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

This is my new complaint that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4200.00} XXXX  XXXX Balance Owed : {$15000.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -XXXX  : XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX Balance Owed : {$27000.00} -- -- -- -- -- -- -- -TransUnion : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXXXX/XX/XXXX. 
If you claim these items are XXXX  % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bear my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/2020 under the account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/2020 under the account number XXXX, a personal loan opened at XXXX on XX/XX/2020 under account number XXXX, and another personal credit card opened at XXXXXXXX XXXX on XXXX XXXX under account number XXXX. These accounts have resulted in fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX, and # XXXX as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts as collections are the result of identity theft and fraud.
Product: Debt collection

I have contacted and sent Fraud Affidavits to Nationwide Southeast. Also, I have disputed this account with XXXX and XXXX who stated that Nationwide Southeast verified that this account belong to me. I find that hard to believe since I was never able to get a response back from Nationwide Southeast. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.
Product: Debt collection

I WAS NEVER notified of the DEBT, I ONLY FOUND OUT AFTER I SAW IT ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XX/XX/XXXXXXXX Thank You in Advance for your Cooperation.
Product: Checking or savings account

On Sunday, XX/XX/XXXX XXXX MT I received an email about a Capital One 360 Checking account being open. I then received XXXX follow up emails about contact information getting changed. The next morning I received a text message about this phone number getting added to the account as well. 

I called Capital One 's fraud department on Monday, XX/XX/XXXX and they reported that indeed an account was opened in my name and closed it. Proceeded to check all three credit reports ( XXXXXXXX XXXX XXXXXXXX ) and saw no fraudulent activity.
Product: Checking or savings account

I closed an account in XXXX XXXX  in XX/XX/XXXX and deposited the teller 's check to a new checking account in Capital One. On XX/XX/XXXX, one year after the deposit, Capital One withdrew the money and will not give me access to the funds. They said that ever since the money was deposited, a year ago, they have been trying to reach me for some clarification. I have not received any phone calls from them and the first time that I noticed the problem was when my funds for {$11000.00}, were withdrawn. They claim that they have returned the money to XXXXXXXX XXXX  I closed the account with XXXXXXXX XXXX  when I opened the Capital One account. So I asked Capital One to give me information on how they returned the money ( tracking number, date, copy of transfer, etc. ) so that I can approach XXXX ... Capital One has refused to give me any further information and has left me fending for myself. They have made the whole issue like a fraudulent transaction and are not taking any responsibility. I have gone there along with my husband, with a notarized document showing details of my identity and my husband 's identity and source of funds, but they are very hands-off. At this point, the $ XXXX  plus is not accessible to me and Capital One has not helped and in fact has been very abusive. I have a list of their employees that I have been dealing with for the last 8 days. The whole file is apparently with the fraud department, which does not make sense.
Product: Credit card or prepaid card

I have a problem with synchrony bank which services QVC. I made a payment for my XXXX statement ( payment due mid XXXX ) Payment was made on XX/XX/XXXX  for statement balance. {$55.00}. Next payment due was XX/XX/. I made a payment on XX/XX/XXXX  for the XX/XX/XXXX payment in the amount of {$200.00} ( statement balance ). I received the new online indicator that my payment is delinquent and I am being assessed a late fee of {$5.00} on XX/XX/. I called the company XX/XX/XXXX  around XXXX spoke with XXXX, who would not resolve and said I made the payment 3 days before the next billing cycle for XXXX so they would not apply it to the XXXX cycle. ( even though it is after the due date of the XXXX  billing which was already paid ) I asked for a supervisor. Spoke with XXXX who is based in Ohio. He would not provide last name. Spoke with him around XXXX or so. He also reiterated that they will not remove the late fee and I am reported as late to the credit bureaus even though I pre-paid for XXXX 's bill. He verbally told me the XXXX statement I was delinquent for was {$5.00} even though I made the payment on XX/XX/XXXX  for {$200.00} which was the amount their website said was the new statement balance for the XXXX statement.
Product: Checking or savings account

S

everal times in the past 3 months, I've been charged overdraft fees by PNC bank, even though as of midnight the night before, there have been no pending charges or posted charges on the account which put the account into a negative balance. THEN, the next day ( generally when I wake up and check my account - XXXX or XXXX ), I'll see a transaction show as posted to the day before, in some cases multiple transactions, and overdraft fees of {$36.00} for each transaction.

PNC 's response is that the transactions show as posted the day before. In this most recent case, today is XX/XX/XXXX. As of midnight last night, or just before, XXXX, my account had a balance of {$.00} cents. I woke up today to see a balance of {$460.00}. Overnight, my unemployment funds from the state of NY were deposited into my account, {$500.00}, BUT a {$7.00} charge ( again which did NOT show up in any way shape or form in the account on XX/XX/XXXX ) shows up as " posted '' on XX/XX/XXXX, and an overdraft fee of {$36.00} was assessed. The math here is {$500.00} - {$7.00}, resulting in {$490.00}, minus the overdraft fee of {$36.00}, leaving {$460.00}.

