23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

MIDLAND CREDIT SERVICES ARE REPORTING INACCURATE INFORMATION REGARDING ME TO XXXX AND OTHER CREDIT REPORTING AGENCIES. THEY DO NOT HAVE THE RIGHT TO PLACE THIS DEFAMING INFORMATION ON MY CREDIT FILE AND I AM REQUESTING PROOF THAT THIS ACCOUNT WAS OPENED BY ME AND WHAT CHARGES INCLUDING ALL RECIEPTS, DATES, AND SIGNATURES TO SHOW PROOF THAT THIS IS MY ACCOUNT AND PROOF THAT THEY HAVE ANY RIGHTS TO PLACE THIS ON MY CREDIT FILE. I WANT THIS REMOVES IMMEDIETELY AND RESOLVE BEFORE I PROCEDE TO HIGHER LEGAL AUTHORITIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, 602A, and 602 A Section 2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Incorrect and conflicting information was reported inaccurately with two credit reporting agencies. I have contacted XXXX, Equifax, and XXXX regrading an inaccurate reporting of a court bankruptcy public record from XXXX which is no longer list on my Equifax Credit Report. I have asked for this discrepancy to be removed from my XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I heard about the Wells Fargo payout and wanted to see if I qualify. I had a car loan and account through them in 2017
Product: Credit reporting or other personal consumer reports

This is concerning XXXX XXXX credit card. I requested through my Equifax for them to do a Goodwill deletion of this and they refuse to the account is closed charged off and shows a balance well over what I was even allowed to have. They refuse to remove it so I can try to build my credit up a little bit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.
Product: Checking or savings account

Never received {$100.00} bank says is in my favor. And {$100.00} has no merchant. I request {$200.00} returned.
Product: Debt collection

Subject : Dispute of Debt Reporting on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt that is being reported on my credit report, which I am unsure belongs to me. Despite my attempts to obtain validation of this debt, it continues to negatively impact my credit score.

Details of the Complaint : Debt Collector/Creditor MIDLAND CREDIT MANAGEMENT XXXX Account Number ( if available ) : [ Insert Account Number ] Amount of Debt : {$610.00} Credit Bureaus Reporting the Debt : [ XXXX, XXXX, XXXX ] Issues with the Debt : 1. I do not recognize this debt and have no recollection of incurring it.

2. I have requested debt validation from the creditor/collection agency, but I have not received sufficient proof that this debt is mine.

3. The continued reporting of this debt is unfairly damaging my credit score and causing financial hardship.

Requested Resolution : I request that the CFPB investigate this matter and require the creditor/collection agency to provide proper validation of the debt. 
If they can not verify the debt with legally sufficient proof, I request that it be removed from my credit report immediately. 
I also request that any credit reporting agencies update my credit file accordingly. 

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at XXXX or XXXX for any further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following XXXX XXXX XXXX XXXX account #. XXXX date opened XX/XX/XXXX XXXX XXXX account #. XXXX. date opened XX/XX/XXXX XXXX account #. XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account #. XXXX date opened XX/XX/XXXX XXXX XXXX XXXX. account #. XXXX date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is Reporting a inaccurate Address on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XX/XX/year> Please remove these inquiries from my credit report. These inquiries are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint against XXXX and Equifax for reporting inaccurate information on my credit report that is currently damaging my credit. I have attempted several times to get in contact with the credit agencies about their reporting and the account still is not removed or fixed. I have attached documentation directly from XXXX XXXX where the account was paid in full. Meaning there should be a {$0.00} on the account. That is not the case, every month they have been reporting a balance of {$1900.00}. I have highlighted the account on my credit report so you see how they are reporting the account. Under the Fair credit reporting act I am exercising my rights to get this account deleted from my credit file. They have done enough damage to my scores with their inaccurate reporting. 

Days I submitted my own disputes:XX/XX/XXXX, XXXX, XX/XX/2019. I have attempted to get this resolved several times. 

XXXX XXXX Account # XXXX
Product: Debt collection

I spoke with the XXXX XXXX Business office prior to submitting my previous complaint against National Business Factor. They confirmed I do not have any unpaid medical bills. National Business Factor responded yesterday and reported I owed XXXX XXXX XXXX XXXX money for a visit back in XXXX of 2016. I then called the XXXX XXXX XXXX XXXX Billing office again. They looked up my social, my children 's social and that service date and reported that I have paid in full and I do not owe them anything. National Business Factor falsley reported that I owe XXXX XXXX XXXX XXXX money for a visit in XX/XX/2016.
Product: Money transfer, virtual currency, or money service

Please refer to the last complaint XXXX. This ccomplaint was sent to XXXX aswell On XX/XX/2023, both myself and the owner of XXXX XXXX showed up at XXXX XXXX XXXX branch at XXXX XXXX XXXX XXXX XXXX, XXXX WA, XXXX to get our {$3000.00} dollar back. We worked with the banker there, but XXXX fraud department is unwilling to work with us to get our money bank. XXXX required Chase bank to recall the funds. Both myself and the sender ( XXXX XXXX ) talked to Chase Bank on multiple occasions. Chase Bank stated the money transfers were verified and that they can not reach out to XXXX because of their policies. Now I understand that XXXX deemed this is suspected fraud from the beginning, but all misunstandings would have been prevented if XXXX did their investigation and reach out to Chase to verified the transactions, but the process did not get done. We can not help but feel helpless that none of the banking institutions are willing to work with us. These are not XXXX or Chase money, but they are holding our money without providing working solution. We can not help but feel robbed of our hard earn money. Both myself and XXXX XXXX are willing to work with XXXX or Chasebank to find a solution. XXXX XXXX is willing to talk to XXXX and provide any information that is required I plead to CFPB to investigate this situation and help us find a solution.
Product: Mortgage

PHH Mortgage Services recently acquired ( XXXX-XX/XX/2019 ) my mortgage from XXXX.

XXXX provided PHH Mortgage Services with a summary of my mortgage and escrow amounts. PHH Mortgage Services in my first payment to them since their acquisition of my account increased the amount of my escrowed amount, applying extra to my insurance escrow and " other taxes ''. However, my insurance had not increased and what " other taxes '' were they collecting funds to pay. PHH told me they were collecting for an escrow reserve. However, when I pushed they told me they were aware of the " problem '' and would be evaluating my account. They also stated that even though XXXX had provided them with my mortgage and escrow summary, they did not follow that report and alternatively collected more money than was necessary. So, they took money from my bank account that I did not owe. I call that stealing and I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX call on their recorded line was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. 
They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. 

I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the Judge. Protection under 303 BK code.

two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXX XXXX  XXXX involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. 

XXXX : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. 

I am seeking prosecution or removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX from XX/XX/XXXX to XX/XX/XXXX ( see attached " Certificate of Discharge '' document confirming my XXXX  ), someone stole my personal identification documents ( driver 's license, Social Security card, birth certificate, tax returns, bank and credit card statements, and other sensitive financial documents ) and used the information gained from those documents to fraudulently open a credit card with Barclays Bank Delaware on XX/XX/XXXX. I became aware of this fraudulent acct when I obtained a copy of my credit reports and saw this acct being reported. 

This fraudulent acct is currently showing a balance of {$4000.00}. The last 4 of the acct # are XXXX. 

This transaction was not made by me or authorized by me. I have not at any time made my personal identifying information available to anyone, and have not benefited from this transaction in any way. 

On two occasions ( XX/XX/XXXX and XX/XX/XXXX ) I reported this fraudulent account to Barclays Bank and sent them the attached dispute letter, police report, proof of XXXX document, and other supporting documentation. However, on both occasions they failed to stop reporting this fraudulent account to the credit bureaus when there is no doubt that I could not have opened this account if I was XXXX. 

In accordance with the Fair Credit Reporting Act, I have submitted all required documentation and statements to prove that I was the victim of Identity Theft. However, in accordance with the FTC Notice to Furnishers of Information and section 605B of the Fair Credit Reporting Act, Barclays Bank is failing to adhere to its responsibilities under both.
Product: Debt collection

LVNV Funding flagged my collections for {$430.00} I have no knowledge of this debt or where it comes from. I never gave LVNV Funding my personal information or permission to use it. So I dont understand how they are able to flag my credit report with a false debt. Ive tried to contact them via phone, but I cant get in touch with anyone. This has dramatically affected my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

This company is guilty of predatory lending and charge illegal interest rates. I was advised by the original company that this collection agency was not handling their loans, it was fraud and to not pay them.
Product: Checking or savings account

I had money taken from me from my account through TD Bank and the bank refuses to look into this claiming that the account was supposedly purged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been using Experian for quite a while to build my credit and in the last few days they took my score down 21 points for paying my bills on time or before they were due. I've paid over 2000 in credit card bills that I paid before they were due so I wouldn't get interest and I lost 21 points because of this. I'm not going to be able to refinance my home in XXXX because of what these people have done. Although they may not see that in using my credit they can see I'm making payments. On my cards and loan plus car. This is un called for, you can't take 21 points from someone for paying their bills early or on time. I have no late payments and one hard inquiry from a loan I got at XXXX XXXX 's. But within 4 days it dropped 21 points and I'm not sure how I'm going to be able to refinance my home unless you fix this. You took the points for me paying my bills and that's so wrong. I need them back and I need the points I've earned this month for paying my bills so I'll be at XXXX by XXXX and I can refinance my home.
Product: Credit reporting or other personal consumer reports

The responsible party for the vehicle is the owner of the account but they keep garnishing my pay wages when I have asked for the account to be closed after 7 years of reporting. Its old and still affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit reports that I have contacted each credit bureau about. I sent each of them a cover letter detailing the fraudulent information that I am aware of along with a copy of all of my identification and FTC report. I sent my documents to Equifax via fax and XXXX and XXXX via certified mail. The tracking for my documents sent to XXXX is XXXX XXXX  XXXX XXXX XXXX and for XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Since receiving my documents, I have not heard anything back form the credit bureaus for my concerns. They are knowingly reporting accounts on my credit reports that I have told them do not belong to me and have done nothing to fix or investigate this problem. I was under the impression that is was against the law for the credit bureaus to report inaccurate information on someones credit report and that if they did not respond to my letters that the accounts would be removed from my credit reports. I am sure there is a law that proves it.
Product: Money transfer, virtual currency, or money service

received an email informing me about a job opportunity via my university email, known only to the university itself as I haven't shared it with anyone. The sender claims to be XXXX XXXX XXXX, seeking students to work with him. They contacted me via XXXX and sent two checks totaling {$3400.00}. They requested me to purchase laptop equipment and printing supplies using the money, which they would send through an agent, XXXX XXXX XXXX, at XXXX. 

Upon contacting her, I received the first check of {$1800.00}, which appeared in the bank. I sent her the money for the devices but was informed that another {$1600.00} check would be sent, which I obliged and sent the money again. However, the funds disappeared the next day, and the bank confirmed it was a counterfeit check. 

Today, they sent me another check for {$1800.00}, supposedly from the XXXX XXXX XXXX, which looks very convincing. 

Here are the names, numbers, and emails associated with this fraudulent activity : - XXXX XXXX XXXX - XXXX - XXXX XXXX ( XXXX ) - XXXX XXXX ( XXXX - XXXX ) - XXXX XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) received {$1800.00} - XXXX XXXX ( XXXX ) received {$800.00} All these individuals asked me for money, and I only accepted two because the latter requested large sums. XXXX XXXX claimed to be in charge of everything. 

The person claiming to be XXXX XXXX XXXX communicates via XXXX at XXXX ( XXXX ) XXXX. The checks are from " onlinecheckwriter, '' and I have pictures of all the checks. 

Bank details : - Bank XXXX # : XXXX - Sender Internal Identity : XXXX I tried contacting Professor XXXX XXXX at the number provided ( XXXX ), but there was no answer. I also attempted to reach out to the university regarding this matter. 

I need help to get my money back
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 is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX  XXXX
Product: Debt collection

I sent NAVY FEDERAL a properly endorsed negotiable instrument for payment that was notarized and authenticated by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX This security was sent via registered mail to address XXXX XXXX XXXX XXXX Va XXXX with a USPS tracking code of XXXX which was delivered on XX/XX/2023 at XXXX XXXX EST. This instrument has been acknowledged but not processed to reflect on my account nor has the payment been returned to me by NAVY FEDERAL. 
I sent NAVY FEDERAL two letters to cure this matter in good faith. NAVY FEDERAL responded with three letters stating they were in receipt of the instrument and one of the two letters I sent. Their letter to me also stated that this does not release me from my obligation and I remain responsible for repayment.

In NAVY FEDERALs response letter they labeled this as incident # XXXX. However, even upon repeated request NAVY FEDERAL has refused to either process my payment or return my payment ( security ) in its original form. 

UCC 3-603 ( b ) states that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

I have tried to rectify this matter in good faith, but since NAVY FEDERAL has failed to properly perform their fiduciary duties I have been encouraged to report this matter to the proper authorities.
Product: Checking or savings account

The Complainant would have call his bank and inform them of the deliberate malicious schemes and campaigns that was occuring only to have said bank turn around and attempt to deliberately withhold The Complainant 's funds and then turn around and deliberately block his card access in an attempt to be XXXX and XXXX him. Those responsible should be fired