23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate XXXX Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. 
An account was opened in my name under Capital One Bank USA NA on XX/XX/XXXX in the amount of {$1000.00}. 
I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that what I claimed were fraudulent charges had been verified by them as charges made by me. However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$44000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} 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 called numerous times and they keep staling and don't want to talk to me. They sent me to collletion for a amount of XXXX and I have never bought anything from them and the put on my credit report that it was opened in XX/XX/2023 and that it was a joint account and they won't tell me who the other person is. I don't owe this money it was not me I think someone stole my identity and they won't talk to me. I called the Collection agency and the guy said he was going to charge me money to fix it. But I don't owe the money. So why should I have to pay to fix it? I think I'm being scammed they took my identity. This is not me, I need help fixing it. Somebody's got ta know something. XXXX XXXX XXXX in XXXX, Alabama. Is the people that sent me to the collection agency? 
The collection agency 's name is Jefferson capital systems.XXXX XXXX XXXX XXXX  is the guy I talked to.
Product: Credit reporting or other personal consumer reports

I am demanding the immediate deletion of this DEPTEDXXXX student loan account from all credit reporting agencies ( TransUnion, Experian, and Equifax ). This account is listed as closed and paid with a {$0.00} balance but continues to appear on my credit report. It was previously disputed and marked as " Dispute resolved ; reported by grantor, '' which I strongly contest. 
Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE were given unprecedented access to vast amounts of educational data including DEPTED/XXXX  records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report. 
I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

please reference previous complaint filed - # XXXX this is what i submitted and Wells Fargo came back with a response to a XXXX XXXX XXXX credit card ( # XXXX ) which was paid off BEFORE any interest could be charged so i need to submit my complaint again. I received a letter from Wells Fargo with a contact number and I have left 2 messages so far for XXXX XXXX at XXXX ext XXXX and have yet to hear back from him. 

I opened a credit card with WF ( # XXXX ) with a 12 month introductory rate. I recently noticed that they are charging me 28 % which is more than what they show online for " the worse case scenario ''. My credit isn't that bad so I don't understand why I am being charged the highest rate, even more than what they advertise so I called them The guy on the phone agreed with me and said " I don't know why you are being charged more that what we quote '' and he gave me back 2 months interest but said he couldn't adjust the interest rate. in 2017 I paid almost {$1000.00} in interest! My monthly payment is {$130.00} and {$88.00} goes to interest ... how can I ever pay this off at this rate?
Product: Debt collection

I contacted XXXX XXXX to settle a debt with Capital One and came to a payment agreement to have it removed from my credit report and it still appears on my report. 

This unfair business practice that this debt collector has accepted a payment to settle the account but continues to tarnish my credit then why would I make a payment just to have the derogatory mark still reflect on my credit report.
Product: Checking or savings account

I opened citi and they closed my account due to saying money order fraudulent. I would like to say i feel very discriminated because i just opened my accoun and they stole my money order.
Product: Mortgage

My loan was sold by XXXX XXXX to Ocwen in XX/XX/XXXX, I was granted a Non-HAMP modification by Ocwen signed and notirized XXXX XXXX. According to the language of the modification I was to have a 4 % interest rate for the life of the loan. There was no indication of any increase. XX/XX/XXXX I received a notice that my interest rate was to increase to 5.125 % as of XX/XX/XXXX, a few weeks later I received notice my loan was being tranfered to XXXX XXXX and all future payments and correspondance would go to them. No action could be transacted until the transfer of documents had occurred. After being assigned a loan specialist I brought to his attention my grievance concerning the increase of interest rate an oversight error on the part of Ocwen. He informed me after reviewing the modification documents it did appear to be an error however his supervisor and or the underwriter 's would investigate. Shortly after that I was informed contact with Ocwen would be necessary and they would have to make any adjustments in the loan interest rate increase. To date I 've been told no contact has been made with anyone who is authorized to make those adjustments as XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a loan previously with this company XXXX. It was a personal loan of XXXX I opened back in XX/XX/XXXX paid off XX/XX/XXXX. I never missed a payment with them, yet, it doesn't show positive account pay off. 
They also have listed another XXXX loan that was taken in XX/XX/XXXX. That depending on my credit report there is one or no payment made to this account. Then it went to CO. I did not take a loan out during this time, nor did I use XXXX. Later that account, this information was sold to another company. So, my information was shared to yet another company without my knowledge or consent. I have been doing credit research and working with credit repair companies ( XXXXXXXX ) since XX/XX/XXXX. I have sent letters and made calls to XXXX. I'm redirected to this new company that I have never had any communication with. I receive no response. And I have had only further and greater impact to my credit and lifestyle.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX Experian You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX  you have no Payment History listed on your report this is a violation of the FCRA! 

Experian You are reporting and Ok Payment On XX/XX/2019 XXXX you are reporting a 30 day late on XX/XX/2019 XXXX Again you are reporting nothing. These accounts are inaccurate therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Washington DC XXXX
Product: Checking or savings account

I tried to get into my account in XXXX. I was blocked, after many attempts, I did get someone to tell be that my account was closed. I asked about the balance of {$10000.00}. Talked to many people at Schwab, some helpful, some hung up, but I found out that the account was closed, but not by me, middle of XX/XX/2021 with that balance, {$10000.00}. I did not close the account, nor did I receive that money. I did however, get a letter from Schwab dated, XX/XX/2021 with their checked attached, which was earlier than my correspondence with them, stating that the account is now closed per my request and enclosing a check in the amount off the closing balance, {$.00}. 

The letter and check is dated earlier than I started this entire situation. I have copies of all documentation regarding my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off an installment loan with XXXX. After paying off the loan they placed it as a charge off on my credit report. I contacted XXXX and they sent me a letter stating the balance was paid and the account was closed but they refuse to reflect that on my credit report. It is now XX/XX/XXXX and XXXX has reported a charge off on my account for every month since then and the credit reporting agencies refuse to do a proper investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that XXXX is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX Their stance is basically that the account is no longer with them, so it is no longer their problem.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/year>. 
A tire blew up, the radio screen does not function properly, and it was sold to me with both airbags malfunction. They denied coverage for the tire, after a couple of visits the screen issue is still not solved, and the issue with the recall of the air bags has not been removed. I requested a car while the issue is fix, and thet denied it. I also requested to return or exchange and they denied that as well. 
How can I terminate this loan without jeopardizing my XXXX XXXX?. Thank you so much for prompt response.
Product: Checking or savings account

I was closing on my home XX/XX/XXXX last Friday. I got an email from my title company or from what I thought was my title company but come to find out. It was a scammer somehow got into their system with use their title name and someone that works their email And email me to wire my closing cost to Citibank in Delaware once I found out that it was not real when I reached out to my title company, I went to my bank, which is XXXX XXXX  to tell them to stop the transaction. Please stop it so then after all of that I find out that Citibank in Delaware that branch is closed, just find that out today XX/XX/XXXX im filing this complaint because I really need my funds return as soon as possible so I can have somewhere to live because Im currently homeless that money was the money from me selling my home Dont know what else to do. I was told to do this. I already filed one complaint with my bank. Theyve been reaching out to me now I need help with Citibank. My bank has been telling me to also file another complaint I dont know what else to do
Product: Credit card or prepaid card

I am filing a compliant about Navy Federal Credit Union, I have had the credit card for few years.During the pandemic i struggle to make monthly payments. I contacted the Credit Union and they worked with me. It was not until the interest rate reset higher my monthly payments were over $ XXXX {$800.00} dollars. I sent what I could. I did call to speak with a credit counselor, and that when they took information about my hardship. I made smaller payments, I was on the call on XX/XX/XXXX I was informed that I will continue to make my payments. Then I was told my card was closed 2 months ago. I explained not anytime that either costumer service representative. I was very upset about how this matter was handled. I mentioned that i would be filing a consumer compliant. They sent me a letter dated XX/XX/XXXX. showing the amount I will be payment monthly and my current balance. I am requesting my card be re-opened. I am still going to be charged recurring bill payment and recurring transfer charges. How can that be on a closed card they closed with out informing me. Your attention is appreciated.
Product: Mortgage

Complaint is that we felt forced to use a company that rented space in a realtor 's office if we were going to buy from them. I know it is not compliant as the realtor just collects a flat fee from the lender and then expects the client to use them. It was very shady at best. We were looking to buy a home in XXXX and the realtor XXXX XXXX made us use EMortgage to get our loan.
Product: Credit reporting or other personal consumer reports

I want to file this please as my formal complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit has sent me paperwork for this account, but they are bills/statements that show payments were made. There is no contract, no address verification, no name verification, IS or anything sent that provides that this account belongs to me. Statements do not prove that it is me. I am not aware of what account was used to make these payments or anything. 