I've discussed this with two different CS associates at the bank, and had the issue escalated, only to be told they are not allowed to issue a " courtesy refund '' of the fee. I don't see how this is even a courtesy, I can't ensure funds are in my account to cover charges which are not there. As far as I know, I have {$500.00} coming into the account the next morning ( today ) and a balance of XXXX cents at XXXX the day before, how am I not covered for a {$7.00} charge coming in? This {$7.00} was an outstandig ACH transaction, which could obviously be debited at any time, but it wasn't debited on the XXXX, so it's unfair I be charged a fee just because a charge appears the next day with a retroactive posting date.
Product: Checking or savings account

I bank with Navy Federal Credit Union and I always get notifications of my account over drafting due to insufficient funds. Even though I always have the funds and then they transactions pend for days instead of taking the funds instantly which causes my account to overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX there was a collection from XXXX XXXX for an unpaid phone bill that appeared on my credit file. 
I was in the process of refinancing on my Mortgage and all unpaid collection account needed to be paid in full in order to complete the Loan. 
The account was settled. I was told by the XXXX XXXX department that this will be removed from my credit file. 
Now in XXXX this XXXX account still appears on my report. 
This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opploans was sent a debt validation letter on XX/XX/22 and an employee at the corporation signed for this delivery on XX/XX/22. They have not sent anything since then, and the company has not responded to any of my letters after me asking for debt validation which includes a WET SIGNATURE, they were given 30 days to have this REMOVED from my report and it is still currently reporting to all three credit bureaus NO PERMISSIBLE PURPOSE WAS GIVEN FOR THIS CORPORATION TO REPORT ANYTHING ON MY CONSUMER REPORT. THIS IS ILLEGAL AND IS IDENTITY THEFT! I have also filed a report with the FTC and XXXX Certified Tracking # XXXX They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports
Product: Student loan

I have had several issues with Mohela which all of them are related to what you see below. My account has not been updated for PSLF. Please review below. They have not responded to any of my 5 complaints or 6 emails .PSLF application was processed on the XX/XX/XXXX Subject : Complaint Attachments Mohela Received Date XXXX XXXX XXXX XXXX Your Question : Hello, My PSLF Manual Application was Processed on XX/XX/XXXX, according to your system. I know there is some waiting time where Mohela has to request my loan from my current servicer, which has taken a while, but I want to make sure I am going to get Waiver applied. I have gone through a lot to get this transferred, and if I am not going to get credit for the waiver, I could have left my loan with my current servicer, so any clarity you can provide would be great. I appreciate your time. I was told back in XXXX that this would take 90 days from the date that the PSLF application was processed. My original PSLF was processed on the XX/XX/XXXX application for the waiver, so my question is, when will my application/waiver be processed, and how long will it take for my count to reflect the payments I made with my original servicer before consolidation? XXXX XXXX MOHELA 's Response : Dear XXXX XXXX XXXX XXXX Thank you for contacting MOHELA. Due to the complexity of your request, please contact us at the number below. Sincerely, Customer Advocacy Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correspondence : XXXX XXXX XXXX, XXXX, MO XXXX Payment : Department of Education MOHELA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX mohela.com XXXX XXXX MOHELA This message , from a debt collector, is an attempt to collect a debt. Any information obtained will be used for that purpose. California residents : The state XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX or after XXXX XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov.
Product: Credit reporting or other personal consumer reports

It appears that the inquiries on my identity theft affidavit were not made with my consent and are not attached to any accounts that belong to me.Please remove in accordance with FCRA and FDCA laws.
Product: Credit reporting

My credit report shows payments were missed for over 90 days when this loan was paid off months before that. I have disputed this and nothing has been done thru equifax. On the other hand XXXX has fixed my situation. How is it possible to show a credit of over XXXX with one company but then show XXXX with the other. Not sure what else to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having some issues on my credit report. I have inaccurate information showing My name is XXXX XXXX XXXX. my DOB is XX/XX/XXXX. My currnt and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My phone number is ( XXXX ) XXXX. My current employer is XXXX XXXX XXXX. 
The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX The following phone number are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XX/XX/XXXXXX/XX/XXXX
Product: Consumer Loan

