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

I am a victim of identity theft. I requested to the three major credit bureaus ( Equifax, XXXX  and XXXX   ) to block unauthorized charges from credit report under FCRA 605B. I sent letters to the three agencies with a copy of my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. XXXX   and XXXX successfully blocked all unauthorized charges from my credit report as directed by section 605B of the Fair Credit Reporting Act. Both of the agencies placed an extended fraud alert on my credit file. But Equifax was unable to locate my credit file. Then they asked for two documents : one to verity identification and the other one to verify my current address. I sent to them a copy of my social security card to verify my identity and a copy of my drivers license to verify my address. Again, they were unable to locate my credit file with the documents that I provided. They kept sending letters asking for the same two documents. I sent to them in four different times the documents they requested : a copy of my social security card and a copy of my drivers license. Also, I sent to Equifax a copy of a police report and the ignored me. Im frustrated because I did not had any type of problems to clean my credit report with XXXX  and XXXX. I want to clean my credit file and place an extended fraud alert just like XXXX and XXXX   did. Here I attach a copy of the police report, copy of the Federal Trade Commission Identity Theft Report and copy of the four letters that Equifax sent to me.
Product: Mortgage

Our home loan was sold to Flagstar Bank in XX/XX/2020, with a new payment due XX/XX/XXXX. 
Having recieved short notice, I made our payment by paper check, though the mail. The payment was processed with out issue. 
For XXXX 's payment, I proceeded to set up an online account through their portal, XXXX. I attempted to pay for XXXX, only to discover, about 10 days later, the payment had been reversed. I did this with the same checking account that the first payment was drawn from. Thinking there was an error, I called to see what the problem was, and was told Flagstar was " unable to find '' our bank. I reentered routing and checking numbers and tried again. This payment was also reversed. Each attempt at payment and the reversal take an excessive 5-8 days. I called again, issued a paper check by mail and the payment was eventually withdrawn. 
My husband attempted to straighten out our online account for XXXX. He was on the phone with a representative for 30 minutes. They reentered the banking information together on the phone. We were told that the routing number correctly identified our bank, and that the account numbe was accepted. Much to our dismay, this payment has also been reversed. I once again mailed a check on XX/XX/XXXX. Today is XX/XX/XXXX and it still has not cleared. 
Yesterday, I recieved a letter from Flagstar stating that because of our history of failed payments, they will no longer take payment from us in any form other than a cashiers check or wire transfer. 
This company is treating us as if we are indigent, when it is their payment system that will not allow us to pay. I would love nothing more than for them to take our money, which we have in ample supply. 
I am not optimistic that filing this complaint will help us any time soon, but this company requires some attention for their incompetence.
Product: Consumer Loan

We are currently 24 days past the due date of XXXX/XXXX/2016 on our auto loan. In the life of the loan, we have been late but have never been more than 30 days late. This morning I have received phone calls at XXXX XXXX., XXXX XXXX. and XXXX XXXX - all of which have been while I 'm at work. This does n't include any calls that were possibly made to my husband 's phone as well. When I mentioned on the third call the amount of calls and this being harassment, I was informed they could call up to 5 times a day between XXXX XXXX. and XXXX XXXX We understand we are late on the payment and are incurring late fees, but we take full responsibility for that and will get it paid before it hits 30 days past the due date. We just want the amount of calls to be lessened.
Product: Bank account or service

M & T BANK PUT MY TAX MONEY IN SOME ONE ELSES ACCOUNT AND SAID THAY CAN NOT HELP ME THAY SAID THE IRS IS RESPONSIBLE AND THE IRS SAID THE BANK IS RESPONSIBLE I CAN NOT GET ANYTHING FROM XXXX XXXX IN WRITING I ONLY PUT XXXX DIDGITS ON MY TAX RETURN FOR MY ACCOUNT # BUT IT WENT INTO ANOTHER ACCOUNT PER LADY AT THE BANK AND THAY CAN NOT GET IT BACK SO I AM JUST OUT OF LUCK AND OUT OF {$1300.00} THE BANK WONT EVEN CONTACT THE PERSON WHO 'S ACCOUNT IT WENT INTO. OR HELP ME IN ANY WAY TO GET THE MONEY BACK EVEN THOUGH THE ACCOUNT DID NOT HAVE MY NAME ON IT OR XXXX # ON IT AND ONLY XXXX NUMBERS FOR AN ACCOUNT # WHO HAS ONLY XXXX NUMBERS FOR AN ACCOUNT # NO ONE THAT I HAVE ASKED HAS ONLY XXXX NUMBERS FOR AN ACCOUNT #.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Former : 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 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, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute with supporting documentation ( see attached ) Equifax to update the payment status of XXXX Loan # XXXX from 120 past due to current and paid in full. On XX/XX/2021 Equifax published dispute results verifying that the account was 120 past due ( see attached ). I have submitted this information several times proving Equifax is knowingly reporting false information and asking that it be corrected and the company has continued to refuse to forward my disputes or correct the status of this account. This constitutes a violation of the rights afforded to me under the FCRA.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian on XX/XX/2024 to open a dispute for the XXXX XXXX Account ending in XXXX because the account is reporting inaccurate data so Experian is in violation of the the law according to the FCRA ( Fair Credit Reporting Act ). No dispute has been started. They have not sent any proof of the account being verified or proof on how they were able to verify the account to be reporting accurately. They are clearly recording a violation of the FCRA. Along with the letter, I have sent a legible copy of an identification affidavit, drivers license ( front and back ), social security card copy, and a utility bill for proof and verification of myself. No credit repair company is involved, all documents have been sent from me, XXXX XXXX to the credit bureau. 

The tracking number for the dispute letter/document is XXXX and was sent via XXXX certified mail. The documents have been received at Experian 's address of XXXX XXXX XXXX XXXX XXXX CA XXXX on XX/XX/2024. The following link to access the tracking number for the documents sent to Experian is a followed. XXXX XXXX XXXX XXXX # Along with this CFPB complaint against Experian, I have attached all documents with the XXXX XXXX number to XXXX the documents being sent to Experian.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  Score dropped 48 points over night without any changes I initiated to my credit file. 

Upon receiving the notification about my score drop from my free credit score apps, I immediately filed a dispute. This was XX/XX/2020. I also contacted XXXX  directly via phone immediately after filing my dispute because I was unable to upload supporting documents on their website. A representative informed me I had to fax any information to update my credit file. I then faxed over an official statement from my lender stating the status of the closed account. I promptly faxed them the document with a cover letter that included my dispute number. I also included a letter of intent stating this reporting error caused me financial hardship and that I was filing a written complaint. I received an email on XX/XX/XXXX that my REINVESTIGATION has started from an non-reply email. When did the original investigation take place? What was the result? Was my complaint received? No email to respond to about my issue. On XX/XX/XXXX, I received a notification from my free credit reporting apps that my name had been updated, seemingly for no reason or purpose. Its now XX/XX/2020 and I have not received any notification from XXXX regarding my initial dispute or an acknowledgment that I filed an official complaint with the company. During this time, my XXXX  credit score has not changed. Meanwhile, my XXXX  and XXXX  scores both increased because I have been working for years to repair my credit. 

XXXX not only failed to provide me notice of dispute within 30 days, they have not changed their error. Both of these matters are grounds for a lawsuit. I am trying to purchase a home and need my credit scores to be accurate for pre-approval. There has been no acknowledgement of wrongdoing or that I have filed a complaint from XXXX. I am emailing this message to the only email I can find for them hoping to get this issue solved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX It has come to my attention that negative items are being reported on my credit to Experian, XXXX, XXXX, and XXXX XXXX without my consent. Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Credit card

I received a notice dated XX/XX/year>, that action was needed on the credit card. I do not have a credit card ending in the number that was on the statement. I also received the bill in the mail around the same time stating that the payment was due XX/XX/year> and the account is past due. I called the credit card company and told them that I did not activate this card and I did not charge the {$10000.00} that is on the card. I had not idea that it was opened. It was also opened under my maiden name. I asked them to close the account and add that there is fraud on this account. I asked where was this charge made, they said on XXXX. I spoke to XXXX and they also put a fraud alert on my account. They told me that the card was opened in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX, XXXX, XXXX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

I have submitted a dispute on XX/XX/scrub>/24 for 2 transactions with branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDWEST RECOVERY SYSTEMS FAIR DEBT VIOLATION AND FTC VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all XXXX  credit bureaus XXXX, XXXX, Experian. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days Experian will send back the debt is verified and updated. I never received a response from XXXX nor XXXX. I have requested XXXX for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.
Product: Student loan

CFPB, I recently followed-up on my initial case to check the status ( Complaint number XXXX ). I was advised that the XXXX XXXX XXXX XXXX company responded, saying that they do not service private loans. Per the instructions of the representative I spoke with, I am submitting another complaint to clarify that I was not referencing any private loan, only the federal loans I have with the company. Please let me know if there is any other information I can provide to complete this investigation. 

Thank You XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and am now disputing these issues with the credit reporting agencies and debt collectors. The key violations I identified are as follows : Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted inaccurate credit information about me without properly verifying it. Under U.S. Code, 15 U.S.C. 1681n, this can result in civil liability of up to {$1000.00} per violation.

Failure to Disclose Personal Information Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency failed to inform me about my right to opt out of sharing my personal information. This omission violated my consumer rights.

Furnishing Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) : The credit reporting agency furnished inaccurate inquiries and accounts without proper validation. This is a violation of accuracy standards outlined in 15 U.S.C. 1681e ( b ), which mandates that credit reports must be accurate and up to date.

Debt Collection Violations ( Debt Collection Practices Act and FCRA Section 623 ( a ) ) : Debt collectors reported inaccurate debts without my consent, causing harassment and distress. Under 15 U.S.C. 1692g, they are required to cease collection until they validate the alleged debts. 

