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

I am writing to you in regards to the same issues addressed in the lawsuit have been affecting my own credit report and disputes with XXXX. 

Despite my repeated efforts to dispute and correct inaccurate information on my credit report, there are still discrepancies present that have not been resolved. This is unacceptable and goes against the rights afforded to consumers under the Fair Credit Reporting Act. 

Specifically : -XXXX  fail to adequately convey All Relevant Information to Furnisher -Reinvestigation even when presented with information suggesting that the furnisher Unreliable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to XXXX Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Charge Off : XXXX XXXX XXXX Balance : {$5900.00}
Product: Checking or savings account

Navy federal credit union is letting my money disappear, I filed a fraud claims and they say denied when i have had a breach .Someone is cloned my card .its letting transactions go thru at the same places, i deposit money and its gone and declines my transactios, duplicate atm transactions
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments 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 has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Statement, the billing cycle closed on XXXXXX/XX/XXXX with payment due on XXXX XXXX XXXX XXXX XXXX Statement, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This late fee was placed on the account before the due date for XX/XX/XXXX payment was due before the ending of billing cycle for XX/XX/XXXX. As such, the subsequent 30 Late Payment for XX/XX/XXXX is completely inaccurate. Additionally, XXXX is reporting that the Payment Status of the Account is 60 Days late. Experian is reporting the account as 30 Days Late. Neither of these are accurate. On the XX/XX/XXXX Statement, the billing cycle closed on XX/XX/XXXX with payment due on XX/XX/XXXX. On the XX/XX/XXXX Statement, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This late fee was placed on the account before the due date for XX/XX/XXXX payment was due and before the ending of billing cycle for XX/XX/XXXX. As such, the subsequent 30 Late Payment for XX/XX/XXXX is completely inaccurate. 

Additionally, XXXX is reporting that the Payment Status of the Account is 60 Days late. Experian is reporting the account as 30 Days Late. Neither of these are accurate.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX {$150.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

i got a approve for a charge card and a business card blue.I was paying on time minimum Payment! On XXXX cards, then a bill come on then out the blue sky i get a bill with no minimum so i call and was told policy change and i now can only pay minimum on the credit card blue business card, But the XXXX card need to be payed in full AND WHERE DEACTIVATING YOUR XXXX BUSSINESS! I told them im running a business and they said okay you can get XXXX swipe to order inventory .you think it happen absolutely not! i told them this is fraud! I Kinda new something was getting fishy when every retailer here in connecticut including the XXXX DO NOT ACCEPT AMERICAN EXPRESS THERE REPLY WAS THERE TRICKSTER! 
& experience is the best teacher! my cash advance atm was cut short no bank would give me the rest of the money i went every bank! american express short change trick me!
Product: Credit card or prepaid card

Today, XX/XX/2022 at XXXX EST someone tried to open a credit card in my name. My bank got a report from XXXX upon receiving an application for some kind of travel credit card. I reported it to the bank who prompted me to call and get copy of this fraudulent application someone used in my name so I can file a police report. In XX/XX/2022 in a separate incident someone fraudulently opened a credit card in my husband 's name at our own bank and charged over {$3000.00}. He recieved a text from Bank Of America to check in on whether he made a charge on a credit card but he has no credit card with Bank Of America. He reported the fraud immediately and the bank took action to cut of the card and notified him in a letter stating he was not responsible for those charges, which were all made in different states far outside our area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion to clear all the incorrect. information on my credit report that is hindering my file an needs to be removed to clear all inaccurate information asap. please review an remove all items.
Product: Checking or savings account

On XXXX I did a mobile deposit to my bank. The check was made out to myself and the estate of my father. y father passed away in XX/XX/XXXX and I didn't know about needing an estate account to put the funds into. My bank, instead of rejecting the deposit like it says in their policy, decided to place the deposit on hold due to it being issued to an estate and myself. I have repeatedly asked them to reject the deposit so that a new check can be issued to just me. My bank is refusing to release the funds back to the issuing bank stating that it can only be deposited into an estate account or returned to issuing bank if said bank requests it or puts a stop pay on check. Issuing bank can't put a stop pay on the check because it has already been paid out to my bank. I need help to get my bank to release the funds back to the bank issuing the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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

PLEASE REMOVE OR DELETE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last name is 2 wordsno hyphen, no underscore. You can not register with Trans Union by giving your correct last name as two words with a space between. All my records including my notary license lists my last name as 2 words. 

I was advised in the XXXX by Social Security and the IRS to only use my name the way it is. President Trump made it illegal to have various forms of your name as it presents a problem and makes it easier for others to steal your identity. I only use my first name and my last namenothing else and have for years argued with credit agencies for listing other peoples employment and debts under my name. This opens a whole new can of worms when a credit agency refuses to change their system. They insist you use one word. Well thats not my name and they should be fined for this and reporting false information! Any information they have under another name does not belong to me.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am filing this complaint because Equifax has continuously denied me electronic access to my free credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am in the process of purchasing a home and need immediate access to my credit report in order to dispute inaccurate information. Despite having my correct password, Equifax is locking me out of my account, and when I attempt to log in, I receive an error message instructing me to call their Customer Care team. I have made multiple calls to Equifax, but they have not restored access to my account or allowed me to retrieve my credit report electronically, which is my preferred method of access. 

Under 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA, I am entitled to access my credit report once every 12 months at no cost. Equifaxs failure to provide me electronic access to my credit report directly violates this statutory right. I specifically do not want a hard copy mailed, as I need immediate access to the report electronically to resolve credit issues in preparation for purchasing a home. 

Further, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information in my credit report, and the consumer reporting agency ( Equifax ) is required to conduct a reasonable reinvestigation. However, by denying me electronic access to my account, Equifax is preventing me from exercising my right to dispute and correct the information on my credit report. 

Equifaxs actions are also delaying my right to timely responses as outlined in 15 U.S.C. 1681j ( a ), which ensures prompt access to consumer reports, especially when they are necessary for critical financial decisions like purchasing a home. 

I believe Equifaxs failure to allow me electronic access to my credit report violates the FCRA, and I request the CFPBs immediate intervention to enforce compliance with the following sections of the FCRA : 1. 15 U.S.C. 1681g ( a ) ( 1 ) : The right to access my credit report annually at no cost in the format I choose ( electronically ).

2. 15 U.S.C. 1681i ( a ) ( 1 ) : The right to dispute inaccurate information in my credit report and have Equifax reinvestigate.

3. 15 U.S.C. 1681j ( a ) : The right to timely access to consumer reports, which has been unreasonably delayed. 

I respectfully request that the CFPB investigate Equifaxs non-compliance with the FCRA and require them to restore my electronic access to my account and facilitate my ability to dispute inaccuracies on my credit report. 

Attached is my drivers license ssn, proof of residency, and screenshot of what the error message is
Product: Mortgage

While refinancing our home loan XXXX XXXX, we call our previous lender, Ditech to get a pay off letter. They mailed us a payoff letter good through XXXX/XXXX/2016, for the amount of {$280000.00}. Our new loan with XXXX XXXX funded XXXX/XXXX/2016 and Ditech 's own records verify that. Today, XXXX/XXXX/2016, I received a letter from Ditech stating that we owe them an additional {$4100.00}. Needless to say, we do n't have an extra {$4100.00} laying around, and do n't understand how Ditech could have made this " error '', if in fact there is one, and if so, how they can demand payment right now and charge me {$43.00} a day until I pay it. Had they given us this payoff, it would have been financed into our loan, raising the payment {$20.00} a month.
Product: Student loan

On XX/XX/XXXX I made a payment online for over {$25000.00}, it never left my bank account so I checked the Nelnet site and it kept saying processing - after about 5 days I got a letter saying my financial institution wouldn't process the payment. I called my bank and they said they never received anything. 

I tried to process again on XX/XX/XXXX and the same thing happened. I double checked my banking info and everything was correct. 

I started calling Nelnet and was on hold four different times for over 3 hours. I was finally able to get through and explained my situation and they said they don't know why it wasn't going through - that it was my bank. I gave them info over the phone to process the payment ( by this time I have interest being put on the accounts I was trying to pay off ). This was on XX/XX/XXXX and they said the payment would be taken out XX/XX/XXXX. Payment still has not been taken out and says processing. I called my bank and they said they do not see where they tried to send anything through. I can't hold another three plus hours to talk to someone when they aren't resolving the issue. 

I looked this up online and there are several complaints in the past few months regarding the same issues.
Product: Money transfer, virtual currency, or money service

I contacted Venmo XXXX. XX/XX/XXXX re : withdrawing my balance. It is now XXXX. XX/XX/XXXX and I've been given the runaround saying I need to wait to physically be on US soil in order to log into my account ( didn't work ), acquire a new phone number in order to verify my identity somehow ( didn't work ) and provide US identification ( explained many times that I am a XXXX citizen and was able to set up a Venmo account without US ID in 2018 ) which is impossible. 

This is a scam company that steals its customers ' hard-earned money.
Product: Bank account or service

The Chase branch on XXXX XXXX in XXXX, Texas has closed all the drive thru windows with tellers and has reduced the staff inside to XXXX teller. This leads to a long line inside all the time and for those of us who are senior citizen depositors we are having a very difficult time with our banking services. The local manager is very nice and helpful but the district office has made these decisions and he has no control over this problem. This branch has larger deposits than the other branch which has XXXX times the staff. XXXX of the employees told me that some XXXX at the district or regional level made the decision to do this after they put in a large amount of automated equipment and to justify this decision they would force the depositors to use this equipment at this branch. The majority of depositors in this part of town are senior citizens and we have a great deal of difficulty with this and need a person to help us with our banking services, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/2024 XXXX started taking money from my Wells Fargo bank account. It was over a span of 2 weeks. When I first notice this I tried to contact XXXX directly but they wouldnt respond to me and kept taking money out of my bank. I contacted my bank to file a fraud claim and put a stop payment on the account but XXXX was still able to get another {$1000.00} out and Wells Fargo denied my claim. They told me to contact XXXX directly but when I try to contact XXXX they wont respond to me and say that I dont have an account with them. At this point I dont know what to do. Im out {$69000.00} and Wells Fargo wont help me out even though I never authorized anything. I put a stop payment and was assured there wont be any more money coming out of my bank, just for it to be taken {$1000.00} a week later.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and the most updated information that is being recorded For the following account XXXX CO.DRS and account number XXXX is INACCURATE. According to 15 USC 1681s -2 ( f ) a person may not provide any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My report states that on XXXX the account is CLOSED, XXXX as OPEN and Experian CLOSED. 

Also the last activity showing on my report stated that XXXX recorded XXXX XXXX and on my XXXX showing XX/XX/XXXX Experian XX/XX/XXXX. 

Allow me to also mention my monthly payment on XXXX that reported {$0.00} XXXX {$570.00} and Experian {$0.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy and fairness, I request immediate Deletion of this account from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Vehicle loan or lease

I sold my XXXX XXXX to XXXX. XXXX picked up the vehicle in XX/XX/2021. They had it for over 5 months and Toyota didnt make correct payment amounts. So Toyota kept billing me stating I owed them monthly payments even though my car was rightfully paid off from XXXX  and no longer in my possession. They reported 5 months worth of non payment. Sent my information for a repossession even though I didnt have the car. I contacted Toyota and they wouldnt help me citing it was my responsibility but they didnt communicate with XXXX  correctly about my balance due. This is not my responsibility once I dont own the car anymore. They need to remove those dings to my credit or I will seek legal council.
Product: Checking or savings account

Chase closed my bank account over 10 days ago and I have not received the funds. I have called them twice and they hung up on me the second time. The balance was approximately {$1000.00}
Product: Credit card or prepaid card

Opened my discover secured account in XX/XX/XXXX. Called discover week of XX/XX/XXXX to discuss my credit availability on a secured account because even though payment was taken from bank account it was showing XXXX credit available. After speaking with agent for about 20 min I was informed the reason that I was having this issue is because I was making so many payments in a month and discover just wanted to make sure the payments would actually post. Under the advisement of the agent I increased my secured amount from {$800.00} to {$2000.00} so that moving forward the same issue wouldnt occur. The additional XXXX is taken from my bank account and by the XX/XX/XXXX my discover account reflects the increase but then something strange happens on the 25 my account access gets restricted and my card begins to decline everywhere. I contact discover they send over a form for me to sign and say once this is handled my card access will be restored. Well two weeks later and many phone calls with agents telling me they can not discuss account discover closes my account with no heads up and nobody can tell me why or when my security deposit will be returned this is blatant theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX,XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Student loan

XX/XX/2017. Loan was transferred from Navient to XXXX. Communication of this was provided within the Navient internal e-mail system. I never received any formal mail or email to my email address on file outlining the change or the implications. At this time my loan was placed on temporary forbearance without my consent. No payment was withdrawn from my account that month. When I contacted Navient to ask why, they explained the situation. When I explained that their decision to place my loan on forebearance would cost me literally thousands of dollars on the back end and occurred without my consent, they said there was nothing I could do and I couldnt not make up the payment.
Product: Debt collection

In regards to the following account : WAKEFIELD AND ASSOCIATES Last reported XX/XX/XXXX {$950.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) I had active XXXX XXXXXXXX at this time and they were not billed for this account. it is not my responsibility to cover a debt due to the negligence in billing my insurance by the original creditor. They have the information and could simply use my social as well to verify insurance coverage. This needs to be removed from my credit immediately through all XXXX reporting agencies as it is affecting my ability to live my life and gain credit when needed.