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

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I would like my late payments to be removed from my credit report. I was going through a tough time in which I couldnt make on time payments due to being in school and having too much going on personally. It would be greatly appreciated.
Product: Checking or savings account

Hello, I made a payment with XXXX XXXX on XX/XX/2018 for {$570.00}. I order 30 shirts with XXXX XXXX that I didn't received and no response from owner or company about my order or my requested refund after XX/XX/2018. I filed a dispute charge with my bank ( Navy Federal ) XX/XX/2018 and called weekly to check the status of my dispute charge and was told in the month of XXXX to only fax or send over a screen shot of the final payment of this order. I sent a screen shot of my final paid order from XXXX XXXX to Navy Federal ( emessages ) on XX/XX/2018 and wrote in the comments " Paid proof attachments for my dispute charge that is in place for XXXX XXXX. I can apply emails if needed as well. '' After sending this message I received a confirmation number XX/XX/2018. I continued to follow up with Navy Federal and was always told I may receive a provisional credit and to wait patiently because the process may take up to 90 days. Navy Federal stated to me that a provisional credit was listed on my bank statement XX/XX/2018 but to wait till the provisional credit says permanent. However, so I continued to do my weekly follow ups to check the status of the dispute charge in the top and mid part month of XXXX and was still being told its under investigation. On XX/XX/2018 I noticed my checking account falls into a negative balance of {$490.00}. I immediately call Navy Federal customer service and the call Rep states that they mailed out a letter requesting further information on this dispute charge but not all time is the letter going to say " Navy Federal, sometimes it may be a blank envelop. I explained to the Rep that I call on this dispute charge weekly and when I sent in my proof on XX/XX/2018 I listed in the comments that I can send in additional documents if needed but was told to wait patiently because my investigator had what he or she needed at the time. The Rep further states to me to re-send my screen shot and any other documents before the case is close. On XX/XX/2018 I sent over proof of the final payment I made with XXXX XXXX and all thread emails between XXXX XXXX and I. On XX/XX/2018 an unauthorized charge/transfer comes from my savings into my checking account of {$450.00}. Once again I called Navy Federal to find out why are funds coming out of my savings when I sent over proof that was asked from me and was told that it would be reverse. The call Rep this particularly day didn't have any answer for me because she told me that my investigator was not in at the moment and to wait patiently till my investigator review the case and follow back up with me. On XX/XX/2018 I set up a unauthorized charge/transfer as well for {$450.00} through Navy Federal ( emessages ) with additional documents and received an confirmation number the following day. 

- Dispute Charge : XX/XX/2018 for {$570.00} - Unauthorized Charge/Transfer : XX/XX/2018 for {$450.00}
Product: Credit reporting or other personal consumer reports

The inquiries were not authorized by me and I firmly believe they are fraudulent. I urge you to conduct a thorough investigation and promptly eliminate them from my credit report.
Product: Consumer Loan

( RE : Case Number XXXX, dated XX/XX/2016 ) Have attempted several times to access my account with the company in referenced case number. The error notice I get is " Your account is temporarily is unavailable. Please contact HDFS at extension X-XXX-XXXX. This is the same error notice I have received before and called. However, the recording stated the extensions had been changed to XXXX digits and to remain on the line. I was told there was a legal block on my account and after placing me on hold for a period of time, her response was she spoke with someone there but they were unable to speak to me or remove the block and stated she was having her manager speak to me. 

I 'm a pain, I admit it, but my identity data was stolen recently and I am trying to verify all current accounts ad advise creditors of recent events.
Product: Checking or savings account

My email address seems to have been compromised : XXXX. 

Last night at XXXXXXXX XXXX I received emails from Bank of America referencing an online account sign up. Account confirmation verficiation emails appear to have been opened since I received further emails welcoming me to the bank. 
I then receieved another email around XXXX XXXX this morning showing the denial of an account application under the name XXXX. My name is not XXXX and I did not file an application. 
( Note, I have received a multiple emails over the past few years under the name XXXX signing up for various websites. ) My name is XXXX XXXX and I did not use my email address to attemp to open this account. I am filing this complaint since this person is using my email address to attempt to open a bank account. 
I spoke with Bank of America and they confirmed with me that XXXX did not use personally identifiable information like my SSN for the application, though I am still concerned they were able to sign up and apply through using my email. 
My XXXX password has been changed 3 days ago, and for some reason this person still has access to my information. 
2 weeks ago I experienced fraud on my XXXX account where someone had used reward points to order dinner in Oregon. I live in New Jersey and did not authorize this. I will be filing a complaint with this FTC on this matter. However I believe these incidents may be related and this " XXXX '' should be investigated. 
I will be no longer signing up for new accounts with my XXXX email and plan to delete the account after backing up my data. 

Please let me know if you need any further information from me and if you are able to identify this person and how they have access to my XXXX account even after changing my password and having 2 step verification enabled. 

