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

I am writing to formally dispute the improper handling of my identity theft claim and the subsequent investigation conducted by Experian. As a victim of identity theft, I have repeatedly requested that fraudulent accounts, specifically XXXX  accounts not opened by me, be removed from my credit report. However, Experian has failed to comply with their statutory duties under the Fair Credit Reporting Act ( FCRA ), resulting in harm to my credit and violation of my rights. 

I demand immediate resolution to this issue, as Experian has violated several key provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) : Under this section, Experian is required to conduct a reasonable investigation upon my dispute of fraudulent information. Experian has failed to properly investigate or remove accounts that were opened online without my consent or knowledge. 
15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) : This provision requires that when a dispute is filed regarding an account that has been reported as fraudulent, the credit reporting agency must promptly notify the creditor involved in the dispute. It is clear that Experian did not take these necessary actions, nor did they provide timely and adequate responses to my claims. 
15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Under this section, any item that is found to be inaccurate or can not be verified must be promptly deleted from the consumers credit report. Since the accounts in question were fraudulently opened and do not belong to me, Experian is required to remove them from my credit file immediately. 
It is my assertion that Experian has failed to meet the legal standards set forth by the FCRA and has neglected its obligations to investigate and delete fraudulent accounts that were not created by me. 

account name : XXXX XXXX account numbers : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

a person by the name of XXXX XXXX and XXXX called my mothers phone number saying that I owed a dept and that I had to call them at following number XXXX I do n't know which company this is and how they got my mother phone number..
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$21000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Mortgage

In XX/XX/XXXX I purchased a new condo in XXXX XXXX CA from XXXX XXXX. The financing company at the time was XXXX XXXX. From what we can tell, in XXXX, XXXX sold the loan to XXXX XXXX 

We are now trying to sell the condo and our title company discovered a lien on the property from the XXXX XXXX XXXX company. As the loan was bought and serviced by XXXXXXXX XXXX, XXXX XXXX should have removed the lien. 

Unfortunately, XXXX XXXX is no longer in business and XXXX XXXX will have to research the loan and they are not sure they have records that far back. 

I need to get this lien removed from the property and have no one to contact to get it taken care of as records are not in existence.
Product: Debt collection

The first person who called me told me I needed to pay them the full amount right now on the phone, when I asked about a payment plan, she laughed at me, so I hung up. They threatened me saying if I want to avoid legal actions, I better pay, I've asked them to send me proof, to not call me anymore, they call me multiple times a day. I was dealing with a personal issue, so today a friend answered the phone for me, when the person who called me today ( XXXX ) asked for me, never said you're speaking to me, when I asked who was calling, the debt collector proceeded to say that this is for the debt with XXXX XXXX. When I informed the person that I never stated that she was XXXX XXXX, asked to speak with a manager, she hung up on me. I've also asked several times for the agency to send me something in the mail, which they never did.
Product: Credit card or prepaid card

I have many bank products with Wells Fargo. However I have one of my bank product which Is a business credit card account that I had with Wells Fargo for over 5 yrs now that I was making payment and using on a monthly basis that Wells Fargo decided to close this account without my consent around XX/XX/2022. After doing so they started to apply late payment fees and interest rate fee XX/XX/2022 on the remaining balance that I had when they involuntarily closed my business credit card account which I had just made a payment towards that same week/month. From there I started getting collecting phone calls day and night from Wells Fargo about making payment on the account because it was past due and every time I asked the clerk to explain to me why my account was closed unexpectedly, they always replied back without an actual reason ( s ) and proceed to press me to pay the past due or late payment. I even had a rep that goes by the name of XXXX that will call my phone nonstop and even leave voicemails in regards to me paying them instead of explaining to me why they closed my business credit card account which I work so hard to maintain from an unsecured business credit card with my own money to a secured business credit card after couple of years building relationship with Wells Fargo. I have been a loyal customer with Wells Fargo for more then 12 years and that's how they showed their appreciation by closing my business credit card account without my consent.
Product: Credit card

While away last week, I received a letter from Capital One thanking me for applying for a credit card and saying that the credit freeze prevented action on the application.  I did not apply for a Capital One card at any time.  (This is why I have credit freezes.)  Although there was only a mailing address on the refusal notice, written advertising materials included a number to call (XXXX).   A call to that number was answered with a menu option. There was no option to request an agent, even though I asked repeatedly. When I tried to call back several times, I got only a "number not in service" message. After about XXXX minutes, I called the back, used a different menu option (new card) to get a live agent. When I asked for the fraud department, agent XXXX (sp?) put me on hold, then said XXXX would talk with me.  However, the call then disconnected.    When I call back later, I got only the  a message that the "office is closed until XXXX tomorrow."  I then went to website for reporting Capital One fraud and called that number.  A woman with heavy XXXX accent answered and said they could not investigate without having my SSN.  When I refused to give that, she then consulted with someone else and came back saying I would need to submit copies of my credit reports in order to have an investigation.  This seemed fishy to me since there was no way to verify that it was a legitimate site.  I disconnected, telling her that I would be reporting the incident to the authorities.  On the call to reach a live agent, I did have to give my name and address in order to reach an agent but gave only this public information.
In the same week, I received a similar message from XXXX and this morning had a phone message about the application with instructions to call XXXX.  I did have to give name and address to them; they did not request any other information and said they would send letter confirming the cancellation.  Now I have concern about that one as well, though credit freeze should block any action.
Product: Debt collection

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. The id used to open the account is not mines and the address used is in my credit profile. In my last complaint XXXX lied and said that it was not on my credit profile yet it is listed as a collections account.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX reported my credit card stolen. 
Last replacement card activation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX can pnc XXXX XXXX keep my card open
Product: Debt collection

On XXXX XXXX, XXXX I received a email that XXXX XXXX was the collection Company that received the case from mypaydayloans.com. For a total of {$770.00}. I agreed for a settlement of {$510.00}. to be paid in four payments as follows ; XXXX/XXXX/XXXX {$75.00} XXXX {$140.00} XXXX {$140.00} XXXX {$140.00} For a total of {$510.00} After I received this email I was told by Agent XXXX XXXX that a processing fee of {$10.00} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the Company Lawyer Signature on one page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put {$75.00} payment as agreed for XXXX XXXX that same day about XXXX XXXX est XXXX called my brother and harass him about my {$85.00} payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they accepted and made a withdrawal of {$75.00}.  I requested a copy of my new balance with should be {$430.00} that was not send to me via email. If I do not reveive my new balance of {$430.00}, I think this is a fraudulent transaction made by XXXX XXXX XXXX also requested that they contact me via US Postal Services , no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.
Product: Student loan

I was on a repayment plan and have defaulted as we had other bills in place. I advised them I would like to get back on that plan but am unable to repay the defaulted amount. They said the only way to get back on a payment plan is to increase my monthly payments which I can't afford to do. So they call me 3-7 times a day starting at XXXX XXXX. My husband is a cosigner on my loan so they call him 3-7 times a day. My husband also has a student loan. He is in the XXXX and was supposed to have his XXXX XXXX applied to his loan, which we told the loan company but they don't care, they just say well it's not. They want us to pay just as much for his loan as we do for mine which I can't afford. We tried to apply for income based-but we make too much money. They don't take into account all of the monies that we pay out. So they call us 3-7 times or more every day from multiple phone numbers. We have asked them to not call us from dialers hoping to lessen the number of calls, but it hasn't lessened it at all. I don't feel like it's fair that a normal debt collector can't harass you like this, but that Navient is allowed to do it.
Product: Mortgage

I submitted a Qualified Written Request to my " loan servicer '' ( Bayview Loan ), it was signed for on XXXX XXXX, XXXX and I have NOT even received a written " acknowledgement '' of receipt and I am nearing the 30 day limitations under which they have to provide the requested information. It was clearly directed to the person stated in the letter they sent to me, who seems not to exist. I understand there is now a {$2000.00} penalty for default upon this action and that 's not even to mention the fact my loan was predatory from inception, I was extorted more than {$44000.00} by the previous servicer ( XXXX in XXXX of XXXX when they ceased to exist as of XXXX XXXX, XXXX ) and was not even the actual servicer. The XXXX documents that accompanied the Notice of Foreclosure were filed on the exact same day, forged 8 months AFTER the loan was sent to yet another servicer ( XXXX ). Upon serving a QWR upon XXXX on XXXX XXXX, XXXX they immediately drafted yet another XXXX document- the author of which is currently serving time in CA for white collar crime and was completely Robo-signed on XXXX XXXX, XXXX. XXXX subsequently withdrew the foreclosure ( through XXXX, XXXX, XXXX ) and I was later transferred to a company called Bayview, which I had never hear from or of, yet they now sent statements. What should I do? My thoughts are to file a Quiet Title and recoup the damages for erroneous billing ( I was paying the wrong mortgage company for 10 months before I was notified via a " post it note '' on my monthly auto-check, that I was sold to XXXX, it was never late, nor properly accounted for hence my paying in excess of {$44000.00} via the " Foreclosure Mill '' XXXX, XXXX XXXX XXXX in CT - payable to a " deceased entity ( XXXX ). I have been completely defrauded, been subjected to severe distress, financial burden, lies, forged documents and essentially been a rag-doll for the XXXX largest foreclosure mills ( both of which have been under investigation by the CT AG ). My credit has been destroyed by this aside from having broken my back in XXXX of XXXX. I have done everything I feel I can at this point. Can and how do I file a claim for failure to respond to my QWR by Bayview and take further action. I am now on XXXX and am of limited means. I love my family home of 40 years, but these banksters must be stopped!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to cosign for my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit on one of those credit sites and there are some things on there that are not mine. I've contacted my police department and the FTC. I'm doing all this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit. Thank you
Product: Credit card or prepaid card

