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

To Whom It May Concern, I recently reviewed my TRANSUNION credit report XX/XX/XXXX and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations of the Fair Credit Reporting Act : 1. Reasonable Accuracy Obligation ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning individuals. These accounts listed above have violated this standard by reporting incomplete or inaccurate data. 2. Treatment of Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : Under this section : * If information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency is required to : ( i ) Promptly delete or modify the inaccurate item in the consumers file. ( ii ) Notify the furnisher of the modification or deletion of the inaccurate data. 3. Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : * Furnishers are prohibited from providing any information they know or reasonably believe to be inaccurate to consumer reporting agencies. 4. Prohibition of Reporting Inaccurate Data ( 15 U.S.C. 1681b ( a ) ( 1 ) ) : * A person is not permitted to furnish inaccurate information regarding a consumer if they know or have reasonable cause to believe the information is inaccurate. I demand that the inaccuracies be corrected immediately, unverifiable information be removed, and prompt notification of actions taken be communicated to me. Failure to address these violations constitutes noncompliance with federal law and infringes upon my rights under the FCRA. Action Items : * Remove or modify all inaccurate, incomplete, or unverifiable information from my credit report as required by 15 U.S.C. 1681i ( 5 ). * Notify all furnishers of the corrections made to my file. * Provide me with written confirmation that these corrections have been completed. Thank you for your prompt attention to this matter. I expect a resolution and written confirmation within the statutory time limit outlined under the FCRA.
Product: Credit reporting or other personal consumer reports

Transunion is not following the laws and removing this fraudulently open XXXX Account off my credit report!!! I asked them to look. For the original fraud address were this account was open please remove this fraud account off my credit report
Product: Mortgage

I'm trying to get pay my mortgage to get it current with Flagstar Bank. However they are not allowing me bring it current unless my make a lumps payment. I told i can not come with the that whole amount and would like a payment plan and they are saying they can not do it. I told gave them paystub showing that we will be able to make payment regular but they are not trying to listen to me. I told them the hardship i was having still they don't want to help. I XXXX XXXX XXXX, my wife was hospitalize. I hate having to tell my private matter to everyone. my life is getting better my wife is working and we are doing better. All i want is to get things back in order with FlagstarBank
Product: Debt collection

I have recived harassing phone calls about debt to an apartment complex that I have paper work for stating I do not owe an money. They call my phone all day harassing me and even at work threatening to take me to jail. I have sent in proof that I do not owe this money and they still call and refuse to take it off my credit. Hunter and warfield is the creditor
Product: Mortgage

I was on a forebearance due to covid from about XXXX of XXXX to XXXX of XXXX. I made my 3 temp payments to get back onto my normal mortgage payments and agreed to an amended mortgage to pay back what I owed for a 10 year extension. It has been 7 months and I still have not received my amended mortgage and everytime I call they say either it's in the process and the last time I called they said the docs would be at my house by then of the week ( 2 weeks ago ). The morgage lender is 5/3 bank. I am trying to refinance and can not because they refuse to send the amended mortgage docs for months now, and it still shows I owe over $ XXXX in payments to them.
Product: Debt collection

Midland Funding LLC from XXXX Acct # XXXX if trying to collect and debt that was paid on XXXX XXXX debt from XXXX was paid through XXXX after my dispute was resolved., I have been disputing on my report since XXXX
Product: Checking or savings account

I am a victim of fraud. On XXXX XXXX XXXX XXXX, I received a message from my bank ( Wells Fargo ) stating that there was activity on my card for {$400.00} at a Wells Fargo XXXX in XXXX, TX which is almost an hour away from my residence. When I received this notification I was home on my couch, after being sent home from work due to freezing conditions from a winter storm. As soon I saw the text message I was ready to call my bank because someone tried to take out {$400.00} twice and was not successful until the third time when they successfully managed to pull out {$500.00} cash. I had my debit card in my possession, so I knew someone had my information without my consent. Wells Fargo called me before I had the chance, which threw me off. I started making a claim with 1 agent and halfway through they hung up on me. I called again, this time talking with another agent, and finally was able to complete the claim. They informed me that it would take up to 10 business days to settle the investigation. The money that was taken out was all that I had for rent. I called Wells Fargo back the next morning to ask for my money to be credited back since I had to pay my rent that week. They accredited me the amount until the investigation was over. On XX/XX/XXXX Wells Fargo did a " Card Reversal of Credit '' of {$500.00} leaving me negative - {$470.00}. I called panicked asking what happened and they said, that after their " thorough '' investigation they found no evidence of fraud. This made me feel worthless like I made the whole thing up, I felt like they didn't believe me. All of this was done via their customer service line on the telephone. I asked if I could speak to the person who conducted the investigation because I do not feel my report was taken seriously. It happened at one of their branches, one I have never been to. They told me I couldn't speak to anyone and that the decision was final. So I went to a Wells Fargo Bank in person and they told me that the investigation should have included video surveillance from the ATM and more, but that they couldn't do anything either. They were kind and wanted to help more. In the end, I am still left with someone taking {$500.00} from my account. I do not know how else to prove to them other than showing my cellphone location, or video surveillance of me at a gas station right before the incident almost 40 miles away. Please, let me know if there is anything I can do further. This is a ton of money for me as a single parent, working full time and living paycheck to paycheck. Please. Thank you for taking the time to read this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is reporting a collection account that does not belong to me. I reached out to the reporting company, got them to close the account out and ask for the barrels to remove the information for my credit report in which they still will not do. Current Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Client Account Number : XXXX XXXX  Account Number : XXXX XXXX Default Password ( for website ) : XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I have discovered fraudulent account being reported, these fraudulent accounts are XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, these account are fraudulent and I request them to be removed as they are affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 XXXX, XXXX and Transunion corporations are reporting inaccurate and unverified information on their public database without my expressed written consent. On XX/XX/2023 a dispute letter was received by each company however none of the derogatory reports have been deleted or removed. Since I have the right to have access to extension of credit, I am submitting a complaint against the above-listed companies for the harm incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : Credit Plus. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Product: Student loan

Someone enrolled in XXXX XXXX XXXX in my name without my permission. On XX/XX/2022 this person took out XXXX financial aid loans through Mohela in my name. XXXX for {$3500.00} and XXXX  for {$6100.00}. I contacted Mohela and notified them it wasn't me. I asked them what I should do. They had me contact the school, file a police report, send a few signatures, send XXXX forms of ID, and my current adress lease. I complied with them and a few months later I got a letter from them. The letter said that they thought I was the person that took out the loan. I've lived in north Georgia for almost XXXX  years. I didn't take out the loan, and would like for them to see that it wasn't me who took them out
Product: Debt collection

My name is XXXX XXXX and Im an reaching out with a few questions regarding the portfolio recovery account that originated from XXXX XXXX. I did open multiple disputes over the years as I found out the original account was created by my mother, possibly, a few years back. I dont even speak to my Mother. For the one 3 years Shes lived in XXXX and I lived in XXXX  XXXX. She lost custody of me and my siblings some XXXX odd years ago. This is a definite case of identity theft or fraud or both. Please do whatever you can to get this resolved as soon as possible. This account has been plaguing me for years, with me not being sure where it was from. Ive also been paying it when it isnt even my debt to pay just to try and mend my credit. Will I be able to get the money I paid back as well? Since Forsure I know that this was a fraud case. Thank you for all your help looking into this. Im looking forward to your response.
Product: Debt collection

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. Please send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize and must be deleted immediately : XXXX XXXX  XXXX
Product: Credit card or prepaid card

Capital one is basically telling its customers that if they dont have a phone you can't access your account online period it doesn't matter if you dont have the means to get a phone or access it doesn't matter if you have a XXXX, they won't let you into the account. 



I want to make this very clear about what happened to me as I have been held XXXX by this. I had attempted to log in to my account back in XXXX when the site required a Mobil text verification, I dont have a phone I dont have access to a phone so in a panic I tried to contact capital one via chat and they said oh you can mail the payment. They payment was due in a few days and they didnt care that couldnt log into the account and by mailing payment would make the account delinquent so I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have told capital one this and they dont care they will not allow me access to my account remotely via the computer. 



The capital one caf wasnt able to expedite my complaint, they have no email contact, their social media page refuses to help and they blatantly say Theres nothing they can do. 

They are essentially forcing people to purchase a phone in order to receive a simple text message and I will not be forced to do that when I am in no position to do so. 



I have been held XXXX now for six months and at this point where if they continue to refuse not to resolve this matter than I will retain an attorney and I will pursue capital one for damages. They will not force me to obtain a Mobil phone or any other capital one customer. They should be trying to work this out so they can do an alternative means of verification but they refuse to do so. But with that being said if they chose to refuse to even make an attempt to resolve this with the XXXX  then an attorney will be retained and they will be contacting capital one and maybe then they might change their tune but I am giving them one final opportunity to resolve this because what they have put me through is not I am very serious when I say I will pursue legal action I have tried to work this out with capital one but they refuse to even attempt to resolve this so either resolve the matter or I will move forward with legal action
Product: Credit reporting 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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting or other personal consumer reports

I have tried to have these inaccurate accounts deleted from my consumer reports, they failed to provide documents that I requested, there has been no validation of inaccurate accounts that needs to be deleted. I have listed the accounts below. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They have not response to my letters that I have written several times
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid for credit to be cleaned and credit is same
Product: Debt collection

Company sent me a letter dated XX/XX/XXXX regarding a medical debt owed to XXXX XXXXXXXX and giving me 30 days to dispute it. On XX/XX/XXXX, debt collector reported my debt to the credit bureau without giving me an opportunity to dispute the debt. Once I contacted the debt collector regarding the debt, they mentioned that the debt was from a procedure back in XXXX, XXXX without giving me any other information. Of course, I have no recollection of any owed debt to me from back in XXXX. Debt collector told me that they can not provide me with an itemized bill and instructed me to call my insurance company or primary doctor even through the original creditor was from XXXX XXXXXXXX. I explained that I will need to see some sort of bill from the actual original creditor to make sure my insurance did not just pay the bill but debt collector could not provide me with such proof.
Product: Credit reporting or other personal consumer reports

I have repeatedly stated that this is not my debt. I have a fraudulent account statement. I have sent it in. Ive gotten no response back not only that but from their own response, there is only XXXX {$320.00} balance yet. The credit report shows that theres a {$600.00} balance with a high balance of {$320.00} that doesnt even make sense thats invalid there Constantly changing their reports to Suit my proof and this is absolutely a violation on my rights and needs to be taken off of my report and I want to be paid my legal right of XXXX per violation for at least the XXXX violations that are clear as day the balance due and the dates opened as well as if the card is closed or not On my credit report, it states that it is closed under opportune then under the creditor that they sold it to it states unknown. But even under their own reporting, it says balance due zero how is that possible if Im being reported for nonpayment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove UNKNOWN XXXX, UNKNOWN XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  , XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had reported to chase that I had charges on my account for different amount on the same date and to the same company XXXX XXXX.which is a prepaid card. The transactions are XX/XX/XXXX XXXX XXXX  {$7.00} {$7.00} XX/XX/XXXXXXXX XXXX XXXX {$15.00} {$15.00} XX/XX/XXXX XXXX XXXX {$19.00} {$19.00} XX/XX/XXXX XXXX  XXXX {$31.00} {$31.00} XX/XX/XXXX WIRE TRANSFER MONEY ORDER {$100.00}. {$100.00} XX/XX/XXXX WIRE TRANSFER MONEY ORDER {$350.00} {$350.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX CA If this is a prepaid card how can I have a negative balance. 
Balance on XX/XX/XXXX {$67.00} {$1100.00} - {$1000.00} XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I didn't make these transactions..
Product: Checking or savings account

Please unblock or unrestricted my XXXX access when I try to use XXXX it it say this As youve requested, weve removed your access to XXXX. 

If you have questions, were available 24/7 at XXXX. 
I never request the access to be restricted or removed or blocked I didnt do nothing wrong to be restricted or blocked please unblock the access or unrestricted the access so I can use XXXX again and unblock the XXXX XXXX or unrestricted the XXXX XXXX and unblock or unrestricted the account XXXX  XXXX so I can use XXXX again my name is XXXX XXXX and account information is checking account number is XXXX etc. please look at the attachment below etc.
Product: Mortgage

I am refinancing my home loan through Bay Valley, Lending who uses XXXX XXXX XXXX company. I was supposed to get a wire sent to my bank on Wednesday XX/XX/2020. As of XXXX XXXX  on XX/XX/2020 I still have not received the wire. The Title company has not received the funds to wire. I have called and e-mailed numerous times to get the status and was told they would get back to me. That hasn't happened. I am worried I have been scammed.
Product: Credit reporting or other personal consumer reports

Someone been opening up accounts in my name. I got hired at a a scam job in that stole all my information and I believe there trying to use it The job is called bright way shipping service Its a lot if unauthorized inquiries on my credit report for strange experience and XXXX and I would like them removed I put a freeze on my account so no one else can try. They have my XXXXXXXX XXXX XXXX  information they told me they was gone pay
Product: Credit reporting or other personal consumer reports

Goes against FCRA XXXX ; XXXX XXXX XXXX & XXXX XXXX XXXX If you can't validate debt and provide proper documents with my signature Delete this account now or I will have the right to sue this collection company for reporting false information to the credit bureaus. 

Please investigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My account was paid off on XX/XX/XXXX. I called that same night and confirmed with a representative that it was paid and there was nothing else needed from me. On XXXX I looked at account and realized it had not been closed. I called and was advised account is paid off but it had to be escalated to accounting due to a system issue. I have called 7 times in the last month and I keep getting told it's being worked on. My last call on XX/XX/XXXX i was informed it should be fixed by XXXX. I have still not received an update and my account is still open saying I have past due payments when I don't owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states consumer reporting agency can not furnish in account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose of