23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX, XXXX XXXX XXXX added two derogatory marks on my credit file per XXXX XXXX  The amounts were {$59.00}, and {$1500.00} dollars. Upon further research it was discovered that as of XXXX XXXX XXXX XXXX XXXX actually had their license revoked in Florida and therefore can not come after me for this debt. Also there was NO WRITTEN form of communicatiofor/ contract for these accused debts at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation of 3 medical collection accounts reporting in my credit reports. The collection agency forwarded the documents which I attached. I forwarded those documents to the 3 credit reporting agencies and XXXX and XXXX  agreed that the documents were not in compliance with the FDCPA laws and deleted the collections from XXXX  and XXXX  credit reports but, TransUnion continues to report the incorrect information. Please review the attached debt validation documents and notice that the documentation is NOT signed and the documents do not give the collection agency 's licensing information or authorization to collect a debt in the state of Florida.
Product: Debt collection

I HAVE NO PAST DUE AMOUNT WITH THIS COMPANY. WE MOVED OUT BC OF UNSAFE LIVING CONDITIONS AND WE WERE TOLD WE DID NOT OWE ANYTHING
Product: Checking or savings account

I opened an online savings account with Citizens Access which is using Citizens Bank name on XXXXXXXX XXXX  and received a XXXX XXXX cent charge on XXXXXXXX XXXX  that the bank could not tell me where it came from, when I told them to look into it they put my account on hold and said it would only be ten days to review and its been longer than ten days and now they are telling me I can not withdraw my funds and close the account until they are done reviewing. I went as far as to speak to four agents within that time two of which asked for my full social security number and a series of generated questions to verify my identity, not of them said they could verify me with the phone number nor email I opened the account with, I told them at this point I could care less about the XXXXXXXX XXXX XXXX XXXX XXXX XXXX in there after they took XXXX XXXX cents, I just dont want an account with my name open that I have no control over, I just want to close my account and I feel like Im being scammed because I just want to close my account and can not do so.
Product: Credit card or prepaid card

O n XX/XX/XXXX, 2017 my Chase Freedom credit card was stolen. My card was used in XXXX XXXX XXXX, 3000 miles away from my home. I was NEVER in XXXX XXXX XXXX. the following transactions showed up on my credit card statement.
XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$5600.00} I received a information from Chase onXX/XX/XXXX asking me to confirm the transactions. I immediately called the same day of the transactions and reported them as fraud. THE SAME DAY. Chase said they " validated '' the charges as mine and refuse to refund me the {$6800.00} that I am owed. Chase needs to mark these transactions as fraud and refund me the money I am owed. I have also been charged almost {$500.00} in interest charges from these fraudulent charges. They need to be refunded to me. I obviously do n't know my card number for the old card ending in XXXX, but I will provide my new card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2022 Claims Department Dispute Debit Card Transaction Wells Fargo Re : Claim Number XXXX Dear Wells Fargo Claims Department : I am writing you about the above claim number that was issued for a debit of {$520.00} on my personal checking account on XX/XX/2022, at XXXX XXXX in XXXX, Virginia. I received temporary credit and a letter in the mail asking me to call. I called on XX/XX/2022 ; spoke with an employee. They asked me a series of questions and the one question that stuck in my mind that I answered yes to be the question regarding me cancelling the hotel reservation. 

Well, come to think of it, that was a question to get the hotel off the hook for their mediocre performance and violating the law. I have disputed items in the past for poor service and received my money back. This should not be any different. In fact, all I did was check out on the morning of the third day for what was to be a seven-night stay in total. There were extenuating conditions present in my room which I notified the staff without any resolution. 

There was mold and water in the air conditioning unit that did not work. The general sanitation of the room was subpar, and the hotel smelled of urine and decaying organic matter. It was awful. I stayed if I could, but my health is at risk, and I have a compromised immune system and live with a chronic condition. All I wanted from the hotel was a partial refund for the nights I did not stay. Now you, Wells Fargo, want to reverse my transaction because you said I cancelled it, and that the hotel has a no refund or cancellation policy. That is where this ended, and I was told that the reversal will be on XX/XX/2022. 

I want to appeal your decision as it is the hotel negligence that I had to check out early from this location. The staff were rude and did not want to help at all even when faced with the fact they have poor operations in that hotel. I have contacted the health department and they are investigating their sanitation issues. I do not feel I should have to take this up with the courts as it stands. If this were a credit card, I would not have any issues likes this. 

