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

This refers to the IDnotify service provided to me by Experian after the recent XXXX security breach. They advertise on their website that they will provide up to {$1.00} XXXX in identity theft coverage if necessary. I phoned them earlier today and was told that this coverage is not provided. I mentioned that is is clearly advertised on their website and not offering it is an act of internet fraud. I attempted to obtain help with this after XXXX XXXX XXXX filed a lawsuit against me as an act of debt collection, which is not only a violation of my rights as a consumer, but it was also filed using a mailing address which I attempted to remove from my credit files 2 years ago and longer. I tried in good faith to resolve my debt issues with XXXX XXXX XXXX several times and was told this address was part of an investigation by one of their service people. Using an illegal address to attempt to collect a debt is not only an illegal act of identity theft, but not being able to resolve it through one of the major credit reporting services leaves me with no option but to report it in this manner. XXXX XXXX XXXX closed both of my credit accounts after an attempt to repay the debt through a debt consolidation service failed to get them the money I had paid on time. I canceled the debt repayment plan and they closed my accounts as a result. I am still unable to repay the debt at this time and using a false identity to collect it is clearly wrong. After more than 30 attempts to get legal assistance with this over a period of five years, all of which failed, I have no other option to file this complaint.
Product: Checking or savings account

My problem with Wells Fargo started I believe around 2019, when I first went to grad school I was getting random fees and found out it was because I had a low amount of money in either my checkings/savings ( I don't remember which one ). Since I was a XXXX and didn't have a solid income, I was getting random fees and was forced to close my savings account to avoid further fees and just have one checking account. These fees came out of the blue and it was hard to find a customer service rep to help me while I was overseas at grad school.
Product: Money transfer, virtual currency, or money service

We can not access or acount money in our robinhood accout for 3 months now. We tried to transfer money in XXXX but were unable to transfer funds because i made a mistake. They sent a message that they restricted my account do to suspicious activity. That was in XXXXXXXX XXXX XXXX  Then they sent me forms to fill out for cryto accounts and answer questions about fraud and who did have a transaction with. I told them i tried to transfer money from my robinhood accout into another account. They told me my account was under review and had to wait. I then requested help by phone, no call, they sent another form with the same question, just asked differntly. I have filled out three questioniers, but account still locked. So we tried to close our account and send the money back to our original bank account then they said Robinhood is closing our account. So we tried to transfer money into my debit card same thing your account has been restricted. Now Robinhood said they are closing my account without letting me transfer the money back to bank.I WANT MY MONEY BACK ITS BEEN 3 MONTHS OR LONGER THAT XXXX DOLLARS HAS BEEN HELD HOSTAGE BY THEM..
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted  XXXX  and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked  XXXX  to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX / 17  report I pulled from my   XXXX   account. I contacted  XXXX  that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX / 17  from  XXXX  due to my phone call and all of the old incorrect information is back on my credit report.
Product: Debt collection

Ad Astra Recovery Services is currently reporting on a debt, in the amount of {$600.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to   XXXX   XXXX  . Ad Astra Recovery does not own the debt. I have a contract with   XXXX   XXXX  .
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX XXXX XXXX XXXXXXXX was involved in a total loss. I made my XX/XX/XXXX payment as usual. Between then and XX/XX/XXXX I was working with my insurance company and the bank to resolve the total loss and get payment for the vehicle. On XX/XX/XXXX my insurance company made a XXXXXXXX XXXX payment to which XXXXXXXX XXXX  was applied towards XXXX monthly payments and XXXX was applied towards the principle. During this time I received several emails and phone calls reminding me to make payments, that my loan was in collections and that they would report to my credit. I could not talk to anyone because any number I called. Rough me to collections which had no info for me. After XX/XX/XXXX my account was still in collections. I called and finally spoke to someone asking why my account was in collections still after a payment. They told me the insurance payment was applied to XXXX and XXXX and that I still owed XXXX even though the XXXX payment wasnt due yet. When I asked what happened to the XXXX payment I made from my own bank account they said they didnt have an answer for me. 
I have also asked for info to help submit my gap insurance claim so that the bank could Get paid for the rest of the principal and have had no help with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Till today ( XX/XX/2019 ) Bankruptcy Record on credit profile appears as " BANKRUPTCY CLOSED AND DISMISSED '' on XXXX , XXXX AND EXPERIAN XXXX XXXX credit card appears as included in bankruptcy chapter XXXX on XXXX and Experian XXXX profile. 
XXXX XXXX Credit card appears as charge off/included in bankruptcy chapter XXXX
Product: Credit reporting or other personal consumer reports

Resident Verify by Entrata is engaging in fraud and identity theft. I did not give them consent or authority to share my personal nonpublic information. Resident Verify by Entrata does not have my consent to have and share my private personal information. They are a nonaffiliated third party and they are involved in aggravated fraud and identity theft. They are violating my right to privacy as a consumer by reporting inaccurate, false, damaging information to consumer reporting agencies. They are in violation of multiple federal laws. My only name is XXXX XXXX. My only address for the past XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TN XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX - XXXX {$1300.00} Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$2500.00} DP OF EDUC - XXXX {$2000.00} DP OF EDUC - XXXX {$3500.00} DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXXXXXX
Product: Debt collection

This company refuses to work with me to find out if this is my debt. I have zero knowledge of this debt and have never received a bill only to find it on my credit report. They claimed to receive this in XX/XX/XXXX and started reporting it on my credit report 3 years later and then XX/XX/XXXX report a late payment by myself. I do NOT have a payment agreement with them. I have been trying to contact XXXX XXXX XXXX that they say this came from and there is n't any phone numbers for them. Fox Collection REFUSES to give me a phone number for XXXX XXXX XXXX as I never received a bill for them and have no idea what this possibly could be for. One person from Fox said to try the XXXX area for a phone number and I never found XXXX in the XXXX area either. They have my social security number, my birthday and an old address of mine and that scares me because that means someone may have stolen my identity. I want to get to the bottom of this IMMEDIATELY and I want this removed from my credit report ASAP as well as the false reporting of a late payment as well. I am going to you because TransUnion told me this is the next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$850.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$5100.00} ; XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration regarding the numerous attempts made to remove late closed accounts from my record. 

To my disappointment, despite multiple attempts and assurances from your representatives, the late closed accounts remain unresolved. Each attempt to address this issue has been met with delays, misinformation, and ultimately, no resolution. This prolonged and ineffective process has not only caused undue stress but has also significantly impacted my financial opportunities. 

As a valued customer, I expected a more proactive and efficient response from your company in addressing this matter. The failure to promptly rectify the late closed accounts has not only affected my creditworthiness but has also diminished my trust in your company 's ability to fulfill its obligations to its customers. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the late closed accounts from my record without further delay. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the financial hardships and stress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit card

TD Cash Secured card ( {$500.00} collateral ) was closed by TD bank on XX/XX/XXXX. Received a letter dated XX/XX/XXXX saying that my collateral would be refunded within 5-7 business days, minus the remaining balance on the card ( remaining balance is {$150.00} ) It is now XX/XX/XXXX, and TD Bank refuses to return what's owed ( {$500.00} - {$150.00} = {$340.00} ) AND continues to charge interest on the balance. I have requested multiple times for the collateral to be utilized, and the difference refunded. TD bank is in violation of our mutually agreed upon 'cardmember agreement ' and is holding my funds without cause.
Product: Credit card or prepaid card

On XX/XX/22 I received a text that there was suspected fraud on my citi bank card. Someone had made a purchase at Best Buy for {$1600.00}. Because I was not the purchaser, they began an investigation that resulted in them informing me that I must have made the purchase because my card was used. Up until that time I had always paid my account in full each month. I asked them to re-investigate, but apparently they have not. I am not sure how to prove that his charge is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were inquiries fraudulently being placed on my account without recognition and without my consent. 

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

My credit report shows XXXX inquiries made in the last 120 days. These are inquiries I did not approve. The companies are listed on my report as XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXXn XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX, PXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX card on XX/XX/XXXX. I also had a credit card with XXXX opened with my social security number but incorrect name and address in XX/XX/XXXX. I was able to contact that company and file a fraud claim with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Experian ). 
They have failed to remove information that was affiliated with personal details that were challenged in the past. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
I disputed some accounts on my Experian credit report that are inaccurate and inconsistent. The company came back and said that the accounts are accurate. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My report # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX ACCNT # XXXX 30 days late in XXXX XXXX 60 days on XXXX XXXX, 30 days in XXXX XXXX 60 days in XXXX XXXX, 90 days in XX/XX/2022, and 120 days in XX/XX/2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2021, {$3100.00} was charged to my account for radio and online fees related to a fundraising ad campaign for XXXX XXXX XXXX XXXX XXXX, a nonprofit bringing XXXX XXXX XXXX XXXX  XXXX. The campaign was to run online for the month of XX/XX/2021 and then run a week of radio ads leading up to XX/XX/2021 during XXXX XXXX XXXX XXXX 

Ads did not run and as I began to complain the radio sales team stopped responding to my inquiries. I am attaching screen shots of the ads platform showing no ads running. 

I then contacted the radio station one last time informing them I would contact the credit card provider, UMB Financial. They did not respond so I went to UMB Financial explaining that the radio station did not provide the ad time as promised to get a refund. The following four months have been a back and forth with UMB stating I owe the {$3100.00} for ads that did not run. 

I have asked multiple times that the charges be reversed and am now contacting members of the media.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Credit report and see that you are still providing inaccurate information. I previously disputed a Bankruptcy on my credit report and in response you verified the item as accurate stating it was verified with the court. When a consumer files Bankruptcy the document is under federal law not state law. A Bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non-profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, giving, or furnishing to others. I have already confirmed with the courthouse and was made aware that the court does not report any information to you or any credit reporting agencies for that matter. I have also enclosed their response for your records. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with : FCRA 611 ( 15 U.S.C. 1681 I ) Privacy Act of 1974 Violation 5 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Conditions of Disclosure Cybersecurity Breaches of Government Computers and the information must be deleted immediately. Thank you for your prompt attention. I look forward to getting this resolved as soon as possible.
Product: Debt collection

This was a legitimate debt. I lost my job in XXXX  and couldn't pay the credit card. It went through many hands, and eventually landed with Rausch Sturm, LLC., who immediately sought and won a judgement. I worked out a payment plan with them and was paying monthly. There were no monthly bills sent, there were no email reminders, nothing. Usually they would call and I would pay over the phone when they called. Out of sight, out of mind, its the last thing dangling from that period of time. 

Yesterday, I logged into my online banking to balance my checkbook. I noticed a large amount debited from my account that I was not expecting. I alerted my bank and reported a fraudulent transaction. Upon investigation, they told me there was a garnishment submitted from these Rausch Sturm people. I called them and inquired. I hadn't made my XXXX payment, so they proceeded to garnish my bank account. Did not call me, did not notify me, nothing. Just took the money. They said they could, because they had the judgment. I asked why they didn't call me or leave a voicemail. They said the client they were working for said they do not have to leave voicemails in attempts to contact. I had zero contact or warning this was coming. Nothing. 

I think it is absurd that a company can do this without warning, without contact, without anything. It should be illegal. Additionally, I think the timing is highly suspect since its tax season and they are probably looking for people 's tax refunds. I'm so disgusted I want to look into options to sue these people.
Product: Student loan

hello I have a XXXX XXXX loan that I have been paying since XX/XX/2008, it was a XXXX twelve year loan. I have been making my minimum payment and I still owe XXXX after ten years. I have spoken to XXXX XXXX manager his name is XXXX ( XXXX ) and he tells me there is no way for me to pay on principal only above and beyond my monthly payments. I have paid extra on my loan multiple times and it all seems to go to interest and fees and isn't applied to principal. I need help if I am ever going to get out of debt. I thought it was illegal for a company not to allow me to pay on principal as long as I was making my monthly payment.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX BANK XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.