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

I enrolled the wrong payment account via XXXX XXXX XXXX verification portal. I enrolled my savings account rather than my checking account and due to this error the payments I was making were being returned and not posting. I didnt realize the mistake until I had already resubmitted payments 3 times and was assessed return fees. Here are the dates : XX/XX/year> {$60.00} & {$100.00} XX/XX/year> {$430.00} & {$440.00} new account I added a new account but I had to use the manual feature once I noticed the error and immediately brought the account current. I have requested via phone calls and letter that they remove that 30 day late reporting to the 3 credit bureaus but they declined due to it not being their and it being late. I dont feel this is a true reflect of my consumer history. I have not had any late payments in over 20 years. I even asked to speak to someone form their credit reporting department and was denied because they dont take calls. I write letters to the 3 credit bureaus too and no response has come yet. I was in the middle of purchasing my late fathers home and due to this reporting the lender doesnt want to extend the loan if I cant get this removed.
Product: Credit reporting or other personal consumer reports

This business that I have no right to run my credit never did business with them. Information is incorrect and I need it to be removed off my credit report as soon as possible.
Product: Credit card or prepaid card

I have 2 accounts with XXXX XXXX ... I haven't used either account in over 3 years. I was called in XX/XX/2017 and told the account would be at a XXXX balance if I paid half and they credited half, I paid and was told they were paid off, I never received a bill and am not told that they accounts have a combined balance of almost {$1000.00}. I want these interest charges and late fees to be credited. I also want the late payments noted on my credit report to be removed as well.They call me every few months for a payment to show my account is still active and I pay because I don't want my credit destroyed but this isn't fair and my accounts should be credited in full
Product: Credit reporting, credit repair services, 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. 

ACCOUNT NAME : 1.XXXXXXXX XXXX XXXX ACCOUNT NAME 2.XXXX XXXX XXXX ACCOUNT NAME 3.Department of Treasury XXXX ACCOUNT NAME 4 . XXXX XXXX XXXX ACCOUNT NAME 5 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 : it also states a CONSUMER reporting agency can not furnish a 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 antidotes 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 information is inaccurate.
Product: Credit card or prepaid card

My information ( S.S. card, ID, cell phone, and purse ) were stolen in XXXX of XXXX. I started to get hard inquiries on my credit report shortly after, mostly for car loans, credit cards, and some personal loans from what I can see. A lot of soft inquiries too. There was a fraudulent Credit line opened in my name that I took care of. It was listed on my credit report along with a address I never lived at. Capital One has checked my credit 11 times from XX/XX/XXXX to XX/XX/XXXX. I have never applied for anything through this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account from XXXX XXXX XXXX XXXX was paid in full in XXXX. Please remove it from my credit account
Product: Credit reporting, credit repair services, or other personal consumer reports

how is it fair and impartial to only take in consideration what nelnet is reporting to you In 2014 in XXXX I did not authorize XXXX department to report my information to the experian credit bureau. 
I am claiming Identity theft because this is a business transaction that does not benefit me. 
First I wan na know how experian verified my Account with XXXX department of education. 
as a result of your reinvestigation account was verified in 5 days how is this possible
Product: Credit card

I called, I believe XXXX XXXX to report a lost card. When the agent answered after almost 1 hour waiting, I gave her the card number XXXX XXXX XXXX XXXX my XXXX card. What happened the next day is unbelievable. My Citi Thank You card was the XXXX cancelled. I tried calling, but 60 minute waits for customer service are unreal. One time someone answered and I said wait, she hung up! Today I just got my Thank You card ... But where 's my XXXX card?? In LaLa land I suppose. About 10 days ago I sent a message to Citi which nobody answered to date. Is that customer service? I 've been with Citi since 1999, I believe ... What a way to run an airline!!! Oops a bank ... XXXX A. XXXX ( XXXX XXXX XXXX email : XXXXXXXXXXXX ... as you can see I 'm still an optimist thanks to XXXX, not Citi.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
-The only address that should be listed on my credit report is the address provided on my Drivers License XXXX XXXX XXXX XXXX Any other addresses should be removed. 
-Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *I graduated college in XXXX and I never attended these schools which loans started in XXXX. I've been battling this for years with no results. 
-Account name 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  {$400.00} written off. 
-Account name 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 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report. The fraudulent items are highlighted.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

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

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

On the XXXX of XXXX, I went to the XXXX gas station On XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and tried to withdraw XXXX, from a PNC BANK ATM using my bluebird card. I then realized I had to move my money out of my savings account to my checking first. So I canceled the transition. Using my cell phone, I moved the money out of savings into my checking account put the card back in the atm ask for the XXXX an waited! ( Nothing came out ) so I reopen my XXXX  app looked in my checking account to find the money was gone then looked back at the atm to see a statement saying Temporary out of service I took a picture and then called XXXX a investigating was started Hi XXXX XXXX, We have concluded our investigation of the following dispute : Transaction Details Case Number XXXX Amount {XXXX  Merchant ( XXXX ) PNC BANK We have completed our review and have determined that no credit is due. The transaction will remain on your account because : The ATM provider confirmed the funds were dispensed for the amount requested ; there is no error found in the amount of {$XXXX}. XXXX part After submitting my complaint with pnc bank by Consumer Financial Protection Bureau they investigated and found fault on their side and did a chargeback. I then contact bluebird to reopen the dispute and gave them the information and document that show i was to be issued back my XXXX. XXXX sent me a letter saying pnc didn't return the money that have completed their review and have determined that no credit is due. The transaction will remain on your account because : The ATM provider confirmed the funds were dispensed for the amount requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please add the following remark ( s ) to my XXXX  XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.
Product: Credit card

Today, XXXX XXXX, 2024, I have received an email with a statement for my Discover credit card. While reviewing the statement I've noticed that I was charged for two transactions that I did not recognize and disputed earlier. I immediately started a chat with Discover agent due yo a concern of recurring charges ( the transcript is attached ). Later I've noticed that my Discover inbox had emails that I was unaware about. Strangely, these emails that I never got notified about neither to my XXXX email account that I use to communicate with the credit card company nor in paper, were sent 16 days before the staement with a notification was issued. Plus, these emails talk about 15 days to dispute the results. But I got the first email to my outlook account onlyu after this period has been passed. The credit card company provided the results of their research on the disputed transaction. It looks liks these tarnsactions was initiated by my daughter before she even become XXXX XXXX XXXX on XX/XX/2024, without my knowledge. She might have entered my credit card details to fill out a free trial form for XXXX XXXX program. And she might have done it on the XXXX XXXX XXXX XXXX computer back when she was still the scool student. However, her email XXXX ( mentioned in documents attached by the Discover ) was deactivated well before the transactions happened, as she graduated the school in XX/XX/2024. She wasn't even in a possession of the computer she might have used to start the free trial. Furthermore, I have doubts that the Discover company agent was honest with me as XXXX mentioned that they couldn't immediately close my account on my request due to technical issues ( see in the transcript ). Please help me understand if I have rights to continue my dispute as I claim that these transactions have to be rolled back. Thank you, XXXX XXXX
Product: Debt collection

An account was opened in my name, but I have never heard of the address or the name of the company that some one opened an account with. 
PennCredit corporation is the collection agency trying to collect the debt. 
The company is suppose to be XXXX XXXX, may be in Texas, it does not say. 
The address they have for me is XXXX XXXX  XXXX XXXX. 
When I called XXXX energy they can not find an account for me. 
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX there phone # is XXXX Creditor XXXX XXXX no address XXXX XXXX I just received a phone call from XXXX They are asking for a report from The FTC and a police report. 
I do have a police report Thank you for your help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have lived in XXXX XXXX. since I got out of the XXXX in 1970.
Product: Mortgage

Per previous CFPB complaint number XXXX, Fay Servicing finally acknowledged the ( 2 ) consecutive six-month Pandemic Forbearances granted to me by the prior servicer, XXXX XXXX. The duration of these started XXXX - XXXX and then the second one from XXXX - XXXX. These were already approved and in place when my account transferred to Fay Servicing XXXX. Fay Servicing has since removed my account from these, changed my account terms and falsely stated that I applied for a Trial Plan with them with a new payment amount. I have never applied for anything with Fay Servicing or requested to change my account payment terms, this is bogus. Now I know that when the Pandemic Forbearance expires XXXX, all payments not made are due. That is why I started to send in payments to them now so that the amount due XXXX, will be reduced. On XXXX. I tried to send Fay Servicing one month 's payment via XXXX and was told that the payment would not process because the account number did not exist. I requested the clerk to try again and again, same results. I tried to make a payment over the phone and was not able to. So, I mailed a payment in via USPS certified mail and it was returned. The letter dated XXXX from their Payment Processing Department, stated my payment was being returned because " Your account is in active pre foreclosure or foreclosure status. We are unable to accept anything less than the full amount due. '' Meanwhile they are charging me interest and fees while no payment is due at this time because I am in the Pandemic Forbearance until XXXX. The prior servicer allowed payments that were of course, optional during the Pandemic Forbearance and was very helpful during this national crisis.
Product: Debt collection

I first received a bill from I C Systems Inc regarding an unpaid balance for XXXX back in XXXX of XXXX. I contacted this collection agency to advise that this account was discharged in my Chapter XXXX Bankruptcy. I know as of today XXXX/XXXX/XXXX discovered this collection agency has put this on my credit report as a negative collection. The original date of the bill was XXXX/XXXX/XXXX
Product: Student loan

I am writing to formally request validation of the debt referenced in your recent correspondence regarding an account held by Navient in the amount of {$39000.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt. 
The name of the original creditor ( XXXX ). 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
I dispute the validity of this debt and request that you cease all collection activities until you provide the requested validation. Additionally, I ask that you refrain from reporting this debt to credit bureaus during this verification process. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all of my personal information as well as disputed all inquiries that I have listed below as fraud as I am a victim of identity theft and fraud and the credit bureaus have not removed these from my credit reports. 
I have contacted each of these companies and they could not verify why these inquiries were made and informed I needed to contact the credit bureaus. 

I have filed police reports # XXXX as well as filed identity theft and fraud reports. 

1. XXXX XXXXe 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8 . XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11 XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX 16. XXXX XXXX XXXX XXXX, XXXX 17. XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX Bank : # XXXX, XXXX 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, 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 a 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: Checking or savings account

On XX/XX/XXXX our personal checking account was defrauded of {$8800.00} using a fake passport as Identification. The bank reviewed the transactions with us while on the phone. They confirmed two checks were written and cashed at their XXXX, PA branch. Our branch is in XXXX, PA ( hundreds of miles away ). Those checks bounced and the bank emptied our account to cover the checks. They said an investigation would begin and our funds should be returned within 7 days. It's been 16 days and our funds have not been returned. We have contacted them several times over the past two weeks and they say they are still investigating. We need your help. We are XXXX  citizens and need these funds to live.
Product: Checking or savings account

Us Bank XXXX XXXX XXXX XXXX Account number XXXX Routing number XXXX US BANK XXXX CA XXXX THEY OVERDRAW MY ACCOUNT AND NOW THEY ARE HOLDING MY FOUNDS AND MY PAYMENTS.. AND MY MORGAGE LOA. EVEN I PROVIDE THE LATTER LOAN APROVAL THEY LEFT ME ON HOLD FOR AN 1HR AND 30 MIN AND THEY HANG UP AND SEND ME TO A SURVEY AND NEVER GOT HELP WITH. AFTER THEY TRANFER ME WITH 5 DIFERENT PEOPLE AND THEY COULDT GET IN THE SISTEM. 
THANK YOU FOR REVIEWING MY PETITION.
Product: Debt collection

VANCE AND HUFFMAN LLC, DID NOT SEND ANY NOTIFICATION TO ME ABOUT ANY DEBT. I HAVE CREDIT MONITORING SERVICES AND THATS HOW I FOUND OUT THAT THEY PLACED A COLLECTION ON ALL 3 CREDIT REPORTS, XXXX, XXXX, AND XXXX
Product: Debt collection

In XXXX of XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XXXX XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a XXXX XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX XXXX XXXX XXXX for a visit on XXXX/XXXX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XXXX XXXX ) discovered that the same charge appeared back on the XXXX and XXXX  reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in XXXX XXXX.