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

I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the XXXX XXXX XXXX. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of extreme identity theft reported, numerous times. 
A XXXX XXXX card was fraudulently opened under my identity. 
I have In multiple occasions tried to contact XXXXXXXX XXXX  to resolve this issue. 
I have been rerouted around and ignored, concerning this matter. 
This credit card was reported as bankruptcy, months prior to my attempt to file bankruptcy. 
I have public records and credit reports, reporting this fraudulent activity that is not mine. 
I was told I had know identity theft and that it was my card and my bankruptcy claim. 
This has ruined my financial wellbeing and and helped to enhance the already legal turmoil, I am enduring.
Product: Credit reporting or other personal consumer reports

I am writing to raise concerns about several issues with the credit bureau, including inaccurate account listings, unauthorized inquiries, errors in credit reporting, billing discrepancies, and accounts that do not belong to me.
Product: Checking or savings account

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, and XXXX XXXX XXXX have really dropped the ball here as well as my local branch in XXXX, Florida. This is in addition to my open complaint XXXX SUBMITTED ON XX/XX/2021. Long story short, I closed my account in person with a {$0.00} balance. Over the next few days, I saw activity on the account that I didn't authorize and wasn't informed of. Suddenly they locked my entire access to the account without reason. I can not access my account online, over the phone, or in person. Their phone support puts me through to the fraud team and after an hour+ wait each time, they're not able to assist me. They have promised me a callback over 6 times but I haven't received one.
Product: Mortgage

I have made numerous attempts to pay the mortgage company. I began calling in XX/XX/XXXX, they ignored my calls. In XX/XX/XXXX i made a formal complaint and they assigned XXXX XXXX to my file. I applied for 2 modifications and was denied. they said my payment started at {$510.00} and is now {$740.00}. they said since it increased they cant help me. I asked them could they waive or reduce fees, they said no. I offered to pay {$1500.00} per month, 2x the mortgage they still say now. my mortgage statement say that i owe $ XXXX i am willing to get another loan to pay them off. they now say i owe $ XXXX. on XX/XX/XXXX XXXX XXXX said i owed $ XXXX, she called a month later on XX/XX/XXXX and said i owed $ XXXX, the most recent notice says $ XXXX, how did my balance jump $ XXXX, it does not make any sense. I am willing to pay the mortgage, they will not allow me to. i have been advised that if i send any money, my home will still be taken. i have saved money and am prepared to send it to them.
Product: Credit reporting or other personal consumer reports

Greetings Dear CFPB Team : I recently reviewed my credit report and noticed an account ( XXXX XXXX XXXX ) that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. 

The consumer reporting agencies need to report all information with complete accuracy. This account ( XXXX XXXX XXXX ) has not been never late on payments i've attached a copy of my report to this complaint. I had send letters twice to bureaus to resolve this matter amicably but they had ignored my request. Check attached letters. 

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Bank account or service

Well first off i have a rushcard. I understand they r having ptoblems but when i cant get to my money its a big problem. I noticed that my card that had got stollen months ago was the card on file. And thats where my direct doposit went. Then today i checked it and XXXX is missing. every time i call someone is hanging up on me or acting like its not an issue and its not for them but a big one for me. I have bills and now i have late fees on bills.i also have a fine i have to pay and a child to take care of. I dont have gas and i dont have family to borrow from. Its just sad because i am stressing badly and the company does not care that my money is missing they think by saying its safe iits ok dont think that it is unless i have it. I work hard for it. Is there anything i can do my landlord thinks im full of XXXX and just dont have it.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX I call each credit bureau on XXXX XXXX. And on XXXX XXXX a letter came in the mail with my information but have XXXX XXXX name on it and XXXX XXXX and his partnership are the people that I did file a identity theft report on to XXXX XXXX XXXX XXXX haven't been receiving no mail at all and from XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX accounts all of my information has been changed. I just updated my idx information and it had another address associated to my account.
Product: Debt collection

XX/XX/XXXX XXXX {$20000.00} The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting 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 bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX BALANCED {$2400.00}
Product: Credit reporting or other personal consumer reports

I have experienced great mental hardship, and this account is stopping me from refinancing my home. I am in dire straits financially and I am attempting to handle this matter privately, now. 
I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE this account from my consumer report. ACCOUNT : XXXX XXXX XXXX XXXX. Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure 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 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. I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Checking or savings account

I have several accounts with Navy Federal Credit Union - personal checking and savings, business checking and savings, and credit card. 

I am 10 days late on my credit card payment - TEN days, not 30, 60 or 90 - with a longstanding good history with this bank. 

I get paid Friday - but today, they withdrew my entire checking account balance without my knowledge, to apply it to the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX and XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Student loan

I have been repaying my student loans since XXXX, and I consolidated them in XXXX with Navient ( formerly Sallie Mae ) and that resulted in 2 loans. 

Loan Type - DIRECT School - CONSOLIDATED Current Owner - U.S. DEPARTMENT OF EDUCATION Guarantor - DEPT OF ED/NAVIENT Disbursement Date - XX/XX/XXXX Original Principal - {$28000.00} And Loan Type XXXXDIRECT School - CONSOLIDATED Current Owner - U.S. DEPARTMENT OF EDUCATION Guarantor - DEPT OF ED/NAVIENT Disbursement Date - XX/XX/XXXX Original Principal - {$11000.00} In XXXX, XXXX I was advised that in order to pay off my loans in the time that was originally agreed to by both parties ( me and the Dept. of Education ), my student loans would be increased from {$260.00} per month to {$330.00} per month. ( At some point they were at {$260.00} and reduced slightly at Navient 's direction to me after they did whatever calculations they do to determine the repayment amount ). The increase from {$260.00} to {$330.00} was significant to me and I tried to dispute it with them several times ; I asked for my complete loan payment history and at that time they would not provide it. They would only provide a summary of all loan repayment activities. With all of the changes to student loan repayment and in light of the recent law suit they settled, I decided to try to dispute the interest they are charging me with your agency because if they calculated my repayment amount to be that much lower at the start of the loan, they were collecting a lot more interest than they should have been for 6 years! The interest I pay on 6 years is very significant. I tried to get them to tell me the difference so I could dispute the additional amount of money I will end up paying in interest due to their faulty calculations and they absolutely refused to do so. After about 5 phone calls I gave up, feeling helpless and very much victimized. I even told them I was waiting for someone to initiate a class action lawsuit based on this issue because I was sure I am not the only person they did this to. It made no difference to them. I have a printout of all my payments and the rate hike now and I'd like to know how I can formally dispute the additional interest they will inevitably collect from me and have that amount removed from my responsibility since it was them who calculated my repayment amount and I simply followed their directions and set up that amount for automatic payment. I cant easily estimate the over-payment amount, but my interest rate is 5.75 %, with a .25 % break when I pay through auto-pay. The loan is estimated to be paid off by XXXX/XXXX/XXXX now and I can't figure out how much I am overpaying because if there has been no change in interest rate ( which I was not advised there was ) then it seems they charged me less money at the start when interest was highest, and not even {$0.00} went toward repaying the principal unitl after the first 13 months. All this seems wrong to me. When I ask them direct questions about it, in XXXX and XXXX, I never receive straight answers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, I purchased {$200.00} of XXXX through Coinbase.com. I have been trying to log in to my account since XX/XX/XXXX and have reached out to their customer service 5 times with only automated responses. The system will not allow me to access my account and see my statement even though I also uploaded my driver 's license per their request. When I contact customer support, they only have automated messages. I looked at their XXXX company page and they have a realm of other complaints related to people being able to use the system or view their investments.
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments on XXXX and XXXX of 2020 during COVID19. Do you even mark consumers ' late during these times? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report with XXXX XXXX, XXXX, Experian and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all 18 active federal student loan accounts noted at department of education/ XXXX  off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. 

XXXX have reported 18 active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of EducationXXXX XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.
Product: Credit card or prepaid card

I signed up for the Capital One Platinum Mastercard in XXXX of 2015 and provided them a {$200.00} deposit without interest that I was told would be refunded when my credit improved. My credit score was XXXX at that time.
I now have two other credit card accounts which are unsecured and a credit score of XXXX out of XXXX. Captial One refuses to return my deposit now after almost two years and told me I would have to cancel my card to receive it, which would damage my credit.
If my case is n't an ideal one for a security deposit refund, I do n't know what is.
Product: Mortgage

I received a solicitation in the mail that appeared to be from the mortgage company I originally got my loan from. I called the number, and they played right along that they were the same company I previously use. Later on I realized they were not the same company, They used a trusted company name I knew to try to fool me into doing business with them. This is straight up bait-n-switch advertising that has no place in commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Issue is that my credit score which access through my bank 's application show different figures than what a Mortgage company recently run my credit score as I'm applying for Mortgage, to more clarify the Issue, my credit score that I see on my XXXX XXXX APP SHOWS THAT MY SCORE IS XXXX ALSO MY SCORE WHICH I SEE ON THE CASE BANK APP IS XXXX AND THE SCORE I SEE ON XXXX  XXXX APP SHOWS XXXX BUT WHEN i APPLIED FOR MORTGAGE THROGH A MORTGAGE COMPANY CALLED GURANTEED RATE AFFINITY THEY ADVISED ME THAT MY XXXX XXXX IS XXXX THROUGH XXXX, THIS IS REALLY CONFUSING BECAUSE ITS ALMOST 80 POINTS LESS THAN WHAT I SEE ON MY BANK 'S APPLICATION I REALLY NEED EXPLANATION AS THIS IS AFFECTING MY LIFE DUE TO THAT FACT THE MORTATGE COMPANY MADE ME STUCH IN FHA LOAN ONLY FOR CERTAIN AMOUNT THAT CAN'T QUALIFY ME TO FIND A HOUSE TO LIVE IN I REALLY NEED TO KNOW WHAT IS MY REAL SCORE IS THIS THERE IS A BIG GAPE BETWEEN WHAT THE BANK APPLICATION SHOWED ME AND THE MORTGAGGE COMPANY. 
IF I HAVE A PROBLEM ON MY CREDIT REPORT THEN I NEED IT TO BE FIXED HOWEVER IF MY CREDIT REPORT IS MATCHING WHAT MY BANK 'S APP SHOWS THEN I NEED A PROVE WHICH IS GOING TO HELP GET MY PREAPPROVAL OF THE MY MORTAGAGE RAISED AND CONVERTED TO CONENTIONAL LOAN
Product: Credit reporting or other personal consumer reports

CONSUMER XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX to whom it may concern at " XXXX XXXX XXXX XXXX XXXX  XXXX the above addressee... 
I received a copy of my credit report and have found the following items to be in error by the provisions of the Fair Credit Reporting Act I respectfully demand these items to be investigated and removed from my credit report it is my understand and belief that you will recheck these items with the " creditor/agency/corporation '' who posted them Please remove any information that the " creditor/agency/corporation '' can not verify it is to my knowledge that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX that withing ( 30 ) days you must complete this re-investigation of the receipt of this notice Please send me an update copy of my credit report to the above address Thank you for your time and help in this matter. 
RESERVATION OF RIGHTS I reserve my right not to be compelled to preform under any contract or commercial agreement that i did not enter into knowingly willingly voluntarily or intentionally and i furthermore do not accept the liability of the compelled benefit of any unrevealed contract or commercial agreement further more the following laws Experian as of XX/XX/year> is being sued due to not properly investigating accounts and improperly reinserting disputed invalid and unverified information on to consumer reports which I Am included and of these actions. 
in this dispute I Challenge Experian for violations in accordance with The CFPB Sues Experian for Sham investigations of Credit Report Errors XX/XX/year> Experian has not properly been investigating my accounts and reinserting them back onto my consumer report/profile XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  challenges the XXXX day response time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Challenges investigation protocols XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Challenges reinsertion protocols
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance : {$23000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus reported I had a XXXX balance on my XXXX XXXX XXXX XXXX charged off checking account as of XX/XX/XXXX, after I paid the account in full. AfterXX/XX/XXXX the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost 50 times severely hurting my credit score and ability to access credit. I disputed the XXXX XXXX XXXX XXXX late payments in XX/XX/XXXX when I discovered the error. The credit bureaus completed the dispute in XX/XX/XXXX without making the corrections and removing the false late payments from my credit report.