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

I have been disputing the same items off my credit report for the past year almost every single month and Experian refuses to verify and validate the information on my credit report. I have submitted disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing the same inaccurate items off my credit report. I have demanded a reinvestigation into all these items and Experian refuses to do such coming back and saying that the items are " verified ''. Well how are they verified? when XXXX XXXX, XXXX XXXX, XXXX, and other third party agencies are frozen so how did Experian verify this info when they have refused to supply me with the evidence proving this as they are supposed to do per the law? A blanketed statement that can be typed up by anyone is not proof of verification or validation. As they are supposed to supply me with the original form of indebture bearing my written signature which they have not done so. Credit reporting agencies are also supposed to verify info with the original creditor and not inaccurate 3rd party agencies which Experian refuses to do so.
Product: Credit card or prepaid card

During the period of XX/XX/XXXX to early XX/XX/XXXX it was determined that I had become the victim of identity theft as someone was attempting to open a bank account using my information. Immediately I worked with Citi bank ( the only credit card company of which I had an active balance ) to review any outstanding charges. I also immediately demanded that my account assoiated with the then card endind in XXXX be terminated and a new card ending ending XXXX was issued to me. As part of this investigation I noticed an unrecognized amount of {$240.00} had been charged to my former CITI account ( ending XXXX ) on XX/XX/XXXX with a description of " XXXX '' from XXXX, FL. As of XX/XX/XXXX, I notified CITI bank that I had NOT made this purchase and that I was not at all aware of this Company. CITI then placed a " SECURITY CREDIT-ITEM UNDER INVESTIGATION '' credit on my new account for the {$240.00}. I have now received a letter from CITI dated XX/XX/XXXX stating the merchant provided them with my address as proof of purchase and, therefore, they threaten to re-charge this amount to my account. However, there has been no such purchase made, the entity/merchant name provided does not exist online nor on record search. I have also made sveral requests to receive an invoice copy of this purchase/charge to no avail as I have not received a response from CITI regarding my several requests. Obviously, I do not believe there is an invoice copy to send to me as I have not made a purchase with this merchant. A invoice ( proof of item purchase ) is demanded for payment to be considered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.
Product: Checking or savings account

Opened account online XX/XX/2022 with {$25.00}. 

Don't have access to funds nor know the status of the account. I am not able to withdraw the {$25.00} in person, nor via debit card, nor able to login to online bank account. 

I'm also not allowed to close the account.
Product: Debt collection

On XXXX XXXX, XXXX, I received a letter from the XXXX XXXX D. Scott Carruthers, stating I owe a balance of {$16000.00} for an original debt of {$2100.00}. In the letter they also state that once they verify my place of employment, then they will begin the lawsuit. I have written the collection agency that this law office is representing on several occasions requesting proof of the debt. I have never gotten any response from them. The last letter I sent to them was dated XXXX/XXXX/XXXX where after doing some research of my own and contacting my states attorney general, I found out that the Statute of Limitations had expired.I sent them that letter explaining my findings and still have yet to get a response from them. And now 1 year and 3 months later I get a letter stating that I will be sued. 
Update XXXX : I have since tried to resolve this matter by going to court but ultimately settled and am now paying {$50.00} a month on a debt that I do not owe. I am a victim of identity theft and this loan was taken out in my name without my knowledge by my former boyfriend who I was abused by. I feel that since we lived together at the time and he had access to all of my personal information, that he took out the loan without my knowledge or consent. I provided this information to the lawyer that contacted me including police reports, and an identity theft letter ( notarized ) and copies of previous restraining orders to prove the abuse that I was subjected to. A deposition was done as well, and I told them the same thing. But they continued to state that I owe the debt. Although I am currently paying ( out of frustration, and fear of them finding my abusive ex and them giving him any information to where he can find me-he has threatened to kill me on several different occasions ) is there anything else that I can do? I do not want to pay for a debt that I do not owe! I originally filed a complaint back in XXXX and am still working to resolve this matter. Here is the Case number : XXXX ]
Product: Credit reporting or other personal consumer reports

Begin with some unauthorized charges on the credit card bill from Proportionately over whatever I would ever consider spending on what is already ridiculously high interest-rate, and manufactured and engineered to take advantage of people who are less in income architecture I believe to be predatory, and those charges are authorized, and therefore, after notifying them of it, the FCRA regulations as far as blocking negative information due to Attaching a FTC report and CFPB complaints since the bureaus seem to think they calling them and the companies think the same as a waste of time. Should be discouraged from misleading or discouraging folks from filing these type of documents and concentrate on doing better for America long term.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Prepaid card

On XXXX I made a transfer off my ReliaCard in the amount of {$100.00} through XXXX XXXX XXXX But instead of just one transfer of {$100.00} us bank relia card posted it twice to my account and essentially stole {$100.00} from me. They forced posted the authorization for the {$100.00} that XXXX XXXX XXXX authorized and finalized it instead of letting it drop off once the other authorization was finalized. They told me to contact XXXX to get this resolved. I did contact XXXX  and they have told me that they only sent XXXX authorization for the {$100.00} transfer and that its a bank issue if they forced posted it twice. All I know is I am now out of {$100.00} and I have bills to pay, which I am not happy about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having issues with Equifax. They are reporting my credit score XXXX points below XXXX and XXXX. I can't log on to the website to get my current score ( myequifax ) because it is down and has been down for several days. I called them to get information and all they could tell me is its not as low as reported but they could not tell me the score. They said keep trying the website but it has been down for almost a week. I can't see my score or file any disputes because they have me locked out. They are holding my credit ransom and there is nothing I can do about it. This has to be criminial!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX and TransUnion Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is in reference to CFPB complaint # XXXX XXXX XXXX XXXX stayed the accounts were closed a referred back to Pendrick Capital Partners. Due to their history of unethical practices, which is public information I feel it necessary to submit this complaint. I demand that the accounts listed in the referenced complaint be removed. ( 3 amounts/being charged- ( {$58.00}, {$910.00}, {$1100.00} All supposedly related to XXXX XXXX XXXX  ). I have never heard of this company and never visited them. The exact same amount has also been attempted to be collected under a different company names- XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

there are 2 fraud accounts on my credit report i never opened these account collection refuses to provide me contracts XXXX XXXXXXXX XXXX {$7300.00} XXXX XXXX XXXX {$3000.00}
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX  XXXX Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX XXXX, a part of XXXX Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX XXXX  is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Debt collection

On XX/XX/year>, Fair Collections and XXXX XXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX FL and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Product: Checking or savings account

I WAS A VICTIM OF IDENTITY THEFT SOMEONE OPEN A BANK ACCOUNT WITHOUT MY CONSENT. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX to report a dispute with the balance on my ALLY Financial Account stating that the balance was incorrect by several thousand dollars. I submitted a dispute online as well on XX/XX/XXXX (  dispute ref # - XXXX ). I waited for this dispute to take place for several weeks.On XX/XX/XXXX I checked my account to make sure the issue was resolved as I started to apply for credit and was getting denied because my debt ratio was way over the limit. This issue got me upset and I checked to see what the problem was. I found out that XXXX duplicated my Ally Financial account using the same account number and all other information except added a different balance and now my installment Amount doubled from {$27000.00} to {$55000.00} SO, my credit score dropped drastically and now it looks like I am indebted with more vehicles and a duplicated balance. This infuriated me as now it has made me look as I have more debt than what I can handle which has cause a big burden on my credit and now it puts a stop to my life since I am trying to obtain credit to finish opening my business.I immediately called XXXX and brought this to their attention. Again, submitted another dispute by phone and online ( Ref # XXXX ) on XX/XX/XXXX I checked again and still, they have not removed the duplicated account. Again, I called but this time spoke to the Disputes Dept XXXX and explained to them the issue. They said to give them 5 days and they will fix the problem. Now, it 's been 4 months now and still, the issue has n't been resolved. I checked again on XX/XX/XXXX ( ref # XXXX ) and this time XXXX said these accounts were mine and I was responsible for the full balance and that they will not remove the second Ally account and that they had spoken to Ally and Ally said they are my accounts. Now, this is not true, as they lied to me.This is ridiculous! I now called Ally XX/XX/XXXX to see if they can help me with this problem and Ally said they sent them a letter saying I only have 1 account and gave them that info ( ref # XXXX ). I do n't know where to turn, I 've tried everything to get this issue fixed and XXXX will not cooperate. Please help me, this issue has put a STOP to my daily living as we use our credit for everything we do in life. It 's now 5 months and nothing has been resolved!
Product: Checking or savings account

