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

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX  XXXX XXXXBalance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Checking or savings account

Navy federal credit union closed my account. I had with them over 3 years.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires us to delete any incorrect accounts from my credit report. Please check the documents? Some accounts listed have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX  ) XXXX  Contact Address XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment HistoryXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

The vehicle was sold/traded in to XXXX XXXX XXXX in XXXX, CA on XX/XX/XXXX. One Main is reporting a 30 day late for XXXX 2018. 
I have called XXXX and One Main requesting this to be modified and corrected - we were not in possession of the vehicle and under the understanding that XXXX was going to pay the vehicle off. We were never notified that it was not paid and past due again.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my Complaints # XXXX, XXXX, XXXX have been closed last XX/XX/XXXX. Again, I was going through my records & noticed many information and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX- XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy US BKPT CT MO XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Federal Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Checking or savings account

A fraudulent account was set up in my name and I attempted to cancel the account. They have given me the run around and Im unable to speak to a real person to cancel the account and avoid a further frustration or loss. Chime Financial , Inc. 
address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX phone number : ( XXXX ) XXXX I just want the account cancelled as I did not open it.
Product: Payday loan, title loan, or personal loan

I received a loan from a company name " Fast Path Loans '' in the amount of {$600.00} by way of a check that was sent to me in the mail. After making several payments on the loan they are still stating the payoff amount of the loan to be around {$600.00} to pay it off because the interest is assessed at the beginning of the loan and made part of the initial loan amount even though I only received @ {$600.00} the say the initial loan amount was in excess of {$800.00} I know the nature of interest and fees and how they relate to a loan and this process has to be incorrect given the terminology used even though they " fully disclosed '' on the paperwork they sent me. The called it interest which is accrued over time where as fees can be almost anything that is added on to the loan at the beginning for purposes of you using their money I understand and I get it this company is just playing fast and lose w/terminology to make their loans not seem as bad as they are which is " unfair and deceptive ''
Product: Payday loan, title loan, personal loan, or advance loan

Seems to be my loan never goes down. It just continues to grow with them and I do not understand how, I've reached out in the past when I began to have problems and they were so rude to me. I then reached out again today to try and work out resolving the loan and they made slick comments to me about well. If you had paid your bill on time, you wouldn't be in this position as if I didn't already know.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$300000.00}
Product: Credit reporting or other personal consumer reports

Thank you for correcting some of the misleading information on my credit file. However, I am not satisfied that the guidelines of the Fair Credit Reporting Act have been fully adhered to in your examination. It seems the remaining items need further action to ensure maximum possible accuracy on my credit file. Therefore, I am requesting another investigation of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ======Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00}. If your investigation can not confirm the validity of the information I believe to be inaccurate, please remove it immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to the address listed below.
Product: Bank account or service

After I spoke to a rude customer service representative, which is not the first time. I was told that my transaction where not used as debit therefore the posting time will take longer time and overdraft fee will be charged on my account. I checked my account every day on my mobile device ; I feel that there is unfair that as customer there is not way how this fees where charged online. I checked and find that my transactions where all used as debit transaction which according to the information given are faster in process. I do n't understand how come due to a holidays when the bank information was accurate according to the online monitoring in one day {$240.00} was charged. I am currently encountering financial problems and soon the business will be closing. I do n't have funds to loose in overdraft fees. I called, I went the branch and the information given is never accurate. I need this matter to be escalating to a supervisor because I feel that I resentful by this bank, which just charge a lot of hiding fees. I think I should deserve a reimbursement because there is no detail information in which customer can understand how those fee are assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my SoFi Loan # XXXX on XX/XX/2020. SoFi has updated the credit bureaus that the loan has been paid in full expect XXXX. I submitted a dispute to XXXX  and the result came back as still owing a balance. The loan balance had been updated to XXXX and then XXXX  placed a balance back on the account.
Product: Credit card or prepaid card

While heading out for a vacation on XXXX Wells Fargo called and said they was an issue with my credit card. Since I had not used that card in months I said you're calling the wrong person. The woman replied please call the number on the back of your card. I called and was told a person from a New York phone number had called to get the balance of my account. She said it wasn't anything to worry about and said they would send a replacement card to my XXXX XXXX XXXX She had me establish a pin number in case someone called in again. 
On XXXX I received another call stating they were from the fraud dept. I called the number on the back of my card and was told they sent a card to a NY address. I live in another state. I told them to close my account. I asked why they did not use the pin number established. When I called back they did not use it with me either. 
On XX/XX/XXXX at XXXX XXXX  when I returned from vacation I received a text that 2 charges were made at XXXX {$1000.00} and {$1300.00} from account ending in XXXX. I called the back of my card and they said there were no charges. I read the text to the person who then she found the account! It was reported as fraud I asked the account to be closed as I did not open it. 
I discovered after going into the bank on XX/XX/XXXX that 3 accounts were opened. Meanwhile I was getting emails of other accounts .... a total of 5 have been opened as of XXXX. 
I have spent COUNTLESS hours trying to get them to stop issuing cards in my name to close all accounts!! One day they closed one and reopened it, after reading to me that it couldn't be reopened. When I asked why it was reopened the guy said well sometimes we do under certain circumstances!! WHAT circumstance? Theres notes of fraud all over my account!!! Then he proceeds to read me the same policy that the account cant be reopened. So they sent another one to NY. 
I have contacted the attorneys that had a previous class action against them. They say I have a law suit to file. 
Yesterday they said I have to go back to the branch again to close accounts. The branch manager identified me, then I had to call them again to close an account. I have been repeatedly told the account was being investigated ... .. and transferred to other departments. Emails have been sent to me with investigations on accounts that I don't have or that weren't sent to NY either. 
Today I received an email they want me to open a checking account with them and they will give me {$350.00}. 
I am a victim of the banks stupidity. 
I am sure this is an inside job, as I have no other issues elsewhere. 
All my family and friends have pulled their money out there. 
When I call them they send me to the fraud department to be verified with a text to my only phone I've had since I opened the account years ago. Why did they not do that with the fake person, who supposedly has my personal info?
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character XXXX XXXX XXXX XXXX balance {$450.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX balance {$2200.00}, XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$14000.00}, XXXX XXXX balance {$32000.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$170000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three separate collections were reported to Experian in XX/XX/. These are all related to one medical account, that is now over 15 years old. I disputed the charges with the original creditor at the time, and with a subsequent collection agency 10-plus years ago. This appears to be an attempt to re-age disputed debt by a new collection agency, with a spurious date of delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XX/XX/2018 and the lady at Equifax told me that she had to reinvestigate for the 4th time ... In the meantime I have to wait to buy my husband a truck. Not only is my XXXX XXXX XXXX XXXX reporting wrong at 207 % over the limit, they are now saying that I have 3 accounts which is untrue.
Product: Student loan

My federal student loans were transferred to the provider Nelnet. I have been unable to make payments since this change was made. 

Their website requires two-factor authentication but is unable to log in on web browser. After inputting the code it redirects me back to the login page every time. I have tried XXXX browsers on XXXX different devices. This has consistently happened over a month, trying on XXXX separate occasions. 

On the mobile app I was finally able to get into my account. When I went to make my first payment, it gave me error after submitting the payment. Again, I have tried to make payments on XXXX separate occasions and have been unable to pay my bill. 

This is unacceptable. How can my servicer not have a functioning website or payments system. They have a completely inaccesible support. I should not have this much trouble making payments on my student loans.
Product: Vehicle loan or lease

I took out an auto loan with Pentagon Federal Credit Union ( PenFed ) on XX/XX/year>, with a fixed monthly payment of {$960.00} for 71 months, as stated in my signed loan agreement. However, PenFed has been incorrectly reporting my payment as {$1000.00}, violating the terms of my agreement. 

Additionally, PenFed falsely reported a late payment on my credit report despite my account being in good standing. I have maintained continuous insurance coverage, meaning there is no justification for any additional fees, lender-placed insurance, or increased payments.

Actions Taken : I disputed the incorrect information with PenFed and requested a correction.

PenFed wrongfully verified the false payment amount and late payment. 
I disputed with credit bureaus ( XXXX, XXXX, XXXX ), but PenFed continued to verify the incorrect information. 
I sent a formal demand letter to PenFed, but they have not corrected the issue. 