I have attached the emails from Bank of America which I did not authorize, as well as past emails I was able to find referencing the name XXXX. There were more emails in the past starting around XXXX but I am not able to find them.
Product: Credit reporting

do not have a record that matches the information I entered. MY personal information ( name, SSN, address ).
Product: Checking or savings account

I was told that my account Navy Federal union account in the negative because I didn't have enough fund and that I was charged {$20.00} or more for every single overdraft from my understanding I would be charge only once for overdraft fee and that i would be charge atm fees but i was also charge atm fees from navy federal union. I didn't understand why my account was {$800.00} in the negative. I called them about it but I was told I still needed to pay that balance and Then I realized they had been charging me unnecessary charges. I have been with navy Federal union since 2018 and I know now deep within my spirits I was being taking advantage of by all those fees over the years they have closed my checking however because of the negative balance but have allowed my saving to remain I have not used the saving because they will also take that money to cover the negative balance that I should not have. It would nice for someone to look into navy Federal union on fees
Product: Credit reporting or other personal consumer reports

please check the information concerning the equifax data breach below in attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS 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 PUBLIC FILINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit reporting

I spoke with a representative at Experian after a dispute of the incorrect information was made, then not changed, and to date I have not receive a response after the call was made. XXXX XXXX is reporting that a total of XXXX was written off, but in fact my insurance company paid them XXXX because the car was totaled. I have sent in the documentation, but they refuse to change it due to the fact XXXX XXXX is reporting it this way. I had a short sale in XXXX/XXXX/2012, and Experian is reporting it as a foreclosure. I have disputed this item also. I have a great deal of student loans, that I have disputed also, but are still being reported incorrectly. I have been denied a mortgage due to inaccurate reporting on my credit reporting from all of the reporting agencies, but because I spoke directly with Experian, they are at the forefront.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the accounts in question : I recently reviewed my credit report and discovered several unauthorized inquiries that appear to be the result of identity theft. These inquiries are negatively impacting my credit as I am in the process of buying a home. Please remove the following accounts from my report : Diversified adjustment ACCOUNT NUMBER XXXX, XXXX. XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX & XXXX ACCOUNT NUMBER XXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Mortgage

Acquired mortgage loan initiated by United fidelity. 
Home purchase sign date : XX/XX/XXXX United fidelity TRANSFER to Freedom Mortgagr XXXXLetter Dated to me via email XXXX United FidelityXXXX XXXX XXXX Payment provided to United fidelity to be transferred over to freedom mortgage but only transferred partial amounts in the escrow balance not including prepaid amounts associated to cover additional room in my escrow account. 
I notified United Fidelity after receiving my statement from freedom mortgage that did not show my payment of {$2500.00} on XX/XX/XXXX but only showing they sent over only {$2500.00} on XX/XX/XXXX. The notice of transfer was sent to me 15 days later than the service transfer date of XXXX ultimately the confirmed and processed cashier check that went to United for next payment then they never sent it. Also excluding my interest actually applied for XXXX, negating the payments I made prepaid to Hazard and home insurance along with property tax amounts. Remaining not limited but associated {$2000.00} property tax and prepaid 3 months advance to cover additional months for 3 months not including full prepayment of {$2800.00} sent for home insurance for XXXX with XXXX XXXX. In addition the XXXX XXXX contract amount was actually {$2600.00} which I paid XXXX. No refund provided back to me from anyone. 
Summary : XXXX accounting by statement based on date of origination of loan ( servicing transferred from united XXXX XXXX XX/XX/XXXX ) 2. Statement and payments made to Freedom started with monthly payment for XX/XX/XXXX, submitted and provided to start autopay. 
XXXX. Mortgage insurance paid in advance to XXXX XXXX from payee at XX/XX/XXXX loan sign date. 
XXXX. 3 months in advance payments made to escrow at sign date ( XX/XX/XXXX ) for FHA And Escrow. 
XXXX. {$2200.00} transfer from XXXX XX/XX/XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a serious issue related to identity theft and inaccuracies on my credit reports with XXXX, XXXX, and TransUnion. 

On XX/XX/2024, I filed a report with the Federal Trade Commission ( FTC ) regarding fraudulent inquiries, incorrect addresses, and my name being reported incorrectly on my credit reports. I am a victim of both identity theft and a data breach, and in XX/XX/2024, I uploaded a police report to each of the credit bureaus to verify my situation. 

OnXX/XX/2024, I also mailed certified letters to the credit bureaus to further address this issue. Included with my FTC report were supporting documents such as my driver 's license, a utility bill, and a bank statement, all of which provide my correct and current information. Despite these efforts, XXXX, XXXX, and TransUnion have failed to remove the inaccurate information, which has severely impacted my credit. This ongoing issue has made it difficult for me to access credit, as creditors are unable to verify my identity due to the conflicting information on my reports. 

I am seeking your intervention to ensure that XXXX, XXXX, and TransUnion take immediate action to correct these inaccuracies and restore my credit standing. The continued presence of this erroneous information is causing significant harm to my financial stability. 

I appreciate your attention to this matter and look forward to your prompt response.
Product: Bank account or service

On Wed, XXXX XXXX I opened an account with Wells Fargo after I sold my home in New Jersey what happened between that and when I closed XXXX XXXX, took me by surprise. On Friday XXXX XXXX. After I the bank check had cleared I went to a local dealer and brought a new car. By Sat. XXXX XXXX going into the first weekend of having an account at Wells Fargo, for some reason they turned off the temporary ATM card that was given to me with no reason on why. It took me to Sunday XXXX to get that resolved. At first I was told that I would have go back to the branch which by then was closed until Monday. However when I called and complained a lot, the call center was able to fix that problem. When I did actually moved Wells Fargo froze all purchases made with the ATM card by them I been using the permenant one. The purchases were frozen since Wells Fargo was concerned that somebody had gotten a hold of the ATM card. When I called them about the first problem I told Wells Fargo many times that I was in the middle of moving. The second time they did n't understand that I had moved and froze the card anyway. Before leaving I told Wells Fargo that since I am moving and stopped all mail when I was still leaving in XXXX by Monday XXXX XXXX my ATM card was declared lost and stolen, I had called them and asked them to over night a new one to me and was told it would be there that Wed XXXX XXXX. On Tuesday XX/XX/XXXX I am staying with Friends XXXX of them tried to call Wells Fargo and see if he could get them to speed things up. The person whom he spoke to a branch manager from Texas insisted that the process would take 2 days. Oddly enough a replacement did arrive on XXXX XXXX and at XXXX. A full day before Wells Fargo said the new one would arrive. Between XXXX XXXX and Monday I did try to get the bottom of this. Even sending a complaint to the XXXX. Somebody from Wells Fargo contacted my phone left me a message saying that somebody would contact me. Naturally that never happened. On Sunday I called Wells Fargo and the person from there call center told me that somebody would call that person never did either. When I did reach a supervisor the person read to me what was on the screen, ATM card lost or stolen, never mind that Wells Fargo never contacted me. I did try to tell this person that all I said to them before I left XXXX I was concerned that the XXXX ATM would be mailed to address where I did not live anymore that supervisor did n't want to even listen or hear it. He saw ATM card Lost or Stolen and that was that. Monday night when I got to my hotel I tried again reaching somebody from the online banking/ATM cards. That person read to me what was showing on his screen and could n't answer me why nobody tried to contact me at all. I based that on a voice message and what an banker from there call center said to me. Nor he could even explain to me why I was never contacted. Even I did change my contact number Wells Fargo had an active email address which they did not use either. All I am looking is what is going on and why I was never contacted.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX, XXXX XXXX XXXX {$880.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$2000.00} US DEPT ED XXXX Balance {$2100.00}
Product: Checking or savings account

I realized that my identity was stolen a while back and I recently checked my credit and discovered accounts that are the result of identity theft, and these account is XXXX of them.
Product: Mortgage

On XX/XX/year> I proactively instructed NewRez not to pay XXXX XXXX because I had secured new homeowners insurance through XXXX XXXX. Despite clear instructions and confirmation, NewRez paid both XXXX XXXX and XXXX XXXX from my escrow account, resulting in a shortage. NewRez is now improperly raising my mortgage payment based on a shortage caused by their own error. I am seeking a billing correction, a refund of my escrow account to its rightful balance, and for NewRez to cease the mortgage payment increase until this issue is resolved. I respectfully request the XXXX XXXX assistance in ensuring ShellPoint Mortgage Servicing/NewRez corrects this error immediately and restores my escrow and mortgage payment to the correct amounts.
Product: Credit card

I have a charge off account through chime bank. I have tried to pay this balance but they will not take payment. There was no collection agent. No way to pay the past due amount
Product: Debt collection

The following Violations were violated as a consumer - 15usc1692 ( B ) " an attempt to collect a debt '' is language that indicates your in the debt collection business which is a direct violation of 15usc 1692 ( b ) 5 -1692 ( C ) being contacted at a time that is inconvenient for the consumer -1692 ( C ) did not have my prior consent to contact me, the consumer at all which included via mail, telephone and email
Product: Credit reporting or other personal consumer reports

created without my knowledge. Account does not belong to me
Product: Checking or savings account

This happened with Bank of America. I had about XXXX in my checking account. I setup a autopay for credit card from checking account for XXXX. I was charged twice for autopay. So my balance became XXXX. Now since the daily balance is below XXXX, i was charged a monthly fee of {$12.00}. The bank then returned the XXXX they debited by mistake from bank 's end. 
I contacted the bank multiple times and they said they will look into it but i never got my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Inquiry : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a potential fraud activity from accounts being opened in my name through Equifax and XX/XX/XXXX on XX/XX/2019 and XX/XX/2019, that I did not speak to someone on these matters, I am a victim of identity fraud so I'm not understanding how was the system able to move forward with hard inquiries without calling me considering there is a phone number stated on all 3 of my credit files to contact me before any credit is being issued and this did not happen. So please explain Equifax and Transition how did this happen how are these creditors able to put hard inquiries on my credit report without contacting me here are the inquiries as followed : on XX/XX/2019 received a fraud activity alert from Equifax for 4 accounts -XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX received a fraud activity alert from XXXX  on 1 Account XXXX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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, credit repair services, or other personal consumer reports

I have tried to dispute this account previously. I have no contract with this company. The company reporting the credit item and it has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me.