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

To Whom It May Concern I was just looking over my credit report and found some addresses, names, inaccurate numbers, and employers. Pursuant to the FCRA 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a request for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I demand any and all phone numbers be deleted. I demand my social security number and date of birth be removed from being displayed on my credit file due to security breaches and for privacy reasons. Delete all information in the employer section. Pursuant to the Fair Credit Reporting Act 15 usc 1681 ( a ) ( 4 ) and all its subsections.

Please send me an updated credit report from three credit agencies once the changes are complete to my contact information listed.

Thanking You In Advance XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used in fraudulent actions.
Product: Bank account or service

My fianc and I opened a joint checking account at Suntrust bank and deposited a check in the amount of {$15000.00}. The account was opened on a Thursday and we were told the funds from the check would be available on Monday. On Tuesday morning the funds were not available and the account information vanished from online access. We went to the bank and were told that Suntrust closed the account citing fraud as my fianc owed them money from 2005. After a lengthily process at the bank where we spent time on the phone making payment arrangements for an {$800.00} debt we were unaware existed we still are no better off and were just told our funds could be held for 30 days. This has put my family in a very difficult situation. I do n't understand how the bank can legally refuse to return our funds? Please help me understand.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and bankruptcy records have been added to my credit file. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and records be blocked and deleted from my credit report. The following fraudulent bankruptcy records and accounts have been identified : Fraudulent Bankruptcy Records XXXX. Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX - Filed : XX/XX/XXXX - Amount : {$0.00} XXXX. Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Filed : XX/XX/XXXX - Amount : {$0.00} XXXX. Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX - Filed : XX/XX/XXXX - Amount : {$0.00} Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account # XXXX  - Date Opened : XX/XX/XXXX - Amount : {$770.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$510.00} Fraudulent Inquiry XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to equifax several times and have had problems with customer service verifying my identity. i have sent my ID Card and social to verify my identity and still have no luck. Also they are reporting incorrect information which has not been verified correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to fix things that happen beyond my control and there was another item that was not added to my identity report. All items submitted were of question to me and, it has not been updated and investigated properly. Items being verified because of my address and any other means does not mean I open the account. I have updated the ID theft report to add XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is NOWCOM/WESTLAKE FINANC Date of Inquiry XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Product: Checking or savings account

For the past month all my check deposits have been subject to hold times of 10 plus days. This was not the case prior to XXXX, 2022. The hold on deposited checks is the entire amount of the check and is not allowing access to first {$5500.00} dollars. In cases where the sum of the deposited checks is less than {$5500.00}, the checks are still being held. The account has been open for more than 10 years thus beyond the 30 day window and the account has never been overdrawn, also, in the history of the account, there has never been a bad check deposited into it. The customer service representatives use a preset script to discuss the issue with you, however, Bank of America is not following published federal guidelines on the check deposit policies.
Product: Debt collection

Southwest Credit System c alled around  XXXX   2017 , stating that I had an outstanding balance from  XXXX . Around this same time I received documentation from  XXXX  stating that equipment has not been returned and that the large bala nce (  {$700.00} plus dollars ) can be due to the result of equipment not being returned.  XXXX  was contacted shortly thereafter and informed that the equipment was sent back and should be in their possession.  XXXX , later states that the balance is due to nonpayment, not equipment.  <P/> On  XXXX     2017, Southwest Credit System re ported me to the Credit Bureau for {$230.00} which was already paid in full. Also, at no time was I given a bill of {$230.00}.  <P/> On  XXXX   XXXX ,    2017 Southwest Credit System was c ontacted and informed that the report of {$230.00} should never have been reported to the Credit Bureau. They were asked to remove/delete this negative reporting from my credit report, but refused. I am asking that this negative reporting be removed from my credit report.
Product: Credit card

A week ago, I started a payment to Capital One through my bank. XXXX  I get a message saying my payment is late and I got a {$29.00} late fee accessed. This made me look into the payment, that's when I saw that it was " still pending '' in my bank account in some sort of glitch. I called Capital One to find out what was happening and what to do next. I spoke with XXXX customer service people and XXXX supervisors without any resolution. They did release the late fee, however, my payments have gone from {$31.00} a month to now {$98.00} a month because of this! Is this even legal for them to raise my monthly amount to 3 times what my monthly payment was??? Now I've been " threatened '' with all of this going on my credit report!!! Over 8 years of loyalty and NOT ONE MISSED PAYMENT!!! I'm XXXX over this!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

Company is not complying with their own policies in a timely manner.
Product: Mortgage

XX/XX/XXXX : I acquired a mortgage through Wells Fargo, and bought my homeXX/XX/XXXX : I lost my full-time job where I made $ XXXX/year at no fault of my own ( budget cuts ) XX/XX/XXXX : I contacted Wells Fargo immediately, who put my mortgage on forbearance due to financial hardship. Home Preservation Specialist in XXXX XXXX Iowa, said on recorded phone conversation that at the end of my forbearance, we could modify the loan so my missed payments would be put at the back of my loan. Also that there would be other options available if I did not want to do this, like pay the overdue balance in installments over time. It was discussed that having options would not be an issue. 
XX/XX/XXXX : Forbearance extended to XX/XX/XXXX due to me still not having found a full time job XX/XX/XXXX : I found full time employment XX/XX/XXXX : I contacted Wells Fargo Home Preservation to begin the modification options previously discussed. 
XX/XX/XXXX : Wells Fargo responded saying I have no modification options, and to pay the {$35000.00} delinquent mortgage or sell the property. 
I now have until XX/XX/XXXXt to pay delinquent money. Wells has now not given me any options to retain my home, and gives me 3 weeks to come up with the delinquent balance. How is this fair? If Wells wants to keep their mortgage portfolio in good standing why would n't they work with me? I 'm employed and ready to start paying.
Product: Credit reporting or other personal consumer reports

I awoke on XX/XX/XXXX to find my checking account that I use to auto pay XXXX XXXX payment was overdrawn by over {$2700.00} dollars. I called XXXX immediately to request that they replace money withdrawn as this was double my normal payment. The agent on the call told me that they would need to verify with XXXX that payment was made. The agent called XXXX with myself on the phone 3 way call. The agent stated that the transfer was made from XXXX to XXXX XXXX in the amount of {$5.00} dollars. On or around XX/XX/XXXX I got a knock at my door from someone delivering certified mail. This certified mail was notice of foreclosure proceedings. Turns out that XXXX had not made the payment to XXXX given the vast overdraw. XXXX then reversed ( unknown to me at the time ) my on-time XXXX, XXXX, XXXX payments and effectively marked my account in a 90 day default in XXXX despite these payments being made the XXXX of the month every month in XXXX. All funds were paid on XX/XX/XXXX including the payments reversed as well as the shortage amount that XXXX had misappropriated. In a letter to my attorney in response to first NOE that was sent they acknowledge sending {$11000.00} from previous mortgage company elsewhere other than my account. They also state that payments were received on time and that the default was a result of the reversal that happened in XXXX. Again, all fund were then paid in XXXX, if anything I would have been 18 days late not 90 days in default. My attorney has sent 2 NOE, I have sent correspondence to XXXX as well as called them several times. Even though all payments were made on time they are refusing to correct credit report. This has been detrimental to my credit as well as my ability to feed my children. I have been 100 % on time payments across all accounts until this error by XXXX.
Product: Checking or savings account

This bank is crazy they are denying my fraud claims refusing to reimburse me sent me email
Product: Student loan

I have variable rate loans with Discover Student Loans. Since rates have dropped so low I inquired about locking in a fixed rate. I was told to refinance the loan through a new application. I was ultimately denied by Discover, my current loan holder. My fear is that they did this because a fixed rate may lower the interest rate that they collect. I am currently at +4 % over XXXX, and I do believe that it would be lower with an updated fixed-rate, and Discover denied my credit because they would make less by doing so. 

