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

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my XXXX XXXX identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per XXXXXXXX XXXX  XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX XXXX. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Global lending services has contacted me several times after I told them multiple times to stop calling. They then called my wife and co workers multiple times after they also asked them to stop calling ( multiple times ) last call they made was to my wife on XXXX at XXXX on her phone ( XXXX ) XXXX. I talked to a supervisor and she insisted they wouldnt call anymore but the calls still continue at a harassing rate.
Product: Credit reporting or other personal consumer reports

This is a formal dispute regarding the inaccurate reporting of the LVNV Funding collection account on my credit report. Collection accounts should not reflect monthly payment histories, yet this account is improperly reporting a payment history with " CO '' ( charge-off ) and even " OK '' in XX/XX/XXXX, which is inaccurate and misleading. Once an account is sent to collections, it should be reported solely as a collection account without ongoing delinquencies. Additionally, the " Date Last Active '' is listed as XX/XX/XXXX, a date that is clearly erroneous. Furthermore, no " Date of Last Payment '' is reported, and there is no consistency in reporting across all credit bureaus, as XXXX does not reflect this account at all. This is a violation of the Fair Credit Reporting Act ( FCRA ), as it is your obligation to ensure the accuracy of all reported information. In XXXX XXXX XXXX, XXXX, XXXX court held the collection agency accountable for failing to verify accurate information, setting a clear precedent. The inaccuracies in this account, combined with the lack of proper verification, warrant immediate removal. I request that this account be deleted from my credit report due to the reporting errors and failure to adhere to FCRA requirements.
Product: Checking or savings account

TD bank closed my account mentioning that my signatures don't match. Initially, they were going to open a new account after filing a police report. This happened on XX/XX/18. I was a victim of check fraud.
Product: Credit card or prepaid card

Barclays US modified their XXXX Visa card benefits and did not notify me of the change.
Product: Debt collection

IC SYSTEM COLLECTIONS REPORTING THAT I OWE THEM A DEBT. I SENT 3 REQUESTING NOTICES FOR VALIDATION OF THIS DEBT
Product: Credit reporting or other personal consumer reports

Good morning, XXXX XXXX is illegally reporting to my credit report. The account was opened without my knowledge and has since been reporting negatively to my credit report. 
In XXXX of XXXX, I realized I was a victim of Identity Theft and have since been on a mission to rectify these accounts. 
One of the accounts is from XXXX XXXX. When I notified them that the account is opened fraudulently, they said that the account is verified. 
XXXX XXXX went and updated their outdated info with my current data to make it seem that the account was verified and I have proof. 
After hours of bombarding a customer service rep, I have the original contract that was signed with XXXX XXXX vs their edited one. 
I know for a fact that they edited this contract because I moved to my apartment in XXXX and acquired a different phone number in XXXX ( the ones on the edited contract ). 
The only reason I got the original contract was because a customer service rep felt bad over my situation. 
It's impossible that in XX/XX/2023, I included an address and phone number that wasn't active until XXXX of that year. 
I have shown them multiple versions of evidence such as identity theft reports from both my local police AND the FTC and yet they still say this account is verified. 
What they're doing is illegal and they should definitely get in trouble for it. 
It isn't fair. 
I have attached both the ORIGINAL contract and their EDITED one, my lease that proves that I started living in my apartment in XXXX of XXXX  ( which means I wouldn't have put that address in XXXX of XXXX  ) and a pdf proving my identity. 
I have also included a voice recording of the " verified conversation '' between me and a customer service rep. 
If you listen to the audio, the person verifies the address from the original contract NOT the edited one therefore proving that XXXX XXXX illegally edited their contract to seem like I was verified. 
Please have them cancel this account, discontinue reporting to the credit bureaus and get them in trouble for the illegal activity they're doing. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the cardholder for a XXXX XXXX Store Card Account in 2018. I paid the card off with no delinquency or late payments and I did not use the card thereafter. I reviewed my credit report and noticed that the Account was indicated as closed, {$0.00} balance paid. 

My legal team advised that although the card is paid to it's entirety, because I have a short credit history this closed Account impacted my score negatively rather than improved it so I was urged to contact Capital One directly to request a deletion letter or have the bureaus update the credit reports to reflect a {$0.00} balance only. I recently spoke with two representatives who stated that Capital One does not offer goodwill/deletion letters but a {$0.00} balance letter and Account Closed letter can be provided. 

