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

I have been trying to dispute some accounts that is on my credit report that been impacting me very negatively. The accounts on the report was incorrect, inaccurate or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX {$0.00} OPORTUN PROG I AUTHORIZED CFPB to receive information on my behalf
Product: Money transfer, virtual currency, or money service

I withdrew XXXX last XXXX from my account. It said pending for over 10 days to find out they were never going to pay me because they claim my social security number was incorrect. Lies. Then i filled out a w9 still nothing. I never got my money but they paid the irs 24 percent. My money was taken out of my portfolio but I never received a cent. I have been back and forth with this for almost a year I want my money I closed my account and now have no access to my statements
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided all three bureaus copies of my report filing from where someone stole my personal information and obtained credit in my name without my knowledge. To date the bureaus have not removed these items as clearly required by law according to my attorney. They have also not provided details of how they claim to verify these items even though we have requested these details several times now. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Fair Credit Act 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 

These are the accounts in question : XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

so my account Ally Financial was wrongfully sold to another debt collector without my consent. now that someone has my personal information they are reporting XXXX that i dont owe.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My new checking account hasn't been open not even a month before wells fargo closed it. The reason why wells fargo feels that way about me with such malic against me. Was because XXXX XXXX already defamated my character. Well before I open my checking account. She made sure that everyone at wells fargo new about me. My insurance company used wells fargo. So I went to a wells fargo bank to cash my insurance check for hail damage. All the bankers stared at me like I was some type of criminal. This banker XXXX XXXX wouldn't leave me alone about wanting to open a checking account with them. Which I didn't want in the first place. Then she proceeded to make fun of me and my sons facial features. All due to their employee XXXX XXXX slandering my name. Which makes wells fargo libel for their employees actions. Wells fargo hated me well before I opened my new checking account. Well before I even had a account at wells fargo. 

They weren't exercising their right to close my account. When i opened my first account until AFTER, XXXX XXXX falsely accused me of harassing her. Wells fargo owes me damages for all the pain and suffering caused by XXXX XXXX. With her calling the police on me while I was at the bank. 

This is why i am so angry. They let me open a new checking account, but to only closed it not even a month later. I was kept in the dark. When I tried to make a purchase and my purchase was delined. I went to call wells fargo, with a banker told me the business relationship went bad. I just opened this account. Now i can't do any business with wells fargo because of XXXX XXXX. 

I don't care about their stupid cause. They didn't have a right to close my account. By forcing me to drive back and forth to the bank to open a new checking account. This violates my civil rights telling me I can't enter a wells fargo back. Even if I have a check made out to me with wells fargo bank all because of wells fargo slanderous false accusations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXL Account number : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>
Product: Mortgage

Issues I have with Carrington are the following : 1- Carrington has neglected to respond to our Faxed/Telephone/Email request for the following : Payment of {$1400.00} was made on XX/XX/XXXX to bring my property tax that I was behind to {$0.00}. Carrington had already paid property taxes for the XX/XX/XXXX/XX/XX/XXXX before I made this payment. So that from this date forward Carrington would be able to collect escrow for the next years taxes and continue to show me current. 
This has not been the case! 
Also the payment I made is not reflected in the 12 month history and the Research department was asked to work on this and had 30 days to come up with a solution to what happened and has neglected to respond. 
To confirm that payment was made I have the online bill paying receipt # of XXXX received from Carrington that very day [ XX/XX/XXXX ]. 

2- On XX/XX/XXXX I started, with my counselor from XXXX XXXX XXXX for Homeownership, a program with Carrington to " catch-up '' my property taxes that were in the negative. The representative [ XXXX ], was going to provide a 3 year program to become current with my property Taxes. I sent a Qualified Written Request [ per XXXX 's advice ] to ask for a 5 year program to catch up my properly taxes and Carrington came up with a 3 year program instead. 
My problem is I have no record that I am in a 3 year program. No record of a correct escrow. The escrow is showing funds I have asked to be put on my principle [ I paid extra and made sure I requested " for principle only '' ] are showing up on Escrow and yest instead of escrow going down it has gone up. Please explain to me in simple terms how this can happen when as in # 1 above shows I was current. 
Also in this arrangement I confirmed with Carrington that there was no penalty for early payoff. 

3- Because of the Carrington 's Escrow 's many inaccuracies, my payment [ PITI ] has never gone back to what it should be. I received a XXXX % Loan Modification through XXXX that brought my payment down to {$510.00} [ PITI ] and has never been this mortgage payment with Carrington. I would like to have an explanation of why I am not making my HAMP Modification payment of {$510.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I weve into a XXXX  on XX/XX/21. Upon check out I was told by the cashier I could apply for a point system and get 15 % off. I was told it would not affect my credit score. The worker said there was an error message and the company would alert me by mail. When I got home I saw alerts from Experian that I had a new credit card inquiry. I alerted the company and they told me to write a letter to dispute it. The other credit bureaus removed the report. However, I checked yesterday and Experian still has this incorrect inquiry on my credit report. This is very concerning because they also have incorrect information about my bankruptcy including false amounts on multiple accounts and my student loans are not listed as forgiven as they should be.
Product: Credit reporting

CB deleted account for XXXX on XXXX XXXX and the account was added back in XX/XX/XXXX2016. Equifax failed to validate the debt in 30 days and continues to allow the company to report to my credit at their leisure without validating said debt. I have sent letters to both Equifax and XXXX to resolve debt and have it removed to no avail. Equifax continues to violate my consumer rights by allowing this company to place unverified information on my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I send {$100.00} dollar to my sister using the Remitly aplicacin, my sister never received the money, she went to the bank and they told her no money was sent, they provided her with statements showing her no transactions from Remitly nor United States. Ive been calling but no solution, nothing solved, just the transaction of the day I sent the money. I send them email and nothing either, its been a lot of times that I called trying to solve this issue and they are not doing anything.
Product: Credit card or prepaid card

Getting charged late fees on my account when my account is on auto pay
Product: Credit reporting or other personal consumer reports

Transunion Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *HAVE ALREADY CONTACTED THE CREDITORS AND THANKFULLY NO ACCOUNTS WERE OPENED DUE TO THESE INQUIRIES. JUST NEEDING TO GET THESE INQUIRIES REMOVED SINCE THEY WERE FRAUDULENT* *i 'VE ALREADY PUT IN ANOTHER COMPLAINT BUT YOU HAVE ONLY REMOVED THE " XXXX XXXX '' BUT COULDN'T COMPLETE THE REST BECAUSE YOU COULDNT VERIFY MY IDENTITY. IM GOING TO ATTACH THE THEFT REPORT ALONG WITH A COPY OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ALONG WITH A UTILITY BILL SO THAT YOU CAN CONFIRM MY CURRENT ADDRESS.
Product: Debt collection

Had an account with XXXX XXXX XXXX in 2016. During that time XXXX XXXX XXXX had messed up on billing and waived the charge for the modem due to multiple phone calls that had to be made and the miss communication. Since that time IC Systems took over the account. I have reported this as incorrect multiple times and have also talked with XXXX XXXX XXXX on 3 different occasions which they found the information in their notes of the waived charge. They have been asked on multiple occasions to correct this yet 2 years later it is still on my credit report but I have not heard anything this entire time from IC Systems. This is hurting my credit for a debt that is not owed. Would like resolution immediately.
Product: Credit reporting or other personal consumer reports

Experian credit reporting has been putting wrong names on my credit report and also an address from XXXX stating that that is me and was on my credit report. Ive never lived in XXXX and my full name is XXXX XXXX XXXX XXXX. Experian has reported false names on my report that are not even close to being my name or accurate. I asked for the accounts that the fake names are associated with and also the fake address and Experian never gave me documentation showing what accounts were linked to the fake names and the fake XXXX address. as Ive stated, I always use my full legal name for any lines of credit or anything financial because of tax reasons, and I have never lived in the state of XXXX my whole entire life and yet they still reported it without verifying it. Then I received a notice that they took the names and address off of my report, but did not give me any of the original documentation for any accounts that were linked to those fake names and fake address. Attached below you will find snapshots from my phone showing the information that Experian was reporting on my credit report they since have removed the information but has not provided me with all documentation that was associated with those names and address. Which I requested so I could take legal action to have these things corrected And hold those responsible for using my information.
Product: Debt collection

Tek collect called me and texted me. I never agreed with the lender to be contacted by a 3rd party.
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 {$250.00}. 
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 ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$250.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX XXXX Account number - XXXX INQURIES XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit card or prepaid card

Hello this is in re : to Amazon {$16.00} Leg Loose Jumpsuit Romper due on XX/XX/2019 Amazon canceled my order for nothing, I paid for XXXX for XX/XX/2019 so Amazon needs to refund me the money back, -Amazon is going down because now they have resorted to underhanded things like selling my debit info to others companies-sad. 
Amazon claims to have {$30.00} in return funds in return products for me- I would need them just to send to me, most of their new workers can not speak English -this creates a new problem with billing if your staff can not understand, Once -I ask when the product was coming and the staff person - said if you don't like it-just return it. I knew then it was a language barrier going on.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. 

This issue aligns with the recent CFPB against Navy Federal for similar practices, where transaction settle with insufficient balances despite initially available funds. 
I believe these transactions are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I filed a report with your office Money lion did contact me and told me that a refund of XXXX was sent to my bank there has been no payment made the gentleman I was dealing with requested I show him screenshots of my accounts I complied still did not receive a refund! I still have an account with them how hard is this to put the money in the account???? The amount was XXXX and I told him that he said the price is no negotiable? I have bells palsy and me stressing is making rhis worse. Action needs to be taken today. This is just sad.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX in 2019 bankruptcy and it still in my XXXX account
Product: Credit card or prepaid card

I received a gift card to be able to get gas, food, etc., so I could make it home. I went to the website directed on the back of the card and it gave an error. I called the number of the back of the card and was told that I went to the wrong website and I couldnt use the card. I wanted to know why and they stated that it was the wrong website, I stated the website is on the back of the card. I stated that I was stranded and that I was going to file a complaint, he now all of sudden he states he can hear me, he stated 2 more times quickly and then hung the phone up. I have no way of getting home.
Product: Mortgage

I am a homeowner in California with an XXXX XXXX XXXX. During the Covid-19 pandemic, due to a hardship from COVID-19, I entered into a Covid-19 hardship forbearance plan with my servicer # # # Mortgage from XXXX through XXXX. Just prior to the completion of the Forbearance plan, I applied for, and was approved and offered a loan modification from # # # Mortgage on XXXX. However, there was a big problem with the modification as it was presented to me. It stated that I was denied the Owner-Occupant XXXX XXXX XXXX  XXXX  due to the fact that PHH could not achieve a minimum 25 % principal and interest payment reduction as required by investor guidelines. It also stated that I was denied the Covid-19 Standalone Partial Claim due to # # # Mortgage being unable to Verify that I live in the property as my primary address. Lastly, I was denied the XXXX XXXX XXXX, as # # # Mortgage could also not verify that I live in the property as my primary address. The only Modification I was approved for and offered was the Covid-19 Non- Occupant Loan Modification. I however, immediately contacted # # # Mortgage and informed them that I did indeed live in and have lived in the property as my primary residence since purchasing the home in XXXX of XXXX. I informed them that they made an error in presenting me the XXXX XXXX XXXX and I was told upon several instances that the corrected Loan Modification would be presented to me. In fact on XX/XX/XXXX, I and an XXXX  counseling agent called on a conference call to formally explain the error. However, as of this date of XX/XX/XXXX, all I have received from # # # Mortgage have been stalling tactics via letters and phone calls that have not led to correcting the error. In fact now I have received a formal denial letter stating that I did not return the required documents in a timely manner. The letter states that my only option available now to stave off a foreclosure is a Short- Sale or Deed in Lieu. Please help me get this matter corrected and stop # # # Mortgage from taking my home by using these erroneous and aggregius tactics of falsely and possibly illegally denying my rights to a proper XXXX XXXX XXXX XXXX XXXX XXXX  offer. Thank You.
Product: Checking or savings account

On XX/XX/XXXX a Chase Employee made a " mistake '' and " accidentally '' closed my account and debit more than U $ S XXXX. I'm complaining since then and still my money isn't back into my account. I NEVER GAVE CONSENT on this debit or closing my account and Chase employees tell me they can't do anything. I wasn't able to pay my rent due to this issue and it's been now more than 10 days contacting Chase almost every day and they give NO SOLUTION. Please, I want my money back into my account NOW. Attached you can find the screenshot.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX