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

i recently learned that my identity had been stolen, and someone, had been using my personal information, without my consent. Ive never lived at such addresses on my report, XXXX XXXX XXXX XXXX, XXXX, md XXXX XXXX XXXX, XXXX texas, XXXX cromwell, XXXX texas, XXXX XXXX XXXX XXXX XXXX texas, XXXX XXXX ct, XXXX texas, and XXXX XXXX XXXX XXXX XXXX texas. ive detailed to the credit bureaus, about this information, creditors likke, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, these companies, i have no relations with, and have never beneffitted from their services. i have written the credit bureaus, asking them to remove this erroneous information, and to date have recieved nothing back from them. i have never given the credit bureaus my cosent, to place any of these, creditors information on my personal credit file. i need my good credit, badly as i am a full time caregiver for my mom, can anyone please help me.
Product: Debt collection

I do not owe any debt and I never have. Sequim continues to call me. It says I have a XXXX  balance and they will not remove me from their call list. I spoke with one woman and she told her to take me off the list and she hung up on me. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/2023 I have {$3500.00} stolen out of my navy federal credit union account by XXXX XXXX I filed a case with them and due to XXXX XXXX sending a receipt that is was sent they denied it. I appealed it and in XX/XX/XXXX I was denied again. This money was put back for my XXXX XXXX  if any medical was needed. They till this day thro phone call after phone call for 4 months wasted my time. My XXXX XXXX become injured and needs to go to the vet I even told them. Navy Federal credit card has a zero fraud liability on there main sight and me I'm XXXX XXXX by the stat of Missouri. The have descrimante against me even then knowing I have a XXXX XXXX many times basically telling me I'm stupid and there not gon na do anything. Not in them exact words. But I want my money and tiered of the 4 months of XXXX XXXX from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX  & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of unauthorized transactions. All of the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT : {$380.00} XXXX XXXX XXXX ACCT : unknown AMT : {$440.00} XXXX XXXX  ACCT : unknown AMT : {$240.00} XXXX XXXX  ACCT : unknown AMT : {$280.00} XXXX XXXX ACCT : unknown AMT : {$220.00} XXXX XXXX  ACCT : unknown AMT : {$96.00} XXXXXXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX   ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT :  {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$200.00} XXXX XXXX ACCT : unknown AMT : {$270.00} XXXX XXXX  ACCT : unknown AMT : {$250.00} XXXX XXXX  ACCT : unknown AMT : {$170.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 2020
Product: Checking or savings account

I called the bank to argue with TWO representatives telling me the {$35.00} overdraft fee was a valid fee. It absolutely is not! According to the second representative, I deposited money into the ATM at XXXX and XXXXXXXX XXXX and my account was positive {$.00} around XXXXXXXX XXXX XXXXhe pending {$12.00} recurring payment had hit my account as pending and so according to Wells Fargo XXXX account was not positive. I received XXXX emails or notifications of the second fee until the morning of XX/XX/year> or I would have added more money via ATM to avoid any overdraft fees. 

The representative said my refund of overdraft fees was denied 1. Because I have had one waived in the last 12 months and 2. Because of the {$12.00} that hit AFTER my deposit to rectify my balance. 

At XXXX XXXX on Wednesday XX/XX/year> I received a phone call from a Wells Fargo supervisor stating the representative I talked to on my lunch escalated my complaint and so to give him 10 business days to refund the {$35.00} overdraft fees. I confirmed with the supervisor this fee will be refunded and he said yes. I let him know if I dont get a resolution in 10 days, I will file a complaint. I received an another call from another Wells representative today, Friday XX/XX/year>, letting me know he has my case and will send me a resolution letter when he is done with his investigation and where I would like it sent to. He stated at this time I might not get my overdraft fee returned. I asked him the time frame of the resolution and he said another 10 business days. Now that I have no definitive answer of MY money being returned to me, I let the representative know to proceed with his investigation and I will continue with my complaint at the same time. This overdraft fee is invalid and wrongfully applied. My account was positive with more than enough money late afternoon on Wednesday XX/XX/year>.
Product: Debt collection

On XX/XX/2022 I the consumer received in the mail correspondence related to an alleged debt owed. It was sent from a third party that I never gave permission to make contact. My privacy was violated and further this communication indicates a credit that should be in good faith refunded to me.
Product: Checking or savings account

In XX/XX/year>, Bank of America called me informing me that the account was blocked for reasons of suspected fraud, from a client who placed an order and wire transferred {$60000.00}, invoice XXXX XXXX and we are still in contact with the client and I have all the documents of the wire transfer, but on many occasions, I have contacted Bank of America and several XXXX  but they all tell me something different but I do not have an explanation where the funds are and when they will send it to me, it is a total of {$240000.00} my company has received XXXX  and XXXX  payments of less and more amounts for more than XXXX XXXX. I need an explanation and the funds as soon as possible since it is due to the capital of a small company that has XXXX  expenses.
Product: Checking or savings account

Online bank simple was the original holder of my account. Today, SIMPLE was transferred to XXXX. However, XXXX has since locked me out of my own account on their mobile app, claiming to not recognize my login. 

I needed to report a missing debit card as my wallet was lost this weekend but now have no access to my account number XXXX SIMPLE has completely shut down their app ) or debit number ( lost/stolen ). XXXX All account information, including log ins, were supposed to be the same. ) They have also disrupted the transfer experience by having their customer service agents hang up on simple users who use the dial service for help specifically with their simple account. 

Adding insult, they are specifically stating they can not hear when we start to initiate conversation. They are also now blocking all similar complaints of this mishandling on XXXX so no one can find this information. I no longer have access to my money, customer service, or to their mobile app.
Product: Student loan

Navient Student Loan Servicing was the lender ; my account was sold to them from XXXX XXXX XXXX XXXX in XXXX  after paying close to XXXX to XXXX. The student loan was originally a federal loan ( XXXX XXXX ) through a private college XXXX XXXX. Over time, the lenders mischaracterized my loan as a private loan. It never was a private loan. I would not have qualified for a private loan in XXXX as I was living in XXXX. When I graduated, I began to pay on the loan through XXXX who then sold the loan to XXXX who then sold the loan to XXXX who sold the loan to Navient in XXXX, While XXXX serviced my loan, I kept the payment logs totalling {$18000.00}. Those monies were never credited to my student loan balance. Navient never allowed me the option to go into forbearance as a holder of a XXXX XXXX federal loan because they characterized it as a private loan. They refused to send my loan to XXXX for forgiveness. I had to complain to XXXX and submit binders of support documents to show that the loan was federal and that my XXXX payments of {$18000.00} were never applied. The loan ended up costing {$34000.00} when it was forgiven by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navient owes me the full amount of the loan as restitution for lying and blocking my forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.
Product: Debt collection

In XXXX of 2021 I reviewed a copy of my credit report and noticed a collections reporting on from XXXX claiming I owe them an outstanding debt. I don't believe this account belongs to me and so I reached out to them on several occasions for validation on this account to which they have yet to send me any of the validation I requisition including the method of validation, signed contract for the good and services to which they claimed I owe. They sent a letter to me informing me that in order to get the signed copy of the contract I would need to subpoena sent to their legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one intentional put this comment on my credit report because I decided to close my account. 

COMMENT ADDED BY CAPITAL ONE : Account closed at consumers request and dispute investigation completed consumer disagrees. 

Please Note : What is accurate about the statement : I did make the chose to close my account Capital One as it was no longer a trade-line that suited my needs anymore. I also sincerely felt under-valued as a customer by Capital One. The tramline limits where extremely low and rates to high in comparison to my other trade-lines. I also did not have the best customer service experience with request to adjust rates and increase limits. Thus, I chose to close the account in good standing. 

Was is not accurate about the statement : No dispute was filed internally with Capital One, nor with XXXX, XXXX, or XXXX regarding my request to close an account ( I simply just went online and closed it ). Nor a dispute regarding balances, credit limits, or interest rate. Thus, it is false to make such a statement on the comments of this closed trade-in. As there was no Resolute to dispute. I just simply didn't want to do business with Capital One anymore. 

Furthermore, I sincerely believe this type commenting was intentional place on my file in a malicious to insure other credit opportunities might be withheld from me by implying that I dispute after resolution. Which would be a direct violation of the Fair Credit Reporting Act. 

Thus, I am requesting the comments be removed completely from XXXX, XXXX, and XXXX and XXXX.
Product: Debt collection

Last month XXXX XXXX, 2017 I made a call to the Lender and made my payment on the phone and I still have this on my credit report. Is been almost a month and they have n't removed it from my credit report.
Product: Mortgage

Appraisal was done on my property XXXX of XXXX by a realtor that Mr. Cooper sent out which was not accurate with comparison to other homes in my area so they denied the removal of my PMI, since then I have had a screened in porch added and according to a letter from my county on what my home is worth and also what Mr. Cooper has down on my estimated equity and home value I more than qualify for PMI removal but the problem is that I can not speak to anyone at Mr. Cooper. Every time that I call it's a machine that will ask you all of these questions but won't put a representative on the phone so I can get this PMI removed.
Product: Debt collection

Portfolio Recovery is trying to collect a debt that the bank has discharged and set off to the united states treasury, I dont know how they acquired this information but it IS NOT A DEBT, its only information, Now I say to portfolio Recovery, show me the debt that I owe with tangible proof!! show me the original instrument of indebtedness, in its original form, or show me a valid contract proving my obligation to perform!! I 'm not your customer I 'm not your member and I 'm not your contractee, and I 'm not your consumer get the XXXX out of my life before I call a lawyer and start legal action immediately!!!! THE BANKS DISCHARGE ALL DEBTS TO THE UNITED STATES TREASURY!!! so what kind of XXXX are you trying to pull?? how much did you pay for your information?? 31 U.S. Code 3123 - Payment of obligations and interest on the public debt Current through Pub. L. 114-38. ( See Public Laws for the current Congress. ) US Code Notes Authorities ( CFR ) prev | next ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title. ( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.
( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.
( XXXX XXXX XXXX, XXXX XXXX, 1982, XXXX XXXX XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I entered into a contract with XXXX for a XXXX XXXX XXXX. The payments were made on time and this is reflected until I surrendered the vehicle in XXXX of XXXX. The vehicle per XXXX was charged off after bring sold by XXXX in XX/XX/XXXX. All of this was reported and reflected on my credit report. XXXX updated my credit report to reflect that I made a payment in XX/XX/XXXX and last date of activity as XX/XX/XXXX, which was not true. I reached out to XXXX in XXXX of XXXX, to notify them that this information was inaccurate and per FCRA was illegal per their ruling on the re-aging of accounts. XXXX updated my report every month to reflect a charge off and last date of activity as XX/XX/XXXX. In both XX/XX/XXXX and XXXX of XXXX they reported that I made a payment, which again was not true and reported my last date of activity as XX/XX/XXXX. They also updated the date of delinquency as 90 days past due as of XX/XX/XXXX which is conflicting information. In XXXX of XXXX, they reported the account as charged off but again updated the days of delinquency to 90 days past due. XXXX, XXXX and XXXX were updated as a payment being made but again the date of delinquency was updated to XX/XX/XXXX and the last date of activity was updated to XX/XX/XXXX. In XXXX of XXXX, the account was reported as charged off, date of delinquency was updated to XX/XX/XXXX and date of last activity was updated to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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