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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a fraudulent credit card posting on my credit report from XXXXXXXX XXXX XXXX XXXX XXXXXXXX. It is showing over spending limit, and past due payment. This account is fraudulent, as I did not open it. The company and credit reporting agency needs to remove this account within XXXX business days as it is a violation of my consumer rights to be posting false and misleading information. I have reached out to the company, but have not heard anything in response.
Product: Credit reporting or other personal consumer reports

I used XXXX published phone numbers for Experian during business hours on XXXX and XXXX, XX/XX/24 and XX/XX/24, and on XXXX, XX/XX/24, in the early afternoon. I tried to get a live person to assist with my account access problem. 

The problem is that my user account with the company was failing to log in to the company 's website. I reset the password using the website. But after the reset, I still could not access my account. On XXXX occasions on XXXX different days, the website returned a useless screen with XXXX gear icons spinning and mentioning a telephone number to use for help. 

I called that specific telephone number, but I got no help. I found XXXX other published number and likewise got no help. 

Each time using those phone numbers, I was shunted into a phone tree with unhelpful options. The main options given to me were ( XXXX ) go to the website to log in ( but that would not work because the inability to log on was the problem I need help with ) or ( XXXX ) listen to a recorded message to submit something via snail mail to the company. Obviously, I am seeking my online account to be fixed by a technician. This is something that live representatives work on in real time with customers calling in on the phone to obtain help -- it is not something that a snail-mail process works for. 

The phone numbers that I dialed both came from the Experian website. They are XXXX and XXXX. In looking at my outbound calls, I see that I called a total of XXXX  times. In each call I asked the electronic system to be transferred to a live representative, and the system told me each time : " I can't get you to a XXXX right now. '' My reason for needing my account to work is that I want my free annual credit report and I want to pay the upcharge to get my current credit score. This has always required me to have a functioning user account. 

In my calls, the system collected my social security number and number for my home street address, plus my DOB, right at the outset of the call. I provided accurate data, but the system pretended that my data was insufficient for me to get help. In any event, I believe the company has thrown up road blocks for consumers to easily obtain their annual credit reports so I am making this complaint. 

Ultimately, I used www.annualcreditreport.com to navigate to Experian. After Experian again obtained my sensitive personally identifying information, the system again failed to recognize me. It shunted me over to a separate interface at which I uploaded a drivers license and electricity bill. Apparently, those uploads will prompt Experian to snail-mail to me my annual credit report. However, I had done fruitless work on the prior days attempting to do this the easy way, by speaking with a representative to fix my user account. 

Even if I do get a snail-mail copy of my credit report, that still does not assist me in purchasing my credit score. For that, I will need a functioning user account. And the company has stymied me from obtaining that over and over.
Product: Credit card or prepaid card

Wells Fargo Bank opened two credit card accounts without my authorization. For many years, i had a checking account overdraft protection with Wells Fargo. At some point, Wells replaced this with a credit card account. I did not authorize the opening of a credit card. A couple of years later, they opened a second credit card account. 

I did not want the first credit card, let alone a second new credit card. I was in a tough spot though, because i did need the overdraft protection. I'm not sure if I gave up my rights by not objecting at the time, but I know that canceling a card goes against one 's credit score, so i felt trapped. 
After being more than 90 days late on one of the cards, Wells abruptly closed the account and demanded payment in full. 

I don't deny that i have a balance to the extent there was overdraft. I have requested that Wells refund the charges associated with the credit card including all fees and the difference in interest rate. 

I have never used the credit cards to make purchases.

Wells refused to make any concessions. Now we are in court and they are papering me with document requests. Please know that my requests ( multiple ) for my authorization of opening the credit card accounts have been ignored, including by their attorney. 

Is there anything the CFPB can do to help? 

Many thanks, XXXX
Product: Debt collection

XXXX XXXX filed a claim with XXXX XXXX XXXX insurance which is not my insurance company. They were presented with a XXXX XXXX XXXX at the time of the service and still did not get it correct. After a few months, they contacted me by mail with an invoice saying I am responsible for {$660.00} for the tests. Tried calling and could not get anyone to answer the number on the invoice but was rather referred to XXXX XXXX. After logging in and seeing the incorrect insurance, tried to correct it online but to this date, it has not been corrected even though a claim was filed and denied because of coding errors. I have made numerous attempts to contact XXXX both online and on the phone to no avail. I called my insurance company to try and resolve this and they have reached out to XXXX  and to XXXX XXXX, XXXX at XXXX XXXX XXXX who ordered the tests. I have made 2 trips to the Doctor 's office and supplied them with copies of XXXX 's invoices trying to get the claim filed correctly. Again, to no avail. After months of trying to get this issue resolved without success XXXX has turned me into a collection agency, Credit-Control LLC who called me and I told them that I disputed the claim because XXXX  has failed to obtain the correct coded for the procedures in question. The agent said she would show this as a disputed claim. A month later I get a letter from Credit-Control LLC which I will attach along with my response. Tried calling them last night and got on. the merry-go-round of will you make a payment, set up a payment plan or wait for an agent. After about 15 minutes I was told to leave a message and someone would return my call but when I did not leave a message, the call was disconnected. I then proceeded to send in a copy of their statement along with a copy of the EOB for the charges they were requesting payment for to XXXX. After multiple attempts to get this matter resolved, going above and beyond on my part, I get turned over to a collection agency. This should not be reflected upon my credit report as so many things now are based upon my credit score. Things like insurance rates, credit card rates, car loans and God only knows what else. One company 's inept business practices show not be an instrumental key to this horrific practice. Last check my credit score was XXXX with no late payments of any kind or negative factors reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 Untitled { , Collection/Chargeoff , Medical Subject has not satisfied debt. } 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
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX XXXX XXXX XXXX XXXX opened XXXXXXXX XXXX  XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXX XXXX XXXX under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX On XXXX I applied to XXXX for a license to unblock my funds. On XXXX I have received license XXXX authorizing JP Morgan Chase Bank to return the funds to the originator. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX informing them on the fact of issuance of the above mentioned license and asking them to return the funds to my account in non-sanctioned bank. Still, JP Morgan Chase Bank has not responded. Thus, I can not receive my money even having the license authorizing it.
Product: Debt collection

I just got collections on my account for {$4000.00} from XXXX XXXX XXXX. The debt collector is Consumer ADJ CO. My report says is was opened on XX/XX/XXXX. They tried to contact me once and said this was a collection from XXXX and I told them that I never got a loan and that, that information was false. I dont have any paperwork from them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account on my credit report due to a recent data breach in which my personal information was compromised. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account be permanently removed from my report to protect me from potential fraud : Account to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/year> - {$12000.00}
Product: Checking or savings account

I am writing to formally complain about an issue with my account that has resulted in it being frozen due to a bounced check. This situation has become increasingly frustrating, as I had a direct deposit from my employer scheduled to come in to address the overdraft. 

However, since my account was frozen, my direct deposit is also now inaccessible, which is causing significant inconvenience. I have reached out to customer support for assistance, but so far, I have not received a resolution. My employer has advised me to settle this matter with the bank directly, but Im struggling to understand the next steps to get my account reinstated and access my funds as the bank will not help me I kindly request your immediate attention to this matter and would appreciate any information on how I can resolve this issue as soon as possible. Thank you for your prompt assistance.
Product: Credit reporting or other personal consumer reports

I am disappointing that my information has been compromised by identity theft. ( XXXX XXXXXXXX account number XXXX ) Im trying to buy a home for me and my family and this has put a serious hole on the process. By the FCRA 15 USC 1681G my information should be safe and secure and I see is not. My information has also been in a breach. According to section 605B of the fair credit reporting act requires consumer reporting agencies to block fraud information on consumers credit report if the consumer claims it was a result of identity theft credit reporting agencies must block information within four business days of receiving this information.

Failure to respond with deletion of the above reference account and sent out a free copy of my credit report real result in legal action being taken against your company, which I will also be seeking XXXX per violation, defamation of character, negligence, enablement of identity theft, section 1681EB of the fair credit reporting act.
Product: Payday loan, title loan, personal loan, or advance loan

This loan is for a XXXX XXXX. I signed a tuition refund guarantee, and then after Hurricane Ian destroyed the XXXX XXXX XXXX  Florida, I needed an extension on the XXXX end date. This extension nullified my tuition refund guarantee but, I signed it under duress. I explained to XXXX/Ascent my situation and they increased my loan amount in retaliation.
Product: Checking or savings account

On XX/XX/22 I received an email stating that a Chime Account had been opened in my name and a debit card was being sent out. I reached out to the company via customer support and they put a hold on the account but then asked for pictures of my license and the last XXXX of my social security number. I did not feel comfortable giving that information especially since it seems like thats what they warn against on their website. Id like the account closed.
Product: Credit reporting or other personal consumer reports

I am requesting a Metro 2 Compliance review on these unknown accounts on my credit report that lack information that makes the account unverifiable. Section 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. PLEASE DELETE/REMOVE THE FOLLOWING ACCOUNTS : 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 or other personal consumer reports

I am writing to formally request further clarification and re-investigation regarding accounts appearing on my credit report that I believe do not belong to me. After previously disputing these accounts, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts? 
Was contact made directly with the creditor ( XXXX ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me? 
Were any third-party databases or external records consulted in the verification process? 

Furthermore, I have been informed by the creditors associated with these accounts that the accounts were mistakenly merged with information belonging to another individual. This appears to be a case of mixed credit files or erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being.

Given the severity of this issue, I request that your agency : Conduct a thorough re-investigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files.

Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources.

Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

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 card

According to their records, there was an account fraudulently opened with my information on XX/XX/year>. When I saw the account on my credit report I reached out to report fraud immediately. I was originally told that the account would be deleted because some of the information did not match mine, but it never happened. After many disputes and signing a form to declare fraud, they did close the account, but did not delete it and they continue to report late payments. I am just looking for the deletion I was originally told I would receive for the fraud.
Product: Debt collection

I do not have any type of contract with this company. I have tried to reach out to source receivables multiple times about this issue. Proper Validation has not been provided and several FCRA violations have been made.
Product: Debt collection

I contacted Collection Bureau of America who reported on my credit report i have an {$81.00} amount in collections. However when I called to speak to a representative at XXXX she advised me that the amount was {$100.00} and that {$26.00} was finance fees that had accrued on my account since 2013. I advised I had recently checked my credit report and it showed {$81.00}, so which is the correct balance. I paid the {$100.00} so I can get this account off my collection report, however I feel this is incorrect information. If the balance shows on my credit report as {$81.00} I should receive a refund.
Product: Mortgage

My home was foreclosed on XX/XX/XXXX without me having my due process. Bank of America would not allow me to extend my foreclosure meditation process or make a loan modification. I believe I am being discriminated against. I have been in the home for over 9 years. I reached out to Bank of America several times to modify my loan and was given the run around. I submitted financial documentation and received a letter of receipt of confirmation XX/XX/XXXX from BOA no answer regarding the modification. I was given a motion of ejection for XX/XX/XXXX. I filed a motion of stay of ejection and was denied today. I also filed a motion to open my foreclosure judgement because I was not given the opportunity to stop my foreclosure with a loan modification. I go to court XX/XX/XXXX. BOA has a history of discriminatory lending and mortgage practices against XXXX Americans and XXXX. I would like BOA to agree to open my foreclosure judgment.
Product: Credit card or prepaid card

Kohl 's department store turned over a debt they claimed I owe as a charge off to credit bureaus. I have never received a bill and haven't used their card in years. 
I have called the company 4 times, wrote them and turned it over to the XXXX. 
I have not had a reply. I do not believe I owe them anything but without a bill can't even dispute. 
This has caused me to not be able to get solar panels which is how I became aware of the problem and have for months been trying to resolve this. 
I put a complaint on their website and saw they have done this over and over to others. 
I am a senior and have always paid my bills. To ruin my credit and not care is ashame. I will never shop there again and just want this cleared up.
Product: Mortgage

Rushmore debited an unauthorized payment in the amount of {$2200.00} from my bank account while I had a pending loss mitigation application. I escalated this issue with Rushmore who advised that they did not debit the payment. I am attaching proof of said debit hereto. A few days after my escalation, the payment has been returned to my bank account. This withdrawal almost completed depleted the funds in my account resulting in potential fees from my bank.

Additionally, Rushmore violated RESPA by failing to provide me with a letter stating that my application was complete within 5 business days of my final submission. I was advised that the application was marked complete on XX/XX/year> but I have still not received a letter stating so.
Product: Credit reporting

I have disputed this item several times XXXX XXXX XXXX XXXX This account has a XXXX that is past 7 years old. Experian is violating my rights and violating the FCRA laws. Please help assist me with this complaint. My next action if not resolved will be contact my local State Attorney Generals office.
Product: Student loan

I qualify for loan forgiveness due to school closure. I have filled out the application several times they keep denying it for different reasons the last reason they told me is because I need to prove I was enrolled at the time the school closed. So I paid to have my transcripts sent to the loan holder Great Lakes who again gives me another excuse. conveniently they apparently didn't receive it so I sent them a copy of the confirmation from where I ordered it which shows the email address it got sent to within their company and they tell me that that's not the correct department that handles that kind of paperwork and I would have to try again. They should have all that info to begin with. I feel they are purposely not approving me and that is not legal. If I qualify I deserve to get approved. I was attending XXXX XXXX  college 's XXXX yr XXXX program when they shut down for financial aid fraud
Product: Vehicle loan or lease

I only owe XXXX on my car I had for three years now and all of a sudden they keep trynna repo my car over less then a month payment and Ill tell them when Im able to pay but they always telling me what they cant do when Im trynna make payment arrangements, they recently repoed my care but still charged my account then o had to pay almost XXXX bucks to get my car back so when my card false to go thru for a XXXX dollar payment I told them Ill be able to pay it next week if the XXXX but they denied to allow me to pay it and my car note is not due into the XXXX of each month