Failure to Define Late Payments : The credit reporting agency reported " late payments '' without clearly defining what constitutes a late payment, which is both deceptive and inaccurate. 

Unauthorized Credit Report Access ( FCRA Section 1681b ( a ) ( 2 ) ) : Unauthorized inquiries were made on my credit report, such as the XXXX from XXXX XXXX on XX/XX/2023, without obtaining my written consent. This violates the permissible purposes for which credit reports can be accessed. 

Failure to Determine Accurate Finance Charges : The credit reporting agency did not properly determine finance charges, a responsibility outlined under FCRA guidelines. 

As a result, I have formally requested the following actions based on the violations I listed : Immediate deletion of incorrect personal information, such as the addresses XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX, XXXX, GA XXXX. 
Correction of inaccurately reported late payments, particularly for the XXXX XXXX account, which I request be updated to reflect that the payments were made as agreed and never late. 
Validation of the debts reported by XXXX XXXX XXXX, XXXX XXXX, and other debt collectors under 15 U.S.C. 1692g, including requests for supporting documents such as original contracts, signatures, or proof of the original creditor. 
Removal of unauthorized hard inquiries, such as the one made by XXXX XXXX on XX/XX/2023, which I did not authorize. 
I expect a prompt response and a resolution of these issues. If these violations are not addressed, I am prepared to pursue legal action as permitted under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Equifax on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.
Product: Credit card or prepaid card

I have a USAA VISA credit card because my dad was a XXXX XXXX veteran ( now XXXX and I am an XXXX ). It had a good credit limit that I could use in emergencies, like purchasing an airline ticket... but since my military veteran XXXX died, USAA dropped me because I am not in the military -- but reinstated me when I reminded them I am still a son of a military veteran. Interestingly, just like previous years when my military veteran XXXX was alive, I didn't use the card ( but kept it for emergencies ), USAA killed my credit limit to a measly {$500.00} and refuse to raise it ... claiming the credit card bureaus are giving them a very poor rating ( outright lie, see attachment ). I am retired, but currently have over an XXXX credit score by all XXXX bureaus, and have over a XXXX dollar net worth. All bills paid on time without exception. My retirement withdrawals from XXXX was reported to the XXXX to have over {$100000.00} income. USAA has XXXX reason to not increase the credit limit to where it was prior to my military veteran dad XXXX  As it is, I might be able to buy gasoline, but hardly anything more because of the extremely small credit limit. Ever since my military dad  died, USAA has been trying to get rid of me ( discrimination ). USAA refuses to tell me over the recorded telephone as to what the credit bureaus supposedly reported, but said they are sending me a letter stating the reason for their discrimination because I have perfect credit reports from all three bureaus. XXXX XXXX puts me at the XXXX score!
Product: Debt collection

Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..
Product: Debt collection

While checking credit report I noticed several indications on my report from XXXX XXXX. I have been a victim of identity theft and fraud in the past. Individuals have used my information to apply for payday loans, utilities, etc. Police report has been filed and fraud alerts placed on credit report.
Product: Mortgage

I refinanced my mortgage with XXXX XXXX. My mortgage was with SunTrust prior to the refinance. On XX/XX/XXXX SunTrust sent a payoff statement to XXXX. However, the payoff statement was inaccurate because I had cancelled my XX/XX/XXXX payment but SunTrust included the payment in it's calculation for the payoff statement generated on XX/XX/XXXX. On XX/XX/XXXX SunTrust realized that I cancelled the payment so they generated a new payoff statement which they claim was sent to XXXX on XX/XX/XXXX. However, XXXX never received this payoff statement and SunTrust has no record that they actually sent the statement. 
So on XX/XX/XXXX a wire was sent to SunTrust to payoff the mortgage. The amount sent was based on the XX/XX/XXXX payoff statement because no one knew about the statement generated on XX/XX/XXXX. At that time SunTrust contacted XXXX XXXX company to let them no the payoff was short. Silk then contacted XXXX on XX/XX/XXXX to let them know. I was never notified of this issue. On XX/XX/XXXX by my own efforts I discovered there was an issue with the payoff. However, for 6 days I had two loans one my property both of which were accruing interest. This could have been solved in multiple of ways. Most notably I could have been contacted by XXXX on XX/XX/XXXX so that they payoff could have been corrected and I wouldn't have incurred extra fees and interest. Additionally, SunTrust should have honored the first payoff statement because they have no proof they sent it. XXXX said they would honor the XX/XX/XXXX statement if SunTrust could prove they sent the fax.
Product: Checking or savings account

On XX/XX/XXXX a check from my job was deposited in the amount of XXXX They decided to close my account I was told they would send the funds back to the sender They have no done so They have been holding my funds since XX/XX/XXXX. 
The account was closed mid XXXX. 
It is almost XXXX and now they are telling me citi bank owes me no funds. 
Those funds are no longer in that account and my payroll has no received them either. 
How do I retrieve my funds?