Furthermore, it makes no sense that they wouldn't refinance a loan at the lower rate seeing as how I am more able to make the payments on time with the lower rate than I was at the higher rates seen in previous years. I am currently making almost {$200.00} per month less in payments than I have in times past. In times past, I have also struggled to make payments and they are unwilling to work with me and then they get to charge late fees, etc. Perhaps another reason to deny my refinance.
Product: Checking or savings account

The XXXX  time my debit card has been declined and I have money in my account. USAA continues to put unwanted and unauthorized restrictions on my account. This is the XXXX time. The XXXX  time it was a deposit only restriction, now USAA put a credit only on my debit card. I did not authorize this, again. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of Bank of America over 6 years and I had a credit card with them with a card limit of XXXX . I was involved in an accident in XXXX in XX/XX/XXXX and I lost my wallet and everything. I lost my parents in that accident and went into XXXX XXXX XXXX and was hospitalized till XX/XX/XXXX. When I got back I saw my two credit card was maxed out and two others were open under my name. I reported to the police and try to connect with the banks as well. They not only did not help but they ruined my life by charging me more and ruining my credit. I have tried to explain several times but they do not want to help. I have been terrified by phone calls and threats that they will go further. I am in a situation of shock and they denied to do their job, protect me and my money. They have not reached out to me but are calling and causing problems to my family members who are not in the application at all. They are using personal information to threaten me and not take responsibility of my money. I have disputed amounts several time and they can see that all the charges are were done internationally and online but they denied that to me.
Product: Debt collection

Eastern Account System were contacted on numerous occasions with information stating the account doesn't belong to me. I have a letter from XXXX XXXX that states this, but Eastern Account System continue to place this negative report on my credit. I've been fighting / disputing this company for months now.
Product: Debt collection

{ Capital one/The accountXXXX } was reported has charged off literally after I paid my collection with this account. This company stated that this will not be on my report and it will be reported payed in full. I also have all the supporting documents proving what I am saying. Also I told XXXX, XXXX and XXXX to investigate and monitor this account. 15 U S.C. 1681 SECTION 602A States I have the right to privacy so this company can not send this account to collections agency without some form of communication through the consumer which is ME. 15 U.S.C. 1681 SECTION 604A SECTION 2 this States that a consumer reporting agency can not furnish a account without my written instructions. These algorithm reporting agency are taking illegal actions on my consumer report and I will not stand for any of it. Also they aren't even in compliance with XXXX XXXX credit reporting agency. I have evidence to prove my case. Also I would like for these inquiries not to be reported to my report, it's hurting my score and I want all 15 inquiries removed.
Product: Credit card or prepaid card

On XX/XX/22, I made an online purchase on the JC Penney website. The following day ( XX/XX/22 ), I noticed that JC Penney was using my former residential address as a shipping address. I contacted JC Penney customer service via phone and requested cancellation of order due to their reported inability to make corrections to this order ; the customer service representative agreed to cancel order and send confirmation email. 
On XX/XX/22, I received an email from JC Penney informing me that the order had been shipped to wrong address. 
Since that date I've disputed the charge, have had multiple exchanges with JC Penney customer service and credit card division. It should be noted that my earlier attempts to resolve this matter with the vendor have been unsuccessful. In fact, the vendor never adjusted my account in response to my dispute. The vendor 's responses have been limited to requesting return of items which I never received. 
To summarize, my online order was shipped to the wrong address despite my attempt to inform the vendor within 24 hours of the original purchase. 

See attached for further information regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had made multiple purchases through XXXX XXXX from XXXX I had always paid on time and paid more than required and always paid off many months in advance. On XX/XX/XXXX I thought the account was paid in full. On XX/XX/XXXX, there was a balance of {$1.00} that I was unaware of. I was never notified of this till XXXX XXXX  XXXX I started getting calls three times a day from a TD Bank and they were robot calls. I did not have an account with TD Bank, so I kept trying to call back to see what this was all about and kept being hung up on. I paid the dollar and was never given credit for it. It wasn't till XXXX XXXX  XXXX that I was able to speak with someone and they said it was about my XXXX account being past due. When they told me that I owed XXXX and now it had late fees and interest now totaling over XXXX  XXXX dollars, I said I need to speak with a supervisor. Was placed on hold and told I had to pay or else. Then they hung up on me. I tried calling back with constant hang ups. The account finally was reported as a write off at XXXX. Since then, I have been deigned loan of XXXX and my credit cards interest has increased because of this. If you look at my payment history, you will see that my payment history was rates as exceptional. My score was over XXXX. At one time during this my score dropped to low XXXXXXXX XXXX. I always paid my bills and this is so unfair. I tried disputing through XXXX  and TD Bank said no. 
The documents that I scan is after I found out it was XXXX and signed into account to see the discrepancy.
Product: Debt collection

I was impacted by the credit data breach that exposed my sensitive personal information, including my name, Social Security number, date of birth, and other private details. This breach violates my right to privacy under 15 U.S.C. 1681 ( the Fair Credit Reporting Act ). I have since been contacted by Wakefield & Associates, a debt collection agency, regarding a debt I do not recognize. 

To address this, I contacted Wakefield & Associates, who currently owns the debt, and XXXX XXXX XXXX, who recently sold the debt to Wakefield & Associates. I requested validation of the alleged debt by asking for legitimate supporting documents. However, the only information I received included basic details such as my name, date of birth, Social Security number, and the alleged date of serviceinformation that was compromised during the recent data breach. 

Additionally, I contacted XXXX by telephone on two occasions to dispute the account and explain that it does not belong to me. One of the agents I spoke with stated that I would need to file a police report to proceed with the dispute. As someone working 18-hour shifts six days a week, I do not have the time or resources to file a police report. Furthermore, the burden of proof should not fall solely on me to demonstrate that this debt is not mine. 

I am requesting the CFPB to investigate how this alleged debt was verified using compromised data, ensure compliance with the Fair Credit Reporting Act, and require the companies involved to substantiate their claims with legitimate documentation. I also ask that XXXX take appropriate action to address this disputed account without requiring me to obtain a police report.
Product: Prepaid card

I had got in touch with Direct Express fraud services Department about a large amount of money was taking off my card it was back to back charges from a XXXX the investigation started on XX/XX/2023 Direct Express sent me all the card statements since XXXX XXXX thats when I found out that it was some fraud activity going on for a while they was taking small amount of money at a time that i really didnt notice it was a total of XXXX I started a claim they told me that I had made the purchases which I did not make I ask for proof and wanted information which they said my case was closed and if I wanted to make another dispute I said yes because I know I didnt not make those transactions they said they would send me the dispute information but they never sent the proof or I never got the second dispute letter it made me feel like someone in there company had made the transactions I have no reason to lie that money help take care of my kids after my husband pass away
Product: Student loan

I have contacted Mohela via email messaging on Mohela Website on 9 separate occasions and at least 3 different phone calls regarding the same topic. 

My initial message sent was on XX/XX/XXXX and I have a string of messages until XX/XX/XXXX with useless generic responses even after waiting days for an appropriate response. 

I have called and spoken to XXXX different agents, all which have told me incorrect information despite rules and policies quoted directly from studentaid.gov. I have spoken to XXXX, a supervisor who reassured me that my loan will be processed correctly. She even told me " MOHELA IS A MESS AND WE HAVE TRAINEES ''. 

To date, my monthly payment is showing more than {$4100.00} per month on a PAYE plan. How is this even possible?? {$4100.00} is more than a standard repayment plan and here I'm listed as a low income plan. I've been advised by Mohela to start payment and recertify immediately. This goes against the recommendations of all my loan advisors, friends, forums, and most importantly IMFORMATION FROM STUDENTAID.GOV.. Lastly a trainee customer service agent actually submitted a recertification process despite me telling her TWICE that I DO NOT GRANT permission to initiate a recertification. My account details are grossly incorrect. 

Mohela is impossible to call into due to " high call volumes ''. I have tried numerous times without availability. Unfortunately due to long wait times, life moves on and I must return to work. 

Please fix my Mohela account! This is causing excessive and unnecessary financial burden. It is impossible to budget, or financially plan due to excessive delays and misinformation. This is leading to huge lost in opportunities and financial lost.