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

I am filing this complaint to formally dispute several fraudulent accounts on my credit report, including 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 ), and XXXX XXXXXXXX XXXX XXXX XXXX ), which were opened without my knowledge or consent. These accounts contain discrepancies in key details such as open dates, credit limits, and last active dates, and creditors failed to validate the debts or notify me before reporting them, violating laws including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates accurate reporting and dispute investigation ; 15 U.S.C. 1681g ( e ), which requires blocking fraudulent accounts upon proper documentation ; and 15 U.S.C. 1681s-2 ( b ), which obligates furnishers to investigate disputes. Additional violations include the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires timely written notice and validation of debts ; the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, which criminalizes identity theft ; the Fair and Accurate Credit Transactions Act ( FACTA ), Pub. L. No. 108-159, which provides for fraud alerts and removal of fraudulent accounts ; the Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809, which mandates data protection ; and the State of Florida Identity Theft Law, F.S. 817.568, addressing identity theft remedies. I have included supporting documentation, including my ID, Social Security card, proof of address, and a police report. I request immediate removal and permanent blocking of these accounts from my credit report and a full investigation into these violations to ensure compliance with federal and state laws.
Product: Debt or credit management

Disputed items from my credit report with Experian, came back as verified, then I disputed which method was used to verify information, and never received anything about the investigation
Product: Checking or savings account

on XXXX i looked at my statements and saw on XXXX and XXXX i had XXXX $ missing. looking them over i go from a available balance of XXXX $ down to XXXX $ on a XXXX $ atm withdraw. on XXXX i go from XXXX $ down to XXXX $ i called the bank and they had no answer for how im missing $ i filed a claim but had my account closed witch i found weird because i had done this once before and didn't have it closed i told them I'm verified with XXXX already but they will not open or return my XXXX if u look at the available balance and add u can see $ is gone that i did NOT authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

My Kohl 's charge account had been unused for approx a year and I bought a couple of items on XX/XX/2019. Based on email confirmation from Kohls I updated my billing and shipping address for my account on XX/XX/2019. I never received a monthly statement by mail or email. However, I had received emails for updates to my account information, shipping information of my purchases and hundreds of emails of advertisments. On XX/XX/XXXX, my mortgage loan officer pulled my credit report and informed me that Kohls was reporting my account as 30 days past due. As soon as I was informed, I immediatly contacted Kohl 's to resolve the issue. The first person I talked to advised that there had been no paper statements sent but there should have been email statements. I immediately searched my email account including my junk and deleted email and found no monthly statements or notices that my payment had not been received. After speaking with his supervisor, the Kohls representive said he would remove the late fees and submit a request to remove the past status from the reporting to the credit bueras but that would take several weeks to update on my credit report. After several weeks, my credit report had not been updated so I called back and spoke to another representative that said that she saw the request and that it would be updated at the end of the month when the account updated with the credit bureas. A few days later, I received a letter that stated that Kohls had investigated the credit reporting and it was correct. We contacted Kohls customer service again and they told us that the department that handled the credit reporting had made the decision not to remove the 30 day late reporting and that there was no one that we could speak to about the issue. Given that Kohls had my correct email address, mailing address and phone number, I dont understand why no attempt was made to contact me when my payment was not received. How does the account get to 30 days past due and no attempt is made to contact me. Most creditors would at least mailed a letter letting you know that your payment was not received. When it was brought to my attention, I brought the account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX Ct, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file XXXX XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/2020, XXXX is reporting an opened date of XX/XX/2020, XXXX is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit card

Was issued a credit for XXXX in XXXXXX/XX/2015 for a fraudulent transaction. Apparently the fraudulent transaction never posted but Bank of America 's credit did. Now, in XXXX, XX/XX/2015, Bank of America decided to charge XXXX dollars back to my card to make up for the credit. My credit card # changed after the fraud and I no longer have access to those statements. However, I do believe the XXXX dollar fraudulent transaction posted and this credit is being reversed for no reason. Also, it is too late and random of an occurrence for them to justly charge me now. This should have been caught months ago.
Product: Checking or savings account

On XX/XX/2022, a fraudulent check was deposited into my account using a stolen ATM card for XXXX $ as part of a scheme to then withdraw cash from the account ( I filed a separate fraud claim for this withdrawal ), this resulted in a temporary false surplus of XXXX $ in the account. The fraudulent check was then discovered and the account debited on XX/XX/2022 for XXXX XXXX bringing it back to neutral, this was noted on my statement as " DEBIT ADJUSTMENT LETTER SENT ''. Then, on XX/XX/2022, another XXXX $ was debited from my account related to the fraudulent check as part of a " RETURN ITEM CHARGEBACK '' line item. After calling fraud services multiple times over many weeks related to this incident, my claim was denied without any significant explanation.
Product: Credit card or prepaid card

XXXX XXXX changes my address without my consent. They said that they got a change of address from our post office, but I did not move and I NEVER CHANGED MY ADDRESS. I have called several times, they will not change it back because they say my passwords are wrong. So I set up auto payments to get this paid and I over paid, they will not give me my money back. They are rude and will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXXXXXX XXXX XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inaccurate information on my credit report. After disputing this account directly with creditor which ended up with the creditor being unable to verify this account in accordance FCRA, I am now disputing this account directly with Credit bureaus. 

On XX/XX/XXXX I sent a letter to TransUnion requesting them to verify the accuracy of this account. They received my letter on XX/XX/XXXX, and responded on XX/XX/XXXX stating they have verified the account is reporting accurately but with no proof or anything bearing my signature. I sent a second letter on XX/XX/XXXX which they received on XX/XX/XXXX requesting their method of verification and requesting proof of their claim. They responded on XX/XX/XXXX and again, stated the the account was verified and still no documentation or proof. 


I have repeatedly asked for evidence to support their reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims. Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

To resolve this issue and prevent any legal action against them, They must remove XXXX XXXX XXXX Acct # XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX  XXXX Balance : {$4000.00}.
Product: Mortgage

I made a quote to pay my house, to pay in full on XX/XX/XXXX, they sent me by email the house payoff valid until XX/XX/XXXX, I made a payment on XX/XX/XXXX, {$120000.00}. Only {$7100.00} left. I called the WELLS FARGO Mortgage XXXX on XX/XX/XXXX, to finish paying off the house, they did but next day Wells Fargo reversed the payment. This morning, when I accessed my account at WELLS FARGO to see if everything was ok, I saw that the payment was reversed. I called the WELLS FARGO company to find out what had happened, and they told me that I had to do the payoff quote again, I told the representative that I had already requested the payoff of the loan and I agreed with what they sent me in my email. The representative told me that I would have to make a new quote to make the payoff, I told him that I had already received it on XX/XX/XXXX, and I had the quote to pay within the period established by them, on XX/XX/XXXX, The representative kept insisting that he would have to redo it, I have the proofs of the quote that they sent me, and I was on time. WELLS FARGO is giving me a hard time to finish paying off my house, and for no reason. THE WELLS FARGO WANTS TO GAIN MORE TIME TO CHARGE ME MORE THAN I WAS PASSED IN THE XXXX ON XX/XX/XXXX, WHICH WOULD BE VALID UNTIL XX/XX/XXXX. Now he has a push game to gain time to want to charge more on top of the remaining payment, which would be {$7100.00}. It was no use talking to the mortgage representative because he told me he couldn't do anything and that it would have to be done by the big bosses to finish the house payoff. This is a joke because I already had the payoff quota, it made me very stressed, and I already have nerve problems, and this aggravated my nervous system even more. I just want to pay off the rest of my house. I think this WELL FARGO mortgage is going too far to end that story. Not only that, but I have the email proving the payoff they sent me. 
payments made and reversal, XX/XX/XXXXXXXX XXXX REVERSAL {$0.00} {$7100.00} XX/XX/XXXX PAYMENT {$7100.00} {$7100.00} XX/XX/XXXX PRINCIPAL XXXX {$120000.00} {$7100.00} Well, I made the pay-off payment in the time they sent the amount to be paid until XX/XX/XXXX, which they sent to me, if someone who works for WELLS FARGO did something wrong, it's not my fault. Just want to solve this problem yesterday. 
ATTACHED FILES THAT I RECIVED FROM WELLS FARGO MORTAGE COMPANY
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND ALL 3 CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION ON MY REPORTS. XXXX, EQUIFAX AND XXXX ARE ALL REPORTING FRAUD INFORMATION. I HAVE SENT SEVERAL LETTERS LISTING ALL FRAUD ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES ATTACHED WITH A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT. THE 3 ABOVE AGENCIES ARE NOT REMOVING THESE FRAUD IDENTITY THEFT INFORMATION FROM MY REPORT. THEY DO NOT SHOW PROOF OF THESE FRAUD ACCOUNTS BEING MINE AND DO NOT REMOVE THEM BY FEDERAL LAW AND CODES THEY ARE TO REMOVE ALL IDENTITY THEFT INFORMATION FROM THE CONSUMERS REPORT, THEY HAVE FAILED TO DO SO AND ARE NOT COMPLYING BY FEDERAL LAW. MY LETTERS HAVE THAT LISTED AS WELL BY LAW AND A COPY OF THE FAIR CREDIT REPORTING ACT HAS BEEN ATTACHED TO ALL MY LETTERS AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX I had credit freezes with all three Credit Reporting Agencies in place since as an XXXX year old I don't normally apply for any new credit. I was switching XXXX XXXX providers and they needed to run a credit check. 
When I tried to sign on with each XXXX XXXX they made me change my existing passwords ; then they each steered me to a website page that tried to upsell me to a higher level of constant credit monitoring. Nowhere on the page was there a box for freezing or unfreezing my account, nor was there a query search box available. 