Why am I having problems now? You are taking the merchants side on this because of a policy they have that you may or may not have read and it is quite possible that the policy they are trying to enforce is bogus and not enforceable. I can almost guarantee you that they resold the room for the remainder of my stay and got to keep my money and the new guests money as well. I will not allow this to happen to me and you will be held accountable if you reverse this transaction. I have rights under the Consumer Protection Act of both US Federal Act and the Code of Virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

15. U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In XX/XX/2020 I spoke with someone at EOS and I informed them that I knew nothing about this alleged account but wanted to get over and done with it. After further review I have found out that this account was a result of identity theft. I did not open or authorize this account, and I request that it be closed and immediately removed from my credit file from all there credit reporting agencies.
Product: Student loan

I am currently in an income driven repayment plan and am pursuing Public Service Loan Forgiveness.  My loans were consolidated with XXXX XXXX originally and were recently transferred to XXXX   XXXX. I began making monthly automated payments in XX/XX/XXXX and have not missed a payment. Additionally I have submitted the annual income certification and employer qualification forms. XXXX XXXX   provides me with monthly statements or " direct debit bills '' which indicate the number of qualifying PSLF payments. They have mine listed at 3.  They have not given me credit for the 50+ monthly payments made while being serviced by XXXX . I called and spoke with XXXX XXXX in XXXX of this yer XXXX and was told it could take up to six months for them to have this corrected. I called today ( XX/XX/XXXX ) and was told that there is now " no timeline '' for when this will be addressed. They suggested I check back in XX/XX/XXXX. This is very frustrating because I have the opportunity now to change strategies from IBR/PSLF to refinancing with a traditional lender which could save me a significtn amount of money as my interest rates with XXXX are at over 7  %. The longer it takes for them to give me accurate data I could be losing substantial money to interest payments that I would not otherwise be making.
Product: Checking or savings account

On the morning of XX/XX/XXXX, my car was broken into, and my wallet stolen. In my wallet was my debit card amongst other items. The debit card was taken to a bank nearby and the following fraudulent charges were made : Non-WF ATM Balance Inquiry Fee {$2.00} Non-WF ATM Balance Inquiry Fee {$2.00} Non-WF ATM Withdrawal {$100.00} Non-WF ATM Transaction Fee {$2.00} Non-WF ATM Withdrawal {$300.00} Non-WF ATM Transaction Fee {$2.00} This resulted in an overdraft charge of {$35.00} on XX/XX/XXXX when other planned charges were made to my account. 


I contacted Wells Fargo just a few hours after the charges were made. Wells Fargo responded two days later that the claim was denied and that they would send a letter to my residence with more information. I attempted to call Wells Fargo two times to get the matter resolved. On both phone conversations they were not able to fully go into detail why the claim was denied. The first representative I spoke with said that it was " impossible '' for the charges to be fraudulent because they used the PIN for my card. However, these charges and withdrawals were not made by myself or anyone I know. These were fraudulent charges. This was theft. I have provided an image of the letter Wells Fargo sent me that contained no extra " confidential '' information than the two representatives already gave me, but said that the letter included.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX has violating my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open-end in your consumer Credit plan as late for any purpose.
Product: Student loan

I am a participant of the Public Service Loan Forgiveness Program ( PSLF ). I am currently 4 payments away from loan forgiveness eligibility. In review of my payment counts, I noted that payments made between XX/XX/XXXX through XX/XX/XXXX were missing from my total payment counts. I sent Mohela proof of bills sent to me by my servicer at the time ( XXXX XXXX ) and payments I made at the time. Despite this proof, Mohela has refused to honor this payments. Per Mohela, these payments were made during an " in-school deferment period '' and thus not eligible for PSLF. I have spoken with multiple persons at Mohela letting them know that there seems to be a discrepancy as these bills were sent directly from my lender at the time and thus NO deferment existed during that timeframe. These 5 counts are the last counts needed for my PSLF forgiveness eligibility. I fail to understand how Mohela decline to accept that there may have been a clerical error given proof that I was not in repayment ( hence bills from my lender at the time ) and supporting payment information.
Product: Mortgage

There is a pending underwriting review for a new mortgage assistance application that has been assigned underwriting review since XX/XX/year>. We have yet to receive any communication and have made multiple attempts to call XXXX to speak with the mortgage assistance team. Each phone call forwards to a voicemail for an agent named XXXX. Although a voicemail has been left by both myself and the primary borrower we do have not received a call back to be able to obtain information about the status of our review. I attempted calling to reach a customer service agent but was transferred to the same line that went to voicemail. We have been struggling to to get in contact with PHH to get information about the current review and I am not sure if it is retaliation for filing the previous complaint.
Product: Checking or savings account

Bank of America closed my account with no warning. I opened my account, in person, verified my identity and then I deposited cash, also in person. On the same day, I used XXXX because I didn't have a debit card yet to actually use my account. They locked me out of my account online and scolded me for using XXXX. Scolded me for using my own money to pay for my own dinner. Only when my debit card arrived and I attempted to activate it was I informed that my account had been closed. No fraudulent activity, no illegal activity - zilch. I called and they said it was closed because it was just their decision and no one would explain anything further to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, have violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}
Product: Credit reporting or other personal consumer reports

I didn't give permission for my private information to be reported by DEPT OF EDXXXX account number - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I mailed a dispute to Equifax asking that they look into two bankruptcies being reported on my credit report. Equifax incorrectly confirmed that the bankruptcies belonged on my credit report. I was sent confirmation # XXXX on XX/XX/2022 Equifax says that they confirmed the Bankruptcies thru a company called XXXX. It is the responsibility of a credit reporting agency to verify information at it's source confirming Social Security number, Birthday and Name. No Federal court will provide this information under federal rule of Bankruptcy procedure 9037. 

That said I contacted XXXX and requested a consumer report from that company. XXXX sent me the requested consumer report which I received on XX/XX/2022. There aren't any bankruptcies showing on my XXXX XXXX consumer report. XXXX is not showing any bankruptcies. Equifax should not have been able to verify public records with XXXX. XXXX is not showing ay bankruptcies on my consumer report. It isn't possible to verify something when it isn't there.. Equifax has committed a grave error against me and my family and we have suffered irreparable harm due to the blatant intent of Equifax to cause me harm.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Checking or savings account

On XX/XX/XXXX I received a text from what I thought was USAA because I normally receive texts from them when I transfer money from my USAA account to a linked account on a monthly basis. So they asked me if I recognize XXXX transaction and did I authorize it. I said no. Next they said someone from the security department will be calling and they did from a number from Texas where the bank is located. Next they asked me to read the code they sent and that is when all yhings began going in a spiral. The next morning that same person called me again and somehow we got disconnected so I called USAA and asked them about the phone number at which they responded and said it was not theirs. So then they locked my account but the damage had already been done. When they asked me first that code and USAA dies do that as a security measure, the guy on the other end read off all my transactions and asked me to confirm. So now that my account was locked I had no access and USAA would not talk to me until I sent them a copy of my drivers license then I would have to wait three business days to call back. So when I called back it still was a couple of days before they would put me through to a fraud department to speak with someone. So after I was finally able to talk with someone I explained the situation and told them that all my monies was gone and that the linked account had been utilized as well. Money was transfetried to the linked account back to USAA then money added and finally transferred back to my account where then the money was drained out. USAA stated after I waited for a week to contact them because I was advised that the investigation would take approximately 5-days. When I called they had determined there was no fraud but never contacted me by mail or phone requesting to call them to go over their investigation. So after speaking with the linked account bank XXXX XXXX XXXX XXXX XXXX  on Wednesday, XX/XX/XXXX, they stated there was no fraud on their end and that USAA should reopen the claim and do another investigation. So calling USAA back for probably the XXXX time I then suggested to speak to a supervisor but still had to wait on the line. So in the interim they did say they would open the investigation and I specifically advised they can have permission to speak with XXXX XXXX XXXX. This was Wednesday and today is now XX/XX/XXXX and I have not heard anything. I have since contacted XXXX XXXX whom I am a member with and was advised to contact the Credit Bureau and make a complaint as well as contact the local police and do a report. I have made the contact with the Credit Bureau and put in a fraud alert and am contacting the local police to do my report with them. I still do not have any funds refunded nor did my bank explain how they came to the conclusion no fraud when you can clearly see there in the accounts of USAA and XXXX XXXX XXXX where these unauthorized transactions took place. Since this occurrence we had to close out XXXX XXXX XXXX accounts and because USAA has no local bank to access online banking is all that is offered.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX