23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a call and a voice mail from XXXX ( Northstar Location Services , LLC ) stating that I owe money. But I don't owe anyone money.
Product: Student loan

Navient misdirected me into student loan forbearance yet ignored my best interests in violation of its government contract to prevent me from moving to XXXX ( the student loan servicer that administers the Public Service Loan Forgiveness program ), so that Navient could continue to earn fees. For my loans to be in forbearance they accumulate thousands of charges each month making it nearly impossible to pay.
Product: Debt collection

RECEIVED A LETTER FROM: FROST-ARNETT, XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX, ATTEMPTING TO EXHORT XXXX FROM ME AND THRATENING LEGAL ACTION.

I DO NOT OWE MONEY TO ANYONE.
Product: Credit reporting or other personal consumer reports

I have multiple hard inquires listed on my credit file that I did not authorize. 
1. Inquiry Date : XX/XX/XXXX XXXX Creditor Name XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX-Creditor Name : XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : XXXX XXXXXXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXXInquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX. Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX This are all consider fraud as I have never authorized this inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since USPS tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I have also mailed all respective CRAs my FTC identity theft report as well as the North Carolina Attorney General. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft : XXXX XXXX accounts XXXX XXXX University accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card is reporting the wrong information its reporting that my account is delinquent and 30 days late when its not.
Product: Checking or savings account

THIS HAS BEEN A CONSISTENT PROBLEM WITH BANK OF AMERICA AND A MERCHANT NAMED XXXX XXXX XXXX  XXXX. THE MERCHANT ALLEGEDLY ISSUED A CREDIT OF XXXX TO AN OLD CREDIT CARD ENDING IN XXXX THAT BANK OF AMERICA CHARGED BACK TO MY ACCOUNT ALLEGING THAT THE MERCHANT SUPPLIED FALSE AND INCORRECT INFORMATION STATING THAT I RECIEVED THE MERCHANDISE WHICH IS FLASE. I WANT THE XXXX CREDITED BACK TO MY ACCOUNT ENDING IN XXXX IMMEDIATELY. THIS IS A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED IMMEDIATELY. BANK OF AMERICA HAS BEEN MOST UNCOOPERATIVE IN THE MATTER.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy. 

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

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

Good morning, AES misleads lenders in their communications. Recently, I fell behind and received a notice saying that my account was past due by a month. That is fair. But AES does not specify exactly how much is past due and how much is currently owed. They only give the customer the total amount owed.
This can give the customer the impression that twice as much is past due. I have raised this concern with AES and they did not know how to address this.
Product: Debt collection

This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 
I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and that the following accounts and inquiries appearing on my credit report are fraudulent. As a result, I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8400.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. DPT TREASURY - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$2800.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$6300.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$920.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1900.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$780.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1200.00} Fraudulent Inquiries to Be Blocked and Deleted : XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Federal tax lien ref # XXXX with Transunion twice and even filed a CFPB complaint about how incorrect the item is reporting. The same item has been reported by the other credit reporting agencies and was REMOVED due to the incorrect information being reported. The filing date and even the amount is incorrect and this lien is not in any way, associated with my name, social, nor my DOB. This item must be removed immediately!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account number XXXX
Product: Vehicle loan or lease

I have called them and tried to email them about XXXXXXXX XXXX and balance that was left after they sold the car
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX, XXXX of 2023 In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On Sunday, XX/XX/2021, when I wake up around XXXX and tried to check email, I could not sign in. Then I checked my coinbase pro account to see the activity, it was also not letting me in. Then I realized my XXXX XXXX service was out, but internet was working through my home Wi-Fi. I tried to reset my XXXX account as well as coinbase pro account. I went to coinbase support and email about the incident. After several attempts, I was able to reset my password for email. Then I realize my t mobile service was back and was able to reset coinbase account. I saw all my virtual currency was stolen and left with approximately {$160.00} cash balance. But after few minutes the coinbase pro account signed out automatically and locked. I emailed coinbase support again about the account transaction. Then I immediately called XXXX XXXX customer service about the incident. XXXX XXXX representative acknowledge that my sim was swapped by an unauthorized person around XXXX in the morning and the fraud department later detect the fraud and redirect the sim back to my phone. During this couple of hours of time frame the hacker was able to get into my email, change the email password, get into my coinbase pro account, change the password, and transfer the virtual currency. Also, the hacker deposit {$1000.00} instantly from my linked bank account to buy more virtual currency and transfer that too. I found that Monday morning when I was checking my bank account. It shows as the transaction to coinbase was in process of transferring from my Bank. Since I called my bank on Sunday to stop all transaction from coinbase, they were able to reverse back that {$1000.00} transaction. I informed this issue to coinbase support too. I got a case number from coinbase, but my account is locked. Try to call coinbase customer support but can not have live person to report. Not sure how coinbase is handling the case. Need help to get my money back. Also, called t mobile several times regarding sim swap, they accept its their fault but not willing to compensate the loss. Do not know where to call or how to get help to get my money back. Please help. Thank you.
Product: Checking or savings account

My checking account number ending in XXXX was closed by Wells Fargo on XX/XX/year>. The account was closed due to erroneous mishandling, proper direction and instructions from Well Fargo Bank. I have since filed several claims to have this issue corrected but Well Fargo refuses to comply with my requests. I have pointed to many facts about an email that was left out of the fact findings done by Wells Fargo and its employees. It seems many key items have been overlooked and unaddressed my the Well Fargo team itself, XXXX of which includes the balance that was on the account at the time of it being closed. After the account was closed, I asked Wells Fargo associates when to expect to receive the balance on the account, and I was told I would receive a check in XXXX business days. Because of the claim I filed and investigation immediately after the account closer, I was then told by a Wells Fargo associate handling my case that it would be XXXX business days. 
Needles to say, it is XX/XX/XXXX and I have yet to receive a check that represents the balance that was on account prior to closer. I have questioned Wells Fargo associates on many occasion during the account investigation process about the funds on the account but there has been no resolution. Its has been XXXX business days, and 80 days since my account has closed. I am very concerned about the banking practices that are being mismanaged at Well Fargo and the negligence that is being displayed by these actions, 12 CFR Part 337 Unsafe and Unsound Banking Practices points to exactly these actions and are illegal and unlawful. I am also seeking to assess penalties to Wells Fargo for negligence to preform its fiduciary responsibilities when it has been presented to them on several occasions in the situation. 
In conclusion, I want to make Wells Fargo Bank fully aware that Under the Federal Reserve Act Section 29 which states there are 3 tiers that Wells Fargo Bank will be assessed for violations under the provisions of this act. Under the First Tier any member bank, and any institution affiliated party with respect to such member bank who violates any provision of section 22, 23A, or 23B or any regulation issued pursuant thereto, shall forfeit and pay civil penalty of not more than {$5000.00} of each day during which such violation continues. The fiduciary responsibility of Wells Fargo in this matter can not be ignored and will not be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have complained and disputed twice now with XXXX XXXX about an Error with a lender ( Kia Finance ). They have not been in communication me nor has resolved the issue. This issue was resolved almost immediately with XXXX  and is currently being disputed with XXXX. They have all relevant documents needed to rectify the matter and not sure what the hold up is.
Product: Debt collection

I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address. 
.
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, and XXXX XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow I'm reporting as an authorized user on accounts unknown to me nor do I know who added me. Please remove me from these accounts immediately. I'm asking that these accounts to be blocked from my credit files. 

1 ) XXXX XXXX {$14000.00} 2 ) XXXX XXXX {$4500.00} 3 ) XXXX XXXX {$4600.00} 4 )  XXXX XXXX XXXX Also I'm disputing this account as well XXXX XXXX XXXX, please remove
Product: Debt collection

I had a company contact me stated I owe them debt, however I never got any written or noticed from there stated this is 100 % accuracy. 

Also I was paying my debt to a company by the name of XXXX XXXX which did state they had my information from the company they was collecting from which is XXXX XXXX. 

However I was about 35 + days late on my payment agreement I had with XXXX XXXX. So what happened supposedly is they sold my information to another company which is called Global Solution Biz LLC Now I sent them a Debt Validation Letter confirming this information is accurate, Now during this process I made sure it was certified mail, so I can have a tracking stamp as to when they received it. The date they received my letter was on XX/XX/XXXX Friday at XXXX tracking number is here : XXXX with USPS Well I know during this process the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

However they are still contacting me today harassing tell me they are going to send out a quick track enforcement team to my home address and business and freeze my attached bank accounts and call my car loan bank which has my car loan. They failed to provide information as requested, They are threating me about freezing other accounts, they are validated laws with commutation tactics. They even fail say on the phone " they are a debt collector & attempt to collect my debt '' Please help me as I filed a XXXX and send this information to my general Attorney office The companies information is here : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a certified letter dated XX/XX/XXXX I requested Equifax and XXXX  to delete several accounts from my report. 

Per U.S. Code 1681b ( 2 ), the consumer must provide written approval for an account relating to that consumer to be reported by any consumer reporting agency. I have not given such approval for the referenced accounts. These accounts have used my personal identifying information without my implicit written authorization, which is Identity Theft as defined in 15 USC 1681q ( 3 ).

Instead of deleting the accounts, Equifax merely removed the name of each account but still kept the information on the report. 

On XX/XX/XXXX I called XXXX  to request for certain accounts to be removed, per the above referenced laws. One agent refused to listen to what those laws said and mistakenly said it's not allowed, another said I needed authorization from the creditor, and the 3rd said I needed to submit a dispute for each account. So far, only some accounts from the deletion request were removed from my XXXX  report. Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and on XX/XX/XXXX these accounts with amounts and balances XXXX XXXX  XXXX {$510.00} XXXX XXXX  {$510.00} XXXX XXXX XXXX ( XXXX XXXX {$530.00} not related to any transaction I have had. 
XXXX  XXXX ( collection ) {$540.00} not related to any transaction I have had. 
XXXX XXXX ( collection ) {$1000.00} not related to any transaction I have had. 
XXXX XXXX XXXX ( collection ) $ {$520.00} not related to any transaction I have had. 

XXXX, Equifax and XXXX have reported as recent as XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by GM Financial. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at GM Financial XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to GM financial regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My GM Financial statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXXXXXX XXXX late, and I am requesting an immediate update to all XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian refuse to recognize that XXXX XXXX XXXX, where I live address is XXXX XXXX  XXXX XXXX, XXXX XXXX I am also and also have a irrevocable trust Owner : XXXX XXXX XXXX XXXX XXXX where are serve as Sole Proprietor : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Property description : duplex Property identifier XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Like dimension XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX receive religious holistic therapy located address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX as a ordained missionary Please recognize I do business this way and I have titles to my name 's that I have really to legal names my birth name and my DBA both are my legal namelegal this is my legal name one of them because is a lleage DBA
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information should not be appearing on my Equifax report and they keep putting it back when all this should have been removed. It has been an ongoing problem with them. XXXX and XXXX cleared it from my records but Equifax keeps being difficult. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$1600.00}
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt that I do not owe. My credit profile took a huge downfall due to the company reporting several accounts as collection accounts. The information they are reporting to the credit bureaus is incorrect. The company bought this medical debt and the original creditor is XXXX XXXX Department. The accounts that XXXX XXXX XXXX are attempting to collect have " service dates '' that were covered under a charity care that was provided to me from the hospital, XXXX XXXX XXXX XXXX. XXXX XXXX Department utilizes this charity care program as well. Due to communication issues not involving me, my charity care was not forwarded to the XXXX XXXX Department and my coverage was not applied to several accounts. In addition, these same accounts were sent to collections without notification to me and, as expected, really hurt my credit profile. In an attempt to help this matter, I provided documentation to the XXXX XXXX Department showing that I was covered 100 % during the service dates. I have had several communications with XXXX XXXX Department over the phone and via email and they are aware of the situation and said they have forwarded information and documentation to XXXX. However these accounts are still reporting as of today. I feel this is unfair and I would like this fixed immediately. I want to ensure that XXXX XXXX XXXX corrects these errors, remove this information, and cease reporting this incorrect information to all three credit bureaus. I also want to prevent this incorrect information from being reported again in the future and/or sold to another collection agency. I would like this situation cleared up immediately. Thank you.
Product: Mortgage

The mortgage company, Wells Fargo, miscalculated the initial deposit of funds into my escrow account. Now my account is approximately {$3400.00} short. Our house was NOT new construction. I have been working with Wells Fargo mortgage department for over the last XXXX weeks and I have still not be able to resolve the issue. Wells Fargo has refused to accept the blame for the mistake and will not return phone calls ( including supervisors XXXX. I have reviewed all my closing paper and HUD-1 statement with my relocation company, the closing title company, my realtor, and an old realtor we used to sell two previous house ( in another state ) and all parties agree that Wells Fargo made the mistake. I think Wells Fargo 's consumer service is completely unacceptable and it appears that they do not care. If anyone else made a similar mistake in another type of business they would be held accountable to correct the mistake at their expense. I want this issue resolved ASAP.