23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed a dispute with Equifax for incorrect information in my Credit Report Dispute Number : XXXX, they said it was still open. Please refer to XXXX. Today they closed the dispute saying the account is mine. They have failed to provide proof of ownership of the account. I have contacted XXXX XXXX via the number they provided ( XXXX ) and they have no record of my alleged account. There is an account that does n't belong to me, and I have explained to them I do n't recognize this debt or owe any money to this creditor. If valid it would have been paid. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. Just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! 
Please have Equifax provide proof I opened the account in question, the purchases that were made and signed documents, otherwise if they still insist in keep the account there, I will escalate this to the FTC, my state attorney general, file a complaint with the XXXX, and will sue Equifax.
Product: Checking or savings account

I have five Capital One accounts 2 minor accounts 1 joint and 1 savings account 2 checking accounts my biweekly payroll deposit is the deposit on a regular basis into this account. I received a email saying that my accounts were locked and I needed to call the fraud line when calling the fraud line. I was told that my accounts were closed and Capital One no longer wanted to continue the relationship with me as a banking Customer I asked the representative. What guidelines do they have to close my account and not return my funds immediately she said I had to wait for the account to be fully closed and all transactions to be cleared before I can receive a check of the end of the closing I asked for Supervisor the Supervisor gave me the same story of sorry XXXX XXXX we can not give you any information about the closure the guidelines stated when you opened up the account is what we follow. Its XXXX days before XXXX, and all of my funds are in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a great deal of incorrect information on their report. I can not access the results of any of my complaints ; because they have an invalid address for me on their file. Each time I try to access information, I am unable to do so, because my accurate data does not match their files. I have notified them several times, and they will not correct the data. Once, I received a reply asking me to fax personal data, including my SSN, to an un-monitored fax location. Since Equifax has already proven that they can not protect data, I refused. Note : their recent hacks have made the situation worse. Their data is so bad, that I feel that my situation is hopeless. I have paid all debts that were mine, and I can not do anything about the bad data. I have filed over 100 complaints, and they do nothing.
Product: Vehicle loan or lease

Ive been a victim of IDENTITY THEFT, my Identity has been compromised, in the event several accounts were opened in my name ruining my credibility as a consumer and damaging my reputation. 
A car was leased or purchased using my information with out my knowledge nor consent with company XXXX XXXX XXXX XXXX  Date opened s XX/XX/year> Account # XXXX Balance $ {$30000.00} This account is in result of identity theft and I have no recollection whatsoever of this loan This account is FRAUD AND DOES NOT BELONG TO ME
Product: Debt collection

I am writing to formally request the validation of a debt, which you have been attempting to collect from me. I am doing so in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), and ( FCRA ), 15 U.S. Code 1681b. I dispute the validity of this debt and require you to provide documentary evidence to substantiate your claim. Please ensure that this validation process is carried out in compliance with the FDCPA.

I demand that you provide the following information, one by one, in a clear and concise manner : 1. Documentation proving the original creditor 's name and contact information.

2. A complete account history, including details of all transactions.

3. Any written agreements or contracts related to this debt.

4. Proof of the alleged debt amount and how it was calculated.

5. Documentation showing that you are authorized to collect this debt.

In addition, I am specifically requesting the following items to further validate the legitimacy of this debt : A promissory note or any written instrument that outlines the terms and conditions of the alleged debt, signed by all relevant parties.

Proof that your agency holds a valid collateral interest in my property. Please provide documentation supporting this claim.

I must also emphasize that I have not given you authorization to report any account related to this debt on my credit report. If you proceed to report it, I believe you do not meet any of the permissible purposes outlined in 15 U.S. Code 1681b for accessing consumer reports. Thus, I insist that you cease any attempts to report this debt to the credit reporting agencies.

In your response to my previous communication, you alleged that I had sent fraudulent documents without providing any evidence to support your claim. I want to reiterate that these allegations are baseless, and you have not substantiated them in any way. It is essential to resolve this matter through factual evidence and adherence to legal procedures.

Please be advised that this letter serves as a notice of default. I have not received a satisfactory response to my previous inquiries, and your failure to validate the debt or provide verifiable information is a breach of my rights under the FDCPA.

Also to make it clear I am the only lienholder of the property. Now proof that you have a collateral interest for my property. A security has been sent to the trustee For presentation to the United States Treasury, for redemption or in exchange for securities of a new issue, in accordance with written instructions submitted by ( Transfer Agent )
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan balance was {$180000.00}. In XX/XX/XXXX, I received 2 letters stating that my loans were to be discharged. XXXX now has my student loans # 1 I did not agree with them that they could have my student loans they were just transferred to them from fed loan servicing where I had consolidated them from Nelnet in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from XXXX to Nelnet but my balance with XXXX never went down. I called Nelnet and XXXX numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to XXXX I was told not to worry about it and that it would be deleted when Nelnet discharged it from their end. There are no records in either Nelnet or XXXX as to what they are doing with any of my accounts. XXXX has not subtracted the amount that Nelnet has discharged and they have taken more from XXXX. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.
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, MI XXXX ( XXXX ) XXXX has violated my rights. 

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

15 U.S.C 1681 section 604.A section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I have applied for a loan modification on XXXX. I was told to apply and had to reapply my application 4 times the same application for one purpose a mortgage a modification. After 5 months I have received a letter from Chase Bank Mortgage servicer dated XX/XX/XXXX stating that I denied. I need detailed information for the reason my application for loan modification was denied for. Now I 'm facing Foreclosure on my home I 've lived in for more than 10 years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, Child Support : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ditech sent me " resolution '' that not right to my case. i did not complain about {$500.00}, and {$770.00}, that they never took from my account. I do ask about {$800.00} I paid on XXXX/XXXX/16, and and {$800.00} I paid on XX/XX/XXXX. 
Please I am waiting for the answer. 
XXXX XXXX XXXX/XXXX/16
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to request that you remove the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 

None of these inquiries were made by me therefore they do not have have permissible purpose. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I want these inquiries removed immediately as they are cause a devastating dip in my Fico Credit Score. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 : //www.ftc.gov 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 is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD EVENING! LISTEN, I'M NOT SURE WHAT'S GOING ON WITH CREDIT REPORTING AGENCIES, BUT IT'S ALMOST 90 DAYS AND THEY HAVEN'T RESPONDED ON EVEN LOOK INTO THIS ACCOUNT THAT I HAVE REQUESTED THEM TO. THEIR ARE SO MANY ERRORS ON THE WAY IT'S REPORTING AND IT'S INCOMPLETE AND UNVERIFIABLE AND IT'S CAUSING THIS ACCOUNT TO RE-AGED ILLEGALLY. CAN YOU PLEASE DELETE THIS FOR VIOLATION? THERE ARE 3 DIFFERENT DATES OF LAST ACTIVE, DIFFERENT DATES OF 1ST DELINQUENCIES, DIFFERENT DATES OF OPENED, AND DIFFERENT DATES OF LAST PAYMENT AND COMPLETELY INCONSISTENT WITH THE PAYMENT HISTORY. ONE REPORTS " C/O ''  STATUS THE OTHER OTHERS EITHER REPORT 30 DAYS OR 60 DAYS OR 90 DAYS. IMPOSSIBLE THAT THIS BEING LOOKED AT. PLUS, IF IT WAS REALLY INVESTIGATED, THE ACCOUNT STATUS WOULD BEEN UPDATED.
Product: Debt collection

This was many of the credit cards that were opened without my consent. I was a victim of Identity theft and it 's been a huge problem trying to get everything settled. I called many times and even visited branches for XXXX XXXX, XXXX, and XXXX XXXX to inform them that whatever was opened was not with my consent. Instead of them helping me out and checking what my options were I was told 'They must of got a hold of the information somehow '' and was asked " Are you sure you did n't give out your information? '' I have never opened up any credit cards to avoid this exact reason. Instead of helping me out, I was basically talked down and to ask around if my family members were the one 's that opened up the accounts. Around that time I just turned XXXX years old, I was in school and had no time to open up any credit cards. I need go get this resolved. This company has 4 accounts open. All of which I have attempted to resolve this issue with the companies without any success. I advised them that this was all Identity Theft. XXXX XXXX : {$990.00} XXXX XXXX : {$620.00} XXXX : {$340.00} XXXX  XXXX : {$220.00} Total : {$2100.00}
Product: Mortgage

I had applied for a mortgage through keybank. I turned in all my Information that was requested and needed. The girl that was working on my loan had left and my file was given to someone else. But before my original loan person had left she had already got my paperwork done and ready to be processed to the point where nothing else needed done. My file was handed over to the new person and that's when it all went down hill. For some reason this new person re started the loan all over again and just made the process very difficult and stressful. She was very hard to get ahold of.. wouldn't answer us back for days and that included calls, emails and texts. Keep in mind that this is for a house so we have a strict deadline for our closing date. Being that we wernt able to get ahold of our loan person we decided to go to her boss. That was a waste of time because he was no better at customer service or returning messages or calls. There was times that they sent other personal emails to me by accident and there was times that they refered me as someone else and had called me by the wrong name. I had to constantly remind them who I was. I paid for my appraisal and it was never ordered.. My application for my loan was never submitted.I dealt with this for almost three weeks before I decided to go to another bank. At one point I had to get it boyfriend involved because I wasn't able to handle the stupidity. She would tell him one thing in an email and tell me another. Very incompetent. And when I asked nicely for my file to be emailed to me so I could have all my information for my new lender and I was told no! My new lender refused to send me my own personal documents because she said she wasn't providing them for my new lender! I have tests to prove it. I was put at risk for losing my house because of keybanks poor customer service. Very disorganized and unprofessional.
Product: Checking or savings account

Hi, In XX/XX/2021, I opened a checking account with PNC bank in XXXX XXXX, FL. The address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I closed the account a few days later. 

Today, I received a bank statement from the PNC savings account. I never opened the PNC savings account. The person who opened the account without my knowledge was the banker in XXXX XXXX, FL. He is also the branch manager.

I recall refusing to open a savings account, but the manager opened one anyway. He did not respect my decision. He does not think highly of women but bullies women into opening accounts that they do not need. The manager is a classic example of a bully and harasser. He is a bad example of customer service and a salesperson with a harassing and pushy attitude. He should not have opened a savings account against my will. 

I want the bank to close the savings account which PNC opened illegally. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello Ive been a victim of identity theft. Ive made several reports and complaints about my credit being effected due to this happening. Ive made a police report as well as call the credit bureau. 
Midland credit management Account number : XXXX This is a XXXX XXXX account. 
XXXX XXXX XXXX XXXXXXXX Amount {$790.00} Open date XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount {$740.00} Also hard inquiries XXXX  XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$120000.00}
Product: Checking or savings account

I used the Venmo card for my side job. I had over {$100.00} in my account and attempted to w/d {$40.00} from my account which was declined. When I contacted Venmo, they wouldnt tell me why my card was declined or when it would work again. This caused me to get a fee and spend multiple hours trying to get to the bottom of why it didnt work.
Product: Credit card or prepaid card

In a separate complaint using CFPB portal vide complaint number : XXXX, American Express had provided a response, which is incorrect and false. Their reply was : " Your account received several merchant refunds as shown in your correspondence attachment which brought the spending threshold below the offer requirement. As a result, we reversed the {$300.00} statement credit to your account on XX/XX/2022 which will be reflected on your upcoming billing statement. We sent you the enclosed email the same day notifying you of this. The terms of the welcome offer state, if you cancel or return purchases you made to meet the Threshold Amount, we may take away the statement credit from your account. '' However, this information provided by them is totally incorrect and false. 
After the {$300.00} credit was applied to my account, there has been absolutely zero merchant refunds which have brought my spending threshold below the offer requirement. The {$300.00} was credited to my Credit card on XX/XX/2022. I challenge American Express to show me any merchant refunds after XX/XX/2022 which they claim has brought the spending threshold limit below the offer requirement. There is none, and I re-state, zero merchant credits after the credit of {$300.00} promotional bonus. American Express had carefully evaluated all my transactions prior to XX/XX/2022, and only after that they decided to aplly the promotional bonus of {$300.00}
Product: Checking or savings account

XX/XX/18 I was charged a {$33.00} stop payment fee that I attempted to process in my account online. I was attempting to stop a recurring preauthorized fee from coming out of my checking account by XXXX XXXX   XXXX. I was told there was an error on my behalf with attempting to do this online in my account. 

The bottom line is the stop payment did not process and the funds came out anyway. My issue is I was told by the bank though the stop payment was not done I had to pay {$33.00} for just going onto the web site within PNC. 

Who has money to give a bank to pay for something not done. 
PNC XXXX Account # XXXX
Product: Student loan

On XX/XX/XXXX, Navient sent the first reminder for me to send in my application to renew my Income-Based Repayment plan for XXXX. On XX/XX/XXXX, I submitted my application for renewal and it was complete and sent and received by Navient on XX/XX/XXXX. I did not receive confirmation from Navient that it was approved and on XX/XX/XXXX, I received an email stating that my payment would be going up in XXXX to {$760.00}. However, I received a monthly statement on XX/XX/XXXX showing that I would be charged {$540.00}. Due to the difference in the amount shown on XX/XX/XXXX and XX/XX/XXXX emails, I thought that my Income-Based Repayment plan had finally gone through and my monthly amount for XX/XX/XXXXwould be {$540.00}. However, on XX/XX/XXXX, I was charged {$760.00}, despite the last communication sent to me showing {$540.00} on my XXXX statement. I called Navient and the woman that I spoke to admitted that they had made a mistake and despite having my information, they never put in my account what my new IBR amount should be. She told me she would put my request through and that my new monthly payment should actually be {$110.00} per month. She also told me that it would take about 48 hours to refund my money, if I was willing to send my bank statement showing that the {$760.00} payment was on there. If I was not willing to send my bank statement, it would be up to 10 business days after the payment cleared with them in order to get my refund. 
I received an email on XX/XX/XXXX that my IBR had been approved and that my monthly payment would be {$88.00}. Therefore, I was charged {$220.00} more than expected and {$670.00} more than I should have been on XX/XX/XXXX. On XX/XX/XXXX, I was charged with an overdraft fee due to a check that had been written prior to the XXXX charge from Navient that we would have been able to cover had we not be charged the incorrect amount. We now have a {$12.00} overdraft fee and likely at least one more coming due to autopayments that were previously scheduled an unable to cancel at the last minute after Navient charged this. Luckily, my spouse and I have other ways to cover any expenses that we need this week as we wait for the refund.