23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late. 

2. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS KIKOFF Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CELTIC/CONT Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY TBOM/FORTIVA Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting TBOM/ASPIRE Account XXXX : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS SELF / LEAD Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS TBOM/ACC Date of inquiry : XX/XX/year> Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS YATESBUICK Date of inquiry : XX/XX/year> Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding continues to furnish information on credit file which is incorrect. Company failed to comply with FCRA Guidelines. Requested validation and no response.
Product: Debt collection

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found t

he following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits. 2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found
within the consumer protection laws.
Product: Mortgage

Lender Name : PHH Mortgage services XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ, XXXX Previous Lender : XXXX XXXX XXXX XXXX XXXX I am being charged an additional {$2400.00} per year or XXXX cents per month on my escrow account. My total escrow expense for the year is XXXX I am being charged XXXX per year. I have called and talked to them AT LEAST 7 times. I have sent over proof of my homeowners insurance and taxes to this current year. Yet they refuse to tell me why they need the additional funds above and beyond the cost of taxes and insurance. I have requested a escrow account analysis, I have also requested that I pay my own taxes and insurance they have told me that isn't possible and I MUST pay THEM for this and I can not pay on my own ( I know this is a lie ). When a legal matter was threatened my loan was transferred to their sister company. I STILL have the same issue with this new lender ( same place different name ) and they tell me they have no record of past dealings and that I must ay them. They are asking for an additional {$72000.00} over the life of the loan and are refusing to tell me why or what its for. 

Also in the year 2021 they FAILED to pay my home owners insurance on time, I had to go down there and make a payment myself out of my own bank account to keep the home insured. They paid the insurance on XXXX the payment is due on XXXX, I was charged late fees that they refused to pay and I was out of pocket the cash in the mean time and I had to pay the late fees! 

THIS PLACE IS A SCAM SOMETHING NEEDS TO BE DONE
Product: Checking or savings account

i had a fraudulent check taken out of my account for XXXX. i have original check and blank duplicate check. ive told the bank its a fake check. There are 3 easily spotted differences but i still have zero communication. my check has a picture of a camera. thats not there on fake chk. secondly, the word date is under the line where the date is. lastly, the check is bold on just my name but fake one the name and my address is all bold. 
the check was wriiten on XXXX, deposited by mobile deposit to XXXX on XXXX. on XXXX XXXX looked at account and called fraud dept with both bank of america and XXXX where check was deposited. 
bank of america fraud - keisha XXXX claim # XXXX XXXX XXXX XXXX XXXX / XXXX XXXX said she was who i spoke to at XXXX to speak on the fradulant deposit. she said they were putting a hold on the money and she told me to do a stop payment on ck # XXXX i did stop payment on XXXX with bank of america and provided bank of america XXXX tel with XXXX fraud dept # XXXX im super frustrated because its obvious its a fake check and the bank is telling it could be 60 days before they make a decision wether i get my money back. this is rediculous. they have given zero information and i want my XXXX of my money back in my account. i hold for over 2 hours and none can tell me anything. 
police case # XXXX XXXX county XXXX XXXX XXXX i can email copy of blank check, fraudulent cleared check, bank print out showing money coming out of my account. I think i got XXXX  fraud dept to freeze money. 
XXXX XXXX XXXX
Product: Debt or credit management

XXXX I hired Lexington law to repair my credit and nothing occurred to improve it, it actually got worse and other items were on my credit report falsely
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute of Double Reporting I only had one acct with XXXX XXXX in 2019 Acct XXXX you have 2 accts on my credit report for the same day and year and amount i only the first office sent me to XXXX XXXX Mo so i think you guys put two Acct but only got one i included my credit report so you can see XXXX the other ACCT number as you can see i got double reported for 2 accts i wouldn't be able to get 2 loans same day please see to credit Agency to delete i will file legal actions also file CFPB against XXXX XXXX i spoke with XXXX XXXX Chief Complaince Officer
Product: Debt collection

According to the report it states that in XX/XX/XXXX this account was delinquent for XXXX dollars from XXXX XXXX. I was never contacted about this debt. Not by email, phone, mail, nothing. This shouldve been paid with my deposit that was given when the electric was turned on. I was never sent a check from my deposit either. 
I believe in XXXX of XXXX is was sold to XXXX XXXX financial. Who also NEVER contacted me, not by email or phone, or mail. I checked my credit score and found they had added this as a collection. 

On XX/XX/XXXX I attempted to contact XXXX XXXX and upon discussion with someone they were unable to provide me with any documentation. She had no information on my account, only that XXXX dollars was owed. She didnt know what for, there was no indication of a check being sent to me, or a final bill that was showing unpaid. She prompted me to contact XXXX XXXX XXXX. Upon calling them I asked for any information to be send to me, which they claim they did via mail but I have yet to receive anything. Told them they needed to take this off of my credit report as there is NO documentation of why I have this debt. He refused and said the only way is for me to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX failed to verify the accuracy on XXXX XXXX XXXX, XXXX XXXX XXXX..The accounts are current, paid on time..Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Debt collection

I was a victim of identify theft. A fraudulent account was set up under my identity with XXXX XXXX XXXX in XXXX of XXXX. After the typical hours wasted on the phone and on email correspondence, this fraudulent account and the associated debt was removed ( as confirmed, when it was taken off my credit reports ). However, on XX/XX/XXXX I received a letter dated XX/XX/XXXX from TriVerity, seeking collection on the debt ( {$1900.00} ) from the fraudulent account with XXXX XXXX XXXX, which was supposedly corrected/resolved. Yes, XXXX XXXX XXXX unethically sent a debt which they agreed was fraudulent and removed from my credit reports, to collections. Now because of this, I, as a victim of identify theft, will again have to waist numerous more hours rectifying their mess.
Product: Credit card

Kindly examine the attached documents. I want the bureau to initiate an investigation into these accounts, as they are reporting me as late, which is not the case.
Product: Checking or savings account

On Septemeber XXXX, XXXX I purchased an oil change, an a Tune-up from XXXX on XXXX XXXX XXXX in XXXX Tx XXXX When drivin my vechile I noticed not only was the light i went in for was still on the next day XXXX. But it was always still doin and acting the Same way I took it to them. I immediately called XXXX to report my concern. I was told to take to SOMEBODY else s XXXX. So I called Navy Federal to have my funds of {$770.00} returned back to me cause I paid with No problem, when in Fact XXXX DIdnt Even Preform the Service AT All. After I was temopary refunded my {$770.00} thru Navy Federal, I then called a Mobile Mechanic called XXXX XXXX. They cameout to my home on XXXX. I hired them to actually see if I had gotten what I gladly paid at XXXX to get the tuneup, I allowed the mechanic to preform A diagnostic on my XXXX XXXX XXXX, to confirm or NOt whether I got a tune-up from XXXX. I also Didnt mention I took it to anyone previously, so I could get a honest answer. The mechanic completed the diagnostic, An the tune-up was listed on the diadnostic report, which indicates XXXX didnt DO the job or service I paid for on XXXX. Ofcoarse now with Navy Federal reviewed the dispute of the {$770.00}. And went in favor for XXXX, Navy federal emailed me stating the claim is Resolved they said, we have investigated your debit card claim {$770.00} against XXXX XXXXXXXX XXXX We found that no error occurred and Navy federal was unable to process in my favor. Now Navy Federal is trying to retain my XXXX direct desposit for the ammont of {$770.00}. Which now my checkin account is negative- {$750.00} which has cause many financal problems for my house, it also means when my XXXX money desposit on the Directly on XXXX Navy Federal will Take! I VERY distraught about this matter. For one I have no problem paying for anything, Second I not PLEASED to be connect with a Financal Company that allows people to be COMPLETLY ROBBED of All thier fianances for the Month to pay XXXX, When clearly They didnt preform my Service that I went in for on XXXX which was the Tune-up. I also Had to Take to another mechanic to get a tune-up preformed. When commuincating abot this matter OR any matter concerning my Financal REquest it sees That NAVY federal, it belligerent, NOT helpful, AN they CREAt financal issue in my account an when you try communicating Navy federal will hang up, refuse to give you info About my Accounts an money. This very disturbing an stressfulto me an my family. Ive sent reciepts after receipt An it seems to me Navy federal is Not actually taking the time to REVIEW my documents I sent or THey are just AND UNJUSTICE FINANCAL COMPANY. PLEASE HELP. I also when see on my account that I was negativ ein my account I went up to NAVY federal to speak in person about matter XXXX An also to resubmitt documents to support my claim but with a Navy Federal employee. The Manger name was XXXX XXXX she sat down with me to submitt 1 NEW reciept to the Dispute department that they say is not there at location.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging symstemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or armed the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft. I sent Equifax, XXXX XXXX XXXX  a copy of my Police report & FTC report, and they started a dispute removed accounts, but didn't remove XXXX XXXX Bankruptcy. After the dispute was finished they reinserted accounts was was removed and refocused to remove the Accounts. Here are the account the refused to remove and reinserted on my credit report after the dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order for 25 Unicorn XXXX for {$270.00} through a website called XXXX. There were supposed to arrive on XX/XX/XXXX. I was given a tracking number of XXXX. Then on XX/XX/XXXX I revived a very small package with the matching tracking number on it. Inside was 1 little kids coin purse measuring about 2x2 ... very small with a picture of a XXXX character. The 25 XXXX never arrived and i was told by XXXX I would get a refund. The refund was never given either. Capital One told me they could only reverse the charge if I could show proof I returned to package to the sender. it was too late for this as I through the item that would cost less that {$1.00} away. I even showed Capital One proof of the merchant admitting the wrong parcel was sent and I would be refunded. The merchant did not ask for the wrong parcel to be returned. It's not been several months later and XXXX has still not given a refund and Capital One still won't do anything about it.
Product: Credit reporting