The address and the name are slightly off as well. My middle initial is not included as reflected on my credit report and the address is missing a number. 

Again, please remove this fraudulent account from my report asap. Ive disputed this several times already. 

Thank you, XXXX
Product: Checking or savings account

I am writing to file this complaint against Wells Fargo Bank regarding the numerous issues I have encountered while attempting to open and maintain a checking account with them. Despite multiple attempts, the bank has failed to provide a satisfactory explanation for the denial of my account opening. 

My latest attempt to open a Wells Fargo checking account occurred on XXXX XXXX XXXX at the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, NY XXXX. During this visit, I diligently provided all the required information, including XXXX forms of identification, as requested by the bank. 

To my surprise, the bank informed me that my account could not be opened. When I inquired about the reason for this unexpected denial, the banker was unable to provide me with any specific information. Instead, I was assured that I would receive a letter in the mail addressing the issue. 

It has now been over 10 days since my visit to the Wells Fargo branch, and I have yet to receive any such letter. The lack of communication and transparency on Wells Fargo 's part is not only frustrating but also raises concerns about the handling of my personal information and the bank 's adherence to standard procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX case XXXX XXXX  in the XXXX   XXXX ohio federal bankruptcy court. One account, Honor Finance has been notified of the filing and discharge but refuses to change the status to closed and XXXX. Multiple attempts to speak with someone results in voicemail. No call backs and no return emails. The bankruptcy was discharged and by bankruptcy law, they are required to change the status correctly. This is now affecting my credit report as they will not show account closed. My account with honor finance is # XXXX. I have disputed each and every Credit agency report. This account was not reaffirmed in the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

United One has repeatedly pulled my credit without my consent. The last time, in XX/XX/XXXX, I put in complaints and the hard inquiry was removed. Now, in XX/XX/XXXX, they are pulling my credit again without my consent. This is adversely affecting my credit score through no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see repetitive 30 days late marks on my report, I was never late on this account and I've tried many times to contact with the creditor but they never responded with my concern.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. 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 an 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: Mortgage

I want Wells Fargo to pay off the {$53000.00} balance from the XXXX I paid to principal. Then refund {$55000.00} I had in the escrow account at foreclosure
Product: Credit card or prepaid card

I filed a complaint on XX/XX/XXXX I just now received my balance of {$6300.00} on XX/XX/XXXX. Thank you for that by the way, but I have not received my additional money taken from me by Bank of America. In my first complaint I mentioned they owed me my balance above, but they also owe me additional money, which they did not return. When I first filed my claim with Bank of America they gave me temporary credit in the amount of {$2000.00}, as I mentioned in my previous complaint that with all of the money being stolen from my card, I immediately took it off. I had thought everything was done, and I got my money back, but then on XX/XX/XXXX they took that money back, which put my account in the negatives. I guess they came up with the conclusion that I was a fraud, so it's understandable that they would take it back. Since my bank account was in the negative they froze my account, which meant I could not use or withdraw money from the account, and from then on every time I received money from EDD they took it until it was all paid back. They gave me back my initial complaint balance which included the temporary credit, but they have not given me back the additional money that Unemployment gave to me. From XX/XX/XXXX to XX/XX/XXXX, they took my unemployment money, that was supposed to be because I committed fraud. On XX/XX/XXXX {$210.00} and {$300.00} a total of {$510.00} was deposited, on XX/XX/XXXX {$300.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, and finally on XX/XX/XXXX {$210.00} was deposited in which I believe only {$2.00} was taken from it. All of this money was deposited by EDD/Unemployment, but I had no access to use because Bank of America took it, this is all additional money that was taken. It would have not been taken if Bank of America would have not deemed me as a fraud, as you see I am not because they returned my money and found no evidence. The amount of money they owe me is {$1400.00}. It's unfortunate I had to file another complaint in order to get the additional money they took, and neglected to return even though I mentioned it in my previous complaint.