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

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX DOB : XX/XX/XXXX XXXX # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department XX/XX/XXXX Re : Request to describe method of verification To Whom It May Concern : 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. 



Re : Account Name : XXXX XXXX XXXX Account Number : XXXX Please send the following information used to verify the validity of XXXX XXXX XXXX Account Number : XXXX I am formally requesting that you provide proofs of the following : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute 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. 



Sincerely, XXXX XXXX
Product: Student loan

I had student loans serviced by Mohela. I filed a borrower defense claim as my school was less than honest about several issues, and has since closed. Mohela representatives have been telling me for over a year now that I am due a refund of over {$10000.00}. Every time I call, I'm told something different about what the hold up is with this, usually requiring several transfers and the resulting 45 minute hold with each transfer. I've spent at least a week on hold with Mohela by now. They are now blaming the Treasury Department for holding the funds. It would be different if they were paying interest. It appears that nobody is in charge of Mohela or their reps. Please look into this!
Product: Checking or savings account

I have been locked out of my chime account since the first week in XXXX. When I initially tried to login, it told me my account was locked due to suspicious activity. I received an email stating that I needed to provide a state issued photo ID and proof of residency. I sent this information in. Several days went by and they still had my account locked. I called them and the told me that I needed to send in this information again. I obliged. My account is still locked. Every time I call them, they tell me they do not know why my account is locked and that it is under review. They do not tell me when this review will be complete. It's been almost a month and I am now behind on rent and other living expenses as this is my online account. I have been calling chime every other day and am always given the same response. I have a lot of money on this account. 
It is unacceptable to keep it locked with no explanation or Time frame of when this issue will be resolved. I need access to my funds asap, this is causing financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove incorrect information from my Equifax credit report for the last 2+ months. I filed online disputes on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, and in none of those cases were the errors corrected to my satisfaction. 
I also called the customer support line twice on XX/XX/2021, but was unable to properly initiate a dispute due to their systems being " down for maintenance ''. 

In all of these cases, I was unable to get incorrect names, date of birth, SSN, addresses, and credit accounts completely removed from my account. 

With the exception of the XX/XX/2021 dispute, I never received a readable document showing the results of my disputes ( the PDF files provided were consistently corrupted ). I have had to use my allocation of 6 free credit reports to view an update, which is how I discovered the consistently incorrect Further, the result of the XX/XX/2021 dispute resulted in my previously correct current address and date of birth being changed into *incorrect* information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please verify if this is XXXX percent accurate coz I'm seeing inconsistent information across other bureaus such as date last activity XXXX XXXX XXXX Account Number : XXXX Please conduct a reasonable inve $ XXXX, and DELETE if inaccurate, incomplete or unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : AARGON AGENCY INC # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

I always paid off my New Balance before or on the XXXX  of every month On XX/XX/XXXX I paid {$710.00} for my XXXX Credit Card XXXX XX/XX/XXXX Payment Due Date from my XXXX Checking - XXXX However on XX/XX/XXXX XXXX Credit Card showed ELECTRONIC PAYMENT on XX/XX/XXXX so I phoned Capital One Customer Service at XXXX told me that Capital One will waive {$25.00} of Fees Charged and {$11.00} of Interest Charged before I closed all accounts with Capital One on XX/XX/XXXX On XX/XX/XXXX I paid {$1900.00} my XXXX Credit Card XXXX XX/XX/XXXX Payment Due Date from my XXXX XXXX XXXX XXXX checking account because Capital One did not waive {$25.00} of Fees Charged as Capital One told me when I phoned Capital One before I closed all accounts with Capital One on XX/XX/XXXX Now on my XXXX Credit Card of XX/XX/XXXX Payment Due Date showed {$5.00} of Interest Charged while I closed all accounts with Capital One on XX/XX/XXXX I need XXXX XXXX XXXX to contact Capital One about refunding {$25.00} of Fees Charged as Capital One told me when I phoned Capital One before I closed all accounts with Capital One on XX/XX/XXXX and negating {$5.00} of Interest Charged while I closed all accounts with Capital One on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I reached out to your esteemed organization to request an update and correction of the personal formation section of my credit report. I would like to remind you that it is not only the responsibility of the creditors but also yours to report only true and accurate information. 

I have taken the initiative to update my personal information with all the creditors listed on my report. If any of them are still reporting anything other than the information provided below, it signifies a failure to report accurate information. Therefore, I demand that you delete their reports from my account immediately. 

Furthermore, I want to draw your attention to certain erroneous information that is still present on my credit report. As you are required to report only true and accurate information, this will be my final request for you to rectify the mentioned data before I proceed with filing a complaint and potentially initiating legal action. 

Kindly delete the following information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I eagerly await your prompt response. In addition, I kindly request that you include a copy of my updated credit report reflecting the changes made. This will enable me to review the modifications and ensure that my credit information accurately reflects my current financial standing. 

Thank you for your attention to this matter. I trust that you will handle it with the utmost professionalism and efficiency. Should you require any additional information, please do not hesitate to contact me.
Product: Debt collection

An unusual company is trying to collect on an old debt of mine that is 4 years beyond the 6 year statute of limitations, last paid on in 2012. I am asking for dismissal of their collections efforts immediately.
Product: Checking or savings account

I brought in a check at Bank of America and they took it and deposited it, they said that I should have my money by the next business day. Hours later I received a hold on my account and they claimed placed a hold onto my because of suspicious activity or concerns they check would not clear. I work for the XXXX XXXX XXXX XXXX and brought in a clear ID of my work ID. The check is clearly not fraudulent. They have placed a 7 day hold and will not let me access my funds not even partially.
Product: Credit reporting or other personal consumer reports

There are some items reporting on my credit which I do not recognize and I suspect identity theft, the accounts are as follows : XXXX ) XXXX- XXXX {$0.00} XXXX ) XXXX XXXX XXXX {$15000.00} XXXX ) US Dept Ed- XXXX {$840.00} XXXX ) XXXX XXXX- XXXX {$0.00} I need these items disputed and removed.
Product: Debt collection

I received a call from Critical Resolution Mediation concerning a payday loan that was supposedly taken out by me in XX/XX/XXXX.I did not initiate this loan.Furthermore I was threatened with imprisonment by one of the female employees of this organization saying she was sending the police to my my house because i willfully defrauded XXXX. From what I was told a loan was given in increments that eventually totaled approximately {$700.00}. Which was deposited in a XXXX acct I had at the time.But now with interest and penalties amounts to $ XXXX.I noticed some fraudulent activity concerning my credit report in XX/XX/XXXX and promptly filed a police report ( XXXX ). I was told that this money was directly deposited into my XXXX acct, which i 've been unable to verify.I made a large deposit into my XXXX acct on or approximately XX/XX/XXXX and I was an employee of XXXX at that time. there was no instance of a deposit or drafts from XXXX.I 've yet to see any collections associated with this loan.If this loan was given it was done so without my knowledge or consent
Product: Checking or savings account

I closed a Citibank estate checking account on XX/XX/XXXX. No service fees had ever been charged. 

On XX/XX/XXXX, Citibank charged me a {$15.00} service charge and notified me that the checking account was overdrawn on XX/XX/XXXX. 

This was unauthorized. How often is Citibank charging a closed checking account without authorization? Could add up to millions of dollars.
Product: Checking or savings account

My Mom is a veteran who had a fiduciary who works for the veteran affairs. It was made out to the landlord. Im put the check into my account that my name and my moms name was on. The check was said to be cleared within one business day, a day later XXXX business days. This occurred on XX/XX/2022. They have taken all access for me to login. My landlord which we were not able to move in due to the hardship this bank brought upon my family, has spoken to them, my mom, and myself. WE HAVE DONE EVERYTHING THEY HAVE REQUESTED. They have been completely dishonest and have violated all federal regulations. WE HAVE CALLED 82 times. We have been told 5 times the check will be mailed. We have no access to the account to know whether or not our funds are there. A statement was sent out last month which is has false information. We have received nothing in writing the reason the veteran who is my mom funds are being withheld. They have been rude, callous, and completely unprofessional. 
I have also emailed the complaint department. No response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have aXX/XX/XXXX account showing on my credit report that does not belong to me. I have disputed this multiple times and the credit reporting agencies says this account has been verified as an accurate charge off account. I DO NOT UNDERSTAND how this can be verfied as accurate. I contacted the original merchant from the phone number listed on my report but they have no information to help me either. How can the credit reporting company validate something that is not mine and prevent me from trying to resolve matters on my credit profile. This has been going on way to long and I want this account deleted from my credit report.
Product: Credit card or prepaid card

I have one accounts with First National Bank of Omaha ( see attached documents ) for over 10 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this crisis. 

I got XXXX with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.
Product: Debt collection

XXXX from XXXX XXXX XXXX XXXX contacted me via a recorded phone call on XX/XX/XXXX about a debt I uncured with Belk. The account number was : XXXX. We agreed to settle this account by paying {$350.00} through 3 consecutive automatic withdrawals. Please see the following : XXXX XXXX Withdrawal ACH XXXX XXXX XXXX XXXX TYPE : payment ID : XXXX DATA : XXXX XXXX XX/XX/XXXX CO : XXXX XXXX XXXX XXXX XXXX. On XXXX, I was contacted by a different collection agent from XXXX who asked me to pay about {$560.00}. I explained to this agent that I had an agreement with a previous agent from XXXX XXXX XXXX and that I thought the 3 payments were already withdrawn. I checked my account and found that only one payment was withdrawn ( See the above ). I checked my credit report and I was shocked to learn that SYNCB/BELK has reported that a balance of {$580.00} was written off. I wrote a letter SYNCB/BELK in which I explained that I, with good faith, have agreed to pay and that it was not my wrongdoing if the collection agent from XXXX XXXX XXXX did not do his job and that they should not report this account as a WRITTEN OFF. On XX/XX/XXXX, I was contacted by a Law Firm called XXXX asking me to pay {$460.00}. I sent to this law firm all the information I have and I explained to them that XXXX XXXX XXXX is aware of my payment efforts and that it refuses to share the audio recorded agreement I had with XXXX back in XX/XX/XXXX. In addition, the numbers do not add up : {$580.00} was written off. I paid {$110.00} as shown above in my checking account.
Product: Student loan

XX/XX/2009 the schoo is closed down and charge all this money and never got anything out of it. {$3000.00} they are saying i owe grate lakes but the school closed Call Us Call : ( XXXX ) XXXX
Product: Checking or savings account

On XXXX/XXXX/XXXX, I faxed, mailed and emailed a letter to Wells Fargo stating that XXXX XXXX XXXX no longer has my permission to  take automatic debit payments from my bank account. I notified XXXX XXXX XXXX as well. On XXXX/XXXX/XXXX, I received a letter from Wells Fargo advising me that a stop payment was placed on my account. On XXXX/XXXX/XXXX, an electronic payment was sent to XXXX XXXX XXXX. I contacted Wells Fargo and was advised my a customer service representative that the company ID matched the stop payment and that I would be credited the full amount the following moring. I asked them to close my account and open a new account to prevent any future problems. The representative helped me open the new account via phone but failed to close my original account. The representative also took it upon himself to file a claim on my behalf regarding the unauthorized payment to XXXX XXXX XXXX. I was told that this claim was denied due to the dates that I provided on the claim. I did n't give any dates what so ever as I was not even aware that a claim had been filed. To date, the account still has not been closed despite my many requests to close it. Not only was I not reimbursed for the unauthorized payment to XXXX XXXX XXXX but a second unauthorized payment went through on XXXX/XXXX/XXXX. I was charged overdraft fees for both of these transactions as well as a couple of other transactions that went through due to the account not being closed. As of today, my account has a negative balance of {$200.00} due to these unauthorized charges and fees. If the account were closed as I originally requested on XXXX/XXXX/XXXX, it would have a balance of {$0.00}. I would appreciate if was reimbursed for the unauthorized payments and my account were closed as requested. I will no longer be banking through Wells Fargo.
Product: Debt collection

In the year 2000, my identity was stolen. Since then I have made several police reports and sent them to Sallie Mae to dispute my debt. Sallie Mae stated on my credit report that the loans were written off by the government but then they were bought by XXXX and now they are continuing to contact me and charge me late fees and keep these loans on my credit report. I have also done the necessary fraud packets and submitted police reports to them as well and they refuse to take the loans off my name and continue to contact me about this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account numerous of times with XXXX  and Equifax XXXX  did the proper investigating and removed it from my report. XXXX. XXXX  and equifax both are showing different amounts 2 I signed a 60 month contract not 70. XXXX did not advice me if the change on report like they are supposed to. 3 XXXX  is reporting that my XXXX payment has been made when it has not my payments are on the XXXX of each month today is XX/XX/XXXX 3 XXXX  is prolonging the law suit that they where involved in and XXXX agreed to fix consumers report and I provided all documentation backing everything
Product: Credit card or prepaid card

In XXXX and XX/XX/XXXX, my Discover credit card had XXXX charges from XXXX, which I never purchased anything from, nor could anyone else. The website has no telephone number, no email address, and no street address or XXXX XXXX XXXX After a XXXX, Discover gave me credit for those charges. I cancelled that card the day I received my XXXX statement and asked for a new card. At the end of XXXX, I received a statement for that card and found XXXX more fraudulent purchases from the same scammer, called Discover and reported the problem. I also asked why they didn't block those charges since they should have known it was a scam ; I was told that the charges were " probably pushed through, '' whatever that means. The last of XXXX, I received a statement from my XXXX credit card, which I have never used or activated, that was for XXXX {$160.00}. ( I never received a statement for XXXX or XXXX ) So, someone in Discover activated my card. In late XXXX, that same credit card statement now said I OWED {$110.00}, and the company had transferred those XXXX fraudulent charges to the card. When I again called the fraud unit at Discover, a XXXX  told me that I had told them that the charges were legitimate - at that point I told her that was NOT true. Then XXXX said an investigation was ongoing! I called again, talked to another fraud XXXX, and was told I now owed {$11.00}, yes, {$11.00}. She also told me I had not paid for XXXX purchases from last summer and that Discover double credited me, that was why they didn't owe me. If I owed money from last summer, why didn't they bill me in XXXX or XXXX, charge me a late fee, or transfer those charges on the XXXX bill? Why wait till XX/XX/XXXX? I also received a threating email before I called on XXXX XXXX that Discover would report me to the credit bureaus if I didn't pay them the {$110.00}. by XXXX XXXX Something is seriously wrong. Oh, yes, I always pay the total bill each month, and have done that for the many years of having the card.
Product: Checking or savings account

Discover Debit cards Checking account They are unable to open a checking account for a military family Due to wrong information reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX COUNTY DEPT AND FAMILY SUPPORT DIV XXXX HAVE PLACED LATE PAYMENTS IN XX/XX/2019 AND XX/XX/2019 ON MY CREDIT REPORT THAT ARE NOT ACCURATE AND ITS AFFECTING MY CREDIT
Product: Checking or savings account

Reference number : XXXX XXXX XXXX XXXX XXXX XXXX  I really don't know what to do. 

I just ask you to unlock the account and return the money my customer or release my money to me. 

1. Issue the refund to my customer or release the funds so that they are available in my account, as I can not refund as the account is blocked.

2. Reimburse the customer who has paid almost XXXX usd because he has just opened a dispute and I can't reimburse him because the account is blocked. So what can I do? Just refund the customer who wants the money back. The money is blocked on my account and he wants to lodge a complaint. 

3. I have a family and I don't want to end up in prison because the customer wants his money back. Pay him back or unblock my account so that I can pay him back. He opened a dispute on paypal but my account is blocked so I can't issue the refund.

4. Help me solve this situation, I can't sleep. Let 's be human, I'm not a criminal I just want the money to be released or for you to refund the customer who paid. 

Reference number : XXXX XXXX XXXX XXXX XXXX XXXX I really don't know what to do. 


File number XXXX XXXX XXXX XXXX USD Amount in dispute XXXX USD Transaction date XX/XX/2023 Buyer 's name XXXX XXXX Transaction no. : XXXX
Product: Credit reporting or other personal consumer reports

These accounts are not mines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.
Product: Credit card or prepaid card

Claims is for a total of {$420.00} from two different merchants. 

I stated to bank that I had people confirming the package was not received and they did not care and stated that it could not be used.
Product: Credit card or prepaid card

Received this gift card for {$200.00}. Attempted to verify the balance on their website and by phone over 10 times - each time told there is an issue or to try again later. There is no further escalation option on their site.