23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

While disputing inaccurate information with National Credit Adjusters, XXXX and XXXX XXXX replaced the previous XXXX XXXX account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have NCA and XXXX XXXX reporting duplicate accounts with inaccurate non validated information while NCA has not provided the information I have requested per my CFBP complaints. 

Both XXXX XXXX nor NCA have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to XXXX XXXX response to CFBP complaint # XXXX where they confirm that XXXX XXXX closed this account.
Product: Checking or savings account

Opened Citibank savings and check accounts. Added funds several times on XX/XX/XXXX transfer funds in a wire transfer to external account and had added XXXX funds from XXXX  XXXX  i received a call from Citibank asked if I had made the wire transfer I told yes. She said my account was being blocked and I could call in two days and it be unblocked. As of today XX/XX/2024 not unblocked still blocked they said they have sent 4 letters with reference number. With two of requested by me to be certified to be able to track the letter. I have yet to see a letter called every day since happened wrote numerous emails to Citibank today got a message fees was taken out of my my account when it been blocked the whole time amount of XXXX I emailed the customer service and I am filing this complaint against Citibank. My hope that you can get better results than I got. Holding total XXXX and taken fee on account that been blocked from one month. Given information to verify and still will not unblock. This account should never been blocked. Then their practice of unblocking needs to updated. Thank you for looking into matter for me XXXX XXXX added I am XXXX unable to go into a local bank branch to make changes and why opened account online
Product: Mortgage

I received a written response from Wells Fargo, which basically said they did nothing wrong and that in fact I never had a locked in rate. That was not true and again I was never told at anytime during the course of the application that my rate was contingent on my home appraising at {$500000.00}. I got my own appraiser, e said the appraiser that Wells Fargo used left anywhere from {$75000.00} to {$100000.00} off the value of my home. The appraiser I got also said the XXXX XXXX XXXX XXXX comparable was listed at {$690000.00} and sold for cash for {$550000.00}. That property was sold for redevelopment not to live in and was listed as a non-usable property on that tax board website, the appraiser I hired said Wells Fargo 's appraiser never checked the sale of the property, the XXXX XXXX   XXXX XXXX was a transfer of title to a business, yet Wells Fargo had that as a sale {$380000.00} when in fact the property was never sold, the Wells Fargo Appraiser never checked that either. The XXXX XXXX XXXX XXXX property other than being on a busy road isn't close to be comparable.The were numerous factual mistakes about my home as well, with regard to upgrades, efficient heating and cooling system, and size of my property, yet somehow Wells Fargo insists they did nothing wrong. How can you make a determination of value when you are not comparing to properties that are usable properties. I file a complaint with the NJ State Attorney General against the appraiser that Wells Fargo used. I want something done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Product: Credit card or prepaid card

Navy Federal Credit Union. Visa Credit Card They are charging so much in interest that I cant pay off the debt. I have called and they will not lower the interest. The interest for cash advance is so high and accrues daily. 5 yrs ago I needed a cash advance while going through a separation. Each time I make a payment it is absorbed by interest and never toward the balance until this day. I asked if I could pay the cash advance off and customer service replied no. So it keeps adding and I  cant reduce the debt unless I pay it off in full, which I cant do. Im paying monthly, but getting no where. I opened the card while going through a separation to help with expenses and did not understand the fine print. Now Im divorced, living in a small apartment, need to restore my credit, and Im trying, but cant make a dent in this card.
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau, I am writing to formally complain about the ongoing and egregious mishandling of my credit report by TransUnion. Despite my diligent efforts to dispute inaccurate and potentially fraudulent items, they continue to be reported on my credit report. I, XXXX XXXX, have repeatedly submitted the necessary documentation to TransUnion, as per their specific requests, including multiple forms of proof of residence. Disturbingly, they consistently reject these documents, claiming they are " illegible, '' despite their clear and valid nature. These disputed items have been previously deleted from my credit report, only to be inexplicably re-added shortly thereafter, creating a cycle of frustration and harm to my credit standing. Furthermore, I have filed multiple Identity Theft Reports with the Federal Trade Commission, which I have also forwarded to TransUnion, yet they persistently refuse to remove these inaccurate items. This ongoing failure by TransUnion to comply with proper credit reporting practices, especially after providing proof, is severely impacting my financial well-being and I believe constitutes a serious violation of my consumer rights.
Product: Checking or savings account

On XX/XX/year> I noticed XXXX  transactions on my business checking account under the caption of pending transactions that were both fraudulent. I immediately contacted Wells Fargo Bank support department to report this fraud. I was told that they could not help me since the department that handles small business checking accounts was closed. I requested that the agent put a freeze on the account until I would be able to speak to the correct department at XXXX XXXX  the next morning. I was advised by the agent that she could not do it. I asked to speak with her supervisor who basically told me the same thing. At XXXX : ; XXXX XXXX  sharp, I spoke with the correct department & they told me that the money had already been taken out of my account. They advised me to file a complaint with Wells Fargo Bank which I did on the phone with them at that time. The first correspondence that I received back from the bank was a denial of my claim. I contacted the bank again & was told that I could appeal the decision. I immediately appealed the decision & on XX/XX/year> received an answer from Wells Fargo Bank ( letter attached ) which indicated that they credited my account for the amount that was taken by using XXXX but that they could not refund me the money that was taken by wire transfer. They acknowledged in there letter that they knew the both transactions were unauthorized.. I feel that since I had nothing to do with these transactions & that they acknowledged that they were unauthorized, that there security protocol was voilated & they should be responsible for the wire transfer as well.
Product: Credit reporting or other personal consumer reports

This bureau has yet to remove this account. All other credit bureaus have removed this account. Account is Inaccurate. This account must be removed
Product: Debt collection

The collection agency has been trying to verify a collection for almost three months and they still havent sent me debt verification letter and it has been more than 30 days.
Product: Credit card

Company put a fraud alert on my account when I was the one who called and asked them to send me a new card to my new address once my previous card was expired. Once they put a fraud alert on my account I was locked out of my online access how I usually make payments. So then I went in person which is another way I can make payments and the store couldn't wouldn't take my payment in person due to their process. Their process needs me to have either my physical card or my access online and I dint have either. So then I was told to call the fraud department the next day when they were open to have them give me my access online. I called the fraud department, answered all their security questions and was told I was going to be given access to my account online so I could make my payment. Uo to this day, two months later I still have no access to my account online. I have there manager of target as a witness as he also tried to talk to them on the phone when I went there in person TWICE AFTER A CONTACTED THE FRAUD DEPARTMENT and they still wouldn't take my payment cash in hand. Now supposedly my account is with their collection department with all kinds of late fees and they are demanding twice the normal amount I pay to bring not current. Mind you before this mess they created for me I was current on all my payments and my account was in good standing.
Product: Debt collection

Aargon company I do not owe this company nor have I done any business with this company with this company before, they do not have and contract from the above named company with my signature.
Product: Debt collection

XXXX XXXX has made several calls to collect a debt - I have asked multiple times to send back up for this debt. They stated on phone we don't have that but I will send you a demand letter and you can pay from that. NO - I want the actual back up that makes up {$2000.00}. Told me to put in writing so I sent a letter ( with the account number they gave me. ) Letter is attached I rec 'd a letter back from them they could not verify the debt. ( attached ) which is asking again for account number/social/copy of credit line ( ATTACHED ) this is a big run around, asked not to call me and remove from report if they can not produce back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX US DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} XXXX S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$4100.00} 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 sent letters to XXXX XXXX  and XXXX XXXX XXXX along with Equifax, XXXX and XXXX. In regards to several accounts on my credit report that does not belong to me. XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts does not belong to me.
Product: Credit reporting or other personal consumer reports

This company is reporting information on my credit report and I have not given them written permission to put anything on my credit profile.by law 15 USC 1681b Permissible purpose of consumer reports this what the law state they have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Account XXXX : XXXX this agency is in violation of 15 USC 1692g. This is an official dispute of this account. I demand the above account deleted from my consumer report.
Product: Debt collection

I received a call from on XXXX/XXXX/2015 from a female asking me my name and address. She did n't state where she was calling from. I returned the called and learned it was from a Receivables Performance Management Collection Agency. She stated that I owe a family mobile bill, but the account had a different last name than mine. I 've been with XXXX for over six years. Therefore, I do n't owe a family mobile bill. I have n't received a letter from them stating that I owe a debt, but calls stating that I owe a debt.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment records that I strongly believe are incorrect and potentially linked to a data breach. These disputed items are : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$62000.00} XXXX XXXX XXXX - XXXX - {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} These records do not reflect my actual payment history. I have submitted documentation proving their inaccuracy, yet no corrections have been made. This has negatively affected my credit standing, and the continued delay in resolving this is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) mandates that all credit information must be accurate. Any incorrect, outdated, or unverifiable records should be updated or removed immediately. I expect swift action to fix these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several things on my credit report with Equifax on XX/XX/17 I received an email from them stating it had been completed. When I tried to use the confirmation # and review the results the page kept popping up it was unable to access my results, I waited a couple days tried again same thing. I then receive another email from Equifax ( XX/XX/17 ) with a new confirmation number that my disputes are complete. I tried AGAIN to access the results and was given the same page. I called into 2 different phone numbers and both agents told me there is no dispute on my record, just a consumer statement that I made with XXXX not even Equifax. I need the dispute results from Equifax, please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 U.S.C 1681 ( i ) & 15 U.S.C 1681 ( b ) & the Gramm-Leach-Bliley Act, I XXXX XXXX, did not given my written consent to furnish this data on my credit report.

The following Inquiries are in violation of the FCRA and FDCPA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a letter today from Credit Control , LLC threatening me if I do not notify them in writing within 30 days to dispute this debit they will assume the debit is valid and they will proceed with a judgement against me and take legal action against me for the disputed amount owed. I do not recognize this debit or is Beyond the Statue of Limitations. I have sent them a formal letter of dispute & to cease all contact with me in regards too. This disputed debit does not appear on any of my credit reports as being in a collection status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance {$37000.00} XXXX XXXX CT XXXX, CA XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 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: Debt collection

I received a collection notice from Enhanced Recovery Corporation, XXXX regarding a debt that is not mine from XXXX XXXX in the amount of {$2400.00}. I have never had an account in my name with XXXX XXXX. I checked all XXXX credit bureaus XXXX XXXX and all do not show this alleged debt. My credit score is XXXX and I am concerned that this action will affect my excellent credit score.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX FDCPA Section XXXX Violation Misleading False Reporting -DELETE! 

XXXX XXXX XXXX XXXX XXXX Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXXXXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Credit card or prepaid card

I am disputing the billing error on my account in the amount of {$6700.00}. The amount is inaccurate because CapitalOne allowed continuous charge authorizations to my account without my permission. My initial credit limit was {$2000.00}. As you can see on the attached credit card statements, there are charges that were authorized on my account that far exceeded that limit. These charges should have been rejected as there clearly wasn't enough available credit for them to have been approved. " Purchase Adjustments '' and " Transaction Rebills '' as described on the attached statements, have clearly exceeded the {$2000.00} limit by approximately {$4700.00}.
Product: Credit reporting or other personal consumer reports

XXXX Please read attached. On XX/XX/ Equifax requested that I send in my FTC Identity Theft report, and I am sending in my XX/XX/ Notarized Affidavit. 
Goal : Delete both XXXX XXXX cards # XXXX & # XXXX with and extended fraud alert. 
Equifax to send me new corrected report.
Product: Credit card or prepaid card

An old navy card I got a few years ago was used not by me. I have even misplaced this card. Charges were made in a different state even that I live in. I disputed and that was reported as accurate info so I owe for the purchases and late fees
Product: Credit reporting

XXXX is listed on each of my reports as a collection/chargeoff. I immediately disputed thisinformation with XXXX, XXXX and TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX did not respond to demand letter FCRA 623 ( b ) for violations of the FCRA and did not remove the adverse account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am the victim of identity fraud company name XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be moved immediately.
Product: Money transfer, virtual currency, or money service

Worldremit and Remitly both blocked my account with them, stating there is an issue with me sending money to XXXX poor families in the XXXX. They would only give me their policy. I see nothing in their policy that I violated, and they refuse to tell me the real issue. I have sent this charity for more than 5 years. On more than one occasion the receivers stated that the XXXX government officials questioned them and there was no problem. I contacted the two companies and they would not reinstate my account, and would not give me opportunity to address the issue. Some of the recipients have a bank account and I send to their account, upon which they give some of the money to others. I converse with many of the recipients by text messages routinely and I'm convinced that they are all very poor and uneducated.