/XX/year> has been discharged by not only Freedom Mortgage, but XXXXXXXX XXXX previously as well. This is due to the advanced collection on the Promissory Note with the Federal Reserve Bank. I am not disputing I signed the mortgage and the Note, I dispute the fraudulent practices that XXXX XXXX and seemingly other entities are involved in with home loan lending and required disclosures. Freedom Mortgage now believes they are my mortgage servicer and I simply dispute this. This loan has been paid in full, due to the full reimbursement ( 30 year maturity ) of the loaned amount, and is now the responsibility of XXXX XXXX to satisfy this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX violated law 15 USC that states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Product: Student loan

I'm making a complaint against the company advantage as they have reluctantly been able to process my payment of my loans. As I've been making multiple payments on date of XX/XX/XXXX for my subsidized loan and again try to make a payment on XX/XX/XXXX for both my subscribe and unsubsidized loan both payments were reversed. In addition to this the company has not even reached out to let me know that the payments reversed. Additionally no I am being faced with additional interest which shouldn't have had happened. I would like this to be fixed I have contact the company through email. Additionally I have sent another email as I reattempted to make the payment on XX/XX/XXXX for my subsidized and unsubsidized loan. I have contacted my bank and they have let me know that aidvantage hasn't even contacted them in response to gain the funds to pay off the loan. I know for a fact that my bank information is correct on the website as it sends me a confirmation every single time I try making a payment and it goes through.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I C System XXXX XXXX XXXX XXXX XXXXXXXX XXXX Minnesota This is a request for validation made in accordance with the fair Debt Collection Practices Act. I dispute your debt collection related allegations, deny the same and demand strict proof and validation thereof. This dispute, denial and demand are made in accordance with federal law. Please complete and return the attached disclosure request form to the above address, which you should use to communicate with me from now on. 

As stated in the previous communication I will only accept written communication. If I receive any calls from your company, it will constitute harassment. Understand that unwanted phone calls are a class XXXX misdemeanor in this state. I will not hesitate in filling a complaint against the caller and your company with the attorney general 's office. I will also inform you that I maintain a detail telephone log of each phone call received from your company. In addition, I will make audio recordings of any call from your company that I deem unnecessary.
Product: Credit reporting

The issues I have is that my twin brother and I for some reason, our SS # '' s are switched and the XXXX credit bureaus are not willing to work with us getting this corrected without paying them for services. We did not make this mistake someone else did and we can not get credit reports and or get positive reports when applying for our student loans. 
How can we get this fixed ASAP.
Product: Student loan

I have several months that are not being reported to the credit bureaus that shows my account as current for all months. The missing months includes that following : XXXX XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, and XXXX XXXX.
Product: Checking or savings account

Someone got into my Citibank account and deposited two fraudulent checks for XXXX dollars a piece. One of the checks cleared and the person then took the money and used XXXX XXXX to pay themselves with the money. Afterwards the check bounced and I was left XXXX dollars in the bank. The individual even tried to pay XXXX dollars using my Citibank credit card to an XXXX XXXX, for products. I lost my phone and wallet when this occurred but was later recovered from the restaurant I was in. Citibank has informed me to not worry as they escalated the situation and closed my account and told me to open a new personal checking account. I do not want to be responsible for paying back the bank if they deem the investigation a failure. I do not have the money to deal with such a problem like this. This is very ridiculous and I just want to be protected at all costs.
Product: Credit reporting or other personal consumer reports

IC SystemsXXXX XXXX XXXX  XX/XX/year> {$270.00} XXXX disputed this account because Ive never had a XXXX XXXX account. I have an XXXX XXXX XXXX business account for the last XXXX years for cellular / internet needs. 

IC Systems / XXXX - XXXX XX/XX/year> {$330.00}. They added another account to my report 7 months later. I disputed it with the company once again. Explaining that I as well as my family all have service through XXXX XXXX XXXX not XXXX
Product: Vehicle loan or lease

On XX/XX/16 I logged into my auto loan account to make a payment. I have fallen behind due to less hours at work but I still make a payment every 2 weeks. I am behind 42 days and was logging in to make a payment. My account said you have been approved for 3 or 4 payment deferments to assist me on my account I just needed to click sign paperwork electronically. I clicked and it stated your modification offer has expired. I contacted customer service and told them I did not know I could do a modification and she said it was only for 48 hours then asked when I could make my next payment? I said I made one today but I am very interested in the deferment so I can be current on my loan. She said sorry you no longer qualify for that offer. I asked what made me qualify and why did it expire the same time I saw the offer? She said I am sorry it is no longer available then again asked when can you make your next payment. They get some reward for securing your next payment and the modification offer was a trick to get me to text them and inquire about the offer. Very deceptive and shady practices.
Product: Debt collection

This company keeps blowing smoke up the CFPB XXXX. They provided exactly what I asked them not to provid and they onow it. 

I want the signed purchase agreement showing how much they paid for the debt and their authority to collect the debt. 

Once again XXXX has pulled one over on the XXXX and blatantly lied about not receiving the letter by certified mail. I will send another certified return receipt and include a copy to FTC when I file with them since XXXX had found a way to skirt around prior issues with CFPB requirements. 

XXXX can provide the requested documents or remove from my credit reports ( all three ). 

Since XXXX has continually ignored this issue, they have 15 days to comply before legal action is taken for failing to provide the requested documents.
Product: Debt collection

I sent a ceased and desist letter to TD Auto Finance, which was received on XX/XX/XXXX by certified mail. Since the TD Auto received the letter they have called and texted multiple times.