23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open:XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance:XX/XX/XXXX Company : XXXX/XXXX Account # :XXXX Date Open:XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$510.00}
Product: Checking or savings account

want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I
Product: Checking or savings account

Charles Schwab has closed my account by a " business decision ''. They said I can no longer have account with them at any point of time during all my life. I can't even have international account open. I am a US resident and don't have any finacial or law issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 


Account Name : XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$3200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$5900.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Student loan

American Education Services has given me false information, charging me more than what is due, their website is not updated or organized, each representative gives students different information. Due to all of their fraudulent practices and false information, I have had multiple loans default now. I have tried working with them, I make payments because they tell me I have no options whatsoever even though I am in XXXX school and do not have a job. They have destroyed my credit and made my life miserable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an inaccurate late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, credit agencies are required to conduct an investigation and/or correct erroneous credit entries on credit report. On XX/XX/2018, I sent an initial letter requesting them to remove specific credit inquiries that I believe were placed without permission. I received a letter back on XX/XX/2018, stating I needed to contact the creditors directly. I sent a second follow up email referencing XXXX v XXXX, again asking them to investigate and remove inquiries or provide documentation proving I gave permission for the inquiries. And again, I received the same letter on XX/XX/XXXX stating I need to contact the creditors.The credit bureau did not investigate, validate, nor provide documentation for the inquiries in question.
Product: Debt collection

The company keeps calling saying I owe a debt. I requested information to prove its me that owe the debt and they would not provide me with the information. These people are garnishing my check and they dont have a license to collect a debt in the state of Ohio .
Product: Debt collection

I keep getting harassed by a company called Sunbelt Credit ( XXXX ) for debt that I have absolutely NO affiliation with whatsoever. On numerous occasions, I have spoken with the Manager who states that he is removing my number ( XXXX XXXX # XXXX ) but never does as the calls persist. They have no right to continue to bombard me with an issue to which I have absolutely nothing to do with whatsoever!
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX XXXX  I had a bag stolen from me with my social security card, license, government ID, and debit/credit cards. Since than it's been an on-going battle of trying to stop the person from opening credit cards, loans, and unfreezing the security freeze I put on my credit with the 3 Credit Bureaus XXXX Transunion has been the biggest issue, the suspect was able to log into my online Transunion account and remove the freeze from my account. I asked Transunion to refreeze my credit and lock my account so that if I needed to make any changes I could just call and do it over the phone. This has not stopped the person from calling Transunion and just lifting the freeze again on XX/XX/XXXX. I noticed on XXXX.com that multiple financial institutions got my credit report from Transunion from XXXX XXXX XXXX XXXX. I once again called Transunion to reapply the freeze but again on XX/XX/XXXX the person removed the freeze from my Transunion account and again financial institutions got my credit report. I have just put the security freeze on my account again today ( XXXX XXXX ) but I'm expecting the person will remove the freeze sometime soon. I asked if there was any way I could have the phone number of the person who called on those days but Transunion told me they do not keep record of the phone numbers calling. I have had an on-going police report with XXXX since the initial incident in XXXX XXXX  XXXX but still have come to nothing. I'm an XXXX XXXX XXXX and am doing anything and everything I can to protect myself as best as I can. My job depends on the security of my credit as I have a XXXX clearance and credit plays a role into how they evaluate me. The police case number is XXXX.
Product: Debt collection

The fdcpa clearly states that harrasment aka calling repeatedly to collect a debt is against their policy, which is exactly what is happening to me, I would like to report that commenity bank is using harassing collection methods, and I have proof on my call list the amount of times a day I get called.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document for my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Debt collection

I have disputed this account with the creditor as well as the credit bureaus mutliple times. Both of which have failed to respond or send any proof that this debt is actually valid and legal. I believe this account also violates my personal HIPPA rights as it clearly shows its from a XXXX office and if you look at the account the reported dates are inaccurate across all 3 bureas which i believe is another violation of my rights. I have sent letters in XXXX and again in XXXX regarding this specific account and no one can seem to get back to me or fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is hacked, but at the same time said my info " might have been '' hacked. They should either give me an 100 % sure answer, or not to give me an answer.
Product: Credit reporting

Transunion has an account I have with XXXX on my credit report that should not be still listed. From their own records, they state that the account was closed on XX/XX/XXXX, yet say the last payment was on XX/XX/XXXX ... which is not only inaccurate, but impossible. If the account was closed on XX/XX/XXXX, then the first date of deliquency has to be months earlier ... thus over seven years ago and should be deleted by now.
Product: Credit reporting or other personal consumer reports

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

I owned a property in XXXX Missouri that was destroyed by the XXXX  tornado. It is now a vacant lot. I had a first and second mortgage with Option One Mortgage Corp. When I sent them the insurance check they only released the first lien and the second one is still showing on the title and I can't sell the property. This company has been out of business since XXXX and I can't find any other company that might have purchased the debt. however, I feel like I don't owe it and they just failed to release the second lien. I need to get this lien released and I can't figure out how. I have title companies and real estate agents and no one has been able to help me get this off. Can you lead me in the right direction?
Product: Credit reporting or other personal consumer reports

i have sent disputes and proof of payment to all XXXX credit bureaus regarding XXXX accounts the arent accurately reported. XXXX XXXX  ( XXXX XXXX ) and XXXX XXXX. These accounts she be reflecting as Paid. 

XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX
Product: Mortgage

Wells Fargo Home Mortgage acquired my mortgage from Wachovia, who had acquired my loan from XXXX XXXX. This loan was originally a HELOC, and was modified in XXXX into a second mortgage. The interest rate is a decent rate ; however, there was a large payment made by cashiers check of {$20000.00} in XXXX, paid to and cashed by Wachovia Mortgage, that has never been credited to or deducted from my account balance. This is a serious discrepancy which was not corrected when Wells Fargo originally took over the mortgage. I was not able to get Wells Fargo to correct the error during the modification process. I was told " this is not Let 's Make a Deal ''. " You do n't get to write your own terms of the modification agreement ''. Payments were misapplied during the trial modification, which had been requested for 4 months. I continued to make trial payments for 12 months and during that period of time I was credited for 0! That error was corrected in XXXX, and all trial payments were credited to my account ; however, the {$20000.00}. was never deducted from my balance. The terms of the modification for my first mortgage were not good ; it turns out it was a streamline refinance which greatly increased my interest rate rather than reduce it. During XXXX, I experienced multiple hardships and requested another modification for my first and second mortgages, especially since I was advised that the terms of the modification were not according to the HAMP guidelines. I was hardly denied. I was told I was not entitled to another modification from Wells Fargo ever again under any circumstances. In XXXX, the first mortgage received assistance from Keep Your Home California, which I greatly appreciate. KYHC told Wells Fargo that they would not be able to provide the assistance if the 2nd mortgage, also with Wells Fargo, was in foreclosure and that they had to remove it from foreclosure status and work out a resolution with me. The amount due for the 2nd mortgage at the time was under {$4000.00}. and they still owed me a credit of {$20000.00}. The moment KYHC provided a check for the 1st mortgage arrears, Wells Fargo place the 2nd mortgage back into foreclosure status and refused any work-out arrangement with me. Then they immediately sold my first mortgage to XXXX XXXX. KYHC does not directly assist with 2nd mortgages. Wells Fargo was dishonest with KYHC and with me in their handling of my 2nd mortgage account. XXXX XXXX was unaware that the 2nd mortgage existed and was putting my home in jeopardy. It is imperative that the large sum payment from many years ago be corrected, accepted as fact, applied to reduce my balance, and that it be credited to offset the amount of approximately {$6000.00}. Wells Fago wants to foreclose my home over. I am hoping you will be able to intervene so I wo n't have to resort to hiring professional assistance. My account # 's currently are : First Mortgage : XXXX XXXX # XXXX ; Second Mortgage : Wells Fargo # XXXX. Thank you for any and all assistance. It is greatly appreciated. XXXX XXXX
Product: Checking or savings account

I was advised on XX/XX/XXXX my account was going to be closed and no debits or credits would be allowed. I received a letter to XX/XX/XXXX stating the same information. On XX/XX/XXXX, a direct deposit from a hardship withdrawal from my 401k was accepted in breach of the notice via phone and the letter received. I have demanded the funds be sent back to the sender as is stated in the letter. The bank refused to abide by my request.
Product: Checking or savings account

In  XXXX   XXXX , my husband and I, both opened an account with Navy Federal Credit Union in  XXXX   XXXX  Kentucky. We moved to Florida in  XXXX .   I 'm  XXXX  and on a fixed income, and my   XXXX   XXXX   check went into my account, and my husband added me on his account so I could pay bills out of his account, where his military  XXXX  and   XXXX   XXXX   funds are direct deposited. My account went into overdraft, and was closed one year later, in  XXXX   XXXX . I went on an agreement to pay {$50.00} a month until the {$480.00} was paid off on my closed account. My Atm Card for that account was deactivated. Fast forward to  XXXX   XXXX ,  XXXX , my ATM Card for my joint account with my husband is deactivated. I ca n't get cash out from no Atm. I go  XXXX  miles to the only branch to get a replacement card, and was refused a card. I was never notified that the agreement I made in  XXXX   XXXX , the {$50.00} for my closed account was never received. Never notified, I thought it had been settled. I was told at the branch, No it has n't been settled and that 's why my atm card had been deactivated. No, it will not be reactivated until I pay off the overdraft on my closed account. I could n't understand, what that account had to do with the joint account. I came home, and called the banking facility customer service number, and again they tell me the same thing. They would issue me another atm card to the joint account after I pay off the closed account. I got upset, and asked to speak to a Supervisor. The Supervisor was a little  XXXX  with her position, and told me you have a closed checking account, and you opened a checking and savings account with {$5.00} and you never put anything in the savings account, and we will not issue you another card until your debit is paid off. For the life of me, I could not understand what the closed account had to do with the joint account. When was it wrote, that you are supposed to save money in a savings account. The savings account was their stipulation to open an account, and all of our Direct Deposits  XXXX  of them went into the joint account, after my checking account was closed. I do n't know if I 'm being discriminated against because of my race, or because of my class. I 'm not wealthy, and yes we struggle to pay our bills, but I ca n't pay the bills we do have, if I 'm denied access to the funds, the only branch is  XXXX  miles away. That 's what they told me, you can always go to the branch to make withdrawals. They act as if they do n't want my business. I do n't want to close this account that we do have, because our rent, medical, and food come out of this account, and we are trying to buy a home, and we have had this account since  XXXX   XXXX . Do n't want to change now. I will not be buying a home thru them, plus they turned us down on a car loan too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 accounts with XXXX XXXX XXXX. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XXXX XXXX 2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX 2018.Which was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down 200 points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..
Product: Vehicle loan or lease

Called GM Financial three times asking when they were going to send in an update to the credit bureaus reporting that my car loan was paid off. Every time I kept getting the excuse that it would show up next month as paid off. I paid off my car load XX/XX/2018 and have received the title. My third call to GM today, XX/XX/XXXX, the customer service rep admitted that the new system they instituted was causing compliance problems and they could not get it through electronically. My credit score is negatively impacted because of this delay as it still shows an outstanding car loan balance reported on ALL THREE credit bureaus!
Product: Credit reporting, credit repair services, 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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX XXXX Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage.
Product: Credit reporting

I disputed the XXXX XXXX Mortgage because I do not have a mortgage and have already had it removed from my credit report XXXX. They investigated and updated my credit report. I also do not have an account with XXXX XXXX and disputed it to have it removed from my credit report. Once again XXXX investigated and it was removed from my credit report. I do not understand why there are XXXX credit reporting bureaus anyway. They never have the same information on a person anyway. I think if there are going to be XXXX ( XXXX Equifax ) then they all need to have the same information on a person. That way when a potential creditor pulls a report from whoever they normally pull from, it will have accurate information because all three bureaus have the same information.
Product: Checking or savings account

I filed a complaint with cash app for an item I ordered from XXXX that I filed a claim for instead of disputing the XXXX charge like I asked the disputed the entire charge and denied it when I noticed on the same date that XXXX transactions for Instacart were there and filed a complaint with in a day they denied the claim insisting that myself or an authorized user did it the only XXXX authorized to use my card is me when I requested the documents the used to deny the claim no response I believe that since I filed the claim to dispute XXXX and filed complaints with the better business bureau and the FDIC and the federal consumer protection services that they are retaliating and abusing there power by denying any claim I file without just cause
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their attempts to collect a debt of {$1000.00} allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. 

The actions of XXXX XXXX XXXX  are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. 

I hereby request that XXXX XXXX XXXX  verify the validity of the debt owed to XXXX XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from XXXX XXXX XXXX as of the date of this complaint, XX/XX/XXXX. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX