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

I received a debit card in the mail several weeks ago from Customers Bank. I had never heard of that organization and certainly never opened an account with them. I called their fraud department and left a message but never received a call back. 

Several days ago, I received a statement in the mail for a checking account. It shows that an amount of {$2500.00} was deposited, and then immediately withdrawn. I called to report this and actually spoke with a person. She was unable to close it, or even add a simple note saying that this was likely a fraudulent account. She redirected me back to the fraud department 's answer machine. 

It shouldn't take several weeks to even get a response to a clearly fraudulent activity. I also don't understand how this Customers Bank didn't detect this on their own. A large deposit followed by a total withdraw should clearly raise some red flags.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries on my report that done belong to me.
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 # # 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 a consumer reporting agency can not furnish a account without my written 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 ( AX1 ) 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 belleve that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX follow up complaint. I had a issue that was reported to the XXXX XXXX  police dept. I filed a complaint with the FTC over someone using my information to get accounts and loans. Someone recently was able to apply for several loans. I live in XXXX my ID is being used around the country. Please remove the following accounts and inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I made a deposit to my Chase Liquid Account from my XXXX XXXX. I Made the deposit XXXX XXXX, 2015 my XXXX XXXX Paid thesame day, fund were taken out of my XXXX account XXXX XXXX, I verifiedWith XXXX and they advised me the Chase had received the fundsXXXX XXXX, 2015. My ATM deposit receipt there XXXX be a delay in theavailability of these funds until XXXX XXXX, 2015. Chase had recived funds fromCitbank the same day I made my deposit but still XXXX days to give me credit formy deposit.
Product: Student loan

Private loans were transfered from XXXX XXXX to Nelnet last month. For some reason they were transfered in an income-based repayment status. I was not on an income-based replayment plan with XXXX XXXX and was paying more than the minimum payment per month. Nelnet refuses to allow me to auto-draft more than my minimum monthly payment while my loans are in this status. They are insisting that they charge me a fee to get my loans out of this status. This feels predatory and intentional to make it harder for students to pay back loans so more interest will capitilize. It also took me months to get my account set up when my federal loans were transfered earlier this year. Nelnet uses XXXX  incompetence to try and force users into more debt and they need to be investigated. I never had any similar problem with XXXX XXXX or Great Lakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a complaint with CFPB because Equifax was not reporting my payment history from-XXXX XXXX And XXXX XXXX Now that the case has been closed my score was decreased by 71 points and Equifax is not showing payment history on both of my XXXX XXXX account and, correct Credit limit from XXXX XXXX and XXXX XXXX balance is incorrect and no payment history is showing ..

Now because I am An XXXX XXXX female and I report an error to CFPB I am being discrimimated suddenly. Now I am seeking an attorney because Equifax not being fair and they are not reporting my information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX ( XXXX  ) that was affected by the government shutdown from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I  contacted my mortgage company, GMFS servicing loans to inquire about any forbearance options that they may be offering federal employees because I didn't have the resources at that time to pay XXXX mortgage. I figured that I was still within 30 days before any negative reporting to the credit bureau so let me call to see what options I may have. The representative informed me that they are offering a 3 month payment plan for XXXX XXXX. She went on to inform me that due to it being a Friday, my forbearance would be processed on XX/XX/XXXX. So on XX/XX/XXXX the mortgage company called me seeking payment. I explained to him that I should be in forbearance. He looked through the system and confirmed that he saw that I was in forbearance. On XX/XX/XXXX XXXX  's delinquency hit my credit report. At this point I am livid because I spoke with two reps who assured me that I was in forbearance until the end of XX/XX/XXXX. So I called GMFS on XX/XX/XXXX and the case worker stated " Oh yea you need to write us a letter indicating the amount that you agree to pay and sign and date it ''. This was the first time I ever heard of that. Had the representative on XX/XX/XXXX and XX/XX/XXXX informed me of this, I would have taken care of that. To summarize my issue, there were several occasions that the company failed to provide accurate information. The information provided was misleading and misinforming, but I am the only one that is being affected by their errors. I contacted GMFS escalation dept. on XX/XX/XXXX and explained the issue. He stated that he will pull the call and if the rep did provide inaccurate information he will have the negative credit reporting reversed. He informed me that he would contact me within 48 business hours. It is now about 55 business hours and I still haven't received a call. If you are able to review my credit reports you can see that this is the only company I have had issues with. I have a car loan, unsecured loan, student loans, and several credit cards and none of these accounts have ever reported me as being late/delinquent. Prior to this issue, my credit score was around XXXX. Since then it has dropped to XXXX. I am requesting that the XXXX delinquency be reversed and any months following until the forbearance/90 day payment plan is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2015, my ex-husband stole my identity and purchased a vehicle in my name without my authorization. When I first learned about the theft it was through an alert from my credit monitoring service. I immediately filed a police report documenting the theft. At the time I was unaware of how my information was stolen or who stole it. I have tried to have this information removed from my file by way of disputing with Experian ; however, the creditor, XXXX XXXX, continues to place this debt on me despite sufficient proof of fraud/identity theft. Early this year I received an legal affidavit from a person who identified themselves as XXXX XXXX. In the affidavit she admitted to conspiring with my ex-husband to use my identity to purchase a vehicle in my name without my consent. Upon receiving this notice I immediately went back to the originating police department and filed an updated police report. I also contacted Experian to put them on notice to have the information removed from my credit. After waiting two months Experian stated XXXX alleges the information is accurate. This information is not accurate. My identity was stolen by my husband during our divorce process. He used my identity to open several financial accounts in my name as well as file taxes. He used an address in which I've never lived. I have provided documentation of this and have filed a motion in court to have a judge rule in the matter as a result of the supporting documentation I've have. I also would like to point out that Experian has sufficient information regarding the matter as well to ensure this fraudulent information does not continue to report falsely on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a joint account at XXXX XXXX 30 days Late. Accounts have always been paid on time, however I received NO notice, Never even received statement balances on that account. Upon finding out I paid the XXXX balance off IMMEDIATELY. I called creditor and they said they would close out the card but refused to take it off my credit. Giving me the run around saying I would need to call the bureaus. Upon calling them, an investigation was made, but it was informed it would not be removed. 


Also on XX/XX/XXXX XXXX XXXX, a XXXX company charged me with being 120 Late on a XXXX dollar payment. These statements were paperless, but again i never received any documentation via email that i was late. What occurred was a simple checking account mishap. I had paid out of an old checking account I had on file. Once realized, I paid the XXXX dollar transaction ( because of late and ach penalty fees ) and requested it be removed. They refused and XX/XX/XXXX Sided with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX bankruptcy and is now showing closed with a missed payment. Called the mortgage company because the mortgage was never on the bankruptcy. 

They said they are showing on their end all payments on time and mortgage/ account still open. Filed a complaint through the expiren XXXX XXXX and they reported back that the organization they get their reporting through is correct. 

Want to fix this disconnect so I can get my credit reporting correctly and fair
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has me listed as be deceased resulting in my card card at XXXX XXXX being blocked. I first reported the inaccuracy in XXXX. I have tried everything to get Experian to believe I am alive.
Product: Checking or savings account

They froze my account because I am a XXXX XXXX I XXXX  XXXX and XXXX them to potential  XXXX. They deposit the money in my account then I release the funds. My account was frozen because funds was placed in 3 times in one day and they stated the a XXXX  stated they sent money in my account by mistake after I already released the bitcoins. It has been a month and Noons has even tried to assist, they are giving the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX  XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX  {$0.00} ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked this credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I some authorized accounts and inquiries
Product: Debt collection

In XXXX XXXX I spoke to XXXX at Remex who explained that Remex does not own this account and it had been sold per XXXX XXXX Hospital to another company. I called recently because the account is still on m Equifax account and I was told to pay them. I explained this is not my debt is part of employment verification done by XXXX hospital in XXXX. I explained to the representative that Remex does not even own this debt to attempt to collect would be abusive on their part and XXXX Hospital is responsible for the debt. I asked the representative to provide all paperwork regarding the debt and she refused to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this complaint is being filed to bring awareness of violations the three credit reporting agencies continue to do when dealing with my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies XXXX, XXXX, and Equifax. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit card or prepaid card

After receiving an email that my account was closed, I had called Capital One to explain that I had a been a victim of identity theft and was hoping that they would extend some type of help to keep my account open. After speaking to several representatives and supervisors, they were very steadfast on closing this account. Even one supervisor explained to me that this was the only type of calls that he was getting all day. Many of the representatives were saying that their hands were tied behind their back. My main concern is that I was not even notified that my account was in jeopardy of being closed even after I called to get a new card because of my identity theft. When I order the new card not one person informed me of anything that was about to go wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I have received an updated credit report and have found several fraudulent accounts reflecting my credit file. I have been an victim of identity theft since 2012. Whomever has stolen my identity has also filed taxes using my identity. And has since still been using that information, apparently they are unaware that the last name & information that they are using is inaccurate information & my last name is no longer the last name that they are opening accounts in. My social security number is the same, so company 's have connected account to my current information. 

XXXX XXXX XXXX : XXXX, I submitted documentation that proved that this is not my account. 
( Original Creditor : XXXX XXXX ) XXXX : XXXX. I submitted documentation to prove that this is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX, I submitted an dispute to this company to removed this account due to identity theft and the company never responded.
Product: Payday loan

I took a XXXX XXXX dollar payday loan with a finance charge of XXXX. in 8 weeks I paid them back XXXX. They deducted XXXX biweekly. I thought I was done when I received a message that there was another scheduled payment for XX/XX/XXXX, that 's when I found out I was being charged 489.872 % rate with expected payments thru XX/XX/XXXX. I 'm in the process of closing my checking account out so they can not take any more money. They have all my personal information including my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$590.00} ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX  on XX/XX/2021 ; XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX are reporting on my personal credit file with ( XXXX/Experian/XXXX ) credit reporting agency . These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Product: Student loan

I have two student loans serviced by Navient. Originally they were serviced by a different provider, but Navient purchased the loans. Monthly without fail, Navient begins calling me 15 ( or more ) days prior to my payment due date. They call at least five times daily, sometimes as many as ten times, and the calls start as early as XXXX PDT and go as late as XXXX XXXX, seven days a week. Often when I answer the phone, there is no one there and the line goes dead. On the occasions when the call does connect, I get the standard " This is navient calling about your student loan payment. ''
Product: Credit card or prepaid card

Opened my Credit Card with Bank of America in XX/XX/2019. I had the hardest time of my life even opening my account, took 2 months to get the card. Once I received the card I had even more issues. Had to go to branch with Drivers Lic and Social Security card to verify my ID and was able to use my account again. Then less than a month later found out my card was closed for no reason. After speaking to someone I was told there was nothing that I did wrong and that I was going to get a letter in the mail with a address to send tax returns for whatever reason I wasn't told, I've waited and still no luck never received no letter. My account was closed for no reason I had close to XXXX in rewards which I could not access, I'm a good customer I had a balance at the time my account was closed of XXXX and I paid the balance in full and on time. This is not how you do a good customer for no reason, it seems as the person who closed my account was a angry bitter, not having anything to do person because. My account was vaild, I have Great credit and there was no reason to close my account. I did all the extra verify stuff they had asked of me. I would like my account reopened as I was promised because there was no way to justify why it was close and for no cause this is not how you do go customer I want this sent up to CEO office if possible because this is not right and not how you do customers.
Product: Credit reporting or other personal consumer reports

Enclosed is proof that Equifax did not investigate this account for maximum accuracy reporting as I requested. I requested that Equifax remove the Late Payments from the account XXXX XXXX XXXX. This account is reporting inaccurate information to XXXX XXXX and Equifax. Simply " parroting '' information from Data Furnishers without an actual independent verification constitutes willful non-compliance as affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ). This complaint is against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently respond immediately stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore Equifax actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding. ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law. Problem account is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable . Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Checking or savings account

I have overdraft fees tied to charges that posted with a positive balance on my account. At the end of day on XX/XX/2019 I checked my account and had about {$5.00} in it. According to Wells Fargo reps the system posted the transactions in a different way than what it shows on the consumer side of the system. This caused my account to be actually XXXX even though it didnt show to me the prior night or even on the following day when the overdraft charges were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX sent me these two letters stating I contacted them to investigate fraud on two accounts that does not belong to me. I have requested that XXXX XXXX   remove these accounts from my CRs but XXXX  XXXX declined. XXXXXXXX XXXX was NOT contacted by me for any fraud claim. In my opinion this is another example of Law breaking by XXXX XXXX XXXX Transunion And XXXX in a attempt to verify a charge off that does not belong to me. In a recent letter XXXX XXXXk stated they were not contacting me anymore on my issue. They are still harassing me in an attempt to verify a debt that does not belong to me. I have NOT reached out to XXXX XXXX requesting assistance with fraud. I have reached out to XXXX  to remove these inaccurate unverified charge offs from my CRs. Please view the new scam that XXXX XXXX is using to verify a debt that is not mine. Accounts XXXX and XXXX dont even appear on the CRs being verified by the 3 CRAs