on XX/XX/17 I had my kitchen redone by home depot. The charge on my credit card was for XXXX. I have been paying my bill monthly and lowered my bill to XXXX. I received a bill in the mail that charged me XXXX in interest, bringing my bill up to XXXX. I feel this is excessive and I was unaware of the interest that would be added to this bill by a certain date. If I had been fully informed of this practice I would not have agreed to this knowing my financial limit. I called and spoke to someone on the phone declaring my concerns and they closed my account and and stated I can pay a certain amt for 5 yrs. I feel violated and feel I was misinformed of this credit card rules. I work hard to keep my credit in good standings and this grossly unjust interest has set me back. I can't believe this could be a legal practice. Please advise.
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General.
Product: Credit reporting or other personal consumer reports

XXXX XXXX needs to expunge all reference to any collection against me immediately and permanently. I hereby submit my filed identity theft report submitted with the Federal Trade Commission. I was never given warning that a collection was poste4d on all three credit bureaus, and this needs to be deleted permanently. I am requesting a full reinvestigation from the credit bureaus for removal. 

XXXX XXXX
Product: Credit card or prepaid card

Bank of America owes me 2 checks and I want them sent out to me immediately I do not have 90 days notice v waited 3 years to get this resolved then when it is resolution telling me my lost checks were cashed all of a sudden and it took them a year to give me this information now they want an additional 90 days my bills are due past due as well and I am asking for a temporary credit to my account for the inconvenience so I can meet my dead line on the XXXX XXXX yiu  have all documents I sent over which is why my claim was honored in my favor I am requesting credit until resolved for the lord and misleading information as well as for the losses and Bank of America admitting fault for these issues as well as my funds missing iv spent to many years on this its very devastating I need to keep my property stable so Im gone need a credit to my account or check expedited to me please
Product: Checking or savings account

On XX/XX/year> I was supposed to get paid my regular paycheck biweekly direct deposit to my checking account at Capital One bank however I did not receive it today is Friday, XX/XX/XXXX and I yet to get my deposit to be able to pay my responsibilities of bills. Instead of receiving my deposit, I have received an email stating there was an issue that the bank is experiencing.
Product: Checking or savings account

in re : XXXX XXXX checking account... ending in -- XXXX navy ffederal credit union is constantly blocking my account while using the debit card while outside of the US. i realized they doing this from time to time so i can not see my transactions and the actual amount charged by a merchant or etc. the navy federal credit union is constantly attempting to confuse the military community by overcharging for international transaction fees. it stated on the contract of the debit card use that there would only be a 1 % fee. but i am seeing well over 3.5 % -- 4 % to nearly over 5 % in foregin transaction fees. the navy federal is not only adding this 3 to 5 percent fee on the charge itself and adding another 1 % on top of that. 
they are making members calling back to US with expensive telephone calls. all the while blocking their transactioin history. its very odd -- the card is NOT blocked but you can not the who or what the merchants are charging you -- the customer.! they have refused to send notification via email for transaction charge verification. since email is my preferred point of communications if my phone service is NOT available while living outside of the US. after my first encounter with in XXXX... the bank did set the rate to normal rate... but after i could no longer see my transaction history because navy federal blocked my account for no reasons the foreign transaction fees was again changed back to the deceptive fraudulant significantly higher foreign transaction fees by manipulating the mid market rate. i have attached especially a transaction example from XX/XX/XXXX in which a XXXXXXXX XXXX charge was significantly off from other times after they blocked my account! they have literally blocked my account transaction history!!! i can not verify my transaction history which is extemely concerning and deceptive the so called customer service is extremely poor... .and very lowely motivated customer service at times -- -this is also very concerning! i have not been able to access my account charge verification since over 1 week now as of today- XXXX XXXX XXXX no email communication has been even attempted by navy federal union. !!!!
Product: Credit card

My DISCOVER credit card account was closed by the company on XXXX XXXX without given any reason. I have remained good credit score and never had any late payment since I got the card on XXXX. 

DISCOVER has promoted its credit card by promising high cash back on purchasing, however they never give any itemized summery on the cash back credit along with every purchase, so it is extremely difficult to keep track of those credits. There were several times when I make purchase using the affiliate link on DISCOVER website but only end up receive XXXX cash back on the statement ( since they do n't provide any record for those purchase and cash back credit, I have no proof to show ). And now that my account was closed, the cash back credit I received earlier was all gone.
Product: Credit reporting or other personal consumer reports

I do not have any agreement with these companies that's on my credit report.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX XXXX XXXX Balance : {$1000.00}