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

I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account name and account number. XXXX XXXX. In accordance with the Fair Credit Reporting Act XXXX Account : 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 an account without my written instructions.
Product: Credit card

I am working with consolidated credit to resolve this account. I received multiple phone calls to the point of harrassment from XXXX. They have called atleast four times a day almost every single day since XX/XX/XXXX of this year. They have also called me outside of the sanctioned hours, for example, at XXXX and XXXX this past XXXX, and per your regulations, the XXXX calling hours are XXXX EST ( my local time ). I will advise them they are harrassing me and I may pursue legal action if they continue, but I am filing a complaint.
Product: Prepaid card

Purchased date : XX/XX/year> Date issue reported to company : XX/XX/year> Amount : {$500.00} I was unable to use my card online for purchases, unfortunately my card was put on hold and I was told to call which I did XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to the non compliance will Equifax, XXXX, XXXX. They have failed to remove information that I have requested. 

I question the accuracy and completeness of the report. I have attached a Public document with the Secretary of State proving that I hold all rights and titles, and interest to any account listed on the consumer report. I am the one and only true creditor. If there are any inconsistencies regarding my claim. Please have the debtor or the reporting agencies provide certified documents proving that they have a higher claim to than me.
Product: Student loan

In XX/XX/XXXX, I submitted an inquiry to the Federal Student Aid in regards to the Joint Consolidation Loan Separation Act ( JCLSA ). I received a confirmation email on XX/XX/XXXX. At the end of XX/XX/XXXX, my husband and I submitted an application to separate a joint consolidation loan and direct consolidation loan promissory note. We each received a letter of confirmation from XXXX ( the official server of federal student aid ) on XX/XX/XXXX. As of this day, this has been my only letter from XXXX. 
On XX/XX/XXXX, joint consolidation loan separation began. I have emailed XXXX periodically throughout XXXX, XXXX, and XXXX with predefined responses to my questions. I have called XXXX who said I have to call my loan provider ( Mohela ) for answers on my separation/forgiveness. I have called Mohela who said they did not receive anything from XXXX and I have to call XXXX XXXX XXXX. I have called XXXX XXXX XXXX who said they dont have any information and I need to call XXXX XXXX I have made XXXX inquiries to the XXXX XXXX about my situation and have only received a reply that they have my case number on file with the XXXX Ombudsman XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXfinanced a car with Kia Motors Finance, in XX/XX/XXXX I was in a car accident ( not at fault ) I was on time with my payments and never tried to neglect my payments. Car was totaled and there was a bit delay with the insurance and Gap to pay what they had to pay. After they paid it, it left me with a balance of {$120.00} which I never received correspondence letters which they claim they did send them. KMF took it upon themselves to put a charge off on my credit report from the date of the accident until XX/XX/XXXX. In XXXX was when I received the first letter from KIA that I owed that much so I payed it right away because I had no intention to neglect my payments. Payments from insurance And gap were never posted as on time but instead as a Charge off on my credit report.. I have already disputed this 2 times with credit bureaus and nothing gets fixed I also put a complaint with XXXX over a month ago and KIA MOTORS FINANCE wont answer to my complaint or message XXXX  back. I also snapped a picture of my account that said I had no payments due on XX/XX/XXXX and {$0.00} principle balance but yet KIA MOTORS FINANCE has it Reporting to credit bureaus as charged off in my credit report.
Product: Debt collection

I am currently a Chase account number with a college account through my fathers account at some .6 months ago a fraudulent purchase was made on his account they did not notify us of this fraudulent purchase instead they told us six months later that we all need to do accounts we were all worried because we have direct deposit payments which are the Deposited once every two weeks they told us that the accounts would remain open for 10 days the accounts have have remained open from XXXX until now XX/XX/XXXX and response we have all continue to make payments as we previously have with our debit cards chase which has not allowed these payments to go through due to the fact that the debit card was attached to the old Account we have all been into the branch now at least five times and we have still not resulted in having these accounts which have no money in them closed in response multiple companies have not been able to be paid and are now are telling us that we owe them money that obviously we had tried to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and that was unusual. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this and doing this on my own behalf and I need this taking care of a as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to be fraudulent activity. 
Please see identity theft report attached XXXX Account ending in XXXX XXXX Account ending in XXXX Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts on my credit report and inaccurate information on my account. This information is fraudulent and not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.
Product: Checking or savings account

I have been a customer of Wells Fargo 14+ years and I notice that I was being charged an extra atm fee when I'm not using an atm that's affiliated with Wells Fargo , I addressed them with this issue and was told that they will refund me the full amount which happened to be in the XXXX dollars or so, this was around XXXX or XXXX, and ive been a customer well over ten years at that time. My app won't allow me to see that far back. I was only aware of this due to an app called XXXX and that helped me address the bank about this issue.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXX XXXX
Product: Mortgage

Rocket Mortgage XX/XX/XXXX I attempted to refinance only to find out Rocket Mortgage submitted a forbearance loan in my name for XXXX I have never signed a forbearance loan of that amount 3 payments should have been put on my loan during covid. 

I filed bankruptcy XXXX, my attorneys assured me they had filed for the reconsideration for my mortgage after the bankruptcy they would start reporting again to the credit bureaus. Rocket Mortgage refused to report to the credit bureaus stating that my attorneys sent the reconsideration letter after the bankruptcy was completed, I had personally had my attorneys faxed a certified copy 5 times to Rocket Mortgage. 

I filed bankruptcy for the XXXX that Rocket Mortgage was asking for for foreclosure filing fees the put the amount back onto my mortgage payments. The worst of all this is I was just awarded a grant from AZ Mortgage Assistance Fund for XXXX send to Rocket Mortgage XX/XX/XXXX Rocket mortgage got the check and applied the funds to whatever they wanted and can't state why or what funds were applied too
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/year> ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information includes the following accounts, collections, and inquiries appearing on my consumer credit report, which I do not recognize or have knowledge of : XXXX  XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$24000.00} XXXX  XXXX Account Number : XXXX Total Fraudulent Amount : {$7300.00} XXXX XXXX  ( XXXX  Accounts ) : Account Number 1 : XXXX Total Fraudulent Amount : {$53000.00} Account Number 2 : XXXX Total Fraudulent Amount : {$11000.00} XXXX XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$7500.00} XXXX XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$6700.00} XXXX  Account Number : XXXX Total Fraudulent Amount : {$5000.00} XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$5800.00} Additionally, this fraudulent information has resulted in several hard inquiries and collections appearing on my consumer credit report maintained by you, including but not limited to inquiries related to the fraudulent accounts above. 

I have attached a list of the hard inquiries in question, as well as a copy of the consumer credit report maintained by you showing the fraudulent items. 

Furthermore, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I advised AFNI on several occasions that this debt is not mine. They will not remove this from my credit report nor have they provided PROOF that this debt belongs to me.
Product: Debt collection

I have been dealing with USCB Corporation regarding XXXX XXXX XXXX. They have claimed I took classes when that was impossible as I was in a XXXX XXXX  at the time, and I did not have, and still do not have the mental capacity to do college level work. I told them in writing, on the phone for both schools they represented, XXXX XXXX and XXXX XXXX XXXX, but they do not want to hear it, they want to collect fraudulent funds.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Itemized Account Statement Dear Navy Federal Credit Union XXXX XXXX am writing to formally request an itemized statement for my account with your institution. Please provide a detailed breakdown of all transactions, charges, fees, and payments associated with the following account : Account Information : Account Holder Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX To ensure accuracy and completeness, I kindly request the statement include the following details : A list of all transactions ( debits and credits ) for the period of [ XXXX XXXX XX/XX/XXXX ]. 

Itemized fees and charges applied to the account, along with descriptions and reasons for each charge. 

Any overdraft fees applied to the account, including dates and reasons for each fee. 

Any interest rates applied, including the dates and calculations used to determine the amounts. 

A summary of outstanding balances, if any. 

I am requesting this information to better understand the details of my account activity and ensure everything is in order. Please send the itemized statement to the mailing address provided above or, if available, to my email address. 

If there are any fees associated with this request, please notify me beforehand. I would appreciate a prompt response to my inquiry. Should you require any additional information to process this request, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. If this request is not addressed in a timely manner, I will be compelled to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I look forward to receiving the requested statement at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Tried to get credit report from Equifax on line. Can not verify information, message to call number. Called the number, on the phone XXXX minutes. They said they could not verify my information. They would send a letter in mail with pin number. 

XX/XX/year> Received letter, went on line, entered pin number, received message they could not verify my information. Told to call another number. Called the number. Computer asked a dozen questions. Answered all of them. The computer said they could not verify my information and said good bye.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFO : XXXX XXXX XXXX has fraudulently used my Social Security XXXX XXXX  account number to issue me my own credit. How I found out is when I linked my social security number to my small business bank account on XX/XX/2017 for XXXX XXXX dollars and was approved and acknowledged and XXXX XXXX pooled my credit report because someone seen the transaction take place. I also filed a XXXX XXXX with the IRS as the issuer of my own credit and it was approved as a tax professional and XXXX still have failed to correct the records of the payments for All my student loans because their trying to raise capital off of me as a slave! I'm over the age of majority and competent! They are trying to comitt embezzlement again me. According to the VESSLE lien act, they only had until the age of 25 to commit this crime against We The People! I also reported this matter to Experian for them to correct their records as well because their reporting false information against my account and has caused me punitive damages! This matter is with prejudice. 

P.S. 
XXXXXXXX
Product: Checking or savings account

XX/XX/XXXX my account was blocked I called customer service and was told my account would be unblocked. I was still unable to use my ATM Card but was able withdraw money at a branch. XX/XX/XXXX I called customer service was told my account is still blocked and they had no information as to why. I was told I would receive a letter in the mail within 5-7 business days of the account being blocked regarding the account. Today XX/XX/XXXX I havent received any letter explaining what is going on with my account and money. I went to the bank the tellers were unable to tell me whats going on with my account and I was unable to touch my money. I placed another call to customer service and finally spoke with XXXX of the security alert department. XXXX told me my account was blocked due to a XXXX  deposit that was suspicious he verified I know where the XXXX came from and the amount and said he would unblock my account. He asked me to try to log into online banking which I could not do. A message popped up that stated my account was blocked for my security. XXXX then told me upon further research he couldnt unblock the account and didnt have any more information for me except for wait for a letter the account is still in review and, once again explaining I should have received a letter within 5-7 business days which I havent. The bank continues to hold my account and money without giving me any answers or letting me speak directly with the department that is reviewing my account. How can a bank keep my money and not give me answers. I have kids, a mortgage, and bills to pay.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2024 XXXX charges totaling XXXX appeared on my account. I tried calling the merchant but got no where. I completed XXXX XXXX 's dispute form and sent it to them twice. No reply.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX. 
showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

Debt Collection From MIDLAND CREDIT Management trying to collect debt from me that I have no knowledge of. I am not liable for the debt that MIDLAND CREDIT Management claim I owe. I also stated that I do not have a CONTRACT with MINDLAND CREDIT MANAGEMENT that shows I owe money to MIDLAND CREDIT and they have no right to keep calling my phone number which I stated that I do not want to recieve the phone call anymore. I also request my Collections to be removed off my account since they can not PROVIDE me with " DEBT VALIDATION LETTER ''
Product: Vehicle loan or lease

I have a title with Infiniti Financial as the lien holder. I paid them off in XXXX. They acknowledge that I paid them off in XXXX. They are refusing to provide me with a lien release so that I can sell my car.
Product: Debt collection

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX and I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. The account has been charge-off and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by XXXX. In this case my debt should be removed from my credit report and out of the office of XXXX because they do not have the right to collect in the State of Texas. Because accordingly, to the State of Texas no debt collector can hire another debt collector to collect on their behalf. I called the Secretary of State Texas debt collections division and asked as this type of collecting is legal and it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted a cfpb complaint pertaining to this issue. The issue is reporting and how much inaccuracies there are. As a creditor you have an obligation to report accurate information that is 100 percent verifiable. This is not the case. Instead of saying you have to report accurate information and can not remove. You should read the Fair Credit Reporting Act it clearly lays out that if information is not 100 percent verifiable it has to be removed. The irony of your company saying it has to report accurate information when clearly you can see in the credit reports that is not the case. Just look at the attachments. XX/XX/XXXX has a MAXIMUM DELINQUENCY of 120 days between XX/XX/XXXX and XX/XX/XXXX, but on Experian the delinquency are 180 days between XX/XX/XXXX and XX/XX/XXXX. If my elementary school taught me anything 180-120=60. That is a 60 day difference in the reporting also know as two months. Also the original charge off was {$3600.00}, then your company updated it to {$2800.00}. Why did you update the number to a dollar amount that no statement has. XXXX settled with me for {$1500.00} dollars as you can see on the settlement papers I already paid {$1000.00} so back to elementary school XXXX. Which is one more payment which I will not be making till this is resolved. Removal of your account from my credit report is not an option its an obligation you have inaccurate reporting and which ever way you try to spin it doesn't change. I have all the documentation i just want this resolved. The CRA will remove this account one way or the other, it doesn't take a banker to figure out that your company was negligentful in the reporting. You can either remove this account after an " investigation '' a child could do, or I will be mailing you guys ligation papers, and will be seeing you in court. The law is quite clear on your obligations. Also I have documentation of your company having a system error on XX/XX/XXXX. XXXX has confirmed this and your customer service has confirmed this. How does a XXXX dollar company not keep a small credit card account in order? I am not going to waste my time going back and forth with your company so either this is removed at your own accord or through a court ruling.Just take a look at the attachments and you will clearly see your company is in the wrong. This is no ambiguity in this case, just clear cut.