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

I am writing to notify you that I am a victim of identity theft due to a recent data breach that compromised my personal information. As a result, fraudulent accounts and unauthorized credit inquiries have been added to my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my report. 
XXXX Accounts : XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$3000.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$680.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$740.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX XXXX  - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$41000.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$20000.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$7800.00} XXXX. XXXX XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$440.00} XXXX. XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$4400.00} Fraudulent Credit Inquiries : XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to, they have have not provided any records.
Product: Debt collection

I switched debt consolidation and entered with XXXX XXXX XXXX for a few months until they went under. This was about XXXX years ago. I didnt understand how it works so I trusted that the money I paid them would resolve the debt. It did not. Now I have a wage garnishment. What happened to the money I paid. I think that its gone. Is there anything else I can do?
Product: Credit reporting or other personal consumer reports

To Whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo intentionally miscalculates an escrow account shortage to raise the monthly escrow payment. 

I received a letter dated XX/XX/XXXX saying " Your escrow account has a shortage of {$120.00} '' My monthly payment will now be increased. 
In " Part 3- Escrow account projection '' and " Part 4 - Escrow account history '', they make a projection based on the current payments. However, they only enter the payment for 11 months and omit payment for the current month - XX/XX/2019. This payment is coming - it is just not due until XX/XX/XXXX. So they make a calculation with 11 out of 12 payments and then state there will be a shortage. 

The missing escrow payment of {$490.00} would more than cover the {$120.00} shortage. This " shortage '' is created by the intentional miscalculation. A reasonable person would project with 12 payments and see there is no shortage.
Product: Student loan

Aidvantage is saying I have a student loan payment due on XX/XX/2022. I got this email today, XXXXand the amount for an IDR is ridiculous. XXXX? I cant pay that!
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies have listed a " charge off '' account from Navy Federal Credit Union. I contacted XXXX in regard to the dispute I filed with them only to receive they investigated and found this was my account. I do NOT dispute that. 

Problem : I keep getting letters and emails from NFCU and of just this week an email from a man to contact this such and such number with extension number. I call that number with the extension and all I get is an arrogant and rude person working in a collection call center. When I ask for this person they want my life history. Sorry, I am not giving them all this information so they can try and talk with me. I have written, called and have asked the credit reporting agencies to help me bring these people ( NFCU ) to the table to discuss this matter. I have offered in writing to NFCU a financial settlement, to no avail. 

Please help me here. My credit is being dragged down because of this banking institution.
Product: Debt collection

On XX/XX/2023 I decided to check my XXXX XXXX Credit Report and I noticed a medical collection on there. The Collection agency name is called Medical Revenue Service. When I saw the negative mark on my credit report I notice where it said " Loan Type '' it clearly states Collection Agency/Attorney. This is illegal under FDCPA rule 15 USC 1692e ( 3 ) 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 3 ) Which states. The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

This collection agency is representing themselves as a Attorney to collect a debt from me which is not allowed PERIOD!! 

Also under FDCPA rule 15 USC 1692b ( 5 ) 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

In the letter I enclosed it clearly states Medical Revenue Service is a debt collector. We are trying to collect a debt on behalf of XXXX XXXX. We will use any information obtained to collect this debt. There clearly stating there in the debt collection business if they wasn't they would not be trying to collect this alleged debt from me. I believe i should be rewarded {$1000.00} on each violation that was broken so {$2000.00} total.
Product: Checking or savings account

On XX/XX/2023 I got a call from Chase Bank about a charge that was being made and did I authorize it. I said no and then they said that they would cancel my card and reissue another one. It turned out that they were scammers and were spoofing the phone number of Chase Bank. They had a lot of my current information and sounded legit. I gave them the info they requested. The next day when I checked my accounts they had withdrawn twelve- {$100.00} withdrawals and two- {$40.00} withdrawals from my checking account and two- {$100.00} withdrawals from my savings account for a total of {$1400.00}. I immediately called the Chase fraud department and they said that I made the withdrawals. I said I didn't and after some research we found that they used my XXXX XXXX to make the withdrawals from the info that I gave them. After going back and forth with the fraud department they said that they weren't going to refund any of the money and rudely hung up on me. I called them again and said that the {$200.00} from my savings account showed being refunded and they said it may be refunded. Well, a few days later they did refund the {$200.00} in my savings account. So why did they refund it to my savings account but not my checking account? I thought there was some federal law that they have to return my money. I did contact the bank the next day and after the scammers took the money out of my accounts but gave up not knowing I may have some recourse but finally decided after doing a lot of research to contact the FDIC for help in this matter. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is in violation under the FCRA. They have violated 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. All the accounts demanded of fall under these federal law so if CONGRESS DEMANDS these accounts to EXCLUDED from a consumer.report WHY IS TRANSUNION WILLINGLY REPORTING THEM IN DIRECT VIOLATION! TRANSUNION has responded they VERIFIED the accounts past XXXX days THAT I NEVER DISPUTED TO BE INCORRECT there for TRANSUNION conducted a FRAUD RE-INVESTIGATION. I NOW DEMAND TRANSUNION UNDER 15 USC 1681i by definition of investigative report TO PROVIDE ALL NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED to verify such accounts and IF THIS INFORMATION CAN NOT BE GIVEN THESE ACCOUNTS MUST BE DELETED because a proper investigation WAS NOT CONDUCTED
Product: Credit reporting or other personal consumer reports

On or about XXXX TransUnion interactive inc.failed to place or remove multiple security freeze/lock and was left for months or even years in violation of the fair credit reporting act and was unfair in violation of consumer financial protection act of 2010 ( cfpb )
Product: Checking or savings account

I have been unable to access my Barclays online accounts despite entering in correct log-in information, including their one time PIN codes. I have tried to resolve the issue with Barclays but ended up on hold and no one picked up. I am not able to access my accounts or speak with them.
Product: Payday loan, title loan, or personal loan

I was told my pay off was XXXX I missed 1 payment since they relocated out of the city I am live and you cant pay over the phone, I had some serious medical come up .. anyway when I went in XX/XX/XXXX they said I now owe {$640.00} .. I tried talking to them, the lady was very rude and said its too late we sent it to an attorney so you can make a payment but it wont help you.. 
however what really upsets me and I think is against the law is that I sent someone over the next week to make another payment, they disclosed to him that I was delinquent on my account and also gave him my balance..
Product: Credit card

I am writing about the repeated obfuscation by Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX Credit Card ) for the dispute that involved a {$1000.00} charge with XXXX that took place in XXXX of XX/XX/XXXX. I never received the product and have contacted the merchant with no resolution. From XXXX thru XXXX ofXX/XX/XXXX, I have begun hour-long phone calls several times a month with Comenity, speaking with over 30 customer representatives to inquire about the disputed charge and to attempt to proceed with a fair investigation process. Each representative told me a different story, contradicting one another, transferring me to 5+ agents in a single phone call, having me wait hours on the phone, only to reach no resolution at the end of every ordeal. But the commonality remained : Comenity was deliberately obstructing a fair investigation process and attempted everything at its disposal to not refund its customers the money that they have lost. 

After months of dealing with the wrong account protection department, I was finally transferred to the right dispute department on XX/XX/2023. However, on XX/XX/2023, the dispute department closed my dispute case and claimed they have finished their investigation in merely 3 days. When inquired about what evidence they have and what their investigation entailed, I was met with silence and further obfuscation. I have written an appeal letter. However, I was told through 4 layers of escalation that the appeal will have little impact on the investigation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/scrub>/2023 Please remove it from my credit report. 

2. The inquiry was not authorizedXX/XX/XXXXDate of inquiry : XX/XX/year>2023 Please remove it from my credit report. 

3. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XX/XX/XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the creditor responsible for reporting them. If the creditor can not provide verification, I kindly ask that you delete the disputed information. As stated in 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter.

Please provide an updated copy of my credit report to the aforementioned address. According to the law, there should be no fee associated with this updated report. Additionally, I request that you notify any recipients of my credit report in the past six months about the corrections made.

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law, effective XX/XX/2017, any public record data must include name, address, dob, and ssn in order for it to appear on your credit report. The credit bureau has not updated the information, and per the new law a true bankruptcy that is listed must include this information or be deleted from my credit report.
Product: Debt collection

I have submitted multiple letters to this company to validate this debt that they say i owe. This company has not submitted the proper documentation to support that this debt belongs to me. They have not provided the proper paperwork with my signature on it to validate debt.
Product: Credit reporting or other personal consumer reports

I have made some attempts to dispute a specific account under XXXX XXXX with XXXX, XXXX and Experian and have not gotten a written response. All XXXX of the credit bureaus ignore my dispute requests and this inaccuracy is still on my credit report. This account is inaccurately reporting under the payment history : there is missing data, there is inaccurate data and unmatching data and is in violation of the Fair Credit Reporting Act.Under 15 U.S. Code 1681 ( e ) bAccuracy of reportWhenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

Lender ( Quicken Loans ) did not respond to inquiries leading up to a clear to close date, and only asked if we intended to go forward with the loan the evening prior to the clear to close date. We had supplied them with an engineering report that clearly stated there was nothing that should prohibit occupying the home, and no reason to forestall closing on the loan. 
Lender came back with an onerous demand for XXXX % of contractor bid to complete work. 
We were under severe duress and faced losing the home if we did not comply. Escrow was being held for the purpose of a foundation issue suggested by their appraiser, and not mentioned in our home inspection. Since we did not own the home at the time, and it was being sold as is, the former homeowner was under no obligation to grant adequate access for a thorough evaluation by the engineering firm and the contractor. 
Following the thorough evaluation, the engineer concluded that a front porch slab be replaced and that there was no need to do any foundation repair. Quicken continues to hold our escrow, failed to provide the name of the supervisor of XXXX XXXX, who supplied an abusive and inadequate response to our requests for the funds. Further, we have put in a request for a check to be paid to a contractor so work can begin, and that request has been ignored, even though we proceeded as stipulated. 
Quicken 's failure to provide us with sufficient time to seek alternative funding has cost us tens of thousands of dollars. The inconsiderate manner that they conduct business is shameful if not bordering on criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF THE 2017 XXXX DATA BREACH. MY PERSONAL AND BANKING INFORMATION WAS COMPROMISED AND I TOOK IMMEDIATE STEPS IN AN ATTEMPT TO RECTIFY THIS SITUATION WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL. I HAVE PROVIDED YOU WITH A COPY OF MY ID/DL, SS CARD, FTC REPORT, AND POLICE REPORT TO ASSIST YOU IN THIS MATTER.
Product: Checking or savings account

I have evidence going back over nearly 10 years of money laundering and multiple account and cards taken out and used in my name through State employee credit union in XXXX NC. XXXX XXXX XXXX XXXX XXXX NC also was involved with these fraud and identity crimes. I have evidence of all these accounts and records of deposits of almost XXXX dollars at a time deposited into my account and then removed from my accounts and not by me. I've reported to the bank and law enforcement in my county. Nothing has been done to help me due to the bank member and county officials being the one 's commiting the crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.
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 rights under15 U.S.C. 681 XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX account # XXXX and # 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 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company XXXX contacted my sister around XXXX on XX/XX/2019. The representative was very rude with her and said she better have her ( me ) contact us or were going to SUE. I called the number back numerous time just trying to find out what company it actually was. He left a voicemail that didnt state what company he was calling from. When I called back, it just kept going to his voicemail. I finally got a live person and I asked for a supervisor. I was put on hold and after around 4 minutes, the lady tried to locate my account but couldnt find me. Finally she found me and didnt verify she was speaking to me and didnt ask for the last four of my social security number. She stated the last four of your social is XXXX. I explained to her this is not aloud and she was very nice but she still didnt get the proper personal information before discussing my account.
Product: Credit reporting

My credit report is a mixed file and contains information of a family member with the same/similar name. The information that is incorrect includes addresses, employment information and credit accounts.