Citi Card opened a Costco credit card without my consent. This was the result of an open Costo XXXX XXXX being rolled over. After opening a card without my permission, I was automatically charged a {$55.00} Costo membership fee XXXX this charge was never automatically applied on Costco XXXX XXXX. Because I had no idea this account was ever opened, my balance went unreported ( no paper bill or electronic notification ) I received my first paper bill of {$140.00} on XXXX XXXX after the account had incurred financing and late fees. After an hour on the phone closing each of my Citi card accounts, I received an email notice of collection of {$1.00} on my Citi Costco. The card was closed, the account was current but somehow there is a collection for {$1.00}? Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting XXXX  Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key Bridge XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Different dates on last reported, different balances, different status as far as legally paid on some, different charge off/ settled The accounts are XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Ive included screenshots from my credit report showing the various inaccuracies and the particular accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this is XXXX XXXX I looked on my experian report on XX/XX/2022 and noticed a few inquiries that I have not made as I have not applied for any thing in over XXXX years. Experian has extremely long hold times so its impossible to reach out to them for help. Ive tried numerous of times to get this resolved with experian
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

The credit bureau stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 

RE : XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX consumer reporting agencies, I learned of an adverse account from XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my Equifax, XXXX and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.
Product: Student loan

I recently contacted Discover because I was behind in my student loans and wanted to catch up on the payments. After speaking with a Discover representative I was informed I was not able to refinance my loans and discover does not do settlements or work with outside companies. After doing online research I learned this was a lie and the representative was only telling me the company does not do refinancing or settlements so I could keep making monthly payments and not seek a lower interest rates. After calling back and informing the representatives on this matter they transferred me to an account specialist who informed that in fact Discover does do refinancing. After speaking with the account specialist she informed me that in order to refinance a loan you must pass a credit check and have a good payment history, but this is clearly a way to keep you from being unable to re fiance, because if you have not paid your student loans, you credit is effected and you do n't have good payment history ; thus you will not be able to pass there credit requirements and not be able to refinance ; thus you have keep paying higher montly payments and charging more interest. I want to file this compliant for the reasons listed above ; In addition, I get called by Discover on numerous occasion as early as XXXX and as late as XXXX and when I am informed them of the situation they transfer me to another department. I am usually on the phone half a hour at a time, just to tell them I spoke with a representative earlier in the day. This company has lied to me about there policy 's and procedure 's, and calls me non stop.