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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
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 USC 1681. 
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 a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section state : 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 conviction 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 customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

I applied for a sublet to an apartment in XXXX XXXX. After applying, we were approved for the apartment and told we must submit the first month 's rent within XXXX hours. At that time we used Wise to send {$2500.00} on XX/XX/year>. On XX/XX/XXXX we were asked to submit a security deposit of {$960.00}. Which was completed and sent through Wise on XX/XX/year>. Shortly after this, the original tenant on the lease started asking my fianc for money. We became suspicious and reached back out multiple times to management about our move-in process. After a follow-up email on XX/XX/year> they replied " The building burnt. '' The scammer has now blocked us from contacting him. We have submitted claims with the bank, the FTC and now CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card with a XXXX  limit is not being reported by Equifax. As I have not missed any payments on this account their refusal to report this account is adversely affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries appearing on my credit report this morning without any explanation. I checked my report as usual, but this time there were discrepancies that I can't explain. After refreshing the browser multiple times to ensure it wasnt a glitch, the problem persisted. I'm really upset and demand immediate action on the documents I sent to prevent this from happening again.
Product: Checking or savings account

i made a cash deposit on XXXX they not only not credited my account they deducted it it from my account as a check so they owe me my deposit and the debit they took so they owe me XXXX deposit plus the debit of XXXX out of my account
Product: Student loan

I obtained a loan from XXXX XXXX ( later Navient ) while attending my XXXX university in XX/XX/XXXX. As an aside, it was reported that the university received kickbacks for me being pushed towards this loan service company. I later enrolled in XXXX in XX/XX/XXXX. As a full-time student, my loan was automatically put into deferment. In XX/XX/XXXX, I was notified that a payment was late. I was billed, with less than 30 days notice, for a full repayment payment. I called and spoke to customer service multiple times, and was told that my loan was taken out of deferment each winter break and every summer break ( for my XXXX year period as a full-time XXXX ) because " I was not taking classes during the break periods. '' As a result, my interest capitalized a total of XXXX times from the time I enrolled in XXXX until the time I graduated XXXX years later ( XX/XX/XXXX-XX/XX/XXXX ). Instead, since I was in deferment as a full-time student, interest should have been capitalized only once upon my graduation in XX/XX/XXXX. This unreasonable service of the loan is in complete conflict with the concept of full-time student deferment. No other loans I held during this period ever capitalized interest ( XXXX, XXXX, XXXX and XXXX ). Aside from the issue of wrongfully capitalized interest and forced payment with a late fee, XXXX and Navient have also failed and refused to provide me with a proper interest statement for tax filing. I have requested such documents and have not once received the proper paperwork. Rather, I have received notices stating " although you may have paid interest in XXXX [ insert any year until XX/XX/XXXX ] the interest is ineligible for a tax deduction. '' As a result of claiming the interest on my tax returns, I have recently received correspondence from the IRS. I was required to compile paperwork and provide supporting documents, since I am still told I am not able to obtain a tax statement from Navient, to provide to the IRS. This wrongful conduct by Navient has now resulted in delays in obtaining this years tax returns, as I am being audited for taken deductions from Navient. I have called and attempted to work with Navient to obtain information and to prevent the capitalization of interest on my loan throughout this time, but no relief or proper response was ever received. I am seeking to hold Navient accountable for the wrongful interest amounts charged, and the cost of legal assistance to respond properly to the IRS for Navient 's failure and refusal to provide the necessary tax documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX  XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian, XXXX  or XXXX, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX XXXX, Experian and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Consumer Loan

When I got this loan in XXXX it was promised by both the bank and dealer that if I made payments on this vehicle for twelve months they would then lower the interest rate on this vehicle loan. This never happened. It is now XXXX and the rate is still excessively high and does not qualify for refinancing. This bank is very misleading and I can not wait to get rid of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$15000.00}
Product: Mortgage

Reference to the Wells Fargo correspondence letter, Subject : Resolution to inquires received for account number XXXX, dated XX/XX/XXXX, received in response to CFPB complaint # XXXX. 

In Wells Fargos stated commitment to making sure we have the documents we need to resolve our issue, we are requesting a correction to the Wells Fargo letter noted in the above paragraph. 

Original Wells Fargo letter stated incorrectly that the XXXX XXXX XXXX ( XXXX ), a FDIC financial institution acquired by Wells Fargo, paid off lien originated by XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, for which the Deed of Trust currently is unreleased and blocked the sale of our property causing over {$2000.00} in financial damages. 

In response to our request for additional documents that supported the Wells Fargo research showing payoff of original XXXX XXXX in the form of a Payoff Letter, HUD-1, or any other documents showing amount, account number, and date, we were assigned a new Executive Resolution Specialist XXXX XXXX XXXX. 

In working with XXXX XXXX we brought forth the issue that XXXX was not listed in the chain of title deed on record and provided faxed documents to substantiate the issue from the County Clerk Circuit Court chain of deed title history along with a Certificate of Satisfaction showing the original XXXX XXXX was paid off by XXXX XXXX XXXX in XX/XX/XXXX and consecutively then assigned to XXXX XXXX  XXXX XXXX, in XX/XX/XXXX, which was then subsequently was acquired by Wells Fargo. 

XXXX XXXX upon further research was then able to provide the XXXX XXXX XX/XX/XXXX HUD-1 Settlement Statement showing payoff of the XXXX XX/XX/XXXX dated XX/XX/XXXX, from the Wells Fargo archive records.
Product: Credit reporting

Frequently, when I try to get my free annual report from AnnualCreditReport.com, I get a message saying that there was a problem and they can not process my request. The message always points me to the mail form, sure, but that 's not why I go to the website. 
Specifically, I have records indicating that Experian has not been able to give me an online credit report each XXXX in XXXX, XXXX, XXXX, and again this year ( XXXX ). But it has happened with all XXXX credit reporting agencies. 
It is unacceptable that I have to jump through this hoop year after year. It 's almost as though they 're hoping I 'll stop asking for it if they make it hard.
Product: Debt collection

Received letter to on XXXX to collect a student loan that is being collect by Navient and or Dept. of Education. And XXXX who I have not received any letter of my complaint XXXX. Navient nor Dept. of Education has contacted me on any changes. 
I do not agree with amount owe per any of these companies who failed to provide proof of legal identity. US Dept of Education and Navient indicated no payment until after XX/XX/21 signed by President Trump. These company are harassing me. Until I get official notification from Navient and US Dept of Education, I assume this is fraud.
Product: Bank account or service

My debit card was used fraudently. Over {$380.00} was used at a local XXXX. 
I called them and reported the activity. CSR filled out a fraud report. 
They mailed me out another debit card. Then blocked the debit card saying the fraud report was bogus. They also would not let me close the checking account. 
They refuse to remove from my credit report saying the dispute is too old. I should just just pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/2022 to Equifax, XXXX and XXXX detailing the furnishing of inaccurate information listed on my credit report ; including an incorrect address, accounts more than 7 years old, and unverified accounts. 

My letter further explains how I reached out to each creditor listed on my report and requested within 30 days of receiving my letter they verify, through documentation that I am responsible for the accounts they are falsely reporting. As of XX/XX/2022 I have not received any verification from any creditor. 

The letter request that these items be investigated and removed, as of today 's date XX/XX/2022 no action has been taken in regards to updating my credit report by any of these reporting agencies.
Product: Credit card

I had a Citi Advantage Platinum Select World Elite Mastercard. I closed the account early last fall. I cancelled a vacation and XXXX provided a refund. I didn't realize the refund was going to this closed account. I logged into my closed account to see that I had XXXX refunds from XXXX XXXX, XX/XX/XXXX, & XXXX. When I realized this had happened I contacted Citibank and they assured me that they would transfer the money to the checking account from which I had paid my credit card bills. They said this would take 3-5 business days. I did not receive the money so called back on Monday XX/XX/XXXX. I spoke with someone who said the refund had been approved but because of the holiday on the XXXX, I would receive the money on XX/XX/XXXX. I did not receive the money on XX/XX/XXXX so I called again on XX/XX/XXXX. At that time, I was told that the refund had not been approved so they would need 3-5 business days to approve it and then 3-5 business days to transfer the money if the refund was approved. I asked to speak to a supervisor and explained to her what had happened. She was professional but couldn't help. I asked to speak to her supervisor -- she said her supervisor would call me back within 24-48 hours. This did not happen. I just logged into my account again and saw that I now also have a refund from XXXX to this card. I had requested that XXXX send the refund by check. I just called XXXX and they said that now that the refund has been processed, there is nothing they can do. Currently, I am owed {$8300.00} by Citibank. They have had the majority of these funds since XX/XX/XXXX. I really need access to this money and they have not done any of the things they said they would do. I would greatly appreciate assistance. Thank-you.
Product: Checking or savings account

Starting on XX/XX/XXXX, my purse was stolen along will all my bank account information ( checks, credit cards for me and my husband 's wallet, and bank cards ) when I reported the fraud I was not told that I should have closed all the accounts and that by shutting down the cards was what I needed to do. So as the fraud charges were coming in I was reporting them as new fraud instead of part of the initial fraus case. Then I spoke to a supervisor who called me regarding all the open cases, and she said that I was misinformed and should have closed the accounts. When I opened the new account it was only one of them, because I get direct deposit we left it opened so the fraud credits would be returned and my direct deposit was going to be redirected to the new one. However, the old account was going to be left open so everything would be resolved and if something happened and I owed money I would be able to pay when I got my big check in XX/XX/XXXX on or before XX/XX/XXXX. Somehow the acct got closed and sent to collections. On XX/XX/XXXX Chase transferred {$130.00} or {$130.00} to the closed acct without notifying me and besides that there was already a verbal agreement for payment should there be one needed. Now today I went to transfer money from my savings account which had XXXX in it to my acct ending XXXX which because XXXX   XXXX XXXX took {$150.00} instead of {$110.00}, making it overdrawn. I have not had a chance to call them yet. I have I guess now lost my accounts with chase ( today ) but must have the {$50.00} in the savings acct and the transfer that should have never taken place today. We live on a budget, Chase made these mistakes I should NOT have to pay for them!! 
You guys have treated me terribly since the start of this!! 
Contact me immediately please XXXX XXXX XXXX
Product: Debt collection

TRANSUNION REPORT I'm a victim of a Identity theft. Someone opened up accounts in my name, various. bank accounts, credit cards. I have enquiries I know nothing about it wasnt me. I have no idea where they came from. I have so many addresses and phone numbers and state places of employment, which are all false. I only have XXXX address and XXXX phone number and XXXX place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  : XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX Experian : XXXX  XXXX XX/XX/20.
Product: Debt collection

I have contacted Amsher Collection Services 3 times for debt validation with tracking number. They only send me a copy of some bank statement with someone with the same name. They never validate the debt to the law of FDCPA and FCRA. They are furnishing inaccurate information. I have disputed the debt numerous times with XXXX which always comes back verified. XXXX and XXXX deleted the records.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 2 items total XXXX from XXXX XXXX. A few days later I was told I couldn't get one of the items because it had been discontinued.I was informed I was getting a refunded XXXX. They told me it would go back on the card. It showing that I was issued a refunded however, the credit card company is charging me for interest and promotional purchases fees that's was not explained to me when they changed over from XXXX XXXX to Synchrony XXXX. I  made a purchased that was not on a promotional sale but I am being charged for the promotional fees and interest on that purchased that I got a refund for. The credit card company is charging interest on XXXX when the purchase was only XXXX and they are charging me fees for a promotional charge that when i purchased the item it was the original price no promotional price was given, actually the salesman said it wasn't on a promotional. I have called them and they told me nothing could be done. I have never miss a payment.
Product: Debt collection

The problem is excessive phone calls from a debt collector. 

XX/XX/XXXX I was contacted by XXXX XXXX, XXXX concerning an outstanding loan from XXXX. The loan balance now is {$1500.00}. I started making payments of {$30.00} a month XX/XX/XXXX. I was in formed by XXXX that if my payments were not secure tbey have the right to call me either everyday or every month. I declined the offer. 

Each month I was asked for permission to access my account and I would decline. In XX/XX/XXXX I made my payment and was asked again. I declined. XX/XX/XXXX i started receiving calls from XXXX when the phone would ring 1, 2, 3 times and the party would hang up. Below is the list of dates and times of calls : XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XXXX. XXXX, XXXX pm XXXX. XXXX XXXX pm XX/XX/XXXX, XXXX pm XXXX. XXXX, XXXX XXXX pm On XX/XX/XXXX, i called XXXX about the calls and a male introduced himself as a manager. I told him the problem and he repeated that they have the right to call me because my loan is not secure. I then asked if it was part if their policy to let the phone ring and hangup. I then hung up. 

I understand their having the right to call but it is harassing to call the way they are calling.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. This item is inaccurate or incomplete. 
Please investigate these issues as quickly as possible because they are having an adverse effect on my financial situation and has caused me XXXX XXXX in other areas as well. 
Kindly remove or correct the information : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I recently received a copy of my credit report after calling numerous times and see that you are reporting inaccurate information on the personal information section of my credit report. The Fair Credit Reporting Act states that you must report with " Maximum Possible Accuracy ''. To diminish any speculation my information is as follows : Legal name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please remove any other references to my name and address as they are not mine and I have never used them. Also please send copy of my credit report after these changes have been made. 

Best Regards, XXXX XXXX XXXX XXXX