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

I work as as a nurse in a small community hospital, XXXX XXXX XXXX XXXX. I believe someone got my ID out of my purse and used my name, address, and XXXX to attempt to open up multiple personal loan accounts under my name. I have had multiple hard inquiries on all three of my credit reports from numerous banks including, XXXX, XXXX, XXXX, XXXX, and most recently Syncrony bank.

I have been in contact with all of these institutions to let them know I am a victim of identity theft and this was not me. 
I have also placed credit freezes with all three credit bureaus. 
My police report has been filed with the XXXX XXXX XXXX XXXX on XX/XX/10. 
XXXX XXXX XXXX Department XXXX Deputy XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I am writing to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX, and DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX  XXXX XXXX I dispute the completeness and accuracy of the information provided for these accounts. The lack of sufficient details to validate these debts necessitates their removal from my credit report. I request that you conduct a thorough investigation into these matters and, if unable to provide verifiable proof of these debts, remove them from my credit file immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

HireRight performed a background check on myself for offer of new job. After I received there response I requested multiple times an adverse action letter under section 615 of fcra. I have not received it or any response pursuant to my request.
Product: Debt collection

The collection agency is attempting to collect {$6900.00}. I have request from the collection agency full account of all charges and payments made on the rental account from the start of the initial lease until move out. I also requested the collection agency to provide documentation that the leasing office at the apartment complex had me signed on the day that they returned the money orders to me for rent that totaled {$3200.00}. The money was returned to me on XX/XX/2021 when I moved out even though the leasing office claimed I owed rent. Then why would they return the money and now the collection company is trying to get me to pay {$6900.00}
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter sent on XX/XX/XXXX, regarding unauthorized hard inquiries on my credit report. While XXXX has responded and removed the inquiries, I have yet to receive a response from your office, and the inquiries have not been removed from the other reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reporting agencies are required to have permissible purpose for accessing consumer reports, which was not the case in my situation. I kindly request immediate action to delete these unauthorized inquiries. I also have an affidavit confirming the incident for your reference. This situation is stopping me from moving on to buy a house. 


XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX OF XXXX ( Bank ) XX/XX/XXXX XXXX OF XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attachedXXXX XXXX XXXX XXXX XXXX Balance {$9500.00}
Product: Checking or savings account

My complaint is with Wells Fargo. I've been with them for the last nine years, and these last two years have been crazy. It's every week that my checking account has been negative. I've called half talk to a total of 4 different representatives, and they have told me other things to do to keep my account from going in the negative, and I had done all of those things. My checking account is still in the negative as of Friday, XXXX the XXXX ; it was - {$300.00}. OK, the 1st representative I've talked to was on Friday, XXXX the XXXX, and she told me to keep a ledger of my spending, and I did that the following Friday, XXXX the XXXX. My account came up negative again, and I called and talk to my representative, and she hung up on me l spent two and 1/2 hours on the phone just to be hung up on by a representative that didn't take the time to hear my concern. And talk to another representative who told me to put all my bills on online bill pay I did that on the XXXX everything seemed to be fine paid a couple of bills. But then on the XXXX that's when everything was back the same I was in the hole with Wells Fargo for {$300.00} and I call and talk to my last and final representative who told me to just start using cash just like he do so I just can't take it anymore I went to the branch and I talked to the service manager and the service manager and she actually listen to me for 2 hours and went over everything in my checking account and when she got to my history of my insufficient funds she said that was enough to have my account reevaluated and put it into escalation and so though I ended up going back and talking to her again that Friday when my account was - {$300.00} was in the negative and I stayed there for 2, and a hours and I'm just yet waiting to hear anything back from Wells Fargo XXXX so this is my complaint I am very unhappy with Wells Fargo, because their over the phone representatives have no compassion whatsoever I was just seen as a number is a number even though I am a XXXX worker I'm worker I have had XXXX I have been hospitalized because of XXXX XXXX From taking care of others and for once I just want someone to take care of me and to listen to me and my concerns because it's not right that every week my account is coming up negative and I am paying my bills I am writing my statements down just to feel as though I am just a number a number to Wells Fargo customer service ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit numerous disputes with XXXX XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE immediately.
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the creditors have acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Oct/Nov 2023 : MR. Cooper sent me an email notice asking me to check online message regarding my monthly payment for the 30-year mortgage I have in XXXX or XXXX timeframe. The message was about increased escrow ammount due to increased tax payment. 
XXXX : because the company sent me so many emails and tried to call me to notify me about the big data breach incident they had, or ask me to refinance my mortgage for their marketing effort, I did not take it serious that I recevied an email to check online. In addition, at the time, I forgot my MR. Cooper login info, so I did not check my online message informing me escrow account was increased. 
XXXX : I noticed my credit score was decreased from over XXXX to XXXX as notified by my credit card company, I checked and realized I was reported as mortgage past due. I called Mr. Cooper and learned that I didn't pay the escrow increase of {$150.00}. I have been paying my mortgage of $ 6229 monthly via my bank 's auto payment all these months. The unpaid amount is less than 2.5 % monthly fee I have been paying. I was furious! 
XXXX : I paid the escrow balance of {$310.00} on the phone and adjusted my monthly payment of mortgage to the increased ammount going forward. I also spoke to the company representative and expressed my shock and disapointment. The representative was very hostile and told me by definition I didn't make the payment. I confirmed that the company never called me or emailed me on the escrow change as aggressive as they did when they tried to market me about refi my mortgage. I also spoke to the manager, and was told that the company would correct my credit report. 
XXXX : My latest credit score is now only at XXXX. I have never missed a credit card or mortgage payment. this is outrageous! 
If Mr. Cooper spent more time on their IT management, they would not have had the data breach incidence and I would less likely to skip their email. In addition, Mr. Cooper called me way too agressive on refi my mortgage that I was afraid to pick up any call from them nor call them. I wish Mr. Cooper to spend more investment on training as well. If I have a choice, I would not have had my loan be serviced by Mr. Cooper. They do nothing to protect consumer 's interest.
Product: Debt collection

Requested incorrect information updated and corrected or removed. 
Instead they began reporting mistakes and inaccurate history, high balance, and account status. The remarks are not the same. I have the right to accurately reported in all bureaus. 
I am asking for what is granted by law. 
Consumer protection from wrong information on credit. 
History, balance, high limits, account status are all different across each XXXX XXXX and XXXX. To resolve a removal is required.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I visited the BJs Club located in the XXXX XXXX XXXX XXXX XXXX, Florida on XX/XX/XXXX. The visit was to renew my BJs Membership with a promotional offer of {$20.00} for a one year membership. The representative offered me a credit card, and I explicitly said I was only interested in renewing my membership and not opening up a credit card account. The following charges have been fraudulently made with this credit card and as an XXXX XXXX XXXX widow I have no knowledge of any of these purchases : XX/XX/XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXXXXXX CA XXXX XX/XX/XXXX LATE FEE XXXX
Product: Student loan

Yet again, MOHELA demands we pay our bill on time, yet they have no accountability in their end. MOHELA does not update their PSLF records to reflect my payments. I paid XXXX bill in early XXXX, yet my payment counts do not reflect that. If MOHELA can require my payment in XXXX why cant they update their records?
Product: Checking or savings account

I opened a checking account with Cadence Bank, under the condition that the account would remain free if I maintained a {$250.00} balance. I kept {$250.00} in the account and didnt use it for months. 

Recently, I decided to close the account and discovered that Cadence Bank had been deducting fees without my knowledge. They charged an {$8.00} inactivity fee, which caused my balance to fall below {$250.00}. From that moment, they began charging XXXX XXXX monthly fees, and I was never notified of these charges no emails, no alerts. 

When I raised this issue while closing the account, the teller of the Cadence XXXX Branch requested the manager, XXXX, to waive the fees. The manager refused to resolve the issue, despite my clear explanation of the situation. 

This behavior feels unethical and exploitative. I request that all deducted fees be refunded immediately and that Cadence Bank reviews their customer notification process to avoid such incidents in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  # XXXX ; Account Name XXXX XXXX XXXX XXXX  # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1681c ( a ) ( 4 ) 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 more than seven years.

15 USC 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: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act these accounts have violated my rights Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

My Best Buy Citibank retail credit card was closed for non payment I was recovering from an injury even though I made a stabilization payment shortly before. I was offered a settlement of less than half but I said let me pay it in full since I want to correct my credit and I don't feel like my account should've been closed while I was injured in rehab. Best Buy agreed to a payment in full payment plan with the due date on XXXX of every month starting XXXX And I set up automatic payments. On XX/XX/XXXX I was told the payment went through. I also tried to make three extra payments in XXXX which bestbuy refused to accept Because they already had a payment and didn't want to mess up the payment plan. I spoke with him over the phone. Then in XXXX I found out that my account was transferred to a collection agency. This means that my credit score dropped 48 points and three months of them reporting my account is negative when they refuse to take the payments Resulted in continual late and higher interest then what is the reality. The reality is XXXX XXXX payment was acceptable but BestBuy chose to sign my contract and transfer it to a collection agency anyway. This collection agency has resubmitted the account back to Bestbuy Retail services twice and more than twice have my disputes been denied through bestbuy. Now I am being asked to fax and email the original contract which I will Attached to this complaint. I have damages the 48 points hurt my credit score and my financial capabilities I feel like I shouldn't of any interest after XX/XX/XXXX and the {$200.00} payment that was due on XX/XX/XXXX if I have to repay it we should still consider how I've lost money because it is negative credit report I should have a discounted rate and they should re-offer me the settlement that they are no longer offering in that settlement should be a settlement for a paid in full because they have proven to be dangerously illegitimate And financially damaging to communicate or do business with.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding XXXX XXXX ( XXXX ) and their reporting practices concerning a charged-off account. XXXX charged off my account with a balance of {$7000.00} as of XX/XX/year>. Despite the charge-off, AMEX has failed to issue an IRS Form 1099-C, which is required when a debt is canceled, discharged, or written off. 

Under IRS guidelines, creditors are obligated to issue a 1099-C for discharged debt exceeding {$600.00}, as the cancellation of debt constitutes taxable income. Once this form is issued, the debt is considered settled, and creditors are no longer allowed to report the debt as unpaid on consumer credit reports.

Impact on Me : The lack of a 1099-C has created complications in tax preparation and reporting, potentially subjecting me to tax penalties or inaccuracies.
Product: Debt collection

IQ Data International contacted me about this debt owed to XXXX XXXX Apartments in XXXX Oklahoma. The collector advised me to get a personal loan or a title loan against my car to pay the amount owed. I stated I was not aware of any balance owed as I moved out of this apartment on XX/XX/2020. IQ Data then called and told me I had until XXXX pm that day to call back and provide a solution. I was able to research this issue and have provided documents supporting the case that went to court and the dismissal. I have made several calls to XXXX XXXX XXXX and left messages for return calls. They have a new management company and may not be aware of this case. This issue had been resolved and I want this removed from my credit report.
Product: Checking or savings account

On the evening of XX/XX/XXXX, we deposited money at the ATM of this chase bank, and then it malfunctioned and swallowed us {$5300.00}. Then we called the customer service of the bank as soon as possible. We also went to the bank the next day. The bank said it only found {$1000.00} and gave it a credit, and then made up a {$4300.00} order and told us to wait for news. Every time we went in, it took 10 working days to reply. A month passed with no progress, and they said they only found {$1000.00} and another {$4300.00} was not processed, then said to check the camera and reply us after XXXX hours, and finally another week. Still haven't waited for any reply from them. We've been to the bank five or six times, back and forth. Until now, even when they said they found {$1000.00}, it was not in our account. We havent received a penny until now. Its been more than a month, and their attitude is very perfunctory, saying that we have no choice but to wait. That's a lot of money for a big bank to treat its customers like this is very rubbish service
Product: Money transfer, virtual currency, or money service

I have been investing in crypto for the past year and trading via my BinanceUS account. Recently, my ability to trade has been suspended arbitrarily forcing me to miss out on key selling and buying opportunities in this extremely volatile market resulting in losing thousands of dollars. Once that issue was resolved, BinanceUS then suspended my ability to withdraw any amount of funds from my trading account. I created a customer support ticket # XXXX on XX/XX/XXXX and # XXXX. To date, I have not received a single response. 

I would like to have full access to my account with the ability to trade AND withdraw my funds at my discretion immediately. This is a very urgent matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am  writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.