23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The night of XX/XX/year> I think I dropped my wallet in the parking lot leaving a bar. I didnt realize it was missing until hours later because I dont use the card everyday. And I was hoping it was just in my car somewhere and I would find it. 

On XX/XX/XXXX charges that dont authorize showed up and I called the next day on XX/XX/year> to dispute the charges and close the card. 

When I called my bank ( TD BANK ) to dispute the charges and close the account they told me my info was not correct and I wasnt able to verify over the phone. At that point I could no longer manage my account or speak with a phone rep about my account at all. I called back and as soon as I got up verification the agent told me the same, I have to go into a physical branch with ID. But I had just lost my wallet with my ID also. 

I went to the branch with my social security card, birth certificate, and my work ID. The woman in the branch I spoke to told me phone number on file wasnt correct and apparently changed! So I was still locked out of my account while these charges went through. 

All stores were closed at that point. While at the XXXX reordering my ID, I decided to call back again Monday and the rep I spoke to then said she was able to verify me over the phone. She said she wasnt sure what was going on but she was able to unlock my account. 

AFTER all this I was able to submit a dispute and cancel my card. 

TD BANK has denied my initial dispute saying that I logged in and saw the transactions and didnt call to cancel the card and dispute the charges quick enough. But I DID and the calls were said to be recorded! So that should have me clearly calling to alert them and stop everything. I need help thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX I sent out a dispute through XXXX XXXX & I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : XXXX XXXX ( Twice ) & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously been submitting letters to both creditors and all 3 bureaus over 5 times in a matter of over 120 days and nothing has been resolved. XXXXXXXX XXXX XXXX  XXXX have gone against my consumer rights and I demand every item on my report from both agencies be deleted before I file a law suit.
Product: Checking or savings account

On XX/XX/year> I deposited a check for {$25000.00} that was handed to me by my attorney XXXX XXXX XXXX XXXX  XXXX XXXX. I deposited that check at the XXXX XXXXXXXX XXXX fifth third branch. My account was flagged for suspicious activity. This is not the first time this has happened. Fifth third has flagged my account numerous times when a large amount goes into it. Are people not allowed to have money? I have been waiting for this settlement check for over a year now and fifth third couldn't do a better job at checking it's authenticity before saying " XXXX XXXX its fraud ''. They need to be put on higher standards and train their employees better
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I disputed the " Remark '' information because it stated " Account closed by credit grantor ''. This was partially correct but should have said " Payment managed by XXXX XXXX XXXX ''. The XXXX XXXX credit card was closed in XXXX because I put it in a debt management plan called XXXX and they are still sending XXXX XXXX monthly payments. 


This is what is listed on my credit report currently : Remarks : Consumer disputes this account information " Account paid for less than full balance ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a written notice to TransUnion regarding the incorrect address, names, and date of birth on my credit report. They have refused to remove them and not getting any ready as to why this misinformation is on my report.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

Inaccurate Charge Off/Collections : Company Name : XXXX  - Account # : XXXX - Balance : {$0.00} Company Name : XXXX  - Account XXXX : XXXX - Balance : {$5700.00} Company Name : XXXX  - Account # XXXX XXXX - Balance : {$13000.00} and Unauthorized Credit Inquiries Company Name XXXX XXXX XXXX XXXX XXXX - XXXX Of Inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a reinvestigation and your Method of Verification.
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 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 a personal credit card account opened at Account nameXXXX XXXX XXXXXXXX XXXX Account XXXX Date XXXX Balance {$350.00} Account nameAXXXX  Account XXXX Date XXXX Balance {$1600.00} Account nameXXXX XXXX XXXX Account XXXX Date XXXX Balance {$1400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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: Credit reporting or other personal consumer reports

Based on publicly available information, it is my understanding that the CFPB has prohibited NAVIENT from servicing or managing any student loan portfolios due to their history of deceptive practices in payment reporting and collections. This decision highlights the systemic issues within NAVIENT 's operations, which have caused countless difficulties for borrowers like myself. Attached is an email from NAVIENT regarding the forbearance of a loan they managed for me in XXXXXXXX XXXX. However, the information reported to credit bureaus does not appear to align with the forbearance timeline as I understand it. This discrepancy raises serious concerns about the accuracy and reliability of the data NAVIENT has provided. 

NAVIENT has previously stated that they would " never send an email requiring only a \ [ one-word ] reply to establish forbearance, '' yet this claim is contradicted by the evidence I have provided. The email they sent me explicitly requests a simple response, which I complied with in good faith, expecting that my loan status would be accurately reflected. Unfortunately, this has not been the case, and it appears that NAVIENT 's practices continue to create confusion and harm for borrowers. 

This issue has arisen repeatedly and is becoming increasingly frustrating. Despite being fully informed of the situation, XXXX has refused to take corrective action, even though other credit reporting agencies have addressed the discrepancies. This lack of intervention from XXXX is particularly troubling, as it has left my credit report inaccurately reflecting my loan status and further exacerbating my concerns. Additionally, NAVIENT had previously agreed to ensure the accuracy of the information they report to credit bureaus, yet these discrepancies remain unresolved. I am seeking accountability and resolution for this issue, as the impact on borrowers financial well-being is significant and can not be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, it is hurting me, please review them XXXX XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
CAPITAL ONE BANK USA N.A. 
Account Number : XXXX This is not mine. 
XXXX XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account : XXXX XXXX XXXX Upstart Services  has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a computer glitch that was TransUnion 's problem -not mine, and it caused inquires to be deleted off of my Transunion report. Transunion later added added them all back onto my report without giving me the legally written notice 5 days prior to them re -adding them. I contacted Transunion in good faith to ask them to delete the inquires that they had illegally re-added. Not only were the representatives rude but they also refused to listen and then hung up on me. These inquires add hardship and my rights were violated by Transunion. I am asking you to please help me make Transunion stop making a victim out of me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I already reported account information is incorrect. The highest balance is incorrect, the negatives months is incorrect, account type, and terms. 

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

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I started working on my credit my few years ago and I noticed my score was really low. Due to student loans from the DeptEd. I have not attended any School to accumulate student loans. There are also XXXX  diffferent Loan Amounts associated with the account that started XX/XX/2012. The Accounts XXXX reporting are [ DeptEdNelNet, Account number : XXXX, Amounts : XXXX / XXXX / XXXX / XXXX ] [ XXXX, Account number : XXXX, Amount : XXXX ]. the inaccurate and incomplete are hurting my livelihood and causing me not to be able to get funding or Job. I request that these accounts be deleted.
Product: Debt collection

I have disputed this debt and asked for verification on XX/XX/2018 and XX/XX/2018. 
I received what appears to be a copy of monthly statement. A monthly statement does not validate a debt it needs to be a signed written contract under FDCPA and FCRA rules and guidlines.I have also received a letter threatning to sue me for the amount oued on the debt .On XX/XX/2018 i received a letter from an attorney threatning to sue me. 
I have all documented communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

fair lending act violations and fair debt act violations FTC violations on all accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect addresses, names, and inquiries that I did not authorize, nor benefit from. It is causing me great issues because it is affecting my credit score. Because the credit agencies refuse to make sure things in my credit report are 100 % correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account # : - XXXX, XXXX XXXX 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: Bank account or service

Netspend.com sent me a debit in my name to my home address. 

I did n't apply for a debit card from them.
Product: Bank account or service

I mistakenly submitted a XXXX payment online on Saturday, XXXX/XXXX/2016. Within an hour of doing this, I called Citibank to put a stop to this payment. They assured me that they were going to stop it since it had not been submitted to the bank and my account was not credited. Today, I found my account having been debited with the same amount. They are now telling me that they can only effect a stop payment 3 days prior to the submission of the check.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. They CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said " Thank you for submitting your dispute on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including two attachments, you have supplied through the CFPB portal and directly to Experian. In your dispute you mentioned one unauthorized inquiry. You are requesting deletion of this item. Regarding the disputed item, after careful investigation the inquiry has been removed from your Experian credit report. '' in complaint # XXXX to the CFPB. On XX/XX/2022, Experian gave access to another lender : XXXX XXXX XXXX. Documentation attached.
Product: Mortgage

I am writing this complaint because of a problem I am having with XXXX banks that are involved in a short sale transaction. I am currently working on other alternatives to foreclosure so I would like to short sale my home. I would like to short sale my home because I do n't want my home to go into foreclosure. I have been trying to short sale my home for 10 months. The XXXX mortgage is Chase and the XXXX mortgage is XXXX. I have lost XXXX buyers on my home because Chase and XXXX have been very difficult in coming to terms with the sale of my home. Chase offered me an approval in XXXX of {$75000.00} dollars. I had a buyer that was interested in purchasing the home. Once it was time to go to settlement, it was discovered that XXXX had a XXXX lien against my home. The buyer walked due to the time it took to receive an approval. I located another buyer in XXXX and this is the third buyer. Chase stated that they needed to provide another approval. Chase offered an approval of {$160000.00}!!!! Chase is stating that the value of my home went from {$75000.00} to {$160000.00} within 3 months. XXXX then provided an approval of {>= $1,000,000}. Please keep in mind that the home is only valued at {$75000.00}. The home is in need of major repairs in the interior of the property. The negotiator was able to get XXXX to agree to a lower amount to close the deal and then Chase came back with a higher amount. I am writing this complaint because I want the cfpb to know that the banks are still making it difficult for homeowners to reach other alternatives to foreclosure. I would like Chase is being very uncooperative and I do n't know how this will benefit the banks. This has taken a toll on me and my husbands marriage. We have separated and our family has been separated due to this situation. We have tried to modify our home mortgage and XXXX would not work with us at all. I would just like for the cfpb to help me with this transaction. I want to sell my home so that I can walk away knowing that the title has been forwarded to a new owner. I do n't want to experience a deficiency and I want to start my life over with some self respect.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 XXXX, XXXX, and XXXX do not have my XXXX loan balances and statuses updated correctly. I completed their online dispute process twice and the information remains inadequate. I have attached the actual balanced owed directly from Mohela outlining every payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  has listed remarks on my credit reports that are not accurate. XXXXXXXX XXXX made a remark on my reports that the account with them was charged off for two consecutive months in XXXX  those months are XXXX XXXX XXXX. I requested a debt validation with XXXXXXXX XXXX but they did not provide me with any proof of late payments to charge off the account.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX, ( XXXX ), ( 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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card opened at XXXX XXXX on XXXX, under the account number XXXX, a credit card with XXXX XXXX opened on XXXX, a charge card with XXXX XXXX XXXX opened on XXXX, under the account XXXX, a loan from XXXX XXXX XXXX, opened on XXXX, under the account XXXX, and a line of credit with XXXX XXXX XXXX, XXXX on XXXX, under the account XXXX, an education loan opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with the amount of {$2000.00}, and an education loan with XXXX XXXX XXXX opened on XX/XX/XXXX with the amount of {$4500.00}. These accounts have resulted in several fraudulent items and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) # XXXX ( 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: Checking or savings account

Cash app closed my account due to fraudulent activity meaning someone else was using my card and I disputed the charges I was charged XXXX dollars for a purchase I never made and disputed the charges and they closed my account. I cant get into my account to show proof of information that Im giving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not heard back from Experian in over 30 days since my formal written notice of dispute dated XX/XX/2020 ( copies enclosed ), and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.