I know the company XXXX XXXX, has went out of business in 2018 therefore the card was no longer active. However, the reporting to the bureaus affected my score and this blemish needs to be erased. I have proof and the credit reports to prove that that the card was paid on time and satisfactorily.
Product: Credit reporting or other personal consumer reports

XXXX {$10000.00} Denying account belongs to me
Product: Credit card or prepaid card

XXXX XXXX Book preordered from XXXX XXXX XXXX XXXX XXXX Advised XXXX XXXX XXXX I am moving to XXXX  and to send it to my new address XXXX  - Follow up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acknowledges, has been dealing with family issues XXXX - Shipping confirmation with old address received. Asked XXXX XXXX XXXX to confirm they will correct mailing address. 
XXXX - USPS confirms package delivered to old XXXX XXXXddress XXXX - Reached out to XXXX XXXX XXXX to send me a replacement or refund XXXX  - Opened Dispute with CitXXXX XXXX - Citi closes dispute with no investigation and says " Customer Responsible '' XXXX - I provide communications and proof that address change was confirmed and book still sent to wrong location XXXX  - Citi reopens dispute XXXX - Citi contacts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX responds. Their answer is simply, " XXXX shows delivered. '' To the incorrect address. 
XXXX  - Citi closes dispute as " Customer Responsible ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian re : XXXX XXXX XXXX. 
I contacted Experian on XX/XX/2021 to begin a dispute against the above Collection Agency. The dispute is stating that XXXX XXXX is reporting inaccurate information. Based on FCRA, the DOFD that must be reported is date of delinquency. The Collection Agency illegally re-aged the account and committed a serious violation. Attached are copies of my dispute results from Experian along with copies of the communication received from XXXX XXXX XXXX verifying the CORRECT dates. I previously called XXXX XXXX XXXX and was told that I had to write a letter and mail. I am an unvaccinated person and don't really go out to Post Office and this was an undue burden for me. The person on the phone was rude and unwilling to cooperate although I have the PROOF of the inaccuracy.
Product: Credit card

Chime secured credit card Dispute # XXXX for a transaction dated XX/XX/year> For a total of {$180.00}. Chime has already took back the funds from my XXXX  weeks ago. They wont issue me back my money. The dispute says it takes 10-20 business days to resolve Ive been waiting since XX/XX/XXXX. Now they gave me a time limit of XX/XX/XXXX to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

Encountered fraud where someone has my social number and another copy of drivers id, also monitered my phone calls so my bank accounts were compromised, money were transferred out of my discover savings and my cd were closed. i reported to discover and they reopened my savings and cd, however they closed and seized my savings account balance later on, when i asked they said refused to talk to me about the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX/Equifax/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Inquiries : XXXX XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity theft is registered with the FTC # XXXX. 
My ongoing dispute regarding Reported as # XXXX XXXX XXXX joint mortgage It was stated originally XX/XX/XXXX as XXXX XXXX XXXX FLORIDA AT {$950.00} PER MONTH on XX/XX/XXXX paid off XX/XX/XXXX and experian did the dispute investigation and experian changed it to report # XXXX joint mortgage XXXX XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. 
I finally have the evidence of my claims against XXXX  XXXX XXXX. 
The attached 2 letter from XXXX THRU THE CFPB ongoing complaints star officially as follows XXXX XXXX XXXX my complaint cfpb response to two people not just me addressed to XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX nc XXXX states yes there was a joint # XXXX mortgage XX/XX/XXXX paid off XX/XX/XXXX HERE IS THE FRAUD PROBLEM DONE on my US legal name XXXX XXXX XXXX REGULATORY commission celebs XXXX second letter of XXXX of my ongoing complaints states that there was a SEPERATE BANK NOTE ( not original mortgage ) for a XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. THIS IS A FORGERY AND FRAUD DONE ON MY US LEGAL NAME .AND that there were numerous other fraud loans for XXXX XXXX  forgeries in my name THAT WERE NOT MINE. My claims of the disputed # XXXX has been finally proven experian and XXXX and XXXX it was a XXXX for XXXX XXXX at approx {$680.00} per month XX/XX/XXXX paid off XX/XX/XXXX. Please investigate and correct My only loan XXXX and XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX nc XXXX was a XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX VA FOR APPROX XXXX XXXX as per. The attached good faith statements from XXXX  which shows fraud by someone else 's initials on another app of some kind and XXXX loan app XXXX. 
NOTE MY CLAIMS of THE ADDITIONAL fraud forged loans of XXXX XXXX each with my name attached will be discovered eventually with the Cfpb assistance # XXXX registered with MERS and a line of credit XXXX XXXX XXXX # XXXX on experian XX/XX/XXXX report. I request another reinvestigation due to new evidence and it is stated by XXXX themselves thru the 2 cfpb responses from my ongoing complaints regarding this situation.. finally in XXXX it is clear note I did not receive these XXXX letters until late XX/XX/XXXX and was stated by XXXX they were sent alit earlier ..I reported the us mail problem again at that time to the federal law enforcement usps online. I am requesting from XXXX THE SIGNATURES AND LOAN OFFICER AND LOCATION OF WHAT XXXX where the stated XXXX XXXX BANK NOTE WAS ISSUED
Product: Student loan

For 3 years I have made payments late to Discover Student Loans occasionally but never more than 30 days late. They repeatedly call after being 3 days late 5 times a day starting at XXXX and ending at XXXX. It is harassment and I wish I could afford to pay on time but think this is unfair treatment. Please help me if you can. Thanks
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries REMOVED from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim by the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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
Product: Credit reporting or other personal consumer reports

i have disputed XXXX  on several occasions from ridiculous mortgage hike, proof of lenders base insurance and unpaid property taxes. my taxes have been part of my escrow account for over 10 years. 