HELLO, I TOOK OUT AN AUTO LOAN BACK XX/XX/XXXX WITH SANTANDER CONSUMER. THE LOAN WAS FINANCED AT {$13000.00}. OVER THE COURSE OF THE LOAN I HAVE HAD LIFE ISSUES AND HAVE PAID PAYMENTS BEHIND, TAKEN DEFERMENTS AND WENT THROUGH A PAYMENT REDUCTION FOR A SHORT PERIOD OF TIME TO HELP ME. AS OF XX/XX/XXXX I HAVE MADE XXXX PAYMENTS OF {$390.00} WHICH IS A GRAND TOTAL OF {$20000.00}. I WAS TOLD THAT THE BALANCE STILL DUE WAS XXXX AND THAT NONE OF THAT MONEY WENT TO THE PRINCIPAL BECAUSE OF PAYING BEHIND. I HAVE ONLY RECEIVED THE STATMENTS REGULARY IN THE MAIL. I HAVE NO PAPER WORK TO SHOWING EXACTLY WHAT THE FUNDS WERE ALLOCATED TO. I WAS TOLD THAT THE ACCOUNT WOULD BE CHARGED OFF ONTO MY CREDIT. I HAVE MORE THAN PAID FOR THIS CAR THAT IS CURRENTLY WORTH AROUND {$3000.00} AS THIS WAS A XXXX NISSAN. THE CAR WAS N'T EVEN BRAND NEW WHEN I GOT IT. I BOUGHT IT FROM XXXX XXXX LOCATED IN XXXX, GA. I WAS TOLD THAT THEY NO LONGER DO BUSINESS IN XXXX, BUT IN XXXX. BOTH LOCATIONS WERE SOLD TO MY SUPRISE.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal notice through the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent accounts on my credit report. in complaint iD : ( XXXX ). 
According to 15 U.S.C. 1681c-2, your agency is required to block fraudulent information within four business days of receiving such notification. 
As of today, XX/XX/year>, more than four ( 4 ) business days have elapsed since my initial submission, yet this fraudulent information remains on my report. You have failed to comply, leaving this information on my report in violation of the Fair Credit Reporting Act ( FCRA ). This disregard for FCRA timelines constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o.

Additionally, by failing to ensure the accuracy of my credit report, your agency has also violated 15 U.S.C. 1681 ( a ) ( 2 ), which mandates that consumer reporting agencies adopt procedures to assure maximum possible accuracy of the information they report. I have suffered significant harm as a result, including denial of credit, employment, and severe damage to my reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In light of these ongoing violations, I demand immediate deletion of these fraudulent accounts from my report and written confirmation of your compliance within 10 business days. I also reserve the right to pursue damages for the harm caused to my financial standing and reputation. Please be advised that if this matter is not resolved promptly, I will pursue legal action to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of multiple unknown and inaccurate accounts. As a victim of identity theft, my personal information was used fraudulently, resulting in these unauthorized accounts being added to my credit report. Following TransUnion 's guidance, I promptly filed an FTC Identity Theft Report and submitted it, along with all necessary documentation, to resolve the matter. Despite these efforts, these fraudulent accounts remain on my report, causing undue stress and harm to my financial standing.
Product: Checking or savings account

On XX/XX/XXXX, the bank allowed {$460.00} go through my bank account when there were not enough funds to cover it. This should have never been sent through without funds to support it. Therefore, I have incurred {$140.00} of overdraft fees because of their error. The same exact thing happened last year, and they did NIT allow it through. I asked why this time, and the rep said it was discretionary. Well, they used bad discretionary choices this time, costing me because of their bad decision. I asked to speak to a Supervisor and the rep said the supervisor couldnt or wouldnt speak to me, but worked behind the scenes then still denied me of reversing the charges. This is just plain wrong.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on 08/18/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a dispute against XXXX XXXX to all 3 credit reporting agencies. XXXX XXXX advised Experian to DELETE XXXX XXXX account from my credit report. Experian has deleted all information about my XXXX XXXX account as if the past 5 years of excellent credit with them did not exist. XXXX XXXX does not have the right to have any information deleted from my credit report!!! And the credit reporting entity should not have deleted information without consulting me first.
Product: Debt collection

I have disputed the Credit Collection account with the credit bureaus and each time they said the collection agency verified the debt as reporting correctly. I am unaware of this account entirely so I am unsure on how the credit bureaus can say this account is reporting 100 % accurately. With that being said, I sent a request for validation, contract with my signature, full account ledger, forward flow agreement and everything Credit Collection has in their possession regarding this debt. I did not receive anything from them. I guess because its easier to verify a debt through XXXX but more difficult to produce documents that proves I am the correct consumer, they have the right to collect the debt, the debt is reporting 100 % correctly and that the amount they claim is in fact due. Since I didn't get anything I am demanding this account to be deleted from my consumer reports. I have took the initiative to reach out to speak with a consumer law attorney regarding this account and I was informed that I could be awarded up to {$3000.00} and my attorney fees would be covered. I am seeking a deletion of this account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX, Experian, and XXXXregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness.