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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 : {$0.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$330.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$15000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX LLC ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX Balance : {$7000.00} ; 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 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 reporting or other personal consumer reports

I requested and received my personal credit report from all credit reporting agencies in XX/XX/XXXX. I froze my credit report due to unauthorized access to my information. I immediately filed a police report ( XXXX XXXX  ) and notified the Federal Trade Commission XXXX I have submitted numerous requests to remove unauthorized hard inquiries. The credit reporting agency refused to delete the information without verification and accuracy of the information. 

I sent the unauthorized solicitors certified mail requesting removal of hard inquiries. I have listed all of the hard inquiries I could not contact due to unforwardable addresses and no telephone number provided by the credit reporting agency. 
Remove the following unauthorized inaccurate and unverifiable hard inquiries immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

United Revenue Corp is reporting 2 bills on my credit reports for a medical bill I am unaware of. I have asked them and all the bureaus to verify this debt! Sent letters certified in XXXX and XXXX and have yet to receive itemized bill or signature where I agreed to pay this bill.
Product: Credit card or prepaid card

On X/XX/2017 I noticed a fraudulent charge on my credit card statement that was made at XXXX XXXX on XX/XX/2017 in the amount of {$47.00}. I notified my credit card company on XX/XX/2017 that this charge was fraudulent and submitted claim number XXXX. On XX/XX/17 I received a response from Bank of America that they have determined the charge was valid. I called Bank of America on XX/XX/2017 in the hopes of appealing this decision and I was told the case has been closed and can not be appealed. I did not make this transaction and am dissatisfied with the resolution of this case. Bank of America has failed to prove that I made this charge, and have not taken any action to protect my compromised account from further fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY FRAUD. I RECENTLY FILED A DISPUTE WITH TRANS UNION A CREDIT REPORT AGENCY. THE REPORT HAS SOME INACCURATE INFO. THE PERSON WHOM THESE ACCTS. BELONG TO LIVES IN XXXX, KANSAS. UNFORTUNATELY THEY ARE USING MY INFO. TO OPEN ACCTS AND OTHER SERVICES. 

THE ACCTS. IN QUESTION APPEAR AS CHARGED OFF. THEY DO NOT BELONG TO ME. 
HOPE YOU CAN HELP ME AND OR GIVE ME DIRECTION ON HOW TO GO ABOUT BLOCKING THE USE OF MY SSN. AND OTHER PERSONAL INFO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) - Permissible purposes of consumer reports ( XXXX ) ( XXXX )
Product: Credit card or prepaid card

On XXXX XXXX I called Capitol One to pay off my credit card. I first used my rewards to pay {$170.00} then asked to pay the balance. This is on Capitol One 's taped line. The young lady said my balance was {$5000.00}. I then paid that amount. I asked twice if that was all that was owed to have a XXXX balance. She said yes. Next month I got a bill for {$110.00} and some change. I called and talked to 3 different people. The bill was for interest and service fees. When I went thru their company to pay it off and was told I still owed more, I was very irate. I don't believe I owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am disturbed. After acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a XXXX XXXX credit card in the last 6 months. So XXXX XXXX Inquiry on JXXXX XXXX XXXX is not resulting from my personal action.
Product: Credit card or prepaid card

broadly and across the board, both store and general credit cards, are changing the policy to penalize those who live other then the eastern time zone but making the payment cutoff at XXXX. eastern. This permits them to penalize across the board anyone who is in a different time zone and rack up fees- how is this permissible
Product: Mortgage

Applied for loan modification and was pre-aproved. 
Directed to make a smaller mortgage payment for four months trial period.

Two of these reduced mortgage payments made were put in a suspense account and deemed me late on my mortgage.

After final loan modification approval received documents with awful terms.

The new mortgage would not reflect the five mortgage payments made and included late fee attached to new payment indicating I did not pay my hazard insurance premium.

I disagreed with the incorrect documents ( 1 ) my hazard insurance and property taxes are escrowed and paid on time ( 2 ) the mortgage balance I was to resume did not reflect mortgage payments from XXXX to XXXX. I declined to sign the loan modification documents. 
I have been working with XXXX office of Wells Fargo in XXXX XXXX, IA and the mortgage balance indeed was incorrect and Wells Fargo has determined this is so. 
But the two late mortgage payments indicidated, were never late and has now affected my credit profile. Two late mortgage payments is very serious but is untrue.

I would like Wells Fargo to correct my credit profile, perhaps enlist me in a new loan modification program.
Product: Credit card or prepaid card

This is in addition to the previous compliant. XXXX. 
I called Home Depot Credit and they told me they have already processed a refund of the overpayment. They said they are sending it to my bank. I have never paid the bill from the XXXX XXXX XXXX Web site. I have always sent it from my Bank Account. 
I ask how do they know my bank account and they claim I gave it to them and ask for it to be saved. I did no such thing. I have asked every time I called for a check to be sent. 
I have paid the monthly bill from 3 different banks.

I check on line and dug around on the Home Depot Credit web site and found they are sending me a letter billing dispute resolved. I have only ask for my over payment to be sent back to me via check. 
I have requested they remove my bank account info from there system. I really don't know how they got it and do not know if it is even correct. I requested they close the account. I going to shop at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. 
I DID NOT AUTHORIZE THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reprting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX. ) XXXX XXXX_Acct # : XXXX {$1200.00} XXXX. ) XXXX XXXX XXXX XXXX_Acct # XXXX {$1000.00} XXXX. ) XXXX XXXX_Acct # : XXXX {$600.00} XXXX. ) XXXX XXXX # : XXXX {$1600.00} XXXX. ) XXXX XXXX XXXX_Acct # : XXXX {$46000.00} XXXX. ) XXXX XXXXXXXX XXXX_Acct # : XXXX {$1200.00} XXXX. ) XXXX XXXXXXXX XXXX_Acct # : XXXX {$1800.00} XXXX. ) XXXXXXXX XXXX XXXX_Acct # : XXXX {$730.00} XXXX. ) XXXX XXXXXXXX XXXX_Acct # XXXX {$7100.00} XXXX. ) XXXX XXXX XXXX_Acct # : XXXX {$1500.00} XXXX. ) XXXX XXXX_Acct # : XXXX {$750.00} XXXX. ) XXXX XXXX XXXX {$2000.00} These accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX they marked me with a wrong late payment that was extended through XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

I have written Equifax and XXXX multiple times in requesting removal of erroneous collection accounts, old addresses, old phone numbers, old employers be removed credit report ( XXXX ). XXXX recently removed all the requested information and updated my credit profile. 

I have submitted to each credit bureau copies of my identification, and social security number as per each request. I have made numerous phones calls the merchant that reported the error on file to the collection agency XXXX XXXX to no avail. They refused to return phones calls. There is no address or email address on their website to write to them. 

I have asked all three credit bureaus to provide in writing proof of contract with my signature from these collection agencies within a reasonable amount of time. XXXX did not respond at all to my last correspondence and Equifax is asking again for proof of identification and social security card again. 

I am NOT re-sending any anymore identification information. I've attached the correspondence letters to between myself and both Equifax and XXXX. The first letter from these credit bureau 's claimed that I reported identity theft. I did NOT report any such thing. Then, they each sent me copies of my credit report containing the same errors. 

This has been going since XX/XX/2023 with letters back and forth. I was denied an apartment therefore currently residing with relatives. This is a temporary arrangement. But I implore the assistance of the CFPB to please step in to get this issue resolved by investigating or enforcing removal of these collection accounts from my credit report.
Product: Student loan

In Spring XXXX I contacted Navient to set up a fixed payment amount to be withdrawn via Navient 's XXXX program. Navient has failed to abide by the aforementioned and is withdrawing various amounts monthly. Due to Navient 's WORTHLESS website, I am no longer able to locate the correspondence confirming my request and Navient 's agreement to withdraw the fixed amount. I am beyond fed up with Navient 's " Live Customer Service Representatives '' who have absolutely NO idea what they are talking about, have never provided me with appropriate assistance, and have never fixed an issue which I have contacted them about. Someone needs to do something about this company ... we who initially borrowed from XXXX XXXX are being cheated BIG TIME.
Product: Credit card or prepaid card

I have a Citi XXXX XXXX " Thank You '' credit card. When I made a payment to another credit card company through my bank 's online payment system ( EFT ), the payment was inadvertently sent to the Citi card instead. The amount was {$15000.00}. 

I contacted Citi by phone on XX/XX/XXXX, to request a refund by EFT back to my bank. The Citi representative stated that it would be done after review, because the bank routing number and checking account number had to be verified. That, he said, would take 3 to 5 business days. ( I questioned why that was necessary, since the payment came from the same bank and account where the refund was to be sent. ) Nothing was refunded to me, so today, XX/XX/XXXX, I called Citi again and was told that 2 supervisors had been reviewing the matter all this time. ( Citi was  earning interest on my {$15000.00}. ) Today I was told that I could expect the money to be sent to my bank approximately XX/XX/XXXX, but if it didn't arrive to call again. That worries me even more than the stalling I have already endured! 

Please investigate and put pressure on Citi to rectify this injustice. If it arrives as promised, my money will have been held hostage for an entire billing period. 

Citi can identify my account by the last 4 digits of my credit card, XXXX, and my name and phone number.
Product: Bank account or service

My bank ( Bank Of America ) debited my account over {$840.00} for a legal action taken against my account ( It was an old debt. ), and then debited {$120.00} service fee for the task of performing the debit. They had done so without any prior warnings. not even an alert which im enrolled to receive. So as I paid a couple of utility bills, I paused to check my checking balance. and was in total shock to see my balance was -XXXX I was over-drafted by {$35.00} and that was the over draft fee. The next few days I was heavily bombarded with returned payments along with the bank fees and more over draft fees. Which only added insult to my injury.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 tha

t information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

Account Name : XXXX  Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 

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

I have mutiple inquiries on my account that were not authorized by me. I also have two different loans from a Best Egg company that are not authorized by me. I have disputed the loans multiple times and they were removed from my credit report and then added back as verified.
Product: Bank account or service

We signed online to Bank of America billpay to have them send a check to our kids college apartment for XX/XX/XXXX payment. Bank of America cut the check, withdrew the funds from our account, and used a 3rd party consolidator to deliver the check. The 3rd party consolidator put multiple banks checks into XXXX envelope to deliver to the college apartment. That envelope was taken fraudulantly and our check was signed and cashed fraudulantly. The Apartment did not receive XX/XX/XXXX payment and Bank of America will not return the funds to our account. Instead they are asking the Apartment complex to fill out a form for a federal investigation, meanwhile the Apartment has no rent check from us and we have no money in our account to repay. I understand it is a state law in NC for the bank to resolve by returning our funds while they investigate what happened, however Bank of America refuses to do this. The other XXXX banks who had checks stolen in the same envelope already returned funds to their bank account holders, but Bank of America will not. The apartment is in XXXX NC and our bank account with Bank of America is in NC. Please advise.
Product: Money transfer, virtual currency, or money service

Paypal gave {$700.00} to someone who scammed them & me. I did not authorize this payment and they denied my claim. They are dishonest and unfair in their business practices
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.
Product: Credit reporting

Chapter 7 bankruptcy from over 10 years ago on Trans Union. The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.