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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened a checking account with Ally bank on XXXX. I depositing money by signing into my existing bank through their portal and transferred money. Then the next day the account said it was locked due to fraud. I have called several times and been hung up on, and called a person commuting fraud by lying about my identity. Despite answering all questions to verify my identity. They told me I could expect a call back from a manager in 24-48 business hours. They have taken my money and are holding it without any explanation.
Product: Debt collection

I returned a cable box to XXXX and now I have received a letter stating that I never returned this cable box and now owe money. The company that sent me the letter, ERC, is a notorious debt collector know for fraudulent practices.
Product: Credit reporting or other personal consumer reports

On XX/XX/22 an account was added to my credit report from a collection agency. This is result of identity theft.
Product: Debt collection

Diversified Consultants is contacting me about a debt that I do not owe from XXXX in the amt of approximately {$640.00}. I moved from XXXX apt XXXX residence to another in XXXX. My current complex does not use XXXX for service. I returned all of the equipment and gave XXXX my new address to send me a final bill. As of today, XXXX as not sent me a final bill and Diversified Consultants is contacting me regarding this matter. The wo n't listen to what I am saying.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXXXXXX 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all 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

I submitted Ftc report with my complaint and asked for the items to be removed, they didn't investigate or provide me with an y results of the investigation.
Product: Debt collection

Account in question : XXXX XXXX XXXX  This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to XXXX and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from XXXX. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Product: Student loan

Hi, I have been paying off my student loans throughout the payment pause and finally paid it off two days before Bidens Loan forgiveness announcement.

According to the Federal student aid website, You can get a refund for any payments you make during the payment pause ( XX/XX/XXXX ). I called Edfinancial services this past XX/XX/XXXX, after hearing the Student Debt Relief Plan to request a refund since the payment pause is extended until XX/XX/XXXX, with payments and interest resuming in XX/XX/XXXX. 

During the call, the Edfinancial rep said processing time will take XXXX  days, which is nearing the payment resuming date. Other loan services such as XXXX XXXX, XXXX, and XXXX  are only quoting 3-8 weeks and a few people have seen their loans reinstated. I am a Pell grant recipient and am therefore eligible for the XXXX Loan forgiveness. Also, Edfinancial is not providing a receipt or email confirmation to prove that a refund request is made during the call. I understand the number of calls the company is having and will continue to have during this time but that shouldnt be an excuse to brush people off with vague explanations. 

To whoever will be looking through this email, it seems like Edfinancial does not have our best interest here due to the lack of information and for showing insignificance to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation.

According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing peoples information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Product: Mortgage

I recently refinanced my VA loan to take advantage of the lower interest rates. The loan refinance process was straightforward and completed in a timely manner. I was extremely pleased. Once the servicer took over is when everything went backwards. It started with our mailing address change ( from street to PO Box so letters would not be returned to the sender. I fax a changed request, and it wasn't completed. a month later, our school property tax bill came in, and we were granted the homestead allowance, reducing our school tax burden. I called and they recommended I submit a change of address form through email, and the new tax bill via another email to the tax/escrow dept. 

A month later, the taxes were coming due and I call when I hadn't been communicated that the bill was paid. I also noticed my mailing addressed wasn't changed. Customer service said they submitted a ticket for both, and we would see the payment go through and my address would be adjusted. Two days later, my taxes were paid, but it was for more than double the amount of my bill. I called and they said it was for all my property tax bills ( township , county, and school ). My township and county taxes are not due until XX/XX/XXXX of every year, and even if you add ALL my taxes together it was still {$2000.00} less than the total that was paid for the school taxes. I emailed them all my XXXX tax bills, and spelled out when they are due for the Paid in Full discount ( XX/XX/XXXX for school, XX/XX/XXXX for township ). I was concerned my monthly bill would be increased. Today, I was informed that my escrow was increased to cover the incorrect tax bill, and a call to customer service again indicated that the tax/escrow office " does not take phone calls ''. I have no other recourse at this point and would like to let others know this is how this company operates. I regret financing away from my original mortgage company.
Product: Checking or savings account

I have reached out to Citi Bank two times in the month of XX/XX/2023 to confirm if I have met all the requirements so that I can earn the promotion of XXXX Advantage miles. One representative confirmed earlier in the month that I have completed and met all requirements and that it will take 30 days for my bonus miles to appear in my XXXX XXXX XXXX account. The second representative who I spoke to today also confirmed that I have completed and met all requirements, however they are telling me that I have to wait 90 days. Please help me! No one at Citi Bank seems to be on the same page with accurate information. On my offer letter ( attached ) it clearly states that after I complete and fulfil all requirements that the bonus miles of XXXX Advantage miles will be deposited in 30 days. As of today it has been more than 30 days and still no bonus miles received.
Product: Credit card

My American Express account has been on a mail basis for many years. The company would mail a written invoice, only when there were charges pending. The company failed to mail me an invoice for a fee of {$95.00} ( for membership anniversary of XXXX, XXXX ) until late XX/XX/XXXX. After receiving this invoice I canceled the card via online chat XX/XX/XXXX. 
It strikes me that the company is preying on customers accustomed to paper invoices by delaying hard-copy billing until long after the renewal anniversary. 
I spoke to " XXXX '' at customer service XXXX on XX/XX/XXXX. She confirmed my cancellation via chat on XXXX XXXX, XXXX. I requested that the {$95.00} fee be waived, but she said could not do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 12 months I have contacted Experiean and told them that the information that they have that I have lived at apartment XXXX in XXXX XXXX Nevada is false and that I neve lived in an Apartment in addition the same company that keeps telling Experian that I lived in this apartment is XXXX  who inadittion says that I last made a payment to them in 2019. Well not only did I never live in an apartment that had an a unit number of XXXX but I never made any payments to XXXX no do I have a loan with XXXX, In addition XXXX keeps telling Experian that I own property in XXXX XXXX and that they have a mortgage on it. I do not own any property in XXXX XXXX. 5 times experian has asked XXXX to provide proof that I own property in XXXX XXXX and XXXX that I ever lived in an apartment that had a unit number of XXXX In addition I asked Experian 5 times to get proof from XXXX  that I sent them any payments especially proof that the last payment I sent XXXX  was in 2019. Today XXXX has sent no proof to Experian, and this was verified by experian to me that XXXX has not sent any proof to Experian that I ever lived in XXXX XXXX at an apartment listed with a unit number of XXXX, proof of any payments I ever sent to XXXX, proof the last payment XXXX  recived from me was in 2019, Proof of that 2019 payment, and Proof from XXXX  that I own any property in XXXX XXXX. ; 5 time already I request experian get this information from XXXX  and 5 times Experian says they tried to obtain this information from XXXX  and it was not provided. YET its EXPERIAN who refuses to delete this information from my credit report and has cause my XXXX score to be 150 points lower than XXXX XXXX XXXX score. Its is Experian who is responsible and liable if XXXX has not provided Experian the proof and EXPERIAN has not sent me the proof from XXXX XXXX XXXX XXXX XXXX ) then by law, XXXX must remove the XXXX  derogatory harming information from my cfredit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Truist XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with Truist being one of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX All have 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 states a consumer reporting agency can not furnish an account without my written instructions. 

These items were indicated in fraud and should not remain on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-after review of my credit report and noticing inquiries that I never authorized, I made contact with the respective creditors first to get additional information and to request that they remove the inquiry and was informed to contact the respective credit bureau to dispute the inquiries. I've since contacted the respective Credit Bureau and was advised by them to contact the creditor to have them remove the inquiry ... so I'm getting the run-around. The inquiries in question-XXXX, XXXX, AND XXXX.
Product: Credit card or prepaid card

At the beginning of 2019 we setup our Capital One credit on Auto Pay with Capital One. On XX/XX/2019 we called in and spoke with a customer service agent. When we spoke with the rep on XX/XX/XXXX, we asked him to fix our amount coming out which he did. In XXXX we were notified via credit report that our account was late. When we called we were informed again that the payment Capital One was automatically withdrawing was not covering the minimum payment since XXXX. They never sent notices, phone calls, or any other communication to notify us that our account was affected in any way. 
We spoke with numerous customer service agents and they reversed the fees and corrected our account XXXX and made a large payment to correct the issue. We have asked Capital One to review our account, take off the negative comment that the account is late, because it is not and they will not. On XX/XX/XXXX, we called and spoke with someone by the name of XXXX, XXXX and few other reps. Nothing was done then either. 
I asked them numerous to help me fix this and no one would would. I asked to speak with managers and was told I could not. All we are asking is to have our auto pay corrected so the correct amount would be paid each month, the negative remark removed from our account. When I look at my credit report monthly Capital One shows green check marks that my account is paid and onetime. For them to charge us months of late fees and hit our report with no proper communication that is not okay. We have spent on the phone with Capital One trying fix this. I had an account rep tell me that because my account is on auto pay that when they draft my account its automatically because it takes a few days to process. That is not okay. We requested the transcripts which they will not give us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Experian and I have called twice thinking another person may be able to help - but neither individual helped me. 

My credit score has consistently been in the XXXX 's and earlier this year is got to XXXX in XX/XX/2021. On XX/XX/XXXX, I had a hard inquiry by XXXX to my account which was fraudulent. 
I check my credit score fairly often especially during these times. I noticed on XX/XX/XXXX that this hard inquiry had been made and immediately filed a fraud dispute with Experian, contacted the other credit bureaus ( who did not have any inquiries ), put fraud alerts on my account and locked my credit. You can see I take this seriously. Experian removed the fraudulent claim and has continually failed to raise my credit score back to where it was prior to the fraudulent claim. They tell me the credit score is a mix of things, so they can't do that. Nothing has changed since XX/XX/XXXX except for that fraudulent claim. You can see from the other credit bureaus that still have my credit score in the very good area ( XXXX XXXX and XXXX  XXXX ). I don't want to see other consumers bullied like this by a credit bureau. Given the amount of fraud going on with Unemployment, SBA, etc ... We need credit bureaus behaving and working with individuals to keep what they have earned!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdrafts fees I have incurred.
Product: Money transfer, virtual currency, or money service

I havXXXX XXXX XXXX XXXX XXXX  stuck in the Gemini Earn problem. The Service Level Agreement states I should be able to withdraw my funds within 5 business days. I tried to withdraw on XX/XX/XXXX, this is way overdue. I'm getting no help from Gemini
Product: Checking or savings account

Opened a XXXX XXXX XXXX account with capital one. Was told it was a high yields savings account. Thought I was getting 4.35 % savings interest rate. But turns out Im getting 0.3 % interest rate.
Product: Credit reporting or other personal consumer reports

Request for Correction on my Credit Report 15 U.S. Code 1681 Request to Removal of Closed Accounts Due to XXXX  XXXX Data Breach To request the correction of inaccurate information on my credit report. I have reviewed my report and found that incorrect names and addresses are listed, which could negatively affect my credit score due to the presence of inaccurate personal information. Under 15 U.S. Code 1681 and the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete.

Additionally, I formally request the removal of any closed or charged off accounts that are not related to me from my credit report. As you are aware, the data breach that occurred in XX/XX/year> exposed during this incident the personal information of 15 millions of individuals, including myself. I believe this exposure may have contributed to fraudulent or inaccurate information being included on my credit report. 

Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any information affected by the breach be removed from my credit report within 3 to 4 business days after this claim has been received. I kindly ask that you review my credit report and remove any closed accounts or inaccurate information related to the breach that may still appear.