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

I have reached out to these companies and creditors as well as the credit bureaus including XXXX, XXXX and Equifax for a while now about accounts that they are reporting that are fraud and inaccurate stemming from me being a victim of identity theft. I have sent reports, police reports as well as FTC reports to these companies. Along with all the information that is needed to show and prove I have been a victim of identity theft like Personal statements explaining to them that I am a victim of identity theft and that I never gave anyone permission or authorization to use my name for goods and services with these companies! Yet and still they are refusing to oblige and or investigate these accounts and remove them from my credit. 
I have sent the attached letters below to these creditors and companies asking them to investigate and send me the identifying information and signatures and pictures showing where I walked in somewhere and opened these accounts yet that's never done either! Per the FCRA creditors are supposed to Abide by law when a consumer has informed them and sent in the proper documentation that follows on how to proceed when a person has notified them that they are a victim of identity theft and have rights under these laws, Yet not one of these creditors has done due diligence yet they choose to keep reporting these fraudulent and inaccurate accounts that do not belong to me!

My credit, reputation, creditability, character has all been damaged and ruined by these companies and thieves acts!

Because these companies refuse to do their jobs and refuse to follow the laws of identity theft victims my life has been destroyed for some time now! The stress, embarrassment, agony and anxiety I have endured all this time has been detrimental to my health and livelihood! 
I have been denied credit, housing, goods and services as well as jobs due to these companies ' lack of due diligence and their inaccurate reporting!
Product: Credit reporting or other personal consumer reports

in accoordance with the fair credit reporting act XXXX  account Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Balance {$440.00} Balance updated XXXX XXXX XXXX  Original balance {$440.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$440.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XXXX  Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX 
Status updated XXXX XXXX  Balance {$1000.00} Balance updated XXXX  Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XXXX XXXX  Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} written off. {$160.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$460.00} Terms - On record until XXXX XXXX  Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} written off. {$160.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$460.00} Terms - On record until XXXX XXXX Account info Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$440.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$440.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$440.00} Highest balance - Terms 1 Months On record until XXXX XXXX 15 u.s.c 1681 section 602 a states i have the rights to privacy.

15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting angency can not furnish a account without my written instructions.
Product: Mortgage

Paid off a loan with Ocwen in the amount of {$110000.00} by wire on XXXX XXXX, 2015. Since that time they have sent XXXX new payoff quotes, each time increasing the amount due. They have assessed a property maintenance expense in the amount of {$1200.00}, {$1000.00} of which accrued in XX/XX/XXXX and XX/XX/XXXX after the closing. I was at that property every day and no representative from Ocwen ever showed up there. I spent a fortune preparing that property for sale. There was no maintenance. I was in possession of the property. Ocwen has deliberately and wilfully suspended this payment refusing to properly apply it to the loan and clear the amount all the while accruing interest and charging a fraudulent fee of {$1200.00}. 
I
Product: Credit reporting or other personal consumer reports

XXXX. Complaint XXXX makes it difficult for consumers to obtain a copy of their report. 

XXXX XXXX XXXX XXXXXXXX issued a denial based upon the information provided by the complaint XXXX. It is possible that the complaint XXXX compiled information on the consumer that contained inaccuracies, leading to the denial.
Product: Student loan

I saw on the news this evening a woman who has a large amount of student loans and her story is very similar to my own. I knew that I would need to pay back my student loan, but the monthly payments were so high that I could not afford to pay the monthly payments. I have requested an income based repayment program to no avail and I can not afford the {$2000.00} per month payment. Now my loans have accrued so much interest and the payments are unmanageable. I have called and spoken with. numerous representatives from Navient ( formerly XXXX XXXX ) and each time, I do not get any solutions, just an option for forbearance. I want to make payments and resolve my accounts, I just can not afford the payment requested.
Product: Debt collection

I was sued by Cascade Capital and I don't even know who they are and what it is about. I just discovered this information tonight while researching court records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously Ive been dealing with all three major credit Bureaus to resolve incorrect fraudulent accounts and information on my credit report they are not actually disputing theses accounts or information that I am reporting as fraud all they do is constantly reply back with account verified as accurate when I know its not Ive tried Updating my information with the credit Bureaus and it seems as in if they are updating my personal information for the creditors Ive been dealing with these problems for quite some time now and am getting no where them they are not even being reasonable and now they have blocked me from disputing any information on my reports as in if my my accuracy on my credit reports is invalid and my opinion or identity is not important Ive offered to do what ever legal steps I need to do to resolve this and still get the same results this is with XXXX, transunion and XXXX. Thank you in advance for your help and assistance.
Product: Vehicle loan or lease