AS OF TODAY IT IS 4 MONTHS SINCE A COMPANY GOT A BONUS OF XXXX OUT OF MY DEBIT CARD FOR A SERVICE/ CAR I DO NOT HAVE ANY POSSESSION OF AND NEVER WILL. PNC HAS DUG A HOLE AND IS NOT FOLLOWING THROUGH AND COLLECTING THE MONEY THAT IS OWED. 
IVE BEEN STUCK WITHOUT GAS DRVING XXXX TO XXXX. STUCK WITHOUT FOOD, AND MOST LATELY STUCK WITHOUT A CAR SINCE THEY ARE THE SLOWEST AND MOST IMPOSSIBLE BANK TO GET TO FOLLOW THEIR OWN POLICYS THEY OWE ME {$680.00} FOR A MYSTERY WITHDRAW THEY CAN NOT SHOW WAS DONE BY ME BUT MORE OR LESS THE BANK STOLE FROM MY ACCOUNT ENDING IN XXXX. ITS QUITE EASY TO SEE IT TRANSFERS TO ONE AND THEN NO WHERE ..... 

THEY ARE OWING ME XXXX FOR THE PRIVIOUSLY ISSUE AS WELLL TOTAL XXXX ATTACHED THE PROOF OF DEBT YOU OWE ME PERSONALLY AND THE 21 PAGES I HAD TO FAX SEVERAL TIMES FOR OTHER DEBT
Product: Checking or savings account

On XXXX XXXX @ approx XXXX I stopped at a drive up atm ( XXXX ) that was provided by USAA XXXX I did everything requested to withdraw {$300.00} the money slot never opened and the screen stated you did not take money in allotted time, but then printed a receipt like I received my funds. I sat there and called usaa and they directed me to call my bank which is XXXX XXXX XXXX XXXX I filed a dispute with them and the lady stated of this happens sometimes, they gave me a prospective credit on the XX/XX/XXXX I received a letter from by bank and it stated usaa showed that I benefited from the transaction when I never received anything so on XX/XX/XXXX they took {$300.00} back out of my account. There is a big camera above the atm and they refuse to check I've done 2 disputed with my bank with no resolution.
Product: Checking or savings account

My debit card ending in XXXX - was fraudulently used overseas to withdraw funds on 5 different occasions. Totally more than {$2400.00}. I filed a dispute with Navy Federal and the same day my claim was denied because they found no error due to my account activity? I believe my debit card was skimmed when I attempted to withdraw funds when I was in XXXX XXXX but the machine could not read my card and spat out my debit card. Now I am out more than XXXX $
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sent {$15000.00} wire Transfer to XXXX as part of a purchase of commercial property in XXXX. Navy Federal is my Bank here. The Money was immediately returned because the  XXXX Authorities needed additional information regarding the person receiving the money. Navy Federal sent the money again XX/XX/2019. However this time I needed to send {$15000.00} because of their delay the first time. To-date, the Money has not  arrived in XXXX and Navy Federal can not tell me where my money is or when it will be returned to me. They have completely breached their fiduciary duty and handled this situation in a negligent and irresponsible manner. Navy Federal claims that they made the wire transfer using XXXX XXXX XXXX. I just know Navy Federal was responsible to handle my money in a responsible manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Equifax to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon as possible : 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: Student loan

On XX/XX/2021 around XXXX XXXX., a Navient Advocate called. This is in regards to a prior Consumer Financial Protection Bureau complaint made on XX/XX/2021 around XXXX XXXX. This is reference number XXXX. I spoke to a male Navient Rep several days prior and the man said " IT TAKES 15-20 DAYS FOR AN IBR REQUEST TO BE RECEIVED BY NAVIENT. '' On XX/XX/2021, the Navient Advocate DENIED full acknowledgment of a document called IBR_Validations.JPG was sent to her through my complaint. I stated, " you received a document that validates that I indeed and in fact, filled out AN APPLICATION for the IBR. My complaint is because the Navient Advocate DIDN'T EVEN LOOK AT THE DOCUMENTS SENT TO HER. The Navient Advocate stated, " There may be a document in my pile for that, but I didn't look at it. '' The Navient Advocate continues to state, " It doesn't matter, I didn't get the form. '' I told her to call me back when she can speak the truth. If I didn't fill out an IBR request form, why would I be on the https : studentaid.gov/app/repayment.action website page? How would I get an image snapshot to provide to the Consumer Financial Protection Burea if I didn't fill out the form? My complaint is that the Navient Advocate didn't even look at the provided documents and take my complaint seriously. She wouldn't accept or acknowledge that I did and indeed and in fact, fill out the IRB request form on the student.gov website application page.
Product: Credit reporting or other personal consumer reports

This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXX XXXX  directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX  violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXX  violates this requirement. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX  constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX  correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.