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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX Date of Inquiry : XX/XX/2023 :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the Department of Education a letter of equity of interest stating that I am willing to oblige paying the amount the Department of education claims that I owe. The original lender of the loan was XXXX XXXX  and after trying to contact them I was immediately rerouted to the Department of Education. The first letter I sent was forwarded to a different address in which I received no correspondence whatsoever. After doing some research I found two addresses to the Department of Education. One in XXXX PA and the other in XXXX KY. It has been more than 30 days and I have not received any correspondence.
Product: Debt collection

I received a notification that Convergent Outsourcing placed a Collection Account on my Credit Bureau File - Apparently it was from XXXX. 
1. I never went into default with XXXX. I have been paying XXXX directly. 
2. The amount listed as an end balance is not correct.I never owed XXXX {$540.00} 3. XXXX should be refunding me for their terrible unreliable dropped calls service! 
This company whoever they are have never sent me a letter or gave me the opportunity to dispute incorrect account.
Product: Credit reporting or other personal consumer reports

My outstanding credit card balance with XX/XX/XXXXaccount ending in XXXX has been fully paid. I paid the amount of {$100.00} on XX/XX/year> and {$4500.00} was paid XX/XX/year> but discover has not updated my account with any of the payment and its still negatively affecting my account. Attached are receipts showing the proof of payment
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.

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX AUTO # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/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 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 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 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 XXXX years. 

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, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX MD XXXX XXXX XXXX, 2016 Manager CBR Department Macy 's Inc. 
XXXX, OH XXXX RE : XXXX account : XXXX Macy 's Card : XXXX Dear Manager : I have been a loyal shopper and upstanding card holder of Macys and CitiBank for quite a few years now. I have never been delinquent. I prided myself in having a credit score above that XXXX beacon mark due to my XXXX businesses, XXXX of which relies on my credit score to XXXX. I also have several mortgages for rental properties and real property I own outright. A vast port folio you can say. 
That being said, I usually pull my credit reports ( all XXXX ) every 3 months faithfully to stay on top on any issues that may arise. Needless to say I neglected to do so 4 months ago and so when I pulled it 30 days ago, I saw these credit accounts dangerously delinquent and the reason that I was told did n't make since. On around early part of XXXX I called customer service to find out why and spoke to XXXX, I believe, and he stated that the charges were due to residual interest. I had paid both of these account off 6 months ago and they both showed a {$0.00} balance on my XXXX account and Macy 's account. XXXX told me that he could not do anything so i requested a supervisor, manager, director, Vice President or President and told that I was willing to go up the chain of command to get this fixed asap. He stated that he would get a Manager to call me back but will On [ click to select a date ], I contacted Macys Credit and XXXX account via email and phone to request that my order be cancelled and my money refunded. Macys Credit and XXXX account would not agree to refund my money, insisting that the merchandise was on the way. n [ click to select a date ], I again requested that my order be cancelled and my money refunded, but I did not receive a response from the company. I have not yet received my order. 
I have enclosed a copy of the bill with the disputed charge highlighted, and copies of my email correspondence with Macys Credit and XXXX account. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX
Product: Debt collection

I was a victim of XXXX  crime. I am not responsible for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found three accounts on my credit report that do not belong to me I have not applied signed or used these accounts I need these off my credit since they do not belong to me. This is identity theft and I will not be responsible for someone elses spending. 

XXXX XXXX XXXX  XXXX XXXX - Account number XXXX Amt {$6200.00} XXXX XXXX XXXX  XXXX XXXX - Account number XXXX Amt {$6700.00} XXXX XXXX XXXX - Acct Number XXXX Amt {$8500.00}
Product: Student loan

Mohela is illegally trying to force borrowers to recertify before they are required to even though it says on the Student Aid. Gov website that borrowers did not have to recertify during to the pandemic or for 6 months after. 

Because of Mohelas illegal behavior, I am now in forbearance waiting to be placed back on the IDR plan I was on before the COVID pause. My loans have accumulated interest that they should not have because of this. 

I have already filed one complaint and I am still waiting to for Mohela to correct their mistake. 

I believe Mohela is committing a crime by intentionally giving out misinformation that is easily verifiable.
Product: Checking or savings account

On XXXX of XXXX, XXXX checking and savings accounts were open online fraudulently under my name with your bank, USAA. This is a military bank and I am not in the military and nobody I know is in the military either. I discovered these fraudulent accounts this year, XXXX, during the month of XXXX, when I received my XXXX XXXX report by mail. I got denied the opportunity to open a bank account, and the situation became suspicious to me because I do not owe a XXXX to any bank institution. 

I checked my other reports from the main credit bureaus as well as XXXX, and there is no information available about these fraudulent bank accounts. I filed police reports, I filed a report with the Federal Trade Commision and I notarized an affidavit already ti submit to you, but despite the fact I have called you 4 times already, trying to resolve this situation, I keep on getting transferred over from department to department. 

Your bank doesn't seem to care about my identity theft situation and your negligence is extremely abusive. I have asked every single representative I have spoken with to please provide me with the name and number of the person in charge of my case to submit all the required documents to clear my name with XXXX XXXX, but you keep on making up excuses and you keep on telling me to wait for an email or letter, which never comes. 

I am sick and tired of waiting for you to " attempt '' to resolve this situation and you do absolutely nothing about it. I have the right by law to be able to provide to you a notarized identity theft affidavit and police reports about this incident. According to the FTC, YOU MUST CLEAR MY NAME AND/OR BLOCK THE FRAUDULENT ACTIVITY FROM MY XXXX XXXX  REPORT. 

I need resolution once and for all from your end. You must provide me with exact instructions on how to submit this documentation to you and the name and direct phone number to a manager in your Risk Management department who is handling my case. 

I am complying with the law by doing everything I am being asked to do to clear my name, and to have the ability to receive copies of all the fraudulent activity under my name, therefore I expect you to comply with the law as well. 

It just seems extremely negligent on your end to approve 11 accounts opened within a day or two. You have not even bothered to call me or send me an email with information pertaining this case. 

I need a response from you with the exact steps on what to do NOW!!! I AM SERIOUSLY ASKING YOU TO TELL ME EXACTLY HOW TO SUBMIT MY FTC REPORT, MY IDENTITY THEFT AFFIDAVIT AND MY POLICE REPORT. 

I would like to resolve this matter directly with you, before I take it a step further. 

I expect your email or your phone call within the next week. ONCE I SUBMIT MY NOTARIZED AFFIDAVIT TO YOU ( WHICH CONTAINS MY LOCAL LAW ENFORCEMENT CONTACT INFORMATION ) AND MY LETTER FROM THE FTC, YOU MUST CLEAR MY NAME FROM THE XXXX XXXX REPORT AND I EXPECT A CLEARANCE LETTER SPECIFYING I HAVE NOTHING TO DO WITH YOUR BANK. I AM NOT IN THE MILITARY! 

Thank you XXXX XXXX XXXX
Product: Debt collection

Credit Collection Services/XXXX has reported my account to collections as derogatory. This report was made to all 3 credit bureaus while I was actively paying according to the payment plan arranged. The account has been paid in full and is still being reported as derogatory.
Product: Checking or savings account

XXXX XXXX has been attempting to take money out of my checking account for fees that the bank acknowledged to me they are notorious for doing. My annual fees are not due til XX/XX/2023 and I just signed up with a free trial and monthly payments that are to come only off of my debit card. The only fees required to come out of my checking account again are annual fees. I only transfer money over when bills are due from other accounts I have or from my savings to my checking account. So, the NSF fees that Navy Federal is charging me were for fees again not expected to come out at this time. Navy Federal acknowledged to me the wrong in what XXXX XXXX is doing but had the nerve to tell me they can not give me " courtesy '' credits for the NSF fees charged because they already gave me fees back at the beginning of the month. First, one has nothing to do with the other. Second, they are acknowledging XXXX XXXX is doing wrong so how it is a " courtesy '' to return fees to me that Navy Federal is charging me? I want all NSF fees related to the ACH attempt withdrawls returned to me regarding Planet Fitness. I will handle XXXX XXXX aside from what Navy Federal is doing on my own but I think my bank would have a bit more empathy in doing what's right instead of charging me for what another company is doing wrong in.
Product: Checking or savings account

I deposited a {$250000.00} check into my Bank of America account on XX/XX/year> at a branch. They placed a hold on the check of 7 business days until XX/XX/year> even though the funds have already been withdrawn on XX/XX/year> from the account from which the check was drawn. They plan to hold my funds for 7 business days before giving me the money.
Product: Debt collection

A certified letter dated XX/XX/XXXX disputing this alleged debt and requesting that Portfolio Recovery Associates validates was sent. On XX/XX/XXXX, I received a call from an old friend stating that they received a call from XXXX XXXX XXXX at XXXX about a debt that I owe to Portfolio Recovery Associates. Then I received a call from this company on XX/XX/XXXX at XXXX, phone number XXXX, and spoke to XXXX XXXX XXXX ID : XXXX. I informed him that I previously mailed a letter demanding that that validate the alleged debt and to send me said documents via postal mail. XXXX stated that my letter was received, the dispute was closed, and that it why he was calling me. I then received a letter on XX/XX/XXXX from Portfolio Recovery dated XX/XX/XXXX with XXXX months Statements from XXXX XXXX which does not validate this alleged debt. 
On XX/XX/XXXX, I sent another certified letter ( Tracking NumberXXXX ), and it shows that it was received on XX/XX/XXXX. The letter demanded that the company validate the alleged debt, to not contact me via telephone. I also asked that they delete this account from my credit reports since they failed to validate it. 
As of XX/XX/XXXX, I have yet to hear back from Portfolio Recovery and they continue to report this account on my credit reports. They last updated it with the credit bureaus on XX/XX/XXXX. I also disputed this account with the credit bureaus, they continue to say it was verified with the collection agency
Product: Credit reporting or other personal consumer reports

I called today, XX/XX/scrub> 2025, and spoke with an agent named XXXX, who told me he would transfer me to Special Handling since he couldnt assist with my issue. I was then placed on hold for 45 minutes before finally speaking with Paul, who said he was in the Escalation Special Handling department. 

When I asked why I had received the letter, XXXX said it was because I was using a credit repair company. I made it very clear that I do not use a credit repair company and provided all the information he asked for : my full name, last fouXXXX digits of my SSN, address, and email. 

I then asked if, now that I had verified my identity, my investigation would proceed. He said yes, but then put me on hold again. When he returned, he asked me what I wanted to dispute and why. I told him that I was at work and not in front of my documents, but that he could refer to my letter, which already included all the details. 

Then, out of nowhere, he tells me that my dispute letter was rejected for inaccurate information. When I asked what information was inaccurate and when it was rejected, he said he didnt have that information. He then started talking about how identity/credit monitoring is illegal, which left me completely confused. 

At this point, I asked who would have that information, and he told me that he is the supervisor for that department and has no supervisor himself, meaning I could only speak to him.

None of this makes sense, and its beyond unfair. Ive done everything Im supposed to do, and instead of getting real answers, I keep getting excuses, misinformation, and the runaround.
Product: Consumer Loan

Wells Fargo dealer services repossessed my travel trailer. This was a voluntary repossession on my part. I became permanently XXXX. I am XXXX % service connected XXXX and receive XXXX, I could no longer afford the payments. After repossession however under XXXX state law I was suppose to receive notice of sale in writing, which I was never provided. Wells Fargo Dealer Services has been unable or unwilling to provide proof of notice. This is a violation of law, therefore Wells Fargo must cease all credit reporting of this account on my credit reports, it must be deleted.
Product: Checking or savings account

Wells Fargo allowed my 401k to be stolen from both my accounts. 
They refuse to provide me with my {$53000.00} $ XXXX The XXXX  XXXX XXXX have investigated the crime and found the perps I still have not gotten this resolved yet!! 
PLEASE help.. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
Product: Mortgage

My mortgage was refinanced on XX/XX/XXXX from M & T Bank. Every year I would send my mortgage company my tax bill as instructed to be paid. I did not send them my bill as I knew I was going to pay off the mortgage. M & T ended up taking money out of my escrow to pay my taxes on XX/XX/XXXX {$5400.00} even though they knew they were going to get paid off. My new mortgage company paid the taxes on XX/XX/XXXX and my tax collected received the payment from M & T on XX/XX/XXXX and mailed the check back to the address from which it came. I was told by M & T that this was done by wire and that it had to be researched and that I would need to call back in 30 days! I told the agent the my tax collected received a CHECK and that it should be cancelled and a new one reissued to me ASAP and they said that is not how they do things. I called back on XX/XX/XXXX and was told to call back tomorrow as that would be 30 days ... .I called on XX/XX/XXXX and they said they received the CHECK back and that they will be reissuing the check and it could take another 2 weeks ( I still have my account with M & T ). I am very upset as they have been  able to hold my funds for 60 days now with no recourse or plan of action.
Product: Checking or savings account

My account was marked as restricted and Ive been unable to move or withdraw funds since early XXXX. I have thousands of dollars in this account that I am in serious need of and CAN NOT ACCESS. I spoke to them on the phone numerous times and sent numerous messages through their customer support chat. I was told the restriction would be removed by XX/XX/XXXX. This did not happen. I called many more times, and the issue was never resolved. On XX/XX/XXXX, I requested to close the account and have my money withdrawn or transferred out. I was given no response. I filed a complaint via CFPB, and they responded on XXXX indicating that they would close the account and return my funds, but this also did not happen. No one from the bank has attempted to contact me, and I'm unable to get through to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX  # XXXX
Product: Debt collection

Caine & Weiner sent me letters about an alleged debt asking me to pay them. They are reporting to the major credit bureaus although they have not sent me any document to prove this debt is mine. I have requested twice by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. I have sent them two Certified dispute letters stating that if they can not verify this account, they should not report or need to remove the account from my credit reports. They have responded once with a letter asking me to pay for this alleged account and have not provided any verification of this debt. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
Product: Mortgage

We recently fell behind on our payments due to an unforeseen accident. I called the mortgage company after we were able to return to work and our income returned to where it was at before. I advised the mortgage company of my intentions to bring my account current and was advised of deferment program that I may be eligible for. I filled out the required form on XX/XX/XXXX and set up an arrangement to pay {$2000.00} which was half of my past due balance on XX/XX/XXXX, then would call in to see the status of our deferral application. I have 3 complaints when it comes to my attempt to make a payment. 

1. I was advised that if I chose to make a payment on my account it would void my application for deferment. I was advised I would not be charged any lafe fees during the review process, but it they would continue to report any delinquencies to the credit agencies. I was advised that the application process can take 30 days to complete. I am being forced to pay the late fees on my account in exchange for protecting my credit score. 

2. My monthly payments are approximately {$1800.00} and my past due balance is approximately {$4000.00} with the late fees. I called to pay half the balance, to make a payment for {$2000.00}. I was told that I was not allowed to make a {$2000.00} payment. I was told anything over my {$1800.00} regular payment would be refused and if I mailed a check I would be issue a refund for the difference. I was told I could either pay {$1800.00} or the entire balance. I don't understand why the mortgage company is refusing to take my money. 

3. I attempted to make my payment online and through the automated phone service but was only given the option to pay the entire past due balance of {$4000.00}. When I called into the customer service to make the payment, I was told that I would be charged a payment fee for making the payment with a live agent. I was told since I could not make the payment online or through the automated service the only other option I had was to mail the payment. Since there are 5 days left in the month this means that more than likely the payment would not arrive until after the XXXX causing me to be charged additional late fee, unless I overnighted the payment, which would cost more than the payment fee. I feel as though they are using this to extort me into paying an extra fee.