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

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 


XXXX. Incorrect Date of Birth : My date of birth is incorrect. Please update my date of birth : XX/XX/year>. Thank you. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just became a young adult ( XXXX  years of age ), i went to the bank to see if i qualified for a credit card so i could establish my credit score because as of right now i currently have no credit score.  something was wrong with their system that day ( wifi ) i didnt get approved. and now as of right now i have 4 hard inquires on my credit report. only 1 of the 4 were authorized with my permisision.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Bank account or service

I opened a checking account of {$100.00} on XXXX/XXXX/2016 and savings account of {$15000.00} on XXXX/XXXX/2016 at Citibank in XXXX XXXX, California. In XXXX instances I used a check from my personal checking account at XXXX. XXXX cleared the same night. My XXXX checking account was debited by {$100.00} on XXXX/XXXX/2016 and {$15000.00} on XXXX/XXXX/2016, nevertheless Citibank only posted {$10.00} available in each case. I called customer service and also XXXX XXXX branch manager XXXX to let them know that my checks cleared and they needed to credit my Citibank accounts accordingly. Citibank placed a 5 days hold on my money. I did n't have the {$15000.00} in XXXX nor Citibank. This is plain fraud, they are profiting from this illegal hold. Please see cancelled checks paid the very same day it was written. Also see letter of explanation from Citibank. If Federal regulation require them to provide a notice if there is a delay in posting the money into an account it has to be TRUE. They ca n't tell me that the they are waiting for these items to clear because they cleared the very same day I presented the check to them. 
I hope that the CFPB stops Citibank from profiting illegally from customers. 
Thank you Attached : Cancelled check and Letter from Citibank
Product: Debt collection

XX/XX/2018 - Debt Collection Company from XXXX, IL called me about a debt that is beyond the statute of limitations for the time that I can be contacted. Their phone number is XXXX. ARA is the name of the company. XXXX XXXX XXXX is the name of the company. Please do something about this NOW!
Product: Credit card or prepaid card

I purchased a new XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX  XXXX  maryland a few months ago, it took an hour for someone to come and set up this phone. My mother added it to her account with XXXX, we also have XXXX  XXXX. The phone began getting alot of unknown calls for someone named XXXX about property investments. 
I assumed the phone was given a old customers number and i assumed the calls would stop coming in. They would come in all day while i was working. But usually stop once i got home and started using the device. I am worried about my XXXX XXXX  now and my XXXX, XXXX, XXXX, XXXX accounts and XXXX account. Emails can disappear right in front of my eyes and password reset emails will not come to my device. Settings change themselves the second i stop looking at the screen. 
All my personal health information has been having problems getting to my health care provider. Including calls for appointments. We are trying to verify all appointments with XXXX and the phone company for billing purposes and i am having a hard time getting a response everytime i send them email. I receive phone calls from someone claiming to be XXXX XXXX when i access my health care app. This must be a crime and fraud and i hope we can find out why this illegal account and identity activity is happening and who else is using a device with this information ... was my phone a clone or was the someone elses original phone a clone. I consider this a major crime and this type of activity will definatly cost lives durring a pandemic. Having someone know everything you do online and possible XXXX XXXX  crimes. 
I need an answer to this situation ... i was given false information by a health care provider and was given a tetnus shot when i asked for an anti body test. I felt like my body was going into XXXX  XXXX  ... somehow i survived and want to see this type of activitity ended. 
I am concerbed for all parties that have been given a cloned phone and can tell someone is extremely frustrated on the other end of my device. The setting constantly changing right after i change them. My password not working for the second device a minute later, my XXXX  XXXX  password changing and XXXX password changing. 
I need your help in this situation because im not sure my mother is aware of the illegal account activity and i cant seem to convince her it is happening. 

A very concerned customer and XXXX used, XXXX XXXX XXXX I am concerned my identification that i have sent over the internet may also have been compromised and intercepted when i tried to verify My identity on XXXX. It looks like some one hits the caps button while im typing or adds punctuation also.
Product: Debt collection

Bridgecrest is reporting on XXXX and XXXX all incorrect information that was wrongly reported and not mine
Product: Debt collection

I have new and updated information regarding complaint XXXX XXXX. It is misleading for Dunlap Gardiner LLP to state that I am a debtor when there are no obligations on my behalf as Ive never initiated business with this company, or any of its clients. Its also misleading to state that Im subjected to the Declarations of Covenants without providing proof of signature that I allegedly accepted and agreed to the conditions thereof. Its also misleading for Dunlap Gardiner LLP to state that theyd be willing to discuss the concerns of this issue but have failed to address the concerns of both complaints : XXXX and XXXX. They stated that theyve sent a ledger, but its incomplete as it does not begin with the origination of this alleged account, when it was created, who created it, the instrument which created it, all entries from its existence, and the signed Legitimate Enforceability Agreement to confirm that there was a meeting of the minds and an agreement between myself and them. Dunlap Gardiner LLP did not provide this documentation because it does not exist. Lastly, the FDCPA protects consumers such as myself from companies using false and misleading tactics to attempt to collect a debt. its misleading for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to attempt to collect on an alleged debt by using another name by terms such as XXXX XXXX XXXX claiming to be a third-party collection agency to collect this alleged debt on their behalf when in fact, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect on its own debt. As seen in the attached exhibits, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the same company as theyre both registered with the Secretary of the State of Georgia using the same address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX FL XXXX XXXX, USA .
Product: Credit card or prepaid card

I recently asked for copies of my statements dating back from 2016 because I was denied a credit increase as a result of late fees on my account. Upon review of my statements, I see that Wells Fargo continued to charge me late fees even when payments were received. Payments were made via phone, online or mailed in over the years, in some cases, twice a month. 

I am requesting fee returns of {$360.00}, {$220.00}, {$280.00} and {$36.00} respectively after reviewing my records and payment dates. With the issues Wells Fargo has encountered recently, I see this as another avenue they were defrauding clients. I will seek legal help to review my options as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX {$2000.00} 40 % paid off 6 late payments DEPT OF ED/XXXX  {$2400.00} 31 % paid off 6 late payments part of the XXXX  ftc violations XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently pulled my credit report from Experian and XXXX, and to amazement, I still see this company name XXXX XXXX reported as a charge off. I have disputed this account with XXXX and Experian. However, it comes back " verified '' I am very curious as to what kinds of " records '' this company has on this account. I have sent request for validation/verification of this alleged account. No response have been received from this company for over a year. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt can be validated. Also, under the Fair Credit reporting Act, this disputed account my not appear on my credit report if it can not be supported by any evidence. If this matter does not get resolve amicably, I will file charges against this company for violation of my federal rights. I have been dealing with this issue since 2014..
Product: Mortgage

I was unemployed in XX/XX/XXXX and experienced a substantial decrease in income. I contacted my mortgage company right away to look at options. They provided me with information to apply for a government mortgage modification that would potentially lower my payments. The mortgage company explained that I would need to qualify for a permanent modification by making 3 successful trial payments. They provided me with the trial payment amounts and I successfully paid each trial payment on time and in XXXX XXXX they made my modification permanent. After reviewing my credit report a few months later, I noticed that the mortgage company marked my payment late for each month of my trial payment even though they had set the mortgage payment amount and I paid as agreed. This has caused a significant negative impact to my credit score as it is one of the only negative items. Had I known that they would mark me late I would not have went through with the modification process. I have contacted the mortgage company on numerous occasions asking for an explanation, and the only answer I get as that they say they are legally obligated to report me late. I believe there lending practice was deceptive and predatory. I have asked them to remove the late payments and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I discovered my XXXX XXXX dropped XXXX points I looked to find out why, because I worked so hard to not be late and keep my credit score high and pay my revolving accounts on time. I discovered I owed {$14.00} to XXXX XXXX and I paid it immediately, then I requested the account be closed because I didn't want this to happen again. I contacted XXXX XXXX by phone and they discovered they had the wrong address on my account, and I never received a bill. I asked them to contact all 3 credit bureaus to request the delinquent status be removed. They assured me they put that request in. I also disputed the delinquent status with all 3 credit bureaus. It appears that XXXX and XXXX removed the 30 to 90 day delinquent status but XXXX refused to remove it from my credit report, statingThe credit reportsme delinquent. It was only {$14.00} and I never received a bill. So to have my XXXX XXXX severely affected XXXX point Negative seems extremely excessive. appreciated.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian )XXXX XXXX XXXX XXXX XXXX XXXX et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, please see documents attached for more details. I hope you can help me.
Product: Credit reporting or other personal consumer reports

These inquiries were made on my credit report without my knowledge, authorization or written consent ( wet signature ) and I want them removed. Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. 

Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. 

Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. 

I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Student loan

I and my spouse filed for chapter  XXXX  bankruptcy in  XXXX . 2017. We were aware that my student loans would not be eligible for discharge, but also that all collections attempts would face an automatic stay until the case was discharged.
At the time of filing, Wells Fargo held a private student loan for me, in good standing for 7 years. I received notice from them they that would cease all communications and stop automatic payments ( which I relied on to pay my loan installments ) after we filed.
We received a letter from Wells Fargo dated  XXXX / XXXX /2017 stating that our account, previously in good standing before filing, was in default. A Wells Fargo representative stated that it was still our responsibility to pay during bankruptcy proceedings, even though the company " could not appear to undertake any collections efforts. '' Clearly they were still attempting to collect.
The account did not show as past due on my credit report until after discharge. Wells Fargo took significant steps to make it difficult for me to pay at all, including locking access to my account online, revoking automatic payments, and ceasing to send statements.
They were able to send a default letter immediately after discharge because of an " automatic default '' clause buried in my promissory note, which I was unaware of, and my bankruptcy attorney did not inquire about. Meanwhile they have reported my account to the bureaus as " charged off '' without any attempt to contact me about supposed late status.
Clearly Wells Fargo is using this tactic to put pressure on filers to pay, and I believe they are violating bankruptcy law in demanding payment to have occurred before discharge.
Product: Credit reporting or other personal consumer reports

Violation of Privacy Rights : Under 15 U.S.C. 1681, Section 602, my right to privacy regarding personal and financial information is protected. I believe that your handling of my information without clear authorization violates this statute.

Unauthorized Furnishing of Account Information : According to 15 U.S.C. 1681, Section 604A, Section 2, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Improper Handling of Payment Timing : As per 15 U.S.C. 1666B, a creditor may not treat a timely payment on a credit card account under an open-end consumer credit plan as late if made in accordance with the plans terms. I believe that your handling of my account has unfairly led to my payment being marked late, in direct violation of this statute. 

I request that you investigate these concerns thoroughly, correct any errors in your records, and cease any further unauthorized actions on my account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit file, I have discovered several inquiries and collections that are incorrect and fraudulent. These inaccuracies are damaging my credit score and financial reputation, and I request that they be promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.
Product: Mortgage

On or about XXXX XXXX XXXX XXXX, XXXX. sent a payoff check for a partial claim mortgage payable to HUD but delivered to Novad Management Consulting in XXXX XXXXXXXX. As of XXXX this check has not been cashed and the mortgage has not been discharged. 
On XXXX, I, XXXX XXXX spent 3 and 1/2 hours on hold with Novad to speak to a person named XXXX and all she could do for me was submit a escalation to management to see what happened with the package. I was told I would get a call back and as of XXXX no call back. 
On XXXX, I emailed the XXXX to submit a request on what happened to this payoff and no reply as of XXXX. 
This in an urgent matter and Novad is not getting back to us.