Received Vehicle Loan for XXXX XXXXXXXX XXXX XXXX. Purchased vehicle from a dealer/broker. Sent the title to Navy Federal 3 separate occasions eithin 6 months and they kept rejecting the title each time. Navy Federal then converted the loan to a personal loan and changed interest rate from 6 % to 23 % retroactively 6 months earlier. I was not provided justifications from Navy Federal for why they would not accept title from Texas DMV. Stuck with a car I can not register or title and Navy Federal now stealing 23 % interest on a damaged car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 LOCKHART, MORRIS & MONT, added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was tranferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, LOCKHART, MORRIS & MONT, has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Checking or savings account

Capital One is not allowing me to access my pay check that was sent direct deposit. Typically my funds are accessible on Thursday morning. However, its now Friday, XX/XX/XXXX and I still have not received my direct deposit. I have received 2 notifications from my credit cards that my payment was unable to processed due to my direct deposit funds not being available. My payments are due and paying late will affect my credit as well! My daycare fees are due Thursdays and I am getting charged {$50.00} per day when the day care is not paid. Capital One reported an outage due to a third party vendor and is working on issue, however, its causing me a lot of XXXX  as my bills are not paid and customers cant even get an estimate when funds will available to be able to make arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been back and forth with XXXX  XXXX in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, XXXX XXXX is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of XXXX XXXX trading and selling on my name unauthorized. Pursuant to the XXXX sec filings ( indenture agreement ) XXXX XXXX failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I have a PayPal account and on XX/XX/XXXX my son had his backpay for unemployment deposited into my PayPal. XXXX PayPal accepted this deposit then limit my account so I could not touch this money nor could my son who is also on my PayPal account. They sent me a thing to fill out asking how I got the money what did I sell to get the money they wanted receipts and so on my iD I provided them with what I was able to my ID so on I didn't have a receipt because I didn't sell anything I explained to them it was back pay for unemployment. Well they decided that I could no longer do business with them but I could not close my account and that I would not have access to my funds for 180 days in case if charge backs well I don't sell anything with my PayPal so there is no way of charge backs. This money we waited on for months about to lose everything. And once the money came we couldn't touch it. If it was AGANIST there user aggrement then why did they accept the deposit.
Product: Checking or savings account

On XX/XX/XXXX, I opened online a Wells Fargo Every Day checking account that was offering a {$250.00} bonus for either making 10 debit card transactions or establishing a qualifying Direct Deposit of an accumulated {$500.00} or more within 60 days of account opening. I was instantly approved and received via-email a confirmation with the following data : Application Reference number : XXXX Status : Your application has been approved, and your new account is eligible to receive a bonus offer. I completed the 10 debit card transactions on XX/XX/XXXX. The bonus should have been deposited into the new checking account within 45 days after meeting the requirements. It has passed over a month after the 45 days waiting period and the bonus has not posted yet.
Product: Checking or savings account

On XXXX XXXX my granddaughter XXXX XXXX XXXX and i applied for a loan to pay for her medical expenses. I received a loan for {$390.00}. I didn't know the loan provider was a fraud and I withdrew {$380.00} to help my grandbaby. Because I was taken advantage of ... USAA has docked my account twice for {$390.00}, froze my ssdi deposit and froze my federal income tax return which is scheduled to hit the account on XX/XX/year>. I am a XXXXXXXX XXXX XXXXXXXX veteran with no other income. My utilities are off and I have no food and no gas to go to my doctors appointments. I need my money. I need help. The fraudster deposited a forged check into my account and USAA confirmed it was fraud scam. Im about to lose everything I worked for because they are violating my federally protected money by freezing it and only allowing my account to be a " credit only '' account. Please help me. Please help my family. I need to go to the doctor desperately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for reviewing the complaint. After reviewing the credit profile, XXXX continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments. 
The method of reporting continues to compromise credit score and creditworthiness.
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case LVNV FUNDING LLC is attempting to collect XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Debt collection

Wells Fargo repeatedly calls me at random hours of the day XXXX times from XXXX different numbers. All from different area codes. Now since I refuse to answer they are calling my girlfriend 's phone number is n't easy.
Product: Debt collection

I have been receiving various bills from Americollect representing various hospitals in Wisconsin and enough is now enough. I do not attend these hosptials and the most recent one is from XXXX XXXX XXXX Hospital for XXXX. Several years now Americollect has been doing this and ive been blindly paying amounts that I do not owe in fear of my credit report. I have contacted Americollect about these debts that are not mine and the recorded phone calls have ended up in the operator saying they are not sure how to handle fraud, and me being hung up on. This is a serious and extremely crippling financial scam that I now need to spend more money for an Attorney to fight this company ( s ). When does it end? When will they stop? I do not go to these hospitals, XXXX XXXX XXXX has been the major culprit. Please some one has to know something on how to stop these people.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX  XXXX XXXX XX/XX/XXXX inquiries XXXX XX/XX/XXXX personal information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Employers : XXXX
Product: Student loan

immediate deletion of the account and {$1000.00} per violation of the FCRA as I am writing to address a matter of great significance concerning the inaccurate information presented on consumer credit report this incorrect data has resulted significant hardships for my family leading to deny of credit, and challenges essential resources for our well being. Im deeply concerned and disappointed in regards to the inaccurate information made available to public through my consumer credit report. These inaccuracies has directly resulted in deny of credit which has had domino effect on our ability to obtain vital resources such as a car for employment, and a stable residence. Consequently this has caused my family and I to move from place to place causing substantial stress and instability in our lives. Denial of credit directly stems from the innacurate information from credit report as had profound impact on our financial stability. Without reliable transportation my employment oppurtunities have been severly limited impeding ability to provide for my family. More of the ability to secure a permanent residence has compounded difficulty in finding civil housing options has become increasingly challenging. Giving gravity of the situation in a midst hardship I am compelled to demand fair compensation and resolution for the damages suffering. I kindly request that you promptly rectify the inaccuracies on credit report and provide written confirmation of the corrections made. Considering the stress caused by the denial of credit im seeking compensation of the amount of $ XXXX to address the financial losses and emotional distress experienced by my family. The amount is reflected of the hardships endure the resulting expenses occurred and detrimental impact overall quality of life. I firmly believe in the principals of fairness and accountability, and I trust that you would treat this matter with seriousness it deserves. I urge you to initiate the necessary investigation and corrective actions without delay to rectify the innaccuracies on credit report. Failure to address matter within a reasonable timeframe may neccessiate legal recourse through arbitration or other available means as per the applicable law. I respectfully request a written response within 30 days from this date of letter acknowledged and received of my complaint. And outlying the actions being took for the innacurracies on credit report. Additionally please provide details regarding the compensation being offered to remedy the damages caused by innaccuracies thank you for this immediate attention. under 15usc1681, 16 CFR 1016.1
Product: Credit reporting, credit repair services, or other personal consumer reports

My Gap account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with XXXX as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXXwith them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact Gap today XXXX and was transferred to SyncB. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my Gap tradeline that is not reporting as derogatory, it is reporting as unrated currently on XXXX  and XXXX now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that GAP is providing them. SyncB is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.
Product: Checking or savings account

I opened an account with Truist Bank. I deposited an online Cheque as a deposit which did not reflect for a few days. When it did reflect it was on a further 7 day hold. 
I could not wait for 14 days and took the cheque to another bank to cash. The Truist bank returned my deposit and charged me for two returned deposits fraudulently .The Truist bank then cancelled my account and stopped my card in the account in which I had funds.
Product: Checking or savings account

In XX/XX/2021 I agreed to rent an apartment that was advertised on XXXX. The cost was a {$1200.00} deposit and {$1500.00} for XXXX rent. I paid the amounts using XXXX to an account under " XXXX ) on XX/XX/XXXX and XXXX respectively. It became clear that this was a fraudulent offering. I called Chase on or around XX/XX/2021 to claw back the funds. They refused to try to stop payment and said I would have to wait for the funds to clear on the other side and try to get my funds back by contacting the other bank. I called the other bank and they refused to do anything. I told the recipient bank they should at least look at the customer and account and freeze it to spare other victims. They responded that their customers ' activities are not my business. I called Chase again one or two more times and they continued to refuse to help. 

I was quite surprised by both banks ' responses - and disappointed in Chase- because I am in banking and this is not our response when a customer immediately calls about fraud that is in process where customer harm can be potentially mitigated. 

Thank you for your assistance. 
XXXX XXXX
Product: Checking or savings account

I arrived at the bank, requested a cash withdrawal of XXXX. Bank teller, XXXX XXXX, asked what it was for, I advised it was for a private cash transaction and to keep in private cash reserves. She asked what transaction, I advised it's not her business. She contacted a corporate fraud investigator, XXXX? XXXX who I spoke with on the phone. The investigator authorized the release of the funds and advised that the bank had the funds on hand. 

XXXX went to the back of the bank, laughed, then returned to tell me she would not be releasing my funds because she didn't like my attitude, I was not answering her questions, ( even though the investigation team authorized the release ) and proceeded to get hostile and demand I leave. 

XXXX minutes of jumping through hoops to access my cash she decided I couldn't access because of my " attitude ''