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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting

I have a lot of fraudulent inquiries that are not mine on my credit report with Transunion. I 've addressed this issue with transunion when I sent them letters about the inquiries as well as other accounts on my report that do n't belong. All of the inquiries were removed from my report and then reinserted without a 5 days notice which is an FCRA Violation. I 've reached out to them on numerous occasions and the representatives would tell me I have an extended file. They stated sometimes it will show no inquiries depending on while file being reported. This is against the law and I want these inquiries removed.
Product: Debt collection

XX/XX/23 : A screen shot of a Wakefield & Ass letterhead telling me how to view debt collection followed by a text with a link. 
XX/XX/23 : a phone call I did not answer with a voice mail asking me, by name, to return the call. 
XX/XX/23 : a phone call I answered. I was hung up on. 
XX/XX/23 : Text message from XXXX stating the company name, a phone number to call and a link to use. 
XX/XX/23 : A phone call in which I requested a debt validation letter. The person I spoke with said one was sent, described an envelope, and said another couldnt be sent. They verified my address, said a letter was sent in XXXX, and told me how to access the information online. 
XX/XX/23 : Another phone call in which I said I will not be speaking with anyone until the debt validation letter is resent and received. 
XX/XX/23 : I repeated that I will not be speaking with or handling the debt until a debt validation letter is sent. 
XX/XX/23 : I attempted to contact customer service to complain, I was hung up on or call was dropped. 
XX/XX/23 : Another call. I demanded to speak with a supervisor after being told a debt validation letter was sent in XXXX and another could not be sent. Then I was placed on hold. Then told the supervisor wouldnt take my call/wasnt there however I can be sent a letter. 
I am incredibly skeptical a debt validation letter will be sent.
Product: Checking or savings account

I normally use XXXX to transfer money between my XXXX bank account and my Discover account on almost a daily basis. I have NEVER had an issue doing this until today/yesterday where I transferred {$800.00} from my XXXX debit card to my Discover debit card. XXXX confirmed the money was sent instantly, as it has been in the 50+ previous transactions. 

I received an email from Discover at XXXX XX/XX/year> that they received the {$800.00} payment and it will be " immediately deposited into my account. '' The money did not get deposited. I called Discover and they said they " see it in another system however it was sent by XXXX XXXX XXXX and should be there next day. '' Here we are XXXX XXXX the next day and the funds are still missing. I sent two other financial transactions out of that same account to two other bank accounts and those funds arrived, however Discover is not giving me my money, without reason. 

THIS IS SCARY! This is unbelievably scary that Discover is doing this. They are literally STEALING and holding people 's deposits without cause. Please investigate Discover for this type of behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Best Buy pulled my credit without my consent on Monday XX/XX/20. I was asked if I had a rewards membership ( which I do ) and I figured they were just going to pull it up. He asked me for my social. I asked the employee what do you need my social for? It is just a rewards card for discounts and points. He stated my rewards card information needs to be updated. They instead ran my credit. I noticed 2 inquiries once I got home. I received credit alerts from my app.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : XXXX. XXXX Account Number : XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint # XXXX against Experian on XX/XX/XXXX for failing to investigate the dispute filed on XX/XX/XXXX against XXXX for inaccurately reporting the balance owed. <P/>On XX/XX/XXXX, I received an update to my credit report with no mention of an investigation against XXXX 's inaccuracy. <P/>On XX/XX/XXXX, I disputed the inaccurate balance reporting on my credit report again, from XXXX, through Experian. <P/>On XX/XX/XXXX, I received another update of my credit report stating that Experian performed an investigation, which they did not, and that the XXXX account has been updated but if this were true, the account also would 've been updated as " paid in full ''. The balance due remains inaccurate as well as the accounts status. <P/>Experian not only failed to initiate an investigation but then took it upon themselves to " update '' my file inaccurately once again. XXXX had reported a misstated balance of {$550.00} which was a violation of the FCRA, thus the item should 've been deleted upon the initial dispute, from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX and Transunion are violating my consumer rights as well as personal data is not safeguarded by these two bureaus, they are allowing a collection agency that bought a debt from XXXX  that, I never had, as well XXXX and TransUnion to validate this debt, they received 1 statement well over 45 days ago, after not received competent evidence that I ( XXXX XXXX ) handsome contractual obligation of any kind about the trade line, I have another30 days the 45 days that was notaries and sent certified mail to the bureaus and the so-called collection company ( XXXX XXXX  ) acct # XXXX in XX/XX/2022 to now. Nothing has been produced. I have also explained that my data is being sold and that can't get a police report without a contract and a copy of # id and signature to report identity theft.
Product: Debt collection

On XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 I received phones calls about an attempt to collect an alleged debt. I have asked them to stop calling.
Product: Payday loan

I obtained the loan for {$5000.00} on XXXX XXXX XXXX. They added a {$75.00} fee to the total of the loan resulting in financing {$5000.00}. I paid {$250.00}. Monthly for 12 months ( {$3000.00} ) on or about XXXX XXXX XXXX I paid the loan off at approximately {$5000.00}. As it turns out this was a 120 month loan. Had I taken it to term I would 've paid {$30000.00} total to borrow {$5000.00}. 
Long story short .... I paid {$3000.00} in payments, my total payoff on the loan was more than I borrowed.
Product: Debt collection

I was contacted by IC System ( Debt Collector ) about a {$40.00} debt that was owed to a Cable provider ( XXXX ). They had the wrong address on file and had an incomplete last name and wrongly spelled first name on file. They said I owed a debt from XX/XX/XXXX but said the actual amount was for equipment in XX/XX/XXXX. I did not use any cable equipment in XX/XX/XXXX. I contacted my cable company ( XXXX ) and they said they do not see any outstanding charges under my name. I believe this may be someone else 's debt because the address was wrong and the spelling was off. I am worried about my credit score and will be taking appropriate steps to contest this charge. I do not understand why I am being notified about a debt date marked as XX/XX/XXXX but it references XX/XX/XXXX equipment. Account number referenced was XXXX
Product: Debt collection

I received a letter from XXXX re : XXXX XXXX who is an adult. I called them and told them that I was not responsible for this debt. They opened a dispute with the medical center, more than 60 days again and it has not been resolved. ( XXXXXXXX Medical Center ). In addition, they have continued to try to collect the debt from me. I have advised them again today that it is not my debt and they have not provided proof or resolved my complaint and should not be sending me any correspondence about this debt. In addition, they are violating HIPAA as they have disclosed a date of service and location of services of an adult patient.
Product: Checking or savings account

On XX/XX/XXXX, I deposited two checks from the XXXX XXXX and XXXX XXXX ( XXXX ). They were rather extensive checks, totaling almost {$100000.00}. Almost immediately, USAA shut down my account, accused me of fraud, and said they were " terminating services '' with me. After three weeks with no access to my money, they unfroze my account and decided to keep doing business with me w/o stating that. I inquired about the two checks I deposited and was told they were " returned to their maker. '' XXXX said they would not reissue the checks until they received the two original reviews, which they have not. I have called USAA multiple times, specifically XXXX at XXXX, ext. XXXX, who had been updating me regarding the status of my accounts that they froze and who is the one that informed me that the checks had been " returned to their maker, '' but she no longer returns my calls. I would have gone to the bank in person to deposit the checks, but USAA no longer offers an in-person bank to do so, only to deposit through an ATM or a mobile app. USAA messed up my finances by closing my accounts for three weeks, and now they have lost {$100000.00} of my money and are absolving themselves of any responsibility. The checks were last in their possession. They need to take responsibility for their actions, find the checks they falsely deemed as fraud, and ENSURE that they get back to XXXX so I can receive reissued checks and deposit them into my new account with a different bank. Essentially, USAA has lost {$100000.00} of my money and is not taking any responsibility for it.
Product: Credit card or prepaid card

I am LIVID!! I called in by phone this morning on XX/XX/2018 around XXXX XXXX  to make a payment on my credit card using my DEBIT card. When I called and was attempting to get though the prompts it automatically routed me to an agent. When the agent answered I informed him I was just trying to make a payment and wasn't sure exactly why the system routed me to him but I didn't request an actual agent. The agent proceeded to tell me that I needed to verify potentially fraudulent activity ( a {$2.00} charge from 6 months ago! ) or my account would be locked. I told him I was driving and that I make lots of charges using this card and it would be impossible to remember that without viewing my records/ account. I requested a supervisor assist with the call because the agent was rude and talked over me the entire call! He stated he'd get a sup and NEVER returned after nearly 20 minutes of holding! I ended up hanging up and calling back to make a payment to the card on the automated system w/ my DEBIT CARD ( which per your policy is available immediately when made via a DEBIT CARD ) But due to the negligence of your staff my funds were NOT made available immediately and held vindictively!! I called and spoke with several agents and supervisors, I answered the questions regarding the charge and still my payment of {$220.00} was held for no VALID reason!! I missed my car reservation because your agent sabotaged my account and refused to release the funds!! I was embarrassed as my transaction declined after being assured by your sarcastic supervisor, XXXX that my account was in GOOD standing AFTER I answered her questions regarding a " supposedly fraudulent transaction!! '' If this was such a BIG issue WHY wait until I call to make a payment to discuss this??? I should have received a letter, text, email or phone call with questions, BUT I never received ANYTHING informing me there was a potential issue!! My payment should not have been HELD today!! There was NO reason to hold my funds, only that your staff ( the 1st agent I spoke with and potentially XXXX ) blocked the transaction from being available immediately in an effort to be spiteful!! Why was I not informed there was an issue prior to me calling in making a payment while in an emergency situation!!!! This is ridiculous and something needs to be done! I have filed a complaint on this company before for NOT advising me of sensitive information regarding my account properly, when needed and I see that hasn't helped!! My funds are still NOT available AND IT XXXX EST!!
Product: Student loan

I have federal student loans that are currently serviced through Nelnet. I'm under a standard repayment plan. I used their system to set up an autopayment. Based on their dashboard, my auto-payment should be {$610.00} a month that comes out on the 3rd of every month. For the last two months, with no notification, Nelnet has debited my account for an additional {$430.00} on the XXXX of the month even though there is nowhere on my account that says this amount is also due. I've tried to call and have never gotten through and have sent them two separate emails about the extra payment that is being taken out of my bank account. I think Nelnet is either incorrectly taking out additional money or they are not being transparent on what the monthly payment should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX  Account : 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

To Whom It May Concern : REF : Intent to file suit : violation of the FCRA and the FDCPA I have sent XXXX previous letters to you, all via the CFPB portal to ensure proper delivery ( see all previous complaints filed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this accounts information is invalidated and that you violated the Fair Debt Collections Practices Act by ignoring my requests to investigate this account. My previous letters all sent via the CFPB portal stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County District Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and the FDCPA and intend to pursue them to the maximum. 


CREDENCE RESOURCES : PLEASE BE ADVISED THAT I WILL NOW ONLY ALLOW YOU 3 BUSINESS DAYS FROM THE DATE OF YOUR RECEIPT TO REMOVE THIS INVALIDATED ACCOUNTS INFORMATION FROM MY PERSONAL CREDIT REPORTS! IN THE EVENT OF CONTINUED NON COMPLIANCE WITH THE LAWS SET FORTH, YOU WILL LEAVE ME NO OTHER ALTERNATIVE BUT TO FILE MY LAW SUIT AGAINST YOU FOR CONTINUING TO KNOWINGLY AND DIRECTLY VIOLATE THE LAWS! 

I AM NOW ALLOWING YOU 1 MORE OPPORTUNITY TO REMOVE THIS ILLEGALLY ACCOUNTS INFORMATION FROM ALL XXXX OF MY PERSONAL CREDIT REPORTS ( XXXX, XXXX, AND XXXX ) I anticipate your response. 



Sincerely, XXXX
Product: Debt collection

I received a collection on my credit report and called the collection agency as well as the Power company and reported this as Identity Theft. I want this removed from my credit report and they should not contact me for this bill of {$580.00} for XXXXXXXX XXXX XXXX 

I called the XXXX XXXX XXXX XXXX XXXX XXXX and reported the account as fraud and I am still waiting on a return call. 

I have also filed ID theft with the Federal Trade Commission on XXXX 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was in a total loss XX/XX/2023. I starters insurance claims right away. XXXX made my insurance payment XX/XX/XXXX. The account showed current and no pmts due. The next day it showed past due. Several times I called and checked the site/company and was instructed I was in good standing. 

1. When asking for a supervisor I was told they had no way to get in touch with one in total loss dept. 
2. I confirmed with XXXX  XX/XX/XXXX that the payment had arrived. 
3. Ally told me to allow XXXX business days to post it? If they had it why was there a delay in posting? 
4. I asked for a deferment to help during this time. The rep told me they can not do anything during a claim. 

I am concerned my perfect pay history may have been inaccurately reported. I also believe that the payment was posted non advance the. Re posted normal. That left me past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted multiple investigation requests to verify and validate this debt with XXXX XXXX as well as all 3 credit bureaus and they say they completed and investigation and it is verified ... .how can they have conducted a full investigation if they are reporting inconsistent across all 3 bureaus? they didnt and that is a major violation of my rights..they are ruining my credit with the reporting of this inaccurate account,,, ,i am attaching a snip of my 3 bureau report ... ..there are too many to point out but look at thhe snip ... look at the 2 year history, this account has been re-aged, they are reporting a credit limit on a charged off account, the high credit is inconsistent, etc .... i need this removed immediately due to the lack of a proper investigation with all 4 parties i disputed to
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from XXXX XXXX XXXX XXXX did not apply for credit, disputed with XXXX and removed from my report. 
Received a call from XXXX about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. 
Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXX did not request a new line of credit -I called chase and they listed this as fraud., XXXX did not see this on my report. 
Hard inquiry from Bank of America- I did not request a credit card from them. 

I have placed a credit freeze with all XXXX credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. 

*i did open XXXX XXXX with XXXX XXXXThat is the only recent credit line that i applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The List of Accounts below has Violated my Federally protected consumer rights to Privacy and Confidentiality under 15 U.S.C. 1681. 

Account Name : Account Number : XXXX XXXX  ( XXXX XXXX ) XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Date : XX/XX/2022 XXXX U.S.C. 1681 Section 602 A. Staets I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also States a conusmer reporting agency Can not Furnish a Account without my Written Instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section Sates : 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 then seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) : A person shall not Furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Student loan

I had my loans with XXXX previously however, after applying for PSLF, my loans were transferred to Mohela. I have called countless times and been placed on hold for hours at a time. When I finally reach someone, I am provided a new number to call for the correct department and again wait on hold for hours. My loan amounts continue to climb despite making monthly payments. Not to mention, my entire payment amount is going directly to the interest and none towards principle. I have also been trying to understand why I worked in XXXX for a non profit organization while making payments for 10 years and my payments are not being counted towards the PSLF nor have any of my loans been forgiven. If you are able to provide any insight, I would greatly appreciate it.
Product: Debt collection

This company is reporting this incorrect debt under two different company names using same address out of XXXX fl. XXXX XXXX and XXXX XXXX. They are also reporting the account is less than a year old under XXXX XXXX  and 3 years old under XXXX XXXX. The original account was with XXXX more than 15 yrs ago when XXXX  bought XXXX. The account has been closed more than 7yrs because of charges by XXXX that were incorrect which lead to the termination of relationship with XXXX.
Product: Bank account or service

they closed my account because im XXXX which a federal lawsuit is being prepared and about to be filed against them but they have no sent me my money there holding my money and wont tell me when there sending my money
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.