Finally, I did an internet search and saw that XXXXXXXX XXXX had information on how to lift a freeze with credit agencies and provided links. I was able to temporarily lift the freezes with XXXX and Experion. XXXX was the worst. They couldn't identify my account using my user name or email address, gave me a phone number, where a computer asked me a dozen related, multiple choice credit usage questions. Then the computer said I would have to mail in or fax the request for a temporary unfreeze. 

Total time, over XXXX hours and still don't have the temp unfreeze from XXXX. 

By placing an upsell page XXXX on their website, I am sure many inadvertently are signed up for their more expensive services. The FREE services should be prominently shown on all their web pages and the Freezing, Unfreezing service easily found. 

Thanks
Product: Credit card or prepaid card

I spotted a fraudulent charge XX/XX/XXXX on my Citi Credit card and notified Citi online the same day as the charge on my card. Citi acknowledged my dispute and credited my account for the amount. On XX/XX/XXXX Citi informed me that they considered the charge valid and was reversing the credit. Citi supplied the documentation they used to decide the charge was valid and in reviewing it Citi allowed a foreign bank to make a cash advance from the credit card which should not be allowed. 
What I believe happened A hacker with my card info opened an account with XXXX XXXX and using my card deposited {$400.00} into another account supposedly my nephew ( which I have none ) at XXXX XXXX. The bank charged a fee of {$8.00} for the cash advance. 
The documents XXXX XXXX provide are self explanatory. 
I do not have an account with XXXX XXXX My email is not XXXX I do not have a nephew and no idea who XXXX XXXX is My North Carolina driver 's licence number is not XXXX Citi it treating the disputed amount as a charge when it is a cash advance. 
It would appear that Citi is allowing illegal transactions
Product: Credit reporting or other personal consumer reports

I have received an ongoing credit report that suggests that I may owe XXXX XXXX XXXX. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that XXXX XXXX XXXX, XXXX, XXXX and Transunion provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.
Product: Credit card or prepaid card

Hello- I put a dispute in for a package I never received. Pay Pal credit has not resolved my dispute and it has been more than 60 days. Every time I call they say it will be taken care of and it never has been. I have sent them documentation that the merchant agreed I should be refunded and they tried to refund me but it didn't go through. the documentation was a email written by the merchant. Pay pal still has not removed the charges. This happened back in XXXX. I'm beyond frustrated and tired of calling Paypal credit. They keep telling me, 'it should have been removed, let me contact a manager ' but still nothing has happened. Instead they sent me a letter stating they have opened up a dispute. Well a dispute was already opened. So I don't know why they would send a letter stating that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance, I am writing to request a correction of the following information on my [ Experian, XXXX ] consumer report : An account ( number : XXXX ) with XXXX is currently being reported as delinquent. This account does not belong to me and has not been updated since 2018. I have reached out to the credit bureau to correct this, but this information is still reporting inaccurately for 2 out of the three bureaus.

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 USC 1681. 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 : 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.

Thank you for your assistance.
Product: Mortgage

My original monthly mtg payment was XXXX per month at closing in XX/XX/XXXX I then received a check on XX/XX/XXXX in the amount of XXXX for an escrow shortage. Then received a tax bill from the county assessors showing tax assessment in amount of XXXX per year and according to my closing disclosure they were escrowing XXXX per month, and only collected XXXX ( 2 mths ). I am now being told my payment is increasing by XXXX per month and they also requested that I return the escrow shortage check I received in XX/XX/XXXX. I have a made multiple calls for an explanation that is logical and reasonably understood, and have not been successful in receiving a resolution. I believe this is a servicing error that should be resolved by the lender. I have consistently met my financial obligations on a monthly basis and should not be held liable for their inability to manage escrow accounts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an account listed on my credit report that I have no knowledge of. The account in question appears to be associated with XXXX XXXX for a federal student loan. I have reviewed my records and have no recollection of applying for or authorizing any loans with this company.I believe this account may be fraudulent or the result of an error. I would appreciate your assistance in investigating this matter and removing the account from my credit report.Despite providing all necessary documentation and clarifying that I have no knowledge of this fraudulent account, the issue persists, and the account has not been removed from my credit report. I have made multiple attempts to address this directly with the credit bureaus, yet there has been no meaningful response or resolution to my case. 
This ongoing situation is affecting my credit standing, and I am extremely frustrated by the lack of action taken. I am requesting immediate attention to this matter and a thorough investigation to remove the fraudulent account from my credit report.