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

XXXX XX/XX/year> account is closed by original creditor and XXXX  balance incorrect to present years masrk negative corrent report now is charge of with XXXX only my resolution is remove this account delete from my credit report soon possible
Product: Credit card

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is an invalid information from Portfolio Recovery Associates , LLC ( PRA, LLC ) which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from PRA LLC. I hereby request that PRA, LLC remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If PRA, LLC fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect PRA, LLC to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that PRA, LLC will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

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

XX/XX/18 {$94.00} I wasnt properly informed of this debris prior to the submission.
Product: Checking or savings account

I'm very dismayed by my recent interactions with BB & T. After many years as a devoted customer, my beloved mother passed away. I've been attempting to close my mother 's BB & T checking account. I live in California. I've been told to fly 3,000 miles to come in person to a Florida branch to close it. I'm the only beneficiary. I have a trust account at a different bank and I have all forms required ( will, trust paperwork, notarize death certificate ). BB & T will not allow me to close my mother 's accounts. In the age of internet banking, this is not a feasible option. My mother 's other banks all provided online forms or requested notarized copies of materials. How can there not be other options? I've spoken to people in the corporate offices several times and the only other recommendation they offered was consider flying to Texas and going into a branch there as it is a bit closer. This is something that has happened to many others I've learned as I researched the BB & T complaints which are extensive on the consumer protection websites.
Product: Checking or savings account

I received a letter from the IRS stating that my stimulus payment was made to a XXXX account that did not belong to me. I called XXXX and was told that was a Moneylion account and the money was deposited there. I reached out to ML on several occasions only to be blown off that is not their account number. After doing a review on XXXX XXXX ML finally reached out to me to tell me yea money was deposited there to an account that did not have my name of it. But its not their problem reach out to the IRS. I dont see how they both are not responsible? How can they accept a deposit that is made out to me and allow it to go into someones account? They said oh well the money was taken the account closed. Had they not accepted a deposit for someone other than the person it was intended for and returned it maybe I would have gotten my money. This is a nightmare that I have been trying to solve for years now. Only to be blown off and not even told the name of the account it went into. I have never given the IRS any ML or XXXX numbers.
Product: Credit reporting or other personal consumer reports

I was denied credit increase due to many past delinquent. However, I have setup automatic payment to my account. There was one time late payment that was waived by the company. I believe there are inaccurate information that should be removed since they are old reporting. I would like them to be remove if they are old data in my credit report. Wrong social security number shown when you log online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's is reporting false information on my credit report. They say an account was open with my personal information and that i am responsible for this account. As of today i am only XXXX  years old and at the time the account was open i was XXXXyears old. The address used to open the account is ours except the apartment number is different from our apartment number. Please close and remove this account from all of my credit reports immediately Department Store National Bank is responsible for this false information. 
Macy 's is not my account. I am requesting that the item be removed and correct information be placed on my report. I HAVE ENCLOSED MY BIRTH CERTIFICATE AS PROOF.
Product: Credit card

I recently opened a Wells Fargo Active Cash credit card with a {$200.00} cash rewards bonus when you spend {$500.00} in purchases in the first 3 months. I have been trying to enroll in online banking for purchase monitoring and making payments since receiving the card 10 days ago. 

After 3 calls in to the company over the past week, I have been told that they can not enroll my account because I have a XXXX XXXX phone number. Online banking is critical functionality for my use of this product, and I don't recall any disclosure stating I needed to have a certain cell phone carrier in order to take advantage of this account and promotion.

Had the marketing communication been clear around the required cell phone carriers for an account, I would have never given Wells Fargo my business or taken the hit on my credit report.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. 

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

The fraud accounts are as follow XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I sent a Debt Validation Letter to the General Service Bureau regarding an account. I asked for the Validation of the account so that I know they can legally collect in my state, have proper paperwork to collect, verify where the account came from, know I have my signature allowing a third party to collect on a debt, ect ( See attached letter for information ). In the response to my validation letter, GSB sent me an itemized statement of the bill thus not validating said debt. I was not asking for an itemized statement. I was asking for all information regarding the account and they did not give me any pertinent information regarding it. I am now filing this complaint.

Attached to this report will be the Validation letter I had sent GSB.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I reported to Citibank that my business checking account had unauthorized charge to Best Buy on XX/XX/year>. I was told it was made by XXXX XXXX. I don't know this person, and the charge is a fraud. Citibank rep told me on the phone that they will investigate. On XX/XX/XXXX I called Citibank to let them know that there were multiple ACH transactions made from my account. Some of them with the same name of XXXX XXXX, some are not. I was told my account was frauded and will be blocked. Since that day the charges keep coming, Citibank keeps wiring the money to the same XXXX XXXX and other accounts, new are appearing daily. I was told by multiple representative that the account is blocked. But the money keep coming out. Citibank slowly reverses some charges, just to give the money that they return back to the fraudsters. I have a strong filling Citibank 's systems don't work or /and nobody really cares for the money lost.
Product: Debt collection

On XX/XX/2020 I had an account go on my credit report that does not belong to me. I have credit monitoring and that's when I go the notification about this. The account in question is from XXXX XXXX Acct # XXXX. I figured I would take this route before seeking legal representation concerning this. I know with all the security breaches Experian has had, I am pretty sure my ID was stolen which has caused me undue hardship in making my credit good in these troubled times. Please investigate and you will see this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX, I have noticed a fraudulent account Account name, credit acceptance, Corp. 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on my credit report. I have continuously requested that they provide the purchase agreement and other listed documents to show full ownership and have yet to receive any of the requested items after multiple attempts.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to provide a detailed account of the events that have transpired between myself and Navy Federal Credit Union, which have led to the submission of this complaint. 

On XX/XX/2023, I entered into an agreement with Navy Federal Credit Union. As part of this agreement, I diligently fulfilled my contractual and fiduciary obligations, which included the discharge of debt and the transfer of the principal 's balance to the principal 's account. These actions were taken in accordance with the terms and conditions specified in our agreement. 

However, Navy Federal Credit Union has failed to honor the provisions and obligations outlined in our agreement, despite my full compliance. This breach of contract and failure to fulfill their obligations have resulted in significant financial and personal consequences for me. 

Based on my legal understanding and the events that have transpired, I believe that Navy Federal Credit Union is currently in violation of multiple federal laws, including but not limited to the Federal Reserve Act, Securities Act, Bills of Exchange Act, Equal Opportunity Act, Consumer Protection Act, and the Constitution. I contend that their non-compliance and disregard for our agreement may constitute actions such as extortion, securities fraud, trust fraud, interference with commerce, malpractice, breach of fiduciary duties, and breach of contract. 

In addition to addressing these violations and seeking resolution for the breach of contract, I have demanded that Navy Federal Credit Union provide me with a XXXX credit card with a credit limit of {$50000.00}, as originally requested. I believe that such a credit limit aligns with my financial needs and objectives. 

Furthermore, Navy Federal Credit Union has ignored my Notice of Suretyship, issued on XX/XX/2023, and my Durable Power of Attorney, dated XX/XX/2023, both of which were submitted in accordance with the terms of our agreement. This failure to acknowledge these legal documents further exacerbates the situation and highlights their disregard for their fiduciary responsibilities. 

Enclosed with this complaint are relevant documents, including our original agreement, correspondence, records of transactions, the Notice of Suretyship, and the Durable Power of Attorney, which serve as evidence of the events described. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these alleged violations. It is essential for Navy Federal Credit Union to be held accountable for their actions and to ensure compliance with federal laws designed to protect consumers like myself.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX by XXXX XXXX. Sent me a physical letter stating a Confirmation of Account XXXX for Account Ending XXXX. I have never had an account with XXXX by XXXX XXXX? 
XX/XX/year> XXXX XXXX  : I received an email from XXXX XXXX that my email address has been changed. When I logged in I noticed that a different email was being used for the account. I contacted XXXX XXXX and they suspended as well as deleted my account permanently as per my request. 
XX/XX/year> XXXX XXXX XXXX  : I received a letter in the mail stating that I applied for a credit card but was denied due to the application " has been determined to be suspicious or potentially fraudulent '' XX/XX/year> XXXX XXXX XXXX  Application Number XXXX Notice of Credit Card Application was not approved. 

IN ALL OF THESE INQUIRIES, I DID NOT APPLY FOR ANY OF THESE CREDIT CARDS OR REQUESTED THESE PROCESSES
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past weeks I am unable to access my Equifax account, each time I try to sign in a message is asking me to call ( XXXX ) XXXX. Today and after 15 minutes of replying to questions by typing answers on my phone, I managed to " speak '' to a customer representative ( poor language skills ). Another 15 minutes of trying to reset or receive an email from them ( that never arrived ) so I asked to review the issue with their specialists and inform me when is ready. 
Another hour after I receive an email with a link to reset that password, action resulting in again a total failure giving me the same error as before - " Call the number ''! 

Please put some order into these businesses, they are the ones running our lives and the only thing they do is giving wrong information or NONE! 

thank you!
Product: Debt collection

Heres a sample of how you might describe what happened for your dispute : I am disputing the debt associated with Midland Credit Management that was reported on my credit file. The account, which shows an open balance of {$640.00}, was opened on XX/XX/year>. I have no knowledge of the transaction or obligation that led to this reported balance. 

I previously disputed this debt with Midland Credit Management and requested clarification regarding the origin and ownership of the debt, but I have not received sufficient documentation to verify the debt. I am requesting that they provide proof of ownership and the original creditor 's name, the amount owed, and the amount paid to purchase the debt. 

Furthermore, I am concerned that Midland Credit Management is attempting to collect a debt that they XXXX not legally own, as they are not the original creditor. If they purchased the debt, they need to provide documentation proving they have the legal right to collect on it. I have not been given the required validation, which has resulted in this debt remaining on my credit report and negatively impacting my XXXX XXXX. 

To resolve this, I am requesting that Midland Credit Management provide proof of the debts ownership and any related documents verifying its legitimacy. If they can not provide this, I request that the debt be removed from my credit report.
Product: Student loan

The complaint is regarding a XXXX loan serviced by University Accounting Services, LLC ( UAS ) for XXXX University. 

I did not receive the required notice ( s ) prior to the loan repayment that was supposed to be received in XXXX XXXX. 

In XX/XX/XXXX, I received my first statement after the Covid-19 pause which reflected an Original Loan amount of {$9000.00} ; Current Balance of of {$8200.00} ; and interest balance of {$73.00} which appear to have been included in the Current Balance of {$8300.00}. There was no description in the " Recent Activity/Message '' area. 

In XX/XX/XXXX, I received my second post Covid-19 statement which reflected Interest Accrual in the amount of {$1600.00} listed in the " Recent Activity '' area. The Previous Balance on this statement reflected {$8300.00} ; Interest Balance of {$1600.00}, and the Current Balance significantly increased to {$9800.00}. 

I spoke with XXXX of UAS on or about XX/XX/XXXX regarding the interest charged to the account, which is incorrect. I requested an explanation for the interest and current balance and verbally disputed the amounts. XXXX told me that he was requesting a review of the account and I would receive an email by the end of the week. I have not yet received a response the UAS regarding this matter. 

Another matter that I would like to be reviewed is regarding the documentation that should be received as deferments and pauses are over or have ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an Equifax customer in 2017 when my personal data was breached unlawfully by someone outside the Equifax system.
Product: Debt collection

I had an opportunity to pull my credit report on XX/XX/2023. I found that Spring Oaks Capital was listing a collection for {$910.00} with three credit bureaus. I have not received any documentation or phone communication from this company regarding a balance owed. I would really like for someone to look into this for me. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Mr Cooper, formerly Nationstar reported my name to XXXX XXXX as delinquent in my mortgage payments to the sum of {$2500.00}. This is unfounded and clearly a fraudulent attempt at having me pay to the company more than is due to them, {$900.00} on a monthly basis for the life of the loan. 

Somewhere in mid XXXX Nationstar bought my mortgage from XXXX XXXX XXXX. The agreement was to keep the terms fixed. I have not initiated any transaction and has been paying my property insurance and taxes without issues since releasing them from escrow with XXXX XXXX XXXX in XXXX. 

Nationstar immediately started writing to me regarding refinancing the loan, something I had no plans to do as the payment amount works perfectly for my budget. At one point I attempted to make contact with Nationstar regarding my husband 's death and change of information on the mortgage but was told by a Nationstar agent, " When you are ready to refinance we will have a conversation ''. The very reason it became difficult to contact them, as they were initially hostile. Nationstar, however, continued to make contact via mail regarding the urgency of refinancing. I finally returned one letter informing them of legal action if it continued. It stopped. 

The payment of {$900.00} has been the payment since the release from the original escrow in XX/XX/XXXXas stated prior. In XX/XX/XXXX, now Mr Cooper, Nationstar submitted to XXXX XXXX XXXX an increased amount for {$380.00} for a total of {$1200.00}, an unauthorized sum, for processing from my checking acct ( see attached ). The amount was paid to them as XXXX XXXX XXXX claimed it had no way of verifying if the amount was legitimate as they are only the processor of the fund, and I am opining here that this maybe the very reason Nationstar sought to pull this off. ( All matters regarding this issue were clarified by XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX who made contact for that purpose, having been contacted by CFPB regarding a related complaint filed ). I have further asked XXXX to investigate the payment made on XX/XX/XXXX. 

In response to the XXXX contact, XXXX has refunded the money, {$1200.00} paid to Mr Cooper, as a part of how this process works for the bank, per the XXXX agent. This means that Mr Cooper would now be missing the payment for XXXX. However, on XX/XX/XXXX, I made an extra payment of {$900.00} to Mr Cooper. This extra payment was supposed to fit in for XXXX which I initially thought was dropped by XXXX but has since learned that was not the case ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent an invite to apply for a new Capital One card and was denied however the law says a consumer can never be denied and extension of his or her own credit I do have a {$1.00} XXXX fee schedule set in place for any credit denials since Capital One has violated consumer law I have the right to demand all fees paid upon sight of this complaint {$1000.00} for reporting to my credit and {$1.00} XXXX for denial of an extension to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX is showing Negative accounts that are not listed on my credit report. If not listed they need to be removed. I have a paid account to XXXX XXXX that is listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and XXXX, Equifax has violated my rights. 
15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.
Product: Credit card

multiple late fees and charges on paid off credit card. continuously makes up new charges then adds late fee and then interest on late fee. Reversed all fee last month then charged interest on reversal and with late fee and more interest. Called to day for help and was told because its my due date just to pay XXXX and they wont charge me XXXX + more late fees on all wrong charges. ARE YOU SERIOUS ( extortion )