23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX/XXXX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Adjustment Bur XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Letter Please be advised this is my third written request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued will full and negligent noncompliance. 

Despite two written request, the unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the result of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' The law is very clear as to the civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 
Account Adjustment BUR # XXXX {$2800.00} Case number : XXXX Thank You XXXX
Product: Student loan

I have paid in {$1600.00} this year on my student loan alone ( with Navient ) and only {$260.00} came off of my balance. I made my payments every month even though they stated that a payment was not due because I had made so many payments and they were over the minimum amount. Every time I ask questions about how my payments are being applied., I get the run around. No one wants to answer my questions. All they say is that I owed in interest. I do n't understand how that is possible if no payment is due and I was making payments anyways. How can I be behind on interest? I ca n't seem to get any help. I do n't know where to turn.
Product: Credit reporting or other personal consumer reports

This account has been payed off and is being placed in my credit report as late payment. Company doesnt want to make the changes
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 Account name : XXXX XXXX # XXXX, has violated my rights. 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 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 seven 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: Credit reporting or other personal consumer reports

Mohela is currently reporting to XXXX  and XXXX my students loans twice to the credit agencies... Once with the correct loan balance and a second time with an outrageous loan balance of about XXXXXXXX XXXX. I disputed this stating this exactly and after a month the dispute said it was resolved yet nothing was removed from my credit report. They simply put " accuracy-other '' and updated my loan balance remove about XXXX dollars from the balance of the original loan balance. They left the incorrect loan balance on my credit report. So as of now I have XXXX loan balances on my credit report still. XXXX that is my actual federal student loan balance and another completely wrong one in the amount of XXXX XXXX dollars that is completely wrong and I have nothing to do with. I have never taken out half a XXXX dollars with the federal government.
Product: Debt collection

I monitor my credit via XXXX XXXX. I found out about an account that was opened in my name XX/XX/XXXX when it appeared on my credit reports as a collection in the amount of {$340.00}. Original creditor was XXXX XXXX, cable/internet/phone provider for the XXXX XXXX valley. I do not have cable. I do not have a landline. I have used a smaller internet company for the past 10 years. I did not open an account with XXXX XXXX. This company refuses to give me any proofs/documentation or anything else proving I did and I have disputed the collection 3 times with the credit bureaus, to no avail. Reaching out to XXXX directly XX/XX/XXXX unable to receive help by phone so I used their chat service and emailed the transcript to myself, which Im including in this complaint. 3 different agents promised to help me in my efforts to remove the fraudulent account but only transferred me around to different departments, ending in sales to upgrade service that I dont have. Wanting a supervisor, XXXX XXXX in sales flashed a XXXX number then promptly removed it then ended the communication abruptly. This is not my debt. I am the victim of fraud and it is wrong to put the burden of proof on the victim. Additionally, I have suffered other recent fraud/theft ( including burglary ). When I went to my local police station they would only file a report on the burglary. I was told to contact the FBI for any and all fraud. This fraudulent account with XXXX XXXX has devestated my credit scores as it is listed as High Impact. Today I was denied a home loan ( my first ) because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To date this year 2021 I have sent 6 formal and detailed disputes with Equifax via mail regarding 13 different inaccuracies and wrongful reporting. Additionally I have tried to dispute online but with difficulty and no resolution. I've logged over 19 hours on the phone with this company in an effort to resolve. The agents like clock work will look for a reason not to talk to you, will drop the call and put you on lengthy holds before ending the call. There's no reasonable effort at all made by Equifax to speak to a consumer. My credit file is also a XXXX XXXX, and they will not resolve this. Because my file is split I have extraordinary challenges to speak to someone and I am always given scripted responses vs any resolution. I have requested their executive team and have been denied access. I have requested supervisor attention as nearly every single tradeline reporting is inaccurate. I have gotten no help at all from Equifax. I have been grossly ignored. Despite more than XXXX pages of documentation sent since XXXX this year. Equifax has not responded to these several notices of inaccuracies under the FCRA to the disputes sent to them and has given me above normal challenges in getting the information corrected. These egregious errors cause significant hardships in obtaining credit and I seek help from my state and federal offices in enforcing the laws that Equifax continues to ignore. I am also a victim of their fraud and data breach so you would think this would be a motivating factor for them. Equifax seems to be given excessive privileges in facing corporate America and is abusive without limitations in practice to the consumer. I seek urgent remedy and support from my state and federal government in facing this giant as they have ignored my reasonable efforts.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
I need these items Removed ASAP XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/2021 ; XXXX XX/XX/2021 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


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

Our mortgage credit reporting is missing most of the dollar payment amounts and is only showing three ( 3 ) of the eleven ( 11 ) payments ( see attached ). This is also being confirmed at the other two credit reporting bureaus and what we were told the last time we tried to Refinance. We have made eleven consecutive payments to our mortgage company and they seem to refuse to post the dollar payment amount for each month the payment was made to the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing the because I have reached out to the credit bureaus about inaccurate information on my credit report and I have not been getting any response back In accordance with Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/2020, my phone was lost/stolen. The phone 's XXXX XXXX/XXXX   apps were used to transfer money from my Debit card account with Bank of America and my Visa Card from XXXX  Card. Upon noticing this, I immediately reported it to my financial institutions. XXXX Card has resolved my claim, determining that the transaction was fraud and receiving no contest from XXXX regarding the transaction. I did also contact XXXX and submitted multiple items to them, at their request, to verify this was fraud. 

After an " investigation '', Bof A says they could not verify fraud and reversed the credits on my account which total around {$1800.00}. I have called BofA multiple times a week, I have provided the same documents I provided XXXX Card, I have asked to speak to the actual fraud investigators, and I have not been able to make progress. There were 2 transactions that BofA included on my claim initially that were not supposed to be ( they were legitimate Debit Card transaction with my physical card I made that day ) and I feel that they used those to deny my claim even though I told them multiple times that those were not fraud. All the transactions that were fraud did not use my physical card. One agent I spoke with told me that " this type of fraud is still new, and if the investigator does not look closely, they can look like physical card transactions ''. 

I need Bank of America to recognize this as fraud. XXXX does, XXXX Card does, but Bank of America is, for some reason, saying they are valid transactions. They will not provide me with information as to why. This amount of money is detrimental to my financial health and has caused significant hardship on me. I have been with BofA for 19 years, and I am incredibly disappointed that this process is neither transparent nor fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit reporting act XXXX Account # s account # XXXX account # XXXX has violated my rights. 


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 consumer reporting agency can not furnish a coount without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX please delete it 2. The following account is not mine : XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The Experian and XXXX credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Student loan

I am a PSLF eligible borrower who has been employed in public service for a year. I moved to a new public service job on XXXX and filed a new certification reflecting this. On the XXXXXXXX XXXX XXXXXXXX, I received correspondence from MOHELA that showed I had not made any qualifying payments, in direct contravention to the DOE guidance regarding PSLF payments during the payment pause. I tried calling MOHELA and had to wait through 10 minutes of recorded information without the option to speak to a representative. The call then automatically terminated. I called again at a different number and was given a wait time of 180minutes. I waited for about four hours ( until about XXXXXXXX XXXX est on the XXXX ) at which point my call disconnected again without connecting me to a representative. I just want to correct the obvious error in number of qualifying payments, but customer service if unreachable
Product: Credit reporting, credit repair services, or other personal consumer reports

Pleases remove extended fraud alert from my credit report Attention please remove extended fraud alert from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, I submitted documentation to Experian in regards to a dispute I filed with them for an inaccurate public record they are reporting on my credit. Their response to me was they were not able to honor my request based on limited amount of information. This document is an updated copy of a report from XXXX XXXX showing that I have no public record on my report. XXXX XXXX is Experian 's furnisher of information such as public records. 

After disputing this item prior ( XX/XX/XXXX ) their " investigation '' reports state they verified the information as accurate from their data furnisher, XXXX XXXX. How did they verify this information with XXXX XXXX if the information isn't even on my report? I even called multiple times and not one of their customer service representatives could answer any of the questions I had. I even asked to speak with a manager/supervisor and was hung up on! 

This false reporting is killing my credit report and destroying my chances of buying a house for my family.
Product: Checking or savings account

In XX/XX/year>, I was travelling to XXXX and needed local currency so I used Wells Fargo ATM card at an ATM to withdraw XXXX. XXXX ( roughly $ XXXX ). Once I returned from the trip, on XX/XX/year>, I noticed there were XXXX more ATM withdrawals on different dates totaling about $ XXXX. I then found out that my ATM card is no longer with me. I immediately deactivated the card using Wells Fargo XXXX on my phone and then called Wells Fargo to report lost card and fraudulent transactions. I was transferred to fraud department and they asked series of questions including if I authorized anyone use the card or I wrote the pin number on the card. I am not new using and securing the ATM card and I never authorized anyone using the card and never wrote down the PIN on the card. 
After finishing the call, in about XXXX minutes, I received a notification on the Wells Fargo XXXX that the investigation has been completed and there was no sign of fraud. Right after the first notification I received another notification that an investigation has been opened. Both notifications displaying same fraud claim number. I thought these were errors and did not take immediate action. 
After XXXX weeks I received a letter in the mail that said, the investigation has been completed and no sign of fraud was found. Today, XX/XX/year> at around XXXX pm, I called Wells Fargo fraud department ( XXXX to discuss the claim outcome. The representative was not helpful and repeated that there was no sign of the fraud and I should file a police report but failed to say in which country??? 
I am still not convinced that they did any investigation and fraudulently closed the case. Should I be protected by Reg E?
Product: Credit card or prepaid card

Hello, On XX/XX/2023, I filed a dispute against XXXX XXXX for {$28.00} ( out of total charge of {$860.00} for the transaction ) with my Citibank XXXX XXXX XXXX XXXX due to the dispute unexpectedly, in middle of our trip, decided to cancel our hotel reservation ( {$860.00} ) on XX/XX/XXXX. 

I immediately called Citibank to inform them and asked them to increase the disputed amount to full {$860.00}. Since, then I have received a letter dated XX/XX/XXXX from Citibank stating dispute amount can not be increased once dispute has started. Further, Citibank is not allowing to create another dispute for the remaining amount for that transaction. 

I have called Citibank few times but they say it is as per the rules set by XXXX. I have pointed to your agent 's statement and Fair Credit Billing Act but Citibank is not budging. In meantime it has been more than 4 weeks and XXXX has not refunded the {$860.00} money, and XXXX agents refuse talk while dispute is on. 

I have lost my money and have not received any services from XXXX. Could CFPB please help with resolving this? 

Warm regards, XXXX XXXX Companies involved XXXX ) Citibank XXXX ) XXXX  XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained copies of all three Credit Bureau 's Reports : In accordance with the fair credit reporting act the Accounts Listed below have violated my rights. 15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I received a suspicious email regarding my checking account with Credit Karma and so I checked the account and found there were 2 requests for deposits of {$500.00} from my connecting account into Credit Karma then 13 transactions with different names using XXXX XXXX  requesting the money. My last legitimate transaction was a direct deposit from my employer on XX/XX/year> for {$68.00}. Needless to say they took all the money. I immediately called Credit Karma and filed the dispute. They immediately froze my account they say to protect me from further fraud. Since then I changed the password and have been calling and waiting for a status and they will not give it to me nor will they replace the money that was stolen from me. When I call I get overseas employees who prevent me from getting to the people who should know how to assist me and refuse to give me any other numbers to departments for fraud or legal department. They continue to tell me that I need to wait for an email. I have provided my picture and license they had requested to prove my identity. They make it impossible for me to see my own accounts but allowed others to commit fraud and gave my money away. I do not know what recourse I have at this point and this created a burden on me. I need help.