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

Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The item listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. 
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 ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report Fair Credit Reporting Act Section 605B [ XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo froze my acct and accepted funds from my bank that were in transit prior to the freeze. They offered no explanation why asked for my driver 's license to which I sent and my account is frozen and the money is stuck.in there and I have no access to it. They offered no solution other than wait and see. I use the acct for personal use.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information being reported on my XXXX  credit report. I have spoken to representatives and sent letters to dispute the public records which should not be reporting on my credit per the XXXX, which states- Beginning XX/XX/2017 public record data collected for credit reporting agencies, including bankruptcies, civil judgements and tax liens are to be removed from credit reports. 

They have not complied with this law, whereas the other bureaus have.
Product: Student loan

Well Fargo, where I have a private student loan, stopped sending me statements in XXXX of 2015. When I realized that I had n't paid my usual bill, it was already past due. I called to resolve the issue. I successfully convinced Wells to waive the late fee AND ( I thought at least ) to set up automatic online payments. 

No paper or online statements came in XXXX of 2015. Instead ( again ) the only way that I realized that I had a past due amount came when I received a phone call demeaning payment. When I called Wells again to see what was going on, they refused to waive the late fee and claimed my earlier conversation setting up the online bill pay never happened.
Product: Mortgage

My mortgage was switched from XXXX XXXX  to SPS Servicing after I aproached a problem involving a so called " XXXX XXXX  '' which was tied to XXXX XXXX attached to my home address. I tried over one year to lease rooms in my home during the Pandemic. It wasn't a success. My internet was stolen, the information on the cable bill was my own address, however, was not able to access the billing details with the company, I eventualy had to file a police report to indentify the connectivity.

I had no internet for two years, and that caused displeasure with long term tenent occupancy. I was a victim of identity theft through XXXX XXXX. This process among other issues such as caring for 2 of my ailing family members that were ill with XXXX at the time, and experiencing slightly suppressed sales due to covid.
Product: Checking or savings account

Citibank debt checking and Savings. I was mugged at a XXXX, CA Citibranch pre 2010. I closed my checking account to my knowledge and kept my Citibank savings account. I believe someone opened a checking account, linked it to my Citibank savings account, and has been accessing my funds ever since. There's a possibility someone was able to use this information to access mortgage information. I am not able to provide screenshots from my bank account that is linked to my citibank account as the banking apps don't allow screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Balance : {$880.00} XXXX XXXXXX/XX/2023
Product: Debt collection

This will reference prior cases XXXX ; XXXX ; and XXXX. 

I just received notice that AMEX is charging late fees of {$81000.00} while I was granted a stay by AMEX on XX/XX/XXXX while speaking to XXXX XXXX XXXX title team leader who granted a STAY for payment and now I am being hit with LAte PAyment fees. I have been defrauded by XXXX XXXX   while AMEX knows this that the monies were removed from my account after third party verification. The amount that is now owed AMEX went from XXXX to XXXX. This is not right. In addition it will be shown that XXXX XXXX   defrauded me as per a third party verification that has caused severe damages. I am lost for words what these banking institutions are doing ... Please remove these late payment fees and get XXXX To live up to their word in making XXXX payment plus damages to me ASAP Just received statement from AMEX XX/XX/XXXX 60 day late Payment fee {$8000.00}
Product: Student loan

I have been disputing the amount owed to XXXX for two years. Every time I ask for proof of payments I 've made to XXXX from both XXXX and the various debt collection agencies I get NO response.This letter states that XXXX had paid a default claim to the original lender. This in my opinion is a fraudulent payment made on my behalf ultimately costing the american tax payer. Now Transworld Systems XXXX XXXX PA, XXXX has sent me a letter stating my debt is in default and is threatening to sue me for the amount owed. This IS the FIRST time I 've heard from this collection agency. By their own admission they received this debt on XX/XX/2017. They have no records that this has been in dispute and they immediately defaulted my loan and has sent this info to the credit reporting agencies. This is unacceptable collection practices. Every time I tell a collection agency that this is in dispute they " sell '' it to another collection agency and I am back at square 1 in trying to gain the information to compare with my own records. I firmly believe that when I lost my job two years ago I only owed approx XXXX for both loans total. These collection agency 's and by inference XXXX are stating that i owe XXXX ( rounded ) PLUS interest and collection fees bring my total to XXXX. Which by the way is a different amount that I was told by the last collection agency. I want an investigation into my history concerning the various agencies attempting to collect this debt. it is my contention that this debt has passed thru at least 6 different agencies all as soon as they here its in dispute they pass the buck to the next agency causing me and my credit report serious harm and harassment. I will be contacting a lawyer concerning this at this point because two years of trying to request info which by law I have every right to receive only to be given the run around and threatened is beyond the pale.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Prestige Financial Services Administration will not accommodate me on my Lifetime XXXX and ADA Disability Civil Rights Act under Department of Justice. 
I have respectfully requested for lower payments as l am going through a permanent Financial Hardship and l also have a Federal and State tax debt and l have to pay. 
I will not be able to make any more payments of {$440.00} or {$480.00} on my auto loan after XXXX XXXX. 
I can only a afford a payment of {$270.00} to {$280.00} @ month on each month on the XXXX. 

I am on a fixed XXXX Retirement Pension income and have no other financial means. 
Also, Prestige Financial Services Administration email me a document disclosures for me to sign of l wanted a change in due date on auto monthly payments. 
In which l told them l don't have to sign because is not mandatory in the Consumer laws of Federal and State. 
Prestige, should not force our XXXX XXXX of XXXX XXXX XXXX and XXXX Veterans to sign a document, so they can have their way legally and put a restriction on a auto loan. 
I am continuing to have major issues with Prestige since XX/XX/XXXX till Present, when l was going through a my Bankruptcy Chapter XXXX of XX/XX/XXXX and purchase the XXXX XXXX XXXX  XXXX in Texas with mechanical issues and overpriced purchase on XX/XX/XXXX. 
Bankruptcy Chapter XXXX was discharged by Federal Judge in XXXX, Texas on XX/XX/XXXX. 
It appears that soon l might have to return vehicle back to XXXX as l can not afford monthly payments of {$440.00} and {$480.00} after XXXX XXXX. 

I like to keep the car as l needed it for my Lifetime XXXX Medical treatments and appointments with my XXXX  Doctor Dr XXXX XXXX XXXX in XXXX, California. 

I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.
Product: Debt collection

I FOUND ON MY CREDIT REPORT THAT ERC PLACE A COLLECTION FOR XXXX, I HAVE REQUESTED TO ERC A VALIDATION OF THIS DEBT
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted affidavits to XXXX disputing several accounts with inaccurate or unverifiable information. The affidavits are identified by the following numbers : 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 Despite providing affidavits and supporting documentation, XXXX continues to report these accounts and late payments without substantiating their accuracy. Some accounts have already been removed by Experian as unverifiable.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), XXXX must conduct a reasonable reinvestigation of disputed items and remove or correct any information that can not be verified. The continued reporting of these accounts and late payments violates FCRA standards and creates inconsistencies among credit bureaus.
Product: Student loan

My student loan transferred from Mohela to Mohela.studentaid and upon transfer interest capitalized and my payment was recalculated to a higher amount. My student loans are on an income based payment and pursuing public service loan forgiveness, and I am unclear how my payment can change when nothing else has changed ( Im up to date on income certification, etc ). I contacted them via telephone and was told the terms of my loan can change any time and was not provided with a resolution or option, and my payment is now due but the payment is significantly higher than my previous payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the 3 credit bureaus months ago about some inquires some i did and some i didnt do i never recieved anything back and nothing changed
Product: Credit card or prepaid card

I have documentation promising I would receive a {$25.00} statement credit for my first purchase for opening my credit card. There have been two billing cycles and no such credit. I contacted the company twice and was told I should receive it soon and have not. I feel I was misled, lied to and taken advantage of by this false advertising. I would not have sacrificed a credit lookup if it were not for this promotion!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report to experian and XXXX incorrect info.they are reporting that I opened an acct with them XXXX of XXXX.i did not have an acct with them.i had an acct with XXXX mortgage. I requested proof of application with XXXX XXXX XXXX they ignore my request and refuse to stop reporting fraudulent information
Product: Payday loan, title loan, or personal loan

I am trying to work out a payment plan to be able to pay off this debt. The company refuses to work with me.
Product: Credit card or prepaid card

I have spent most of the day trying to close my Paypal account. Paypal will not close my account because they say I must close my Paypal credit account. Which I have.closed. Paypal and Paypal credit are two different accounts..After a bunch of attemps with paypal chat, the chat person keeps telling me to ask Paypal credit what the problem is.I even copied and pasted a copy of my Paypal credit account page at thie Paypal credit web site that says my account is closed.They contiue to refer me back to Paypal credit. I want to have both accounts closed. I have closed the Paypal credit account and now want to close the Paypal account. Paypal has thus far refused to close my Paypal account. How do I get the Paypal account closed?
Product: Checking or savings account

I opened a Bank account with BB & T ( XX/XX/2016 ) Account number ending in XXXX, this was a student Banking account. This account was then closed on ( XX/XX/2016 ). I received the letter stating that the bank decided to close the account due to the information found on my XXXX XXXX report. 

I was a victim of identity theft and Made the indication to the bank for the information found on the report and requested for my information to be reviewed. They have reported these accounts to XXXX XXXX and they remain on my record. I have notified the bank and requested that they remove the information from my records and they have not done so. 

There is no current information listed on my XXXX XXXX indicating any reason as to why my accounts should have been closed. This matter is affecting my ability to bank with any banker and is putting a hindrance on my financial ability to bank.
Product: Debt collection

Debt was opened a year ago and I never received the right to dispute the debt. I was told my insurance that I had at the time, covered this.
Product: Mortgage

My name is XXXX XXXX. I have a mortgage with wells Fargo since XXXX. My mortgage payment started at about {$1100.00} a month. Within the shortest period my mortgage increased periodically to almost {$2000.00} a month for a small XXXX. I paid this amount till XXXX till when i could n't keep up with the payment any longer. I applied for loan modification before my mortgage came down to {$1200.00}. I want to know why i was paying the kind of money and why that fast increase to my mortgage. My email is XXXXXXXXXXXX. Phone number is XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX BANK XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit card

Macy 's American Express Credit Card ( " AMEX '' ) failed to deliver my e-statements through the XXXX XXXX XXXX Bill Pay for three months in XX/XX/XXXX. During those three months, AMEX continued to incur and accrue interest and penalties on my account. On XXXX/XXXX/XXXX, I had phone conversations with XXXX different AMEX customer service representatives attempting to resolve the situation. During one of the phone conversations, a representative indirectly refused to mail me the missing statements ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and my request to speak to a supervisor was denied as well. In addition, some of the key information provided by the XXXX customer service representatives during the phone calls was inconsistent with the information listed in the XXXX XXXX XXXX XXXX/American Express Credit Card Agreement regarding the billing statement. 
My AMEX credit card account was opened in XX/XX/XXXX. Since then, there has been no change to my AMEX account and account number and the XXXX XXXX XXXX Bill Pay and e-statements through XXXX XXXX XXXX. On XXXX/XXXX/XXXX, I paid the cumulative interest and penalty of {$100.00} in the XXXX, CA Macy 's Department Store to stop the AMEX account from continuing to incur interest and penalties while the complaint process continues. 
As of today, AMEX has not delivered my missing statements. Please see the attached personal statement and supporting documents for details.
Product: Credit card or prepaid card

XX/XX/XXXX my problem started with Wells Fargo Bank, about a mortgage loan. Now it has started with a credit card from them that I never open. In the month of XX/XX/XXXX, I received a letter if I did not use it, it would be closed. I called them and spoke with someone by the name of XXXX about the matter. I was given a case number XXXX. Then I received a letter on XX/XX/XXXX at my request to close the account. I never even spoke to any one on the phone or by letter. On XX/XX/XXXX, received another letter they have my complaint. Unbelievable, I received another letter, on XX/XX/XXXX, I requested the bank to reopen my credit card at my request it has been approved. But I received a letter on XX/XX/XXXX, they received my complaint and they were reaching out to me. Case no # XXXX. But still receiving letters my account is being opened. I feel I am being harassed since I am a Senior Citizen. Just the other day Wells Fargo Bk, XX/XX/XXXX was on I witness XXXX XXXX XXXX, for employees forging illegal pandemic loans, that customers never applied for. I am tried of Wells Fargo Bank messing up my credit in the credit bureaus. I never ask them to open a card for me or close it then reopen it. That dose n't make any since. This is a sick behavior.
Product: Checking or savings account

Opened a joint checking and savings account with Citi bank with the motive of moving money for my down payment to this account and setting up auto pay. 

Date of opening - XXXX XXXX, XXXX Funded account with XXXX $ ( XXXX XXXX, XXXX XXXX 
Never received any debit cards for the account. 

On XXXX tried to add another XXXX  account belonging to my wife to transfer XXXX $ in the account. We added the account and it didn't give us any failure message and this is where the nightmare began. They never added the account and i mistakenly chose an account which didn't have the funds. I immediately called the bank ( within 5 minutes of making the mistake since i couldn't see a way online to cancel the transaction ) and they gave me a response they can't do anything and since you don't have funds the transfer would be canceled. I still called my other bank and did a stop payment. Also, made sure that i am not removing any money from the account. 

They resolved the issue by around XXXX XXXX but blocked both my checking and savings account. And even till date i never received any debit cards. 

I kept calling them and they kept hanging up. They just repeated that the account will be closed and you will get a cheque for the money in your account in 60 days. They closed my savings account around 4-6 weeks ago which didn't had any funds, but they still haven't closed my checking account and returned money. 

I have tried calling them, visited their branch multiple times but no success. 

Also i tried to make them understand that i am moving from my current address so atleast update the address in your records and there answer has been can't do until the account is closed after which i will have to call customer care again and try and change the address. 

It has already been more than 4 months that i have been trying to get my money back
Product: Credit reporting

Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** MEDICAL - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.