23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am deeply frustrated and appalled by the lackluster response from Money Network regarding unauthorized charges on my account, which I firmly believe to be a result of identity theft. I approached them in good faith, expecting a comprehensive investigation into my dispute, yet they summarily denied my claim without apparent due diligence. This dismissive approach not only challenges my trust in Money Network as a financial institution but also raises serious concerns about their commitment to safeguarding consumers against identity theft and fraud. I turned to the CFPB with the hope of finding justice and redress, and I implore you to intervene and ensure that Money Network is held accountable for its negligence and irresponsibility. 

The following are charges I do not recognize and were unathorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a VICTIM of identity theft and every single charge mentioned was unauthorized, fraudulent, and carried out by someone impersonating me without my knowledge or consent.
Product: Mortgage

Wells Fargo is my lender, I am grateful they gave me a loan modification about 6 years ago. I have not had a single 30 day late since the loan was modified. 
my problem with the loan is ; the first payment increase after being fixed for 5 years was 16.5 % on the first adjustment. 
XXXX to XXXX in one increase and XX/XX/19 my payment will be XXXX. 

so in approximately 13 months my payment has increased {$290.00} which is 21 % increase in just a little over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion is reporting inaccurate information as far as late payments on my consumer file and I have asked them for the method of verification Numerous times, this is becoming exhausting as XXXX and TRANSUNION IS HARMING ME AND HOLDING ME BACK FROM GETTING A HOME FOR MY FAMILY DUE TO INACCURATE LATE PAYMENTS. Ive asked XXXX multiple times to look into this and to provide me with the method of verifying the late payments and if it is warranted. In addition Ive asked XXXX XXXX Transunion to remove any accounts that can not be corrected or fixed as there is no permissible purpose and there is several violations in addition to this. XXXX and Transunion has not provided any consent forms for any accounts or any documentation showing they have permissible purpose. 

These are the accounts that are harming and very concerning to me as a consumer on MY consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Please advise XXXX and Transunion to follow the law by doing a thorough and complete investigation permitted by LAW. And correct each late payment as I was NEVER LATE ON ANY ACCOUNTS. If this can not be done I respectfully demand for such accounts to be DELETED from my consumer report. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, this inaccurate and unverified address must be removed asap from my credit report. XXXX XXXX XXXX I do not live at and I don't want my mail going to someone else with all the fraud that is going on right now. 
TransUnion refuse to remove XXXX XXXX a employer I never worked for the other bureaus has
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the FCRA section 605B for the following reasons : In XX/XX/2019 i filed an FTC ID theft affidavit report to have certain fraudulent items on my credit report blocked in accordance with the fcra. The bureaus blocked the information but now one of the accounts has re-appeared on my transunion report. This account was blocked for the last 8 months and randomly is back on my report. I resent them my FTC documents and letter to have it blocked, however transunion is still reporting this item and is showing up on my reports now for some reason. This is a violation of the FCRA and I want it resolved immediately. 
I should not have to re fight to have information that was deemed fraudulent removed from my credit report again.
Product: Credit reporting

My complaint is stating that the Public Record Information was inaccurate in its filing. By law the term " Dismissed '' means that it is adjudicated by the law. When I initiated the case it concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years this is against consumer law. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company XXXX XXXX is listed on all 3 of my credit reports as paid after charge off. In XXXX I contacted XXXX regarding inaccurate very high charges one month, in XX/XX/XXXX. XXXX was to send out a meter technician to test our meter. This never happened. I disputed the charges and closed the account. Still no contact back from XXXX. I paid the account in full in XX/XX/XXXX and was ASSURED by XXXX this was to be removed from all reports. Each time I submit a dispute to XXXX, XXXX XXXX and equfax the results come back as verified?? I repeatedly request supporting documents and to no avail receive any back up supporting their reporting. I have clean reports with this exception and have proven good credit history. I want this item from XXXX XXXX removed from all 3 reports. Again, I have requested additional supporting documents and constantly ignored from all 3 agencies and the merchant. Thank you very much.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, hereby attest that I am a victim of XXXX XXXX  During the period of XXXX, my personal information, including my credit report and financial details, was illicitly used by XXXX for fraudulent activities. Unauthorized accounts were opened in my name and credit was misused. I have made efforts to resolve these issues and am now requesting assistance to block and remove these fraudulent accounts and inquiries from my credit report.

In accordance with Section 605C of the Fair Credit Reporting Act, I request that these accounts and inquiries be blocked from my credit report within four business days. Please send me written confirmation once these actions have been completed.
Product: Student loan

My loan is managed by Navient. My monthly payment is {$300.00}. I normally pay over the monthly payment to help pay down my principal. This decision was based on my conversation with customer service of my loan institute. 
I called Navient on XXXX/XXXX/17 after reviewing my payment history. It appears that my excess payment is being applied to interest not the principal. The customer service lady stated that the extra was paid to interest. 
All my extra payment of the {$300.00} should be applied to principal not interest since the interest is based on the principal balance each month.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX Please allow me to add a bank. I tried adding a bank and got an error message. I called paypal and they not able to add the bank for me. I have {$420.00} USD available
Product: Checking or savings account

- I opened a checking account earlier this month with USAA and my account immediately put of freeze and I can not activate or even get online and usaa has said that it was due to requiring a picture of my drivers license and then I would have complete access I tried for over a week sending the pictures and usaa has a different excuse every time from the system takes 2 days to their fax machine didnt peint it in color all of which is not my fault and then I recieved a letter saying that if I dont send in my ID by XX/XX/XXXX then they will close my account and it will show negatively on my report and they will also block my online access as a result ( they already did ).
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}, {$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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I have submitted 2 requests to close my checking account at Key bank. One of the requests was submitted in writing via email and the other was submitted verbally over the phone. I was told by a customer service rep on XX/XX/19 @ XXXX XXXX that they would not close my account even if I were to go into a local branch.
Product: Checking or savings account

I have called to let the bank know that there was a transaction that was cancelled on XX/XX/XXXX, but my credit card company still removed the funds on XX/XX/XXXX. I called my bank and told them this wasn't authorized. After it was reversed it seemed that the money was taken out and I put a dispute in. My account is overdrawn because of the automated XXXX dollar transfer to my savings account. Now my account is overdrawn and I have pending transaction that is gonna add up to XXXX DOLLARS NOW! THIS IS RIDICULOUS THAT THE SAVINGS TRANSFER CAUSED ME TO HAVE AN OVERDRAFT AND NOW IM GONNA GET A FEE FOR THE XXXX  TRANSFER ON TOP OF THE TRANSACTIONS THAT WERE VALID! IM SO XXXX TIRED OF TD'S XXXX SYSTEM!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Hello, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Please delete the accounts listed below as they are not in compliance with the fair credit reporting act. 

XXXX XXXXXXXX XXXX XXXXXXXX this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX  XXXX XXXX- this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX - this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is negatively reporting to TransUnion and XXXX from an account that is 14 years old and was also included in my chapter XXXX bankruptcy that was filed XX/XX/2013. I know my bankruptcy is going to show for 10 years but XXXX is not allowed to negatively report separately from that. Also that old XXXX account is 14 years old and they are only allowed to negatively report for seven years in Oregon. I have disputed it over and over again and all they did was add some comments next negative reporting. By law this old XXXX account is supposed to be deleted but most importantly I am already getting negative reporting for the chapter XXXX bankruptcy which XXXX XXXX was included in in 2013 but they are reporting separately from that as well, which is hurting my credit twice for the same thing.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have contacted the three credit bureaus to inform them that my personal information was missed without my permission or consent/apply fraudulent accounts. The is hindering my life and credit, I am reaching out for help to remove the following accounts from My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a Capital One credit card ending in XXXX which was opened years ago by my ex-wife. I assumed liability, paid the account off in full and for the last 2 years I have requested that the account be closed to no avail. At this time, I have been charged two annual fees, to which I paid last year but am not willing to do so this year as I have requested numerous times for the account to be closed. Currently, I now have a collection company that has been engaged and that hit my credit report for the unpaid annual fee for a card I have requested to be closed. I am demanding the following immediately : My account closed immediately The annual fee removed All applicable late fees associated with the fee My credit reporting fixed And a recall of the collection company and again that they remove ALL reporting on my credit report. 


To put it nicely, I should not have to asked for over two years to have this card closed and suffer a XXXX point drop on my credit score due to the fact that you will not simply close the account as per my request and right to do so. 

Additionally, if a client calls and is advised that someone will follow up with them, customer service protocol should be a follow up not sending a damned collection company a bill to collect for a fee that should not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$130.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020, Wells Fargo adjusted my credit card balance of {$8500.00} to {$0.00} for no apparent reason. Then, on XX/XX/2020, they returned that same balance, again, with no explanation. As a result, the system automatically assessed me a balance transfer fee of {$250.00}. 

I believe this did not happen by accident. What I suspect is that Wells Fargo is deliberately processing such transaction in order to charge their credit card customers and collect fraudulent fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on my credit report with all 3 agencies. I have had no issue with any except Experian. I reside and have 2 home addresses. I never received a PIN in the mail from Experian. I tried to have the freeze thawed for a credit application. It is impossible to talk to a person at Experian. The internet page that allows you to unfreeze your report does not work. My thaw was rejected, with no reason given. I followed their directions and was told that I must send the following information in the mail to them in order to have the freeze lifted. I do not feel comfortable sending information in the mail that includes copies of my social security number/card, bank statements with account numbers, and a photo copy of my drivers license and other identifiable information. The other two agencies have the ability to identify me and freeze or thaw, while Experian requires that I send highly confidential information in the mail. They also do NOT return these documents. I feel that they should offer a way to do what the other reporting agencies do. I have had accounts hacked multiple times, and hence the freezes. I even paid them for their service that claims to be able to do this. However I was sent to the same page over and over. They should be required to have a phone number with a person that can handle issues like this. I am being denied credit in a timely manner by this request for all this sensitive information.
Product: Debt collection

After explaining the situation on the billing error, they assuredme that if I pay it they will remove it from my credit report. I told them that I was in the process of refinancing my home and that it was critical in order for me to get a good interest rate. They told me they 'd have it done in 3 weeks. At the advice of my banker, I called to confirm this and was told they ca n't remove it.
Product: Debt collection

This account is reporting in accurately to my credit report and it is not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit scores back in late XX/XX/2023, with my free yearly credit pull, found a few imperfections and sent letter to XXXX, XXXX and Transunion on XX/XX/XXXX, asking for an investigations on a few accounts that did not match. I gave them 30 days to respond and show proof of their findings, and they failed to respond and honor my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report there is an account that is still showing on my credit file that was opened by now ex- husband and the company will not remove it from my credit file ' and the account is over 10 years old