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

I recently looked at my credit report XXXX XXXX XXXX XXXX XXXX  and noticed it was not accurately being reported. It shows XXXX late payment on ( XX/XX/21 ) which in FACT was paid on time. The reporting agencies are required to report information with complete accuracy. Ive attached a copy of my report of this complaint on the following date ( XX/XX/21 ). Am asking for full investigation with verifiable proof, and records that show I had a late payment on ( XX/XX/21 ). If this information can not be verified I demand the late payment on ( XX/XX/21 ) to be updated to Paid immediately. 

Thank you so much for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I Filed identity theft and I have been in an ongoing data breach and I've been heavy inquiries that I never took part of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I called to make aware 2 weeks ago regarding fraudulent charges made on my card. They were going back to May since I was on bed rest for 12 weeks. I was told Id get a form to fill out and writhing 10 business days receive a credit while charges were being investigated. I received my new card but no letter to report charges and on top of that my card has been blocked to where it can not be used. I want my money back asap! This company has a habit of playing with ppls money.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of Items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

My wife and I moved into our first purchased home in XXXX  XXXX. Our mortgage was then sold twice and we were put with XXXX XXXX XXXX We made a few payments to them and then in XXXX XXXX  our loan was sold again from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX apparently totally different entities ). Our XXXX payment was made to the first XXXX  and during the loan transfer process and that payment was " lost '' according to the new XXXX. We submitted proof of payment and continued to make monthly payments as instructed. Every month we were notified our loan was delinquent through certified letters and emails, I would call and they would say " Oh we're sorry about that. You're not delinquent, we just need to find that XXXX payment. '' Today, I went to make a payment for XXXX and XXXX  is claiming we haven't made any payments since/including XXXX and that we owe them {$12000.00} immediately. I contacted my bank to confirm the payments went through and then did a third party call with my bank and XXXX  and then they claimed two of the missing payments were in suspension but they didn't have record of XXXX 's payment even though my bank statement confirms all of them. I have spoken to realtors and mortgage brokers in our area and they all think this could possibly be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXXhree credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have had a long history of issues with Navy Federal Credit Union. It started on the first month of the mortgage with them. All the closing documented had one start payment date, a short time later they told me the first payment had been changed and is now due less than weeks from this notification. 

Another highlight was when I took a XXXX cut in pay during financial crisis. I was having issues with making a payment so I called for help. They said I could spread one payment over the the following three months. I soon learn they turned off my credit-card and reported to credit bureaus I was 30+ days late for the following three months I was making up the payment. I complained to NFCU and they refused to make it right. 

During the last several years I was still struggling and NFCU would refuse to help/offer assistance. I filled out their relief packet with no help in return with the 1st mortgage, they did help with the 2nd. I called the VA more than once for assistance. On more than one occasion they stated NFCU was very difficult to work with and they had to call NFCU in order to force them to work with me. 

During the same time I needed help they would deny me access to my accounts if I was late paying. When I complained they said I needed to call in if I wanted help with accounts. 

On a couple of occasions my home was on the brink of foreclosure. On one specific instance they made me pay all of the extra fees to get it out of foreclosure even though it was never sent to the attorney for foreclosure. 

During the late pays they would call non-stop, almost hourly from early morning hours to late at night. 

I also had an insurance claim on my house for damage. I had deposited the money to my account so I can do repairs. I soon learned that NFCU forced XXXX to send the money to them to hold the money. When I called NFCU they stated they are going to hold the money to make sure I got the repairs taken care of. The amount of hoops I had to jump threw in order to get money for repairs to my house. I did n't know they can force another financial institution to withdraw money from a members account and hand over to them. 

There are many many more issues with NFCU, this is just the highlights over the last few years. I have filed complaints with XXXX, NCUA, etc. 

Recently NFCU refused to provide XXXX a copy of the 30 day payoffs because my signature did n't match what they had on file ( I guess from 20+ years ago ). I tried to fill the link out on line and ironically the link did n't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3200.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Student loan

Upon reviewing my transaction history with Navient, I found {$4500.00} in interest charges beginning XX/XX/XXXX, and continuing through XX/XX/XXXX. It was my understanding that interest was not to be charged during this time. I was also making payments during the majority of that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX Under 15 USC XXXX this is a billing Error always paid as agreed on time this is an error this account in Violation. 

XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXXXXXX XXXX  Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
Product: Credit card

I Contacted Barclay Bank Credit Card company to report a fraudulent Convenience check associated with my account in the amount of {$4200.00}. I filed a fraud claim and followed through every time they requested payment -- a total of XXXX long phone conversations asking me to be patient with the investigation. In XXXX instance they even sent me a copy of the fraudulent check ( attached ). It has been almost 3 months and I called again after I received another email requesting payment. Barclays claims I did not file a fraud! They say they will file a new fraud claim and are asking me to wait another two weeks before calling again! 
I never requested nor ever used convenience checks from this credit card company.
Product: Checking or savings account

Banking acct opened with Wells Fargo using my name, email address, ssn and home address on XX/XX/22. This was not me or my actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report, and I noticed an account that was recently under dispute still inaccurate. The account still has the same inaccuracy regarding the account and not XXXX piece of information was changed. EXPERIAN is in violation of 15 USC 15 USC 1681i. EXPERIAN claimed that the account XXXX XXXX XXXX Account Number : XXXX remains which is an implication that the account is accurate as is. EXPERIAN has validated inaccurate information, and this account is hereby disputed. The information on the account being furnished in my consumer report is in fact inaccurate. There are instances of duplicative reporting in the payment history section regarding late payment notations. I have already given detail in my initial dispute letter regarding what was wrong the account yet EXPERIAN states that the account " remains '' unchanged. EXPERIAN is in violation of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. EXPERIAN has failed to accurately and appropriately address the inaccurate account in which they verified to be accurate. EXPERIAN is in violation of 15 USC 1681i ( 5 ). The CFPB stated in an article connected to their newsroom that consumer reporting agencies and creditors have been failing to abide by the regulatory rule of dispute resolution. They also stated that these companies have been constantly violating the FCRA by intentionally reporting misinformation, giving default responses, and verifying inaccurate accounts ruining the integrity of consumer 's credit reports. EXPERIAN fits the bill.
Product: Credit card or prepaid card

I had been making payments on my amex account ( 183 ) that had been closed and transferred to a debt collector every two weeks. I missed the last two payments that would have satisfied the remaining balance and got a call and told if I make the last two payments that day I can clear up the account. I agreed to pay that day. I was charged for both payments ( 366 ). Now when I call amex they tell me the account wasn't paid off In time and transferred back to amex.
Product: Debt collection

The company, Midstate Collection Solutions, autodialed my number and had me wait on the phone for 15 minutes, at which point I was automatically disconnected because " there [ was ] no one available to take my call ''. 
I waited to tell them that they were looking for the wrong person ( my credit report is pristine ), as this has happened a few times since I opened this line through XXXX. 
In the future, no doubt, they will be trying to reach me again and me answering the phone to let them know they reached the wrong person should only happen once.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB On XX/XX/XXXX I asked XXXX XXXX XXXX to provide proof of my responsibility of an account listed on my credit report. [ XXXX ] I then ( XX/XX/XXXX ) received a message from XXXX XXXX XXXX that they were a collection agency whom I have never done business with. [ XXXX ] The account is listed on my credit report as OPEN which is not only inaccurate but they have listed themselves as 2 separate entities on my credit report ( s ) appearing twice. Once as an OPEN account on XXXX and once again on Experian/XXXX with inconsistent Payment Statuses. [ SEE ATTACHED ] On XX/XX/XXXX I informed each of the credit reporting agencies ( Experian, XXXX & XXXX ) that they each are allowing an inaccurate listing on my credit report that is currently causing me ( and my family ) financial strife. They were all made aware that XXXX XXXX XXXX was reporting inaccurately each month and that they were verifying incorrectly. [ XXXX XXXX XXXX ] I was under the impression that everything listed on my credit report should be accurate, verifiable and timely. 
- XXXX XXXX XXXX ( or XXXX ) has no OPEN account with me yet they've listed themselves as OPEN on Experian and XXXX - XXXX XXXX XXXX ( or XXXX ) has a DATE OPENED date as XX/XX/XXXX on XXXX, XX/XX/XXXX on Experian, and XX/XX/XXXX on XXXX yet which theyve been informed of. 
- XXXX XXXX XXXX  ( or XXXX ) is inconsistently reporting varying data points on several of my credit reports. 

As a remedy XXXX XXXX XXXX should be disallowed from listed ANY account information on my credit report as they are inconsistent in their reporting across several credit reporting agencies. 

Please remove XXXX XXXX XXXX from ALL of my credit reports.
Product: Checking or savings account

A third Wells Fargo rep by the name of XXXX has replied again using same general form response which basically states numerous attempts at resolution made, exhausted all efforts ... As stated numerous times prior and again here, this reply is entirely bogus as there were no such attempts such as reaching out via email, phone, or otherwise. Further, such attempts are not detailed and should be if true.. I can assure the CFPB and any other third party, Wells Fargo rep ( s ) are lying ... I've called their Executive Office Phone Bank numerous times, reps do not seem to be familiar with mediation program and can not locate a XXXX XXXX, a rep whom replied initially via CFPB portal whom also used reply mentioned above..They attempt to refer me to one of settlement administrators whom have nothing to do with mediation program.. Recently, I've been attempting to resolve fraud check issue, I mailed in an affidavit on or around XX/XX/XXXX and it was returned back to me. Amount of check is {$5100.00}, which was not received by myself, intercepted by a third party.. The check copy was mistakenly not included with afidavit, I left a message with a XXXX XXXX about this on XX/XX/XXXX, he assured me he would frwd check copy to fraud with explanation about missing check and email XXXX XXXX in re as well ... It appears he did not as the affidavit was mailed back to me due to missing check copy.. I believe XXXX was supposed to frwd check copy as well, not sure, it appears he did not ... I scanned copy of affidavit and check copy on XX/XX/XXXX, emailed it to XXXX, this could have been avoided had he and XXXX contacted fraud prior as mentioned ... Along with affidavit and check copy, I explained to XXXX that mediation might not be necessary if a settlement amount is available, which I would consider. It appears no settlement offer is available, only through mediation..Most recently as of today, XX/XX/XXXX, I received a call from a XXXX with fraud investigation ... He requested to know details of check and why it was issued to me which I explained to him it was for a settlement pre-mediation with XXXX XXXX.. This is the last I have heard and nothing else in re.. In closing, should fraud investigation conclude with no check reissue, I will need an address to mail notice of small claim suit to as I did not receive funds. Also, it appears the mediation amount offered by XXXX was low-balled, I've spoke with other current and former Wells Fargo customers whom have received more with lesser damages. I explained check was not received/intercepted, offer low-balled to a XXXX XXXX with mediation, he denied everything I stated, going as far as contradicting himself ... saying he is not a handwriting expect but I had signed check when I did not receive it..Since he was not willing to move by offering settlement, I then requested to speak with someone in charge, XXXX XXXX reached out and he and I have been emailing ever since. His last email stated an updated meditation packet is being worked on, should be sent soon ... He has been saying this for several weeks now, it does not appear one is going out..