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

I am attempting to dispute a collection from XXXX XXXX XXXX with Experian, an identity theft issue over 5 years old that had already been previously removed. 

While submitting new paperwork, their file upload is intentionally onerous and will not accept any files no matter how they are formatted, and their guidelines are inaccurate. 

When I submitted the information in text format because their website wont accept black and White .PDFS or .TIFFS no matter how small or scrubbed they replied by complaining of a omission of a middle initial and would not make a note of the information. 

Accept the document submitted here and
Product: Checking or savings account

My business account charged overdraft fee.I made deposit before XXXX try to get my account under- {$50.00} .They charged 3 times {$34.00}. 


XX/XX/2023 OVERDRAFT FEE FOR A {$6.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$210.00} XX/XX/2023 OVERDRAFT FEE FOR A {$6.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fee - {$34.00} - {$180.00} XX/XX/2023 OVERDRAFT FEE FOR A {$6.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$150.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, PA, XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  XXXX XXXX XXXXXXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Money transfer, virtual currency, or money service

I have had a DIRECTEXPRESS from COMERICA BANK for the last 8 years. On XXXX XX/XX/2023 I called the information line to find out about pending transactions as usual. The bank indicated that my card had been canceled. I had not authorized the cancelation. In fact, I had used the card recently in the month of XXXX. Only at the ATM so I didn't receive a paper receipt. The agent for COMERICA, XXXX, informed me that the card had been canceled three month 's prior. It is a debit card. So I went to XXXX located on XXXX XXXX XXXX and filled out paperwork to effect direct deposit into my bank account. That was XXXX XX/XX/2023. On XXXX XX/XX/2023 I obtained documents from my bank indicating that I had made ATM withdrawls in XXXX, no paper copy, and an XXXX on XXXX XX/XX/2023, obtaining a paper copy. I proceeded to XXXX XXXX and spoke to a Social Security XXXX. He directed me to this website and said that I could wait to talk with a specialist. He told me that many folks were experiencing similar problems with COMERICA.
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, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I filed an original complaint against CREDIT ACCEPTANCE and received a response from XXXX XXXX to seek further info about my complaint with the company. I explained that they have told me SEVERAL times that they don't have my debt and that it is being " handled '' by XXXX XXXX XXXX in XXXX Tennessee  Upon contacting them about the unlawful practices as advised by the FCRA of trying to collect a closed debt, in addition to a vehicle that was resold, they don't have the title to, wrote off with the IRS, and sent to another agency XXXX XXXX XXXX that I don't have a contract with and the " Law '' representative won't speak to me or contact me to discuss this illegal process. I have reached out to them and no response on several attempts.
Product: Debt collection

XXXX XXXX and SANTANDER are two auto loans that need to be removed from my credit report. I do not owe on these accounts. Santander was a part of a class action lawsuit that I was a participant of, and should have been removed from my credit report last year.
Product: Student loan

I am looking to refinance the student loan that I have with Navient. 
I emailed them XX/XX/XXXX to get this but have received no response I called them XX/XX/XXXX to request a loan payoff statement that the new lender asked for, they promised to email but have not received it yet. 
I emailed them again XX/XX/XXXX and waiting to hear back. 

They have repeatedly called to offer to refinance the loan with Navient but are not responding on the document that I need for the new lender.
Product: Money transfer, virtual currency, or money service

On Sunday XXXX XXXX I was doing a business transaction with a young lady whom I just found out is a fraud and scammed me out of {$95.00} through cash app. Ive tried everything I can with cash app to assist me and help me with getting a refund and also them looking into the account that scammed me but no action has been taken on their end. Cash app told me to request a refund from the person that scammed me and I did but they blocked me from requesting my payment back, cash app is saying they can not give me my money back or issue me a refund and I feel like that is horrible customer service and they need to be shut down, the girl needs to be put into jail, and if they cant get a direct customer service number then they no longer need to be available for use. I am very hurt by this situation of not being able to receive my money and cash app not helping me get my money back. Please help!!
Product: Credit reporting

XXXX is reporting a charge of {$120.00} on my Equifax credit report showing open still.They have not reported this charge since XX/XX/2016 and they informed me that they would close the account but it still shows open on my Equifax report.Their address is mentioned below : XXXX, NY XXXX Telephone No : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened with Fake IDs uploading the indictments. 
XXXX XXXX opened with Fake IDs uploading indictments. 
XXXX Accounts opened with Fake IDs uploading indictments.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated myfederally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity fraud involving multiple credit card companies. Unauthorized transactions have appeared on my accounts, which I did not initiate or approve. I have contacted the affected credit card companies to address these fraudulent activities and am seeking assistance in resolving the issue and protecting my financial information XXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX  opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX opened XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On Tuesday, XX/XX/2019 MCM aka Midland Credit Management called my Job to talk about money that I owe on a XXXX credit card in the amount totaling {$400.00} and for another account on XXXX in the amount totaling {$570.00} I kindly asked them to call my cell phone after XXXX and they insisted to keep me on the phone during my working hours as they have called my Job twice a day everyday for the past week. I told the male sales rep collector that I had already sent out a check for the amount of {$170.00}. Then the manager ( male ) got on the phone to tell me to stop the check and they will not except that payment. I told him I was willing to make payments and pay the total amounts. But he insisted that they would like to give me a discount of 40 % -50 % of what I owe and that I would need to have or give them a XXXX XXXX address for this agreement to work. So, I just heard the guy out in what he needed to say was only {$200.00} for XXXX and {$280.00} only for XXXX even though I insisted making second payment agreements in the future to setup and he said that would not work for this deal. I was under a lot of pressure while being on the clock and they said they were running a special deal offer and will end in XXXX. Also that the deal only worked if they had a XXXX  address to send the White Letter, Payment Agreement, and Receipt on paid in full. I told him I live in XXXX and havent live in XXXX for 13 years now. I really thought that was odd but like I said under pressure. They called from phone numbers XXXX and XXXX. Payment was sent for XXXX. That same week my account had an unauthorized transaction of money taken out and I filed a dispute with XXXX XXXX XXXX So, I didnt know that the payment didnt go through. I dont understand if Im looking to paying it off and I mean the total amounts then they should work with me and not lie about making deals and stopping checks because it was sold to them for pennies and just want to get rid of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to XXXX me a loan because of this. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX , XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX and XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Mortgage

For the past 6 years my mortgage payment including escrow has fluctuated between {$1200.00} and {$1400.00}. My most recent statement from Nationstar mortgage states they are raising my payment to {$2200.00} ( we have a fixed rate ), and I have a {$6500.00} escrow shortfall. How can a mortgage company justify such a huge increase, we borrowed the amount we did because that is what we can afford, now they are trying to charge us an amount that would be sufficient for a $ XXXX house when we only borrowed $ XXXX, this is almost double and highly impractical. I do feel that both our mortgage company and home insurance company are practicing predatory lending and unfair charges. I would like to have both companies contacted ( which I 've done ) to find out how they justify these extreme price/payment increases. Below is what I 've sent to the mortgage company already. 

How do you end up with a shortage of {$6500.00}, when that is the yearly total of my insurance and property tax? There is definitely something fishy with your estimation and payments of my ins. and tax. For instance my insurance is due once a year for a total of {$5100.00}, which you paid in XX/XX/XXXX or XX/XX/XXXX, and my property taxes barely exceed {$2000.00} for the year. If you paid these already there is no way I 'm that far in the whole. Secondly, how do you expect a borrower to just come up with {$6600.00}? And charging {$1200.00} a month for escrow is insane on a mortgage that is barely $ XXXX. You have definitely made an error somewhere and you need to recalculate. I 'm going to write the FCC and any and all other governmental agencies that monitor Mortgage lenders and protect borrowers from predatory lending as this is not fair at all. You may also want to consider contacting my insurance as they mistakenly billed again the {$5100.00} in XX/XX/XXXX or XX/XX/XXXX which I called them on and they reversed as it was paid in XX/XX/XXXX or XX/XX/XXXX, if you paid that twice that would explain the shortfall and that should not be passed on to my wife and I in such an extreme matter as you are doing. Either Nationstar or XXXX need to improve the payable & recieveable departments or both!
Product: Checking or savings account

My social security number was used to open a fraudulent checking account with Capital One 360 on or around XX/XX/2020. I first called Capital One 360 on XX/XX/2020 ( when I became aware of the account ) to request an investigation into the fraudulent account and begin the process of getting it closed. I was told that I would be sent a victim letter to fill out that would kick off their investigation, and that I would receive this letter in 5-7 business days. I never received the victim letter. I called Capital One 360 again on XX/XX/2020 and was again told that I would be sent a victim letter and to expect its arrival in 5-7 business days. I called Capital One 360 a third time on XX/XX/2020 and was once again told that I would be sent a victim letter. I have never received any written correspondence from Capital One 360. On XX/XX/2020 I mailed a letter ( from  IdentityTheft.gov ) along with my FTC Identity Theft Report to the Capital One 360 mailing address listed on their website. I have not received any reply, written or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account from XXXXXXXX XXXX XXXXXXXX with Transunion. I was able to prove I canceled my XXXX account XX/XX/XXXX but was continued to be billed till XX/XX/XXXX. These are fraudulent charges. The item was removed from transunion report on XX/XX/XXXX but showed up again. 
It did not stop being fraud! I should not have to dispute over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago Nelnet reported a remark to the credit bureaus regarding an account that was paid in XXXX of this year. How can they remark on a closed account? First they reported incorrect information on my credit report about the payments I made and the amount of time they were supposedly late. I have proof that I made payments and that the amount I paid was more than what they listed on my credit report.
Product: Credit reporting or other personal consumer reports

There are 2 hard inquiries that showed up recently on my credit report that are not mine. 
One was for a Wells Fargo Card Serv on XX/XX/XXXX and the other for XXXX XXXX XXXXXXXX XXXX XXXX also on XX/XX/XXXX. I have not banked with Wells Fargo for many years and I do not shop at XXXX XXXX XXXX. I believe these inquiries belong to my brother. We share a birthday, similar names and social security numbers that are nearly identical. Please help me remove these hard inquiries.
Product: Checking or savings account

I had a Citizens checking account and had no issues with the account. I woke up on XX/XX/XXXX, and my online banking privileges were not working. I called in, they told me my account was under review and my account would be closed ( Gave me no reason and to this day have not given me any reason! ). 

On XX/XX/XXXX mid-day went into the XXXX, PA branch office, to request my funds. I was told anything pending would be paid and that my paycheck for XXXX would be posted and I could come back in on XX/XX/XXXX to close the account and receive the remaining funds. When I came into the branch office, I waited to over 4-5 hours spoke to numerous people both in the Branch and then on the number provided above to discuss. They informed me that they would not give me my funds ( MY FUNDS of approximately XXXX!! ) and that I would be receiving a generic letter and at a much later date I would receive a check for the remaining funds. They provided me with no information or timeline or reason. 

They are holding my funds for ransom! 

I am being told I am being sent a generic letter which will have no information in it. Once I do, I can attach to this case.
Product: Credit card

I thought my credit card number was stolen, so I called Wells Fargo to let them know. They said they'd cancel it and send new ones. When I received the replacement card, I called to activate it. One of the things that their representative volunteered was if I had recurring charges, I'd have to set them up myself. 
I saw one of the recurring charges that I intentionally did not set up included on my billing statement. 
I called Wells Fargo to discuss this. It took me three people to get this answer, and it doesn't seem like it's legal. 
I was told that Visa provides a service to businesses that reestablishes the recurring charges without your knowledge, or consent. 
My major concern is what if I cancelled that credit card due to issues with a vendor, and that vendor is just able to ask visa to start charging again.
Product: Credit card

XX/XX/XXXX i got hit with a late payment on my Discover account when i told them that i was in boot camp i didnt graduate boot camp until XX/XX/XXXX i asked them can they removed told me to file a complaint to you guys i would like this off of my credit report due to me being in the XXXX and in boot camp at the time it is affecting me and my family may you please take this off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning LLC process to obtain a copy of the free consumer report is outdated and cumbersome. It can only be requested by mail or fax. The consumer has to fill out a paper form, and a copy of the person 's license, driver, and passport has to be provided in order to get the report. 
If the consumer does not own a printer or scanner, printing the form and making the identification copy it is passed on to the consumer. So it is not free. 
The other three reporting agencies provide the report online, making it convenient and fast. 
By using such arcane practice, Early Warning LLC discourages the consumer from obtaining the free consumer report.
Product: Credit card or prepaid card

I have had my Capital One buypower card for some time now. I am a responsible customer that makes timely payments. When requesting a credit increase recently I was denied with the only reason on the letter being " credit line increases are not available at this time upon request for this type of account ''. I called Capital One to try to get some clarity on this very confusing wording and reasoning but the representative simply said what was already on the letter, she just kept repeating that sentence and said there was no way for anyone to manually check out the account and why it was not eligible. Now this type of wording is very confusing because am I to assume that credit card accounts are not able to have credit line increases? The type of account it is is simply a credit card and I am not familiar with a reasoning of credit line increases not being available for credit cards. This interaction with Capital One was absolutely absurd and the fact that I can not get anyone to manually look at this and explain why I was misled into getting a credit card that is not eligible for credit increases is simply unheard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Amount : {$830.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Name : LVNV FUNDING LLC Amount : {$1100.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Please challenge and validate this unknown debt with proper documentation Please challenge and validate this unknown debt with proper documentation.
Product: Credit card

XXXX and XXXX of XXXX  I called the company and asked if they would remove the late reporting from my account they advised me that they could not do that. I advised them that I had changed banks and did not realize the payment was from the old account. until XXXX. They advised me that there was nothing they could do.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not and should not be reporting.
Product: Debt collection

I have disputed the dates they claim the account were opened that are on my credit file and have submitted proof from there own website that shows the correct open dates and I just need them to correct the information on my credit bureaus.