once again we have the issue of unpaid property taxes. so i reached out to the ombudsman department again on XX/XX/XXXX. because back in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  i was assured that all taxes was paid and current. 

however, XX/XX/XXXX i pulled the deed to my residence and was shocked to see a forfeiture on my property place by XXXX XXXX treasurer for unpaid XXXX property taxes. i immediately contacted XXXX ombudsman department the next business day. speaking with a young lady i believe to by the name of XXXX. 

she stated she will need to get permission to seen me a email for me to attach my document for review. 

after a few days i received the email and i did just that. i then received a call from XXXX stating my document was received and would be forwarded to the appropriate managing department for resolution. she also stated if i gave them a few days anyone should be able to give me the results / resolution. 

its now been over 30 days and ive yet to receive any resolution. and the company is still reporting negatively on my credit with all three bureaus.
Product: Debt collection

I have sent certified mail on XX/XX/XXXX asking this company for debt verification I asked for the amount that they purchased this debt for I asked for original loan document and proof that this debt belongs to me. The company never responded to my certified mail. And I have proof it was delivered. So I contacted them on XX/XX/XXXX and with a unsuccessful attempt the representative was so rude I instead of supplying me with the information I requested he interstates me with a hundred questions about the account he never provided me with any proof so he hung up on me.. I then call back about a week later and spoke with another representative and now Im being told because the previous representative put notes on the account that I was being represented by a attorney they cant provide any information.. I explained to that representative that I am not in any way being represented by a attorney and that the other representative was not being truthful when putting in those comments.. The company then said send us letter stating you are not being represented by a attorney via fax or mail and then we can talk to you.. well I have since done both and this company just continues to give me the run around and not providing me with the information that I am entitled to since this account is reflected on my credit report and I have made several attempts to contact them Ive been dealing with this since XX/XX/XXXX and still no resolution.
Product: Checking or savings account

Complaint About Overdraft Fees by Navy Federal Credit Union I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees charged to my account.

I believe these fees were applied unfairly due to : -Multiple fees charged in rapid succession.

-Delays or manipulation in posting transactions to maximize overdrafts.

-Lack of clear disclosure about overdraft policies or the ability to opt-out.

I have contacted Navy Federal for resolution but have not received a satisfactory response. These practices have caused financial hardship, and I request CFPBs assistance in investigating this matter and recovering the fees.
Product: Mortgage

MY MORTGAGE CHECK HAS BEEN STOLEN BY ONE OF LOANCARES EMPLOYEES -- >ACCOUNT OF ATTEMPTED IDENTITY THEFT BY A LOANCARE EMPLOYEE -- < XXXX XXXX Acct # xxxxxxx LoanCare Mortgage Acct # xxxxxxxxx SS : xxxxxXXXX INCIDENT DESCRIPTION ; My bank -- -- issued an automatic payment check payable ( mailed ) to LoanCare , LLC ( copy attached ) in the amount of my XXXX amount due ( {$1900.00} ). The check was stamped Received XX/XX/2019. Yesterday, I received a hand-written letter from a XXXX XXXX ( XXXX ) of XXXX XXXX XXXX, XXXX, NJ XXXX. ( Relevant documents attached. ) The letter to me claimed : 1.  LoanCare LLC had written her a letter enclosing a copy of the above check ( my mortgage amount ), with the Credit to the account number ( old XXXX mortgage account number ) typed above Pay to the order of LoanCare , LLC ; 2. She said that LoanCare LLC alleged in that letter that the amount of the check had been erroneously deposited towards her mortgage which was sold over a year ago ; 3.  Because her account had a XXXX balance, LoanCare was returning the check to her ; 4. Along with my NEW LoanCare account number!!! And 5. She was being extremely conscientious about writing me about this mix up so that this mix up on their part does not cause you any added grief or stress ; and 6. She enclosed the To whom it may concern, memo she says she sent to LoanCare LLC notifying you that ( a ) Mr. -- -- -- had accidentally put the wrong loan number on the check ( a type-in number by my bank is no accident ), and ( b ) And, The representative at LoanCare LLC also asked me to include Mr. -- -- - 's loan # xxxxxx ( WHY? ) Question : Where is the physical check made out to LoanCare LLC??? 
Another question : What would be the reason for LoanCare LLC to send my check to her? 
Further : ESPECIALLY WITHOUT CASHING IT, since they evidently KNEW the new LoanCare #? 
Further : My bank noted that LoanCare had cashed my XXXX check by looking up that #!!! 
This is a ( pathetic ) attempt to steal my identity and bank information. 
I have closed the account the mortgage payment was drawn on, opened a new account, and paid my mortgage on the phone today. ( I need to get a refund for the {$15.00} phone payment fee. ) I have notified the police in XXXX, CT, of this attempted identity theft. 
LoanCare LLC needs to launch an immediate investigation of its payment processing personnel!!