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

Experian has not blocked the fraudulent accounts that are listed on my Experian Credit File, All they could tell me when I called to have these items blocked that were opened due to Identity theft was that, the creditor has provided " sufficient '' Evidence that these are my accounts. Yet that isn't possible, because for one the XXXX Account shows 2 payments in the amount of {$0.00} then it shows 2 deliquencies One in XX/XX/XXXX and one in XX/XX/XXXX, Which doesn't make sense because wheres 's all the other dates? We are here in XX/XX/XXXX.  Experian skipped all those months, and yet also this account was opened at a fraudulent address that EXPERIAN Fraud Department verified that they blocked in XX/XX/XXXX. Yet they have listed both a XXXX card account which again is on my FTC Identity Theft Affidavit which has been sent to the police, and a XXXX Account. You have to be a member of the military of have family in the military to join XXXX which I do not have either, nor have I ever been associated with the military. Again this account was opened at a XXXX XXXX address I never lived at its listed on my affidavit and yet Experian still reports these accounts knowing they are fraud. 

Account # 1 - XXXX Creditor XXXX XXXX XXXX XXXX Balance {$4600.00} Opened on XX/XX/XXXX. 
Account # 2 - XXXX Creditor XXXX XXXX XXXX XXXX Balance {$15000.00} Again This is fraudulent and only shows 2 payments of XXXX $ Obviously it's fraudulent and These two accounts were opened after my identity was stolen. The documentation for these accounts were sent to fraudulent addresses both account applications were fraudulent and Experian does not have any sufficient evidence besides an invalid license that the company is trying to provide them that doesn't actually match my license. These are fraudulent accounts and per law 603 ( B ) I have not materially misrepresented anything.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquires : XXXXXXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX 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

XXXX   and   XXXX   will not delete this debt off my credit report that was  discharged by bankruptcy. I have written them to tell them the accounts that they reporting have been discharged thro ugh bankruptcy court. Even though it does n't have an amount, they report them with negativity remarks.    XXXX  also keep reporting a collection from a debt collector that I have no contract with. They send me my credit card statement saying they verified it was my debt. I have n't signed a contract with a debt collector/collection. Its states in my credit report that the original debtor sold it to this collections company
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked consumer information. I am on a list of potential victims to their poor security practices. Completely unacceptable.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Stated that my mother is in some sort of legal trouble. Stated they know she is XXXX XXXX XXXX and they know her last XXXX digits of social security number. Stated I could make all this " go away ''. No details on what exactly is problem ... Feel like they are trying to extort money from me, although issue is n't even with me. I told them to quit making harassing calls and send any complaint to my mother via XXXX mail. They stated they do n't work that way.
Product: Mortgage

Okay, so I am getting  XXXX  tired of dealing with this. I filed a complaint  XXXX  after NUMEROUS attempts to get it resolved directly with the mortgage company. After having the complaint forwarded to them from you, they finally figured out they were wrong the entire time. They admitted as much in the complaint and agreed to start reporting this m onth (  XXXX  2017  ). Here is the problem, you guys just closed the complaint without asking me if it was resolved, which its not. Here 's why- I should several years of on time payments reported with this account which would significantly improve my  credit score by increasing the average length of credit accounts, and % of on time payments. So the issue is still not resolved, and i 'm trying to figure out why nobody consulted me before closing it.
Product: Debt collection

Debt collector Harris and Harris, based out of XXXX sent me text messages claiming that I owed {$140.00} to the XXXX XXXXXXXX XXXX. I have never been on the XXXX XXXXXXXX so this debt is false. When attempting to call them to talk to a person I was unable to get through to a representative.
Product: Money transfer, virtual currency, or money service

My husband and I were looking at renting a house around XX/XX/2018. We contacted the person on the ad, filled out a renters application, and lease, and he asked us to send the money via wire transfer since we both banked at Wells Fargo..

We went to our local branch, talked to the teller and he handled the transaction. We never left the bank, never touched the money, have the receipt, and all the other person 's information. A couple days later, the " landlord '' of the new property asked us for an HOA fee, and that's what made us step back and start making phone calls to verify things.

Come to find out, there was no HOA for the neighborhood the house was in, and no one had any information on or about the person we were talking to. After discovering that info, we called the bank, filed the claim with them, went to our branch to talk with the branch manager, filed police report, and every other thing the bank had asked us to do. The branch manager said that since we did everything that was asked, and gave her a copy of all the info we had about the situation and person committing the crime, that she would put a note in our account to allow us to have our money back. 

That was a month ago, and now all we are getting from Wells Fargo customer service reps, investigators, and supervisors is " It sucks to be you, and we refuse to help in any way. '' Our bank who we have been with for almost 5 years is doing nothing to help us, acts like we do not matter, and the suporvisor 's are extremely rude when we talk with them over the phone. We are still fighting with with the bank to get back the {$1000.00} we were taken for, and our wonderful bank is treating us like we are the criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has posted inaccurate information to my consumer report. XXXX  bank has not sent me a correct and true statement in the mail since XX/XX/2021. I want to continue to do business with XXXX  bank but this billing error has effect my credit score massively. I have not been able to apply for credit and didn't realize why until I looked at my consumer report. XXXX  bank i demand that all the inaccurate information posted on my consumer report be removed. I also demand that all late fee and charges be removed from my consumer report. This billing error is your fault and has caused me stress and made my life difficult.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Reporting Inaccuracies XXXX  XXXX XX/XX/year> I am writing to formally file a complaint against XXXX  XXXX regarding persistent inaccuracies in my credit report associated with my XXXX  XXXX credit card account. 

I have disputed these inaccuracies multiple times, yet they remain unresolved. Specifically, my credit report lists the same XXXX XXXX account three separate times, two of which show identical dates, and the third indicates a different date. This account is tied to a XXXX  XXXX bankruptcy, yet I continue to be pursued for collections on these accounts. This has resulted in significant financial strain, including the need to secure a loan to settle these debts, which I had to repay with interest. 

The inaccuracies on my credit report have not only affected my credit score but have also led to severe emotional distress, XXXX, and even homelessness. The continued reporting of this single account as three different entries has created a misleading financial picture of my situation. Furthermore, I believe my personal information has been sold to third parties without my consent. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ), I request the following actions : Immediate deletion of all inaccuracies related to this XXXX  XXXX account from all three credit bureaus. 
A refund for any settlements paid as a result of this misleading information. 
Compensation for the financial and emotional distress caused by these errors. 
If these matters are not resolved promptly, I am prepared to take legal action against XXXX XXXX for damages incurred. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX PHONE XXXX AMOUNTS SETTLED 2 @ {$770.00} AND 1 @ {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report LVNVFUNDING LLC for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late 120 DAYS and not show in the payment history their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617
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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : 1. Account Name : XXXX XXXX XXXX ( original creditor name, XXXX XXXX XXXX ) 2. Account XXXX : XXXX Account XXXX : XXXX 3. Account XXXX : XXXX Account XXXX : XXXX 4. Account XXXX XXXX XXXX XXXX ( original creditor name, XXXX ) 5. Account XXXX : XXXX XXXX XXXX  Account Number : XXXX XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX 8. Account Name : XXXX XXXX Account Number : XXXX 9. Account Name : XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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. 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 seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting actXXXX 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 a account without my written instructions XXXX. 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 XXXXXXXX XXXX
Product: Checking or savings account

Trying to get a small line with lend up but capital one has my account blocked I'm trying to put money to cover my negative balance.
Product: Debt collection

RECEIVED COURT SUMMONS FROM XXXX XXXX XXXX REGARDING ALLEGED DEBT, NOT VERIFIED FROM XXXX XXXX XXXX, SUMMONS LETTER WAS SENT TO PLACE WE HAVE NOT LIVED AT FOR OVER 3 YEARS NOT TO XXXX XXXX WHERE WE RECEIVE MAIL
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Georgia XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX Unverified Account XXXX XXXX XXXX xxxxxx XXXX Unverified Account US XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX   xxxxxxxxxxxx XXXX Unverified Account XXXX   xxxxxxxxxxxx XXXX Unverified Account XXXX xxxxxxxxxxxx XXXX Unverified Accou XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


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

On XX/XX/XXXX I applied for a secured credit card through XXXX XXXX. After my application, I discovered my twin brother 's credit file is showing on my credit report. I contacted XXXX on XX/XX/XXXX and they explained I would need to mail in information to verify my identity, however they did not specify all the documents I would actually need. I mailed the information on XX/XX/XXXX. I never received any confirmation so I called XXXX again on XX/XX/XXXX and they assured me it would be fixed in five to ten business days. I reapplied for the secured cc and discovered my credit file had still not been corrected. Today on XX/XX/XXXX my banker and I called XXXX after being transferred multiple times and hung up on just to find out there were no notes or updates on my credit file. I would have to resend the documents and call again for an update in five to seven business days. I also tried to contact XXXX and Equifax on XX/XX/XXXX. Equifax did not allow me to speak with a representative due to the call volume being too high and advised me to call back later. I tried to dispute my credit file online with XXXX online and by calling on XX/XX/XXXX but was not given the option to actually correct my credit file. I have been told this is a common error but not my error, to begin with. I just want to fix my credit file so I can start building my credit. This has been a major inconvenience and I have not been helped in any compacity by any of these credit bureaus. I am starting to feel defeated and possibly am being discriminated against by me being a young XXXX American man.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the account in full in XX/XX/2021 and on Equifax and XXXX  still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid in full.
Product: Checking or savings account

This complaint regards fraudulent ATM withdrawals that appeared on a Citibank personal checking account after returning from a trip to XXXXXXXX XXXX XXXX 

Timeline : - I returned from a trip to XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I used my ATM card only once during the trip, at an ATM in the airport in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX separate ATM transactions appeared originating in XXXX XXXX, totalling {$1400.00}. ( See attachment ) - On XX/XX/year>, I contacted Citibank to report the fraudulent transactions. 
- In a letter dated XX/XX/year>, Citibank informed me of the decision not to reimburse me for these transactions. 
- I attempted to appeal the decision, supported by evidence from the ATM transaction record, which shows that I had used the ATM card on three occasions in New York XXXX during the period when the fraudulent transactions were occurring in XXXX XXXX, XXXX. ( See attachment " citi-ATM-transactions-good ''. ) I thought it sufficiently obvious that I can not have been in New York and XXXX XXXX on the same day several times. I can provide my passport to document that I have not returned to XXXX since XX/XX/XXXX. 
- After several attempts to appeal the decision, I was told I can not appeal but can make a second claim. I did so on XX/XX/XXXX. 
- On XX/XX/XXXX, I received a letter informing me that the appeal was again denied. 

I can provide citibanks investigation case reference numbers, and my account number if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I filed Complaint XXXX against XXXX, a law firm representing M & T Bank , the lender, on a ELOC that has existed for more than 20 years. By letter dated XX/XX/2022 M & T denied our request for a loan modification but offered a repayment plan that we must answer by XX/XX/2022 together with an initial payment ( Exhibit XXXX ). 
On XXXX XXXX, we received a certified letter from XXXX, dated XX/XX/2022 that a foreclosure, at XXXX XXXX XXXX will take place on XX/XX/2022, despite the fact that we still had XXXX Week to respond to M & T 's offer ( Exhibit XXXX ). This law firm continues to harass us and act unethically. We are senior citizens and trying our best to resolve issues but letters from XXXX, foreclosure scammers and others " seeking to help us '' causes us XXXX and aggravation. In Exhibit XXXX M & T told us the amount of the repayment for the ELOC but did not say what the monthly, regular payment was. I called an M & T representative she did not know. This was followed by an M & T letter dated XX/XX/2022, and that they will get back to me with that figure ( Exhibit XXXX ). Thus I have a repayment offer without a key part in it and a foreclosure date that is illegal.
Product: Student loan

For the past few years I have been paying interest on all of my loans, and this month is the first month that the loan payments are going into effect. Paying Sallie Mae has never been an issue, the issue is that I called for them to adjust my payments based on my income ( which is {$1200.00} every 2 weeks ). Well the associate pretty much took the average of my income and the amount of paychecks for the year and stated that I make {$2600.00} a month which is not true. There are only two months out of the year in which I get paid 3 times a month which is XX/XX/XXXX and XX/XX/XXXX so pretty much for the entire year I make {$2400.00} a month except for those two months. Anyway so after telling them how much I pay in bills each month the associate has it in her head that I would have {$600.00} remaining because she believes that I make {$2600.00} each month from this miscalculation ( so they pretty much took the amount from those XXXX additional paychecks that I would receive, divided it up and added that amount to my monthly income ) but in actuality I would only have {$400.00} a month remaining and they wanted to charge me {$340.00} a month for the loans which would leave me with {$57.00} in case of emergencies, oil changes or what ever else comes up during the month ... Then I discovered that I also have federal student loans that would go into effect as well and I wanted to include that amount in my monthly bills and they told me that they do n't include that because they want you to file for forbearance or deferment instead of lowering their payments. They know that paying federal student loans is a bill but since the government offers that option, they would rather get the customer in more debt than help them out of it. I feel as if somewhere this is against the law im sure because I thought that a person could not apply for this unless they truly needed it, this should not be an option for another company to advise their customers of so that they can get the most money possible out of the customer. So while speaking with the manager and explaining that I was trying to pay both the government and them, the guy told me to " shift '' my money around because they were doing me a favor and that I was lucky that they were even doing that. So at this point, I am paying them what I can.