23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was not aware that someone got into my bank account through my mobile and debt transtions and XXXX XXXX accounts until Friday XXXX XXXX XXXX when I tried to sign into Truist mobile app to see if my disable check was posted from XXXX XXXX schools. My phone and accounts were hacked and unable to get into my accounts and my phone i couldnt call out or even call 911 if need to and keep lossing internet I was in the hospital XXXX XXXX XXXX XXXX I was finally able to get a hold of my bank and they told me that there were text deposit XXXX to my account and signed and there were transactions that were posted that I was not aware of and did not. There was a charge at XXXX for {$700.00} XXXX XXXX I was in the XXXX XXXX XXXX for XXXX 's appointment in staying there for till Friday the XXXX and I was nowhere near XXXX and don't know of this charge and there was two checks on that day too but are from a roofing company from Texas and they printed my name on the back of them and deposit them and it doesn't look nothing like my signature or the way I write my checks so the bank said that they would give me 30 days for review and to send in anything I had that would give proof what that I didn't do it and they called me back the next day one day later and said that they're closing my account and I'll be no longer have an account with them anymore and they know that I didn't do it but they don't want me too have a checking account with them and close my account and they did not refund my money and use the funds overdraft fees return check fees and everything else on top of it then {$970.00} {$790.00} came out of my XXXX  check and now I can not pay bills and my credit is getting hit because I'm late and I don't know what to do I can't pay bills and they said that they are done with me and I don't know what else to do and they didn't not give me a chance to show them any proof so I'm not sure what else to do also my XXXX XXXX they got into and took the funds and tried to deposit twice with their XXXX XXXX hashtag and it came up scam but it's still went through after their third attempt and now I am XXXX in the hole with them and with the bank
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have a XXXX loan for my XXXX  program through the XXXX  XXXX  XXXX XXXX. The company that services this loan is call XXXX XXXX. This {$48000.00} loan is being collected at an interest rate of 10.25 %. in XX/XX/2020 I applied for a reduced payment plan with this company. My request was approved and all payments were made on time via direct withdrawal. Despite this, the company reported the acount as 60-90 days past due. After contacting them they acknowledged the era stating that although I am on a payment plan the system hasnt been updated to reflect that but that it would be fixed. This happened in XX/XX/2020, causing me to lose approx. {$15000.00} in available lines of credit form my other creditors through credit line reductions and/or credit card closures. it took approx. 8 months for my credit report to be updated. Once fixed in XXXX. 2020 I thought this problem was behind me only to have the exact same thing happen on XXXX XXXX XXXX causing my XXXX  credit score to drop 50 pts. despite the payments they are taking from me via direct withdrawal and the agreed upon payment plan in place. My husband and I were also days away from purchasing a new vehicle because the engine went out on our current car and now we can not because of my credit score.
Product: Checking or savings account

On or about XX/XX/2018 I was roofied at a party and the couple who did it knew I had $ XXXX in my bank from the settlement of my house after divorce. They kept me locked in their house in XXXX, drugged, while they stole XXXX everyday and made purchases at different stores. They did finally drop me at a hospital as I almost died. During the whole time I was in hospital they continued to steal my money. I sent the hospital report from XXXX and XXXX XXXX hospital to Navy Federal to prove that it was not me making the transactions. They still refused my claim and 3 appeals. I couldn't walk and i was hooked up to XXXX even to the point i had a XXXX with a XXXX XXXX. I did file a police report but the XXXX XXXX police do not have it on record when I called to request a copy. Nevertheless there are cameras on the arms and stores. They could have seen it wasn't me but more importantly read the medical report stating that I was XXXX and couldn't walk. Why wont they refund my money and pursue justice for what those people did? Please help of you can. Thank you for what you do, at least now I am recovered I can try to pursue a resolution and I thank you so much for giving me a platform to do so. Thank you again, XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX sent a letter upholding a dispute claim for XXXX XXXX against XXXX for {$750.00} on XX/XX/22. XXXX, through and by its debt collection agent Radius, has subsequently sought to obtain the {$750.00}, in bad-faith, despite being notified of XXXX 's decision ( see attached PDF letter ) in writing and via telephone communications. XXXX and Radius therefore are violating U.S. federal law in attempting to collect on a non-existent debt. Please be aware that XXXX and Radius both have been reported to the Consumer Financial Protection Bureau ( # XXXX ). XXXX  and Radius, thus, are on notice that any additional contact with XXXX XXXX about non-existent debts will constitute new claims under U.S. federal law. This email is an attempt to avoid new legal violations, such as the unlawful demand by XXXX/Radius via text today ( see the attached pic ).
Product: Mortgage

We ( XXXX and XXXX ) XXXX refinanced a mortgage in 2013 and we have now been notified that our old mortgage at the XXXX XXXX XXXX still has a lien on our house. 

We are asking Chase for proof that the mortgage at the XXXX XXXX XXXX was paid off and we are getting no help from the branch and the XXXX  department. 

XXXX is where we have placed our request and they responded asking me for proof that the mortgage was paid off? 

I can't get anyone on the phone to help. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.
Product: Vehicle loan or lease

The statements does not match of my payments. I am paying more what I own and I called Capital one at : XXXX but hey have no clue what government agency regulates them. The customer service can't provide an accurate statements and they stoop sending me by regular mail teh statements. My account is : XXXX. 

My email address is : XXXX phone : XXXX Please email me and I summit my statements. 

Best regards
Product: Bank account or service

My Citizens Bank account ( XXXX ) was compromised by a hacker. Whoever it was attempted to access my accountant. The problem was discovered, when I attempted to log in through my mobile app. The XXXX asked me to contact my bank because I was locked. In a previous phone with XXXX, I was informed that someone attempted to hack my account because the log-in location did not match my usual login pattern. They immediately escalate the incident. Citizens Bank, however, did not investigate as promised but instead they reset my password but I was still unable to log-in. During all my frustration, I transferred funds from my business account to personal account which is a separate ID. In the confusion I transferred it funds to the wrong account. I attempted to log into account after the password was reset from my mobile app and I was locked out again. Yesterday, I came in I did not get a chance to check my account. This morning the confusion of the deposit was discovered as a result my bank is charging me {$35.00}. I try to explain that my account was hacked, but my security question prevented any withdrawals. My bank refused to refund my XXXX and tried the entire incident as my error. I am still unable to use my mobile app and XXXX had reset my password again. The only way I can access my personal account is via a PC. Until I call this morning, my treated the attempted hacking as a user error, instead of, changing my user ID. I need my funds back because I am stressed and on high alert. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate information placed on my credit report regarding the collection account of XXXX, XXXX, & XXXX XXXX on numerous occasions with Equifax. 
Pursuant FCRA Section 623 ( 5 ) ( A ) : Reporting information with actual knowledge of errors. 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. '' Since the debt is from XXXX, this account has passed the XXXX limit from date of first delinquency ( DOFD ) under the Fair Credit Reporting Act [ 15 USC 1681c ( a ) ( 4 ) ] to report a collection account. 

I have provided Equifax a plethora of documentation substantiating my claim that the date of first delinquency ( DOFD ) is XX/XX/2015, however Equifax has refused to remove the item. 

I have attached the same documents furnished to Equifax.
Product: Debt collection

Received a call today from an XXXX with the company known as First national collection bureau Inc. stating that I owe a balance of {$500.00}. I asked him from what company because Ive never heard of his. He said XXXX XXXX, which is a secured credit card line. I do believe that account was closed and had been charged off or removed from my account. However, apparently it has been sold to a collection company that is operating out of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT SUBMITTED BY XXXX XXXX PERSONALLY THIS IS FOR EQUIFAX 1. XXXX XXXX XXXXXXXX XXXX  has a XXXX available credit with XXXX balance 2. XXXX XXXX had XXXX balance 3. XXXX card is closed since XXXX 4. XXXX XXXX is closed since XXXX XXXX XXXX ( XXXX ) has XXXX available credit with XXXX balance is missing/ not reporting
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed an unauthorized account/ information reporting to my credit report. This remark have been detrimental to my life and credit health.
Product: Mortgage

After we closed on our mortgage for property address XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/XXXX, our loan was purchased by Flagstar Bank on XX/XX/XXXX. 

On XX/XX/XXXX, our home was damaged in the tornado, requiring extensive rebuilding. Our insurance company has dispersed funds to us on XX/XX/XXXX and XX/XX/XXXX but the funds are required to be processed through Flagstar Bank ( our mortgage lender ). After over a month of cooperating and pleading with Flagstar Bank to release funds to our contractor, we finally received a check to pay our contractor for the rebuild costs. 

On XX/XX/XXXX, we received a check in the amount of {$93000.00}, a portion of the {$170000.00} we've received from the insurance company. That check was written to me XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, my contractor. On XX/XX/XXXX, that check was deposited into the contractor 's bank account and on XX/XX/XXXX, the check bounced. 

To whom do I turn to get this resolved? The mortgage company is now placing me on permanent holds when I call, resulting in an automatic hang-up after 45 minutes, once the customer service representative has verified who I am and why I'm calling.

I'm at a loss and terrified our contractor will place a lien on the property and this will financially destroy us. Any information or insight you may have would be enormously appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

During mid XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's Equifax, XXXX & XXXX. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed. 

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files. 

The inaccuracies being reported are listed below by Credit Bureau 's : EQUIFAX XXXX XXXX bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XX/XX/XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX  XXXX XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX XXXX XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00}
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS LOSS/STOLEN 2019 AND I REPORTED. I WAS LATER NOTIFIED THAT MY INFORMATIN WAS INVOLVED IN THE EQUIFAX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS/CREDIT INQUIRIES THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} FCO ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$87.00}
Product: Vehicle loan or lease

I have reported identity theft and fraud to wells Fargo and XXXX XXXX XXXX   since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I reported a hard inquiry made by WFDS of XX/XX/XXXX after pulling my credit due to being denied a loan XX/XX/XXXX. Wells Fargo has continued to deny the hard inquiry of XX/XX/XXXX. The last conversation I had ( that was stated it was going to be officially recorded ) with XXXX at Wfds in XX/XX/XXXX he stated it was XXXX fault that I had to deal with them they put it incorrectly on my credit report in XX/XX/XXXX. 
XXXX also reported that wells Fargo did not give me credit for making several payments but not deducted from my balance. I am hereby requesting both loan documents loan recorded on XXXX as XXXX opened XX/XX/XXXX AND ALSO LOAN # XXXX opened in XX/XX/XXXX Wells Fargo owes me the difference fromXX/XX/XXXXthru XX/XX/XXXX. That is XXXX X 7 months And I want it deducted from my loan balance immediately. 
Also I went online and was denied access to my account info as per attached screenshots the following happened TWO ACCOUNTS HAVE MY INFO XXXX XXXX XXXX XXXX I want both these copies of loan documents that created each 1 of these accounts I want wells Fargo to admit to their error and credit my payments fromXX/XX/XXXX thru XX/XX/XXXX from some wells Fargo creating a second account which both denied me proper access to my info and prevented proper credit of all my payments as I reported to the cfpb and wells Fargo XX/XX/XXXX XX/XX/XXXX as they did not protect my personal information required by law. 
I have again recently faxed all additional 27 pages of info requested from me by wells FargoXXXX XXXX XXXX XXXX to investigate the numerous reports I have made to a bank I have dealt with since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX va XXXX I have called wells Fargo back every time they have tried to call me last being XXXX . 
ATTENTION WELLS FARGO / XXXX XXXX CEASE immediately from leaving my personal information and name and personal ECW CASE NUMBER on a phone number that is not mine and has never been mine. 
Wells Fargo and XXXX XXXX and all affiliates know that. 
Does anyone from your financial institutions want me to call a bank and give them info on all the reports I have made against your banks since XX/XX/XXXX and name personal names and their extension numbers. Cease please I attached one last screenshot of your eservices online It STATES PROTECTION privacy and secure on your website. Wells Fargo prove it. 
It asked me to answer 3 security questions ( as per attachments and evidence ) to change my password but THERE WAS NO THIRD QUESTION so I HAVE AGAIN BEEN DENIED ACCESS TO MY PERSONAL information held with wells Fargo bank. I am still locked out.
Product: Credit reporting or other personal consumer reports

Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX  Contrary to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Equifax Information Services, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. 

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Equifax has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors. 



As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts. 

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX based on false or unverified information reported through Equifax may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX   XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXX Owed : {$43.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX XX/XX/XXXX XXXX