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

This is the multiple times I've mentioned being a victim of identity theft. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX {$4800.00} ; XXXX XXXXXX/XX/2023.
Product: Debt collection

I am not liable for this debt with 12 SPEEDYCASH COM XXXX TX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked.

Account No : XXXX
Product: Checking or savings account

My debit card ending in XXXX was locked by the bank a couple of days ago. I requested to have the card unlocked trough the online banking chat and they said I must call " Card services '', I been calling them 5 days, they have a different address on profile so they cant verify. I also called the bank several times and request to speak with a supervisor and they insist to transfer me to " card services '' where they have a wrong information about me All of this issues between the bank and this third company is UNACEPTABLE.
Product: Debt collection

I was a victim of Identity theft XXXX years ago. I resolved the issue obtaining a police report and submitting it to the company and credit bureau and it was removed from my credit reports. Three years ago I discovered the debt was sold to a third party creditor who in turn confiscated my tax return. I was on XXXX at the time and did n't have the means to dispute with a lawyer ( I did try to fight it previously, but the judge told me to get a lawyer ). When the judgement expired, that Midland Credit Management had obtained XXXX years earlier, they purposefully sent the paperwork for a new judgement to the wrong address so that I could not show up for court, and was able to renewed the judgement. Keep in mind none of this has been on my credit report and I have never been notified!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im under Quarantine and have attempted to get the Fax # to Experian. I have to fax some documents as I can not go outside due to covid. Id like to have the dispute Fax line to Experian. Thank you
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXRe sently i am receive statement from those XXXXCompanyHowever, if when i claim servise with any companyThey also stated i fill for XXXX care and is any insurance present in my accordI think if they is any fraul attack going on my social securityI would of able to file fraul complain
Product: Money transfer, virtual currency, or money service

I got scammed {$700.00} on Zelle and they didnt help me at all
Product: Credit reporting or other personal consumer reports

Packages have been sent out via certified mail to the XXXX main credit bureaus and all XXXX packages were delivered. 
They contained FTC ( government agency ) identity theft report, police report, copies of my credit report, proof of identity and a copy of FCRA Section 605B because they must remove the accounts on my credit report that were due to identity theft. 

The XXXX credit bureaus have not removed and blocked the accounts even though it has been beyond XXXX business days, I have submitted all the proof that the accounts were due to identity theft including a sworn report by XXXX XXXX Police. The XXXX credit bureaus are violating my rights by not removing and blocking the accounts that were due to identity theft. I submitted all required documents, proof and information. 

The tracking numbers for all XXXX bureaus are : - XXXX XXXX - XXXX XXXX - TransUnion XXXX
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus continue to report inaccurate information in regards to my federal student loans balance. XXXX the student loan servicer and the Department of Education the student loan lender both have a XXXX balance on my account and have verified that my Federal Student Loans are paid in full through student loan forgiveness IDR program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX. This misinformation is causing me investment and financial problems with other institutions that I'm currently trying to do business with. I would like cfpb to investigate further into this matter as Equifax continues to display inaccurate information.
Product: Student loan

I opened a complaint previously ( XXXX ) which has been closed. The resolution was not satisfactory to me. Once the Public Service Loan waiver was implemented in XX/XX/XXXX, I inquired at Fedloan do I need to consolidate my remaining Direct Loans together and have all my loans as one loan. I was told no because the loans were already Direct and resetting them would reset my count to 0. Yet, one of my loans was forgiven during the review. Then later the language was updated in the waiver that consolidation loans that were comprised of underlying loans that have different numbers of qualifying payments, as long as your repayment history overlaps for each loan, the consolidation loan will be credited with the largest number of payments of the loans that were consolidated. I was never given this opportunity because I was 1 ) told not to consolidate and 2 ) had the remaining balance of the loan forgiven before I could consolidate. Changing the language and advice provided for the waiver after the waiver has been instituted is like changing the rules to the game once the game has begun. 

The resolution that you provided in my previous complaint is missing the point that I am making. The point is this if in XX/XX/XXXX if given the correct advice I would have reconsolidated all my loans together. My complaint has zero to do with the XXXX consolidation. The complaint is about the advice provided in XX/XX/XXXX that was changed once my loan was forgiven by the waiver.
Product: Checking or savings account

The bank forced me to sign a W9 ( internal revenue service form insteab of a W8 BEN ). In order to open the checking account, which made me a U.S. Person instead of the Non-Resident Alien Individual ( NRA ) that I am, for their own financial gain 53rd bank put my new checking account number in Box 7 of the W9 ( which made the account " NOT '' Exempt from wihholding, therefore withholding my {$490000.00} dividend payment in order for 53rd bank to steal and claim my interest and dividend payment for themselves. 53rd bank prefilled out the W9 and told me if I did not sign it, I could not open the checking account, while along knowning that the W9 form they asked me to sign was false and incorrect, and 53rd refused to give me a W8 BEN to sign. The Internal Revenue Website state 's, " Do Not Fill Out a W9, fill out a W8 Ben instead.
Product: Mortgage

Mid 2021, 3.5 years into our loan, our mortgage company was sold from " XXXX '' to " Mr.Cooper. '' We pay our homeowner 's insurance via our mortgage payments and they sit in escrow until years end and the lender then pays my insurance premium. 

After exactly 4 years of owning the home they said they didn't know what company to pay the homeowners policy to since the previous company XXXX did not provide that info to them. They say they called my insurance company to get consent from me to pay the insurance. My insurance company says they would have called me in 3rd party to give my verbal consent and that they never attempted to contact them. 

My new lender, Mr.Cooper, then went ahead and signed me up with a new homeowners policy from what I believe to be one of their affiliates or entities. My previous policy premium was set to renew with a new amount of {$1100.00} per year. The new company called XXXX XXXX XXXX XXXX whos premium is costing me {$2100.00} per year. 

I did not consent to start this new policy and never received any attempts from Mr.Cooper to call me to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid and still, my credit reports have not been updated an this is impacting my score. Please look at the balance it's showing {$2400.00} and true balance is {$900.00}.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Section 611 Dispute Letter Inaccurate Information on Credit Report Dear Credit Reporting Agency, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and violates my rights under Section 611 of the Fair Credit Reporting Act. The specific inaccuracies are as follows : **Item to be disputed : ** XXXXXXXX XXXX account ending in XXXX **Reason for dispute : ** This account and its associated balance do not belong to me ; they result from identity theft and fraud. 

**Current status : ** Ongoing **Desired action : ** I request the disputed information 's correction, update, or deletion. 



I have enclosed supporting documents that prove my claim, including bank statements, payment records, and identity theft reports. This is so that you know that these documents are for your review only and should not be shared with unauthorized parties. 



I respectfully request that you conduct a thorough investigation of my dispute as soon as possible and verify, amend, or remove the disputed information from my credit report within the 30-day timeframe mandated by the Fair Credit Reporting Act. Additionally, I would appreciate written confirmation of any changes made to my credit report. 



Thank you for your attention to this matter. I look forward to a quick resolution that accurately reflects my credit information. 



Sincerely, XXXX XXXX XXXX attachment Scanned by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am a victim of identity theft, XXXX XXXX opened up a fraudulent auto loan in my name with XXXX XXXX. I have filed a FTC report, Report number : XXXX. I have contacted XXXX XXXX, XXXX, XXXX and Equifax to have this fraudulent account removed, and they have yet to remove this account. In addition I have filed a CFPB complaint against XXXX that has not been acknowledged and it has been well over 30 days, Complaint id number : XXXX. A copy of my drivers license and social security card as proof of my identity, proof of my current address, plus FTC Report. I am writing to request that XXXX, XXXX and Equifax place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
In addition, this is hurting my reputation and disabling me from applying for a car, a house, and anything that has to do with using my credit FICO and credit score.
Product: Credit card

I have a Dicks Sporting Goods XXXX ( through XXXX Bank ). The last XXXX  years i have been on XXXX waiting on a XXXX transplant. The first XXXX years and prior to my illness all payments were made as you can verify as i was able to work XXXX. The last XXXX years i was only able to work part time. I fell behind and was unable to make minimum payments, but was still paying as i could. Around XXXX of XXXX Dicks locked me out of my account so i was unable to make payments or get copies of my submittals to them regarding my hardship. I spoke to several agents who called all day and night to collect money and explained my situation to them. I was told they had no program available and the minimum payment owed per month must be paid, which i could no afford. I was then sued in XXXX of XXXX. The hearing was today in which a judgement was filed against me. Which i plan to appeal. I feel my right were violated. How can we allow a bank to not have some type of hardship program. I have done this with other credit cards during my health issues. They freeze the card and take a payment until paid up to date then reactivate the card. No credit hit. No lawyers and extra fees. But this is what we allow them to do I guess. It just doesnt make sense. In addition refusal of allowing me to provide my online submittals asking for hardship help prohibited me from defending myself in court
Product: Credit reporting

This is my third letter to them in regards to accounts listed on my credit report with their organization that are the result of identity theft and they have failed to process my disputes pursuant to section 605B of the FCRA. They continue to send me letters stating that I am not providing the proper identification, and yet I have sent my driver 's license, tax forms, proof of address, police report, FTC affidavit and statement of identity theft with each letter. You sent a letter stating that you are declining to process my disputes as identity theft because you believe them to be either in error or because I received goods or money in exchange for this. I have submitted a complaint with the CFPB in regards to that as well as their continued failure to process my disputes, send me credit reports or provide me with further assistance as required under the FCRA. *I have never claimed identity theft in the past, and I have provided all required documentation. 
When I take them to court they will need to explain why they did not process my disputes and the only reason they will have is that one of their processors did not have the time or energy to investigate my accounts and took the easy route and sent me that notification. 
They have violated my rights under said section and I have no problems seeking the damages available to me. Not only did every letter get sent certified, but they were also faxed and received by them. I have the proof that these were received and that the required documents were sent with said letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

dates from XX/XX/XXXX TO XX/XX/XXXX AND XXXX CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE. I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS. XXXX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1.XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 1. CA BANKRUPTCY XX/XX/XXXX 2. TX BANKRUPTCY # XXXX INQUIRIES ARE THE INQURIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS
Product: Checking or savings account

On XX/XX/XXXX, my bank was stolen XXXX, and then I called to complain, my account was blocked, and my complaint could not be transferred to my account. The next day, the bank still transferred the money to someone else. On XX/XX/XXXX, the bank returned XXXX to me. The next XXXX said it was being processed, but today, on XX/XX/XXXX, they deducted XXXX from me. I don't know what happened. I want my money back
Product: Checking or savings account

on XX/XX/XXXX, i deposited a check of {$1300.00} through the mobile wells fargo app. wells fargo sent me notifications saying that the check was processed but the notifications can no longer be found. on XX/XX/XXXX, i paid {$700.00} on my credit card. i got confirmation that the {$700.00} went through. my ending balance on XX/XX/XXXX after paying my credit card was {$650.00}. my posted balance said that {$1300.00} from the mobile deposit was accepted and the funds were available on XXXX XXXX today, XX/XX/XXXX, i received an email from wells fargo saying that i have an available balance of - {$700.00} and i will need to pay a fee of {$35.00} 3x until my balance is positive. when i called wells fargo and asked what was going on, i was told that my check was being held for security verification reasons until XXXX XXXX even though the check was available on my posted balance, and able to be used to pay my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting by XXXX XXXX XXXX - Account No. XXXX Dear [ XXXX 's XXXX ], I hope this letter finds you well. I am writing to formally dispute the accuracy of an item on my credit report, which has been reported by XXXX XXXX XXXX. The information pertains to an account with the original creditor XXXX XXXX, with the account number XXXX. The details of the disputed item are as follows : Balance : {$400.00} Balance Updated : XX/XX/2023 Original Balance : {$400.00} Date Opened : XX/XX/2023 Account Type : Collection Account Status : Collection account. {$400.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 I firmly believe that there are violations of consumer protection laws and the Metro 2 Reporting Guidelines in the reporting of this account, and I am writing to formally request an investigation into this matter. The inaccuracies and violations I have identified are as follows : Lack of Verification and Validation : According to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request validation of the debt and verify its accuracy. I have not received proper validation and verification from XXXX XXXX XXXX regarding the debt in question. 

Inaccurate Reporting : The account is being reported as " Collection account. {$400.00} past due as of XX/XX/2023. '' This statement is misleading and inaccurate, as the debt has been fully paid off and has a balance of {$0.00}. The reporting is in direct violation of FCRA, which mandates accurate and up-to-date reporting of consumer accounts. 

Metro 2 Violation : The Metro 2 Reporting Guidelines are designed to ensure accurate and consistent credit reporting. The reported information is not reflective of the true status of the account and is therefore in violation of these guidelines. 

These inaccuracies and violations have a significant negative impact on my credit history and financial well-being. I kindly request that you conduct a thorough investigation into this matter in accordance with the FCRA and other applicable consumer protection laws. During the investigation process, I ask that you take the following actions : XXXX XXXX XXXX XXXX and request that they provide documented evidence of the debt, including verification and validation of its accuracy. 
Verify that the reported account information is compliant with the Metro 2 Reporting Guidelines.

Update my credit report to reflect the accurate and correct information regarding the status of the account in question. 
I am providing copies of relevant documentation, including payment records and correspondence with XXXX XXXX XXXX, to support my dispute. I trust that you will promptly address this issue and provide a resolution in accordance with the law. 

I would also like to bring to your attention the specific consumer protection laws and guidelines that pertain to this dispute : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Metro 2 Reporting Guidelines
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Bank account or service

Ally Bank charged an overdraft fee when, on my account, it is clearly stated that the deposit posted before the debit. They said there was a " hold '' placed on the deposit, but there is no record of it. When asked to refund the overdraft fee, they said no. This happened once before and they admitted their mistake and refunded the fee. 2nd time around? No refund. After going round and round with them, they STILL could n't tell me WHY I was charged the fee other than the " hold '' on the deposit- again- even though the deposit was posted AND time-stamped BEFORE the debit.
Product: Credit card or prepaid card

Every time I apply for A United Airlines sky miles credit card, chase declines my application claiming I was bankrupt and a plethora of other false adverse accusations of more than 7 years ago. I have not filed bankruptcy and my credit payment history is near perfect. I was also a victim of an identity theft where the culprits were prosecuted and incarcerated. The damage from that identity theft appears on my XXXX   credit report. Chase was given copies of the court documents and continues to discriminate against me by declining my credit card application.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX