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

I am writing to formally report that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts : Fraudulent Accounts : 1. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$83000.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}
Product: Debt collection

I have made several attempts to obtain documents validating this debt from US Collections West. This debt is not valid, & I am not responsible for charges. US Collections West is being uncooperative and unhelpful in getting this resolved. I 've also gone as far as to reach out to the owners of the XXXX that managed the complex this debt derived from and have not received any assistance from them either. I 'm being held hostage credit worthiness-wise by this invalid debt and this is hindering my ability to rent or purchase a home rendering me practically homeless yet no one will help me resolve this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a payment by XXXX from my XXXX  account to XXXX recipient XXXX which is a Chase account holder. XXXX confirmation number : XXXX 
This transaction shows completed and verified in my XXXX account. By XX/XX/XXXX the recipient received a Chase reversal of the same amount in their checking account and they claim that the money was sent back to me but this money was never reimbursed back to my XXXX account. 
The recipient ( The XXXX  ) claims that a new payment should be made by me or they will end my services contract. 
I understand that on XX/XX/XXXX Chase bank had a technical glitch which duplicated all payments/deposits and reversals were made on XX/XX/XXXX on Chase account holders to amend this situation. My counterparty claims that my payment is not in their account but I have confirmation that the money didn't go back to my account. My counterparty doesnt acknowledge double postings on their account. 
By now the recipient has cancelled my contract and still don't know where the money that I paid on XX/XX/XXXX is. 
I filed a claim with XXXX under number # XXXX to track the transaction and verified where the funds are. 
I need to clarify where the money is.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. It shows one payment on an account that was actually paid on time. Consumer reporting agencies must report all information accurately, and this account has not been late on payments. 

I have attached a copy of my report to this complaint, highlighting the incorrect date of XX/XX/2020. I request that you investigate this account and immediately update these payments to reflect that they were paid on time, as it is reported on time with XXXX but not XXXX. 

Thank you for understanding and taking the time to take action.
Product: Credit reporting or other personal consumer reports

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

identity theft occurred in XX/XX/XXXX at this time I was ( and still am terminally ill ) and had a caregiver helping me who gained access to my personal information thus successfully opening credit card accounts, hacking my bank account to use my checking account to increase spending limits by making payments on these cards and fraudulently signing my name so they could charge more goods. I have sent notification to citicard explaining situation, not willing to work with me on /refuse to even consider that this is a identity theft issue. They have repeatedly harassed me with collection phone calls since XX/XX/XXXX and have harassed my elderly parents as well asking questions about my whereabouts. I have filed identity theft reports and contacted credit card bureaus about the situation. Still in process of trying to clear this up. It is a frustrating stressful situation. XXXX is more tolerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing complaint against Equifax and  XXXX  for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the    Court Clerk they  do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted.
Product: Student loan

After XX/XX/XXXX and around XX/XX/XXXX my University of XXXX student loan I had closed and disputed in XX/XX/XXXX was finally removed and no longer owed that a third party collection called Nelnet picked up my personal identity account information over a few months after XX/XX/XXXX and started harassing me worst than the scam lottery sweepstakes was doing to me and so I agreed to work out with Nelnet why the College I took less than a month of online courses with was not updating I changed and updated my balance to a whole different College not listed around them called XXXX University in florida to keep me from owing and having any withdraws for the one month online schooling I was paid for and the College grant funding was returned back to University of XXXX I borrowed that caused Nelnet to report I receive other funding from their education funding and I only took out the one student loan that was on my credit bureau and Nelnet reported to both credit bureaus I owe them my student loan debt after my student loan was reported paid off Nelnet was reported by the BBB and now their Supervisor is saying hire a lawyer because it was verified with their advisors I owed it from the University of XXXX billing me and their Admission and financial aid records explained even after 180 days it was no longer owed and nothing on file after seven years to keep being billed for. The University of XXXX contacted Nelnet about me not owing the student loan after Nelnet said I owed the University thats why they keep billing me and to recertify the student loan for over 15 years for it to be removed and I was only given borrower defense repayment program emailed XX/XX/XXXX from Nelnet fraud department after being scammed this student loan debt account and I uploaded this screenshot that my student loan was borrowed and paid in full with University of XXXX already after Nelnet keep providing signed documents of me borrowing and withdraw check and one month schooling online I received from University of XXXX XXXX in charge of that department had XXXX the advisor with Nelnet update my bill was never in collection and being paid to Nelnet and so Nelnet supervisor explained have a lawyer remove it by now and I would like this fraudulent student loan XXXX account with Nelnet deleted their making statements for the University of XXXX by updated changes to the credit bureau and the screenshot shows that my student loan I opened a account with one was canceled the other one paid in full with XXXX XXXX XXXX and updated like that from XX/XX/XXXX-XX/XX/XXXX as paid off and removed. I never signed and took out a personal student loan just mailed out deposit money orders for those kind and Nelnet scammed this one to me and I am filing this complaint to have them remove my identity and account information from their records the University of XXXX verified nothing was owed to Nelnet in XX/XX/XXXX I am being billed by a Nelnet company and told to hire a lawyer to have this student loan account removed that Nelnet have a billing account for me on in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.
Product: Checking or savings account

I am trying to get my mobile access to my Ally bank accounts but everytime I call, I am being reported for fraud due to a bad check. They said a fraud investigator would call but no one has called me or created any attempt to unlock my account. I have funds within the bank and would like to transfer in and out of the bank but I am not allowed because Ally bank has restricted access to my account.
Product: Credit reporting or other personal consumer reports

This extends case id 's XXXX and XXXX. Furthermore Equifax nor any settlement handling company for Equifax settlement of lawsuit has not yet reached out to me since this multiple cases were filed on XX/XX/year>. The only thing i have received was an email saying i can recirve another payment of XXXX dollars and some XXXX  i do believe it is onto of the XXXX dollars they sent me in a check. They have the whole breakdown and cost of how much it cost me to fix this {$8000.00}. I sent it in awhile back and demanded repayment. They did not respond just like they are not responding yo any of these CFPB messages nor even reaching out to me. THEY SIMPLY DO NOT CARE AND THAT IS WHY EQUIFAX SHOULD BE HIT WITH AMOTHER LAWSUIT. They sit there and get fined and order to pay back the people it affected however they offer around {$30.00} for the damages they have done when they clearly received the breakdown of {$8000.00} dollars in sent them of everything time and costs.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits.

They furnished this account that we didn't agree upon, and I didn't sign an agreement on it. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-step validation procedure, which makes this unfair. I never received a dining letter or any communication prior to this account being furnished on my credit report.

According to the FDCPA, I'm entitled to {$1000.00} per violation and they clearly violated my rights.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX account number ( XXXX ) XXXX. XXXX XXXX account # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX. XXXX. XXXX XXXX # XXXX. XXXX XXXX account # XXXX XXXX. DPT EDXXXX account number XXXX. XXXX DPT EDXXXX ( XXXX ) XXXX. DPT EDXXXX ( XXXX ). XXXX. DPT EDXXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$4500.00}. XXXX XXXX XXXX XXXX {$410.00}, XXXX {$360.00}, XXXX XXXX XXXX {$3100.00} XXXX  ; XXXX {$1100.00} XXXX XXXX {$350.00}
Product: Credit card or prepaid card

My card had been expired for a month and I was still charged on the card. I accumulated a late charge that I wasn't aware of that brought down my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Navient is my personal student loan lender. I am currently 6 payments behind total of late missed XXXX and total late balance of XXXX. I have made a call every month asking for flexibility and the representatives say the same thing " that my past due balance must be paid and my account current before they can offer any type of deferment. '' I don't have the money or I would pay it as I explain that every call. Navient calls my phone 6 or more times per day with different number as if to disguise who is calling it's biardering harassment. In the statement documents it even states " arrangements can be made to bring my account current with different repayment plans. '' When I ask about those plans the representatives say that same thing about me paying my past due first. Navient is not doing what is said in those letters and won't let me apply for any options until the past due is paid. I have had a troubled relationship with Navient with both my private loans and when my federal loans were serviced by them. I have had loans with them since XXXX yet my documents that are available for me to read only go back to XXXX. I just want to done with Navient as they are not honest and led me to deferment for years with my federal loans and now the interest has doubled my amount to {$100000.00} in total student loans debt. I feel hopeless in this situation as now they threaten with turning my account over to a lawyer for collection and to take legal actions. I don't have any options to work with them to resolve my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a temoultuouls problem with Portfolio Recovery Associates. As an update to my credit report they have closed the account XXXX ( {$440.00} ) and XXXX ( {$450.00} ) with XXXX ; XXXX ( {$440.00} ) and XXXX ( {$450.00} ), with XXXX. I received a letter from them stating the account is still open but the bureaus are reporting these accounts closed. As a courtesy to me, I would like these accounts closed and deleted. I would not like to receive anymore letters from PRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Daily updates on my equifax report is in correct and was told on several days that it would take 72 hours to remove the inaccurate information. That was 3 weeks ago. Ive talked with a representative on a daily basis to get this resolved and they have been no help. At one point the incorrect information was off and on all at the same time??? I need some resolution
Product: Debt collection

I never wore XXXX XXXX XXXX and I called multiple times to resolve this issue and they brushed me off each time
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate these accounts ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate the following reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX AL XXXX, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, MOHELA/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

This is in response to complaint ID # XXXX, in which the company requested an account number. The disputed account number is XXXX, and it is attached to this complaint. I believe this request was a deliberate stall tactic, as any alleged debt under my name should have been identifiable without requiring me to provide an account number. 

This alleged debt is unknown to me, and upon contacting the original creditor, I was informed that the balance does not match the amount being reported. Additionally, Rent Recovery Solutions has failed to provide proof of its license to collect debt in the state of Texas. As outlined in my prior complaint, I am formally disputing Rent Recovery Solutions ' reporting of an unverified account with inconsistent and inaccurate information. This account reflects significant discrepancies, including conflicting balances and varying " date last active '' reports across bureaus, which directly impact its accuracy. 

Despite my previous request for debt validation, Rent Recovery Solutions has failed to provide proper verification as required under the Fair Debt Collection Practices Act ( FDCPA ). Given these violations and the companys failure to validate the debt, I demand the immediate removal of this account from my credit report. I reference XXXX XXXX Rent Recovery Solutions LLC, where Rent Recovery Solutions was held liable for non-compliance with the FDCPA, resulting in damages awarded to the plaintiff. If this matter is not resolved promptly, I am prepared to pursue similar litigation. 

I expect immediate action to rectify this dispute. If Rent Recovery Solutions continues to report this unverified and erroneous account, I will escalate this matter further, including legal action for damages resulting from these violations
Product: Checking or savings account

Wells Fargo texted me and advised my credit card had been compromised. They canceled my existing card and issued a new one. For four straight weeks they sent me a new credit card which then had to be canceled. At the end of this cycle on XX/XX/2018, {$20000.00} was removed from my checking account by XXXX XXXX XXXX  -- without authorization. Wells Fargo advised the two incidences were unrelated. In four days the funds were returned. When I asked for an explanation of the missing funds i.e. was this a theft or a mistake, I was told, " We don't know. '' When asked if they would/could find out, they replied no, " Wells Fargo will not pay to subpoena XXXX XXXX XXXX records. '' They persisted in this non-response and said I should subpoena the records myself. I contacted the CEO 's office which complied with the branch 's non-cooperation and indicated they would not contact law enforcement. When I asked if someone stole {$20000.00} from the bank at the point of a gun would they then contact law enforcement, they replied, " Yes but that is a different situation. '' It hardly seems unreasonable to me to get an explanation for a {$20000.00} theft/mistake but Wells Fargo is resolute in their unresponsiveness. This may be an industry standard and, if it is, it seems to profit Wells Fargo and XXXX XXXX XXXX  to the disadvantage of the customer.
Product: Mortgage

I originated my loan XX/XX/2018. I just received my new Escrow analysis that has left me with a {$1900.00} shortage. spread over the next 12 months this is increasing my mortgage payment by {$300.00}, making it now unaffordable. I have made calls to my insurance company, my city and my County, all of which have told me that nothing has changed in their billing. Upon further review I have found out that the title company that was hired to finish the closing process for my loan had taken the country auditors property value of a XXXX ( reporting as of 12 years ago when the home was purchased by the previous owner ) instead of my property value which was XXXX. Huntington not only had the appraised value, but also had the loan value to accurately estimate my taxes. but due to gross negligence they severely undercharged me, which is now putting me in a hardship for the next 12 months. this violates all FDCPA and UDAAP laws. under guidelines they can not sell me a loan that I can not afford. Huntington has essentially now made my home unaffordable, that throws me involuntarily in to potential default. The underwriters, and the title company should be held liable for their miscalculations. I should not have to bare the brunt of their mistake, and potentially lose my home.