Violations Committed by PenFed : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 : Prohibits furnishing inaccurate information to credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Requires accurate and truthful credit reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX. XXXX. Code XXXX : Prohibits deceptive practices in loan servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was purchasing a vehicle in XXXX XXXX and XXXX XXXX my credit was run by companies that I did not authorize. Majority of which I do n't recall even speaking too or receiving any information of them having ran my credit
Product: Credit card

Dell sold its Dell XXXX  Account to Comenity Capital Bank on XX/XX/XXXX. I have had extreme difficulty managing my account since then. I have had my address questioned and I have also received {$290.00} in late fees that I would like removed completely ; so far only some of them have been removed. My last request to waive the late fess was on XX/XX/XXXX with XXXX who is a Supervisor. Prior to this conversion I was on auto payment and had no issues with Dell Financial. Many customers have unresolved complaints on Dell 's site that can be found here : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just view my Equifax credit report I came across Hard Inquiries that I didn't authorize nor recognize on my credit report. XXXX XXXX Date- XX/XX/2022, XXXX XXXX-Inquiry XXXX, XXXX-Inquiry Date- XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ).
Product: Mortgage

Bank Of AmericaI am in need of your assistancewas there a title report completed 2009? 
was there a property inspection report in 2009, prior or after 2009? 
is the information correct on page XXXX section XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of a class action lawsuit against my mortgage company. I went into contract for my home with vision property management and I was part of a class action lawsuit against my mortgage company for predatory loaning and fraudulent activities to which XXXX pennsylvania homes were ultimately awarded to the victims. I was under court order to stop paying my mortgage while litigation was taking place. I was fighting with vision property before the court order because the house they sold me was way worse then what they said and I had to spend roughly XXXX dollars to renovate enough to be able to move in and during that time I had to pay rent to live elsewhere pay for construction and pay my mortgage. I am not the only victim here my property is listed in this court order.
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, as they are all fraudulently opened by an imposter that has stolen my identity, and Experian refuses to ACKNOWLEDGE such, and will be sued in FEDERAL COURT! 
I asked Experian to reinvestigate these accounts : XXXX XXXX XXXX - {$680.00} XXXX XXXX XXXX XXXX- {$1200.00} XXXX XXXX- {$3700.00} XXXXXXXX XXXX XXXX XXXX  - {$210.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6700.00} XXXXXXXX XXXX XXXX  - {$3600.00} XXXX However, Experian stated everything is complete and accurate! How is that even possible if the open dates, dates of last activity, balances, and much more is incorrect? 
These accounts are not even in compliance with metro 2 credit reporting, as i have evidence to prove my case.

All These accounts are Fraudulent, and I want them ALL DELETED Immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, want to make the following statement under oath : My last name is 2 words, XXXX XXXX. 
Since late XXXX someone has been using my name to obtain credit while I was stationed with the United States XXXX in XXXX XXXX. 
I was deployed a total of 3 years and 4 months in XXXX and XXXX. These tours were back to back without a break in between. I was seriously injured and spent the better part of my remaining time of enlistment under medical care. During this time I did not actively monitor my credit reports. 
Due to an extended hospital care for combat injuries I have temporally misplaced these military police reports. In wartime the military does not keep records of police reports for easy retrieval thus the need to secure a current identity theft police. 
Every time I provide past police reports, affidavits and correspondences the bad accounts return to my credit reports after a few years under a different name/account number and I have to once again file the same disputes on my credit report. To date I have spent thousands of dollars in legal fees. 
Recently, in XXXX and XXXX there were 16 hard inquiries on my credit reports for a credit card with banks as well as for a fuel card. Twelve credit cards or accounts have been issued since XX/XX/XXXX. I have zero control over these inquires and credit accounts. 
I have flagged and froze credit granting from the three credit reporting agencies. Additionally, there is a fictitious power of attorney that is being actively used under my name as well as a California ID. The stolen identification problem continues to remain an ongoing issue for me. I have also filed a Identity theft report to the Federal Trade Commission. I have attached that report. It is report number XXXX. 
Today, I once again filed a police report with the XXXX Police Department in XXXX, Texas. That report, which I have included is report number XXXX. 
I have not authorized anyone to use my name or personal information to obtain money, credit, loans, goods or services or for any other purpose. Do not grant credit to anyone under any likeness of my name. 

I hereby declare that the above statement is true to the best of my knowledge and belief, and that I understand it is made for use as evidence in court and is subject to penalty for perjury.