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

Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- XXXX, XXXX, XXXX, and more. 
Identity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus XXXX, Transunion, and XXXX. XXXX, XXXX, XXXX, XXXX Issues as follow : 1.  XXXX Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. 
2. XXXX added the security freeze successfully. Failed to add Fraud Alert.  Resulting in having to purchase complete Identity theft membership out of pocket. 
3. Transunion failed to add security freeze as well as Fraud Alert. Resulting in additional fraudulent activities. Having to purchase Transunion identity theft products for protection. 

Final results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.
Product: Credit card

Sent {$1000.00} from bank bill pay to the credit card, and it posted on XX/XX/year>. Elan has placed a 7 day hold on said funds and will not state why. 

I inquired as to what the hold was for, and only got back " It's in your cardmember agreement that we can do that, and that's all we have for you '' When I asked Elan to contact XXXX XXXX XXXX XXXX to verify the payment ( as it was sent to Elan from XXXX ) - they refused saying they were unable to do so and could not provide a reason why it was held. Elan underwrites the CC for XXXX, and should have an open line with said Credit Union to verify things and it seems suspicious that they'd not want XXXX to know they're holding member 's payments arbitrarily. 

If it were an ACH payment initiated at the Elan Cardmember services website, I could see the reason for a potential hold, but if the bank has electronically received the funds from the bank they underwrite the card for - there's no valid reason to have a hold placed on the funds.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent a letter to Experian letter to investigate items to be inaccurate or incomplete. Experian responded back with a stall letter on XXXX XXXX saying it was a not me it was from a third party. I have done this from my own home. I am not show why would they send this, I am not a third party as Im trying to fix my own credit and Im trying to get these inquiries remove so that way i can buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with XXXX, Equifax and XXXX  identifying accounts that were open fraudulently. I submitted reports from Identity Theft .Gov. The 3 credit reporting agencies removed some accounts, but eventually placed them back on my credit reports. The current credit card I do have is not being updated on either credit bureaus correctly. I have notified all 3 credit reporting agencies of addresses on my report I have never lived
Product: Credit reporting or other personal consumer reports

i submitted notarized documentation of what my name, address, and all personal information should be on my credit report, it has been XXXX days since i submitted this information thru certified mail with a return receipt signed by a XXXX XXXX XXXX on XX/XX/year>, they have not even responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to communicate with the said collection company. I have never had any doings with this company neither do they have any written contracts to verify this debt. I have also paid this debt in the sums of XXXX with hopes of having it removed from my credit report because I am in the process of purchasing a new home they have yet to remove the debt and its hindering me from obtaining other credits. Please have this company remove this inaccurate information immediately.
Product: Credit card or prepaid card

On XX/XX/2022 I went to an ATM machine that is owned and operated by XXXX ( XXXX ). I withdrew {$400.00} and did not pull the money out within the allot 5-7 seconds and the funds were pulled back into the machine. XXXX is requesting the supporting documents of the investigation from Direct Express the provider of my Debit Card. 

I have repeatedly reached out to Direct Express for a copy of documents which were used in determining a final outcome of a disputed investigation. 
The dates we called are XX/XX/2022 / XX/XX/2022 / XX/XX/2022 / XX/XX/2022 / XX/XX/2022 and XX/XX/2022. 
I then mail a request on XX/XX/2022. They have said they mailed the requested information but I have not received. I am unable to provide XXXX ( XXXX ) this information and am still waiting for my {$400.00}. 

XXXX ( XXXX ) XXXX no address provided Direct Express XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom it may concern, Attached you will find information I have identified that needs to be deleted from my credit report immediately.
Product: Debt collection

Received in mail a collection from Hunter Warfield so I called them said that is not my debt and he said if I don't give my SSN he can not help me and hung up the phone.
Product: Mortgage

First we have had a mortgage with US BANK for more than 13 years we have been charged 9.5 % interest the whole time we requested a refinance and was denied cause they can make more money this way and because the house is located in the flood plain we cant find another lenders and are forced to pay this ridiculous amount
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. 

XXXXXXXX XXXX XXXX  OF : # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX,, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I had a letter come in XXXX saying I owed a debt from XXXX. I spoke with them and they told me they would delete debt from their files. Then I received an email from my credit tracker saying I owe the debt to XXXX XXXX and that the account opened XX/XX/2020. This Is identity theft or a debt that is too old to be on my credit either way this needs to be taken off of my credit. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry listed below is fraudulent and is being reported fraudulently on my equifax credit report and also attached is my identity theft report. 

Equifax XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO OPEN THIS FRAUDULENT LEASE ACCOUNT THAT I DID NOT OPEN SOMEONE USED MY INFORMATION TO OPEN THIS LEASE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Dear Sir/Madam, Please be advised that, iQuantified Management Services , LLC at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX CO XXXX ( phone # XXXX ) sent me a Collection Notice for {$1800.00} ( Eighteen Hundred US Dollars ) dated XX/XX/XXXX. This is for Client Named ; XXXX XXXX XXXX XXXX XXXX ( a/c # XXXX dated XX/XX/XXXX ). 

I am Resident of California, and have never resided in any other state. My Jurisdiction is California Only. I remember after my accident in XX/XX/XXXX, i was Hospitalized at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I had XXXX ( on XXXX ), and qualified for Medi-Cal Benefits ( ID # XXXX issued on XX/XX/XXXX ). Until now! I was never informed of any pending BILL from ; XXXX XXXX XXXX XXXX XXXX ( client 's a/c # XXXX ). 
I have done some research for the COST of XXXX   services and XXXX info reads that Cost are less than {$500.00}. The Question is, WHY so much {$1800.00}?? Financial Extortion is  a criminal offense! Doesn't Medi-Cal reimburse for XXXX  services?? Also, WHY didn't a  California Collection company contact me?? I am NOT from XXXX, Colorado! This Collection BILL is way too, overstated vs the actual COST in question. 
We all know that the XXXX XXXX XXXX XXXX, XXXX, CA is under investigation for Penal Code : 550. They have been using POOR patients as Pawns to Fraudulently Bill the State of California for frivolous sums of monies! Medi-Cal benefits is a FREE benefit for qualified applicants under MAGI Program!  Logic tells us that, medical services is reimbursed at Cost plus a small profit Margin less than 100 % on Cost Value, and NOT at 200 % or 300 % plus values. Grand Theft from the state of California is a High Criminal offense! These people have been screwing the State for Millions of US Dollars.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I received an email and notification that said there was a hard inquiry on my credit report that dropped my score XXXX points. I checked what it was and it said it was an inquiry made by Capital one. I called Capital One at XXXX to confirm that an account was opened under my name, SSN, etc., and the representative confirmed that a line of credit was approved under my name for {$1000.00}. The representative told me that they would open a fraud investigation and left it at that. I soon received an email telling me that a package which I did not purchase was being sent to my place by a company called XXXX. I looked them up and their website says " XXXX provides deep industry expertise and best-in-class bankruptcy software solutions and services that help fiduciaries. '' As of now I am still waiting to hear back from Capital One. The number that I believe opened my account is XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention that there may have been a compromise regarding my credit with your institution. Upon reviewing my records, I observed that an account previously removed has reappeared in my Equifax credit report. It is imperative to note that under Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal obligation to promptly remove and block any account determined to be the result of fraudulent activity. The disputed account in question does not pertain to my financial obligations. Attached herewith is the required FTC Report # XXXX for your reference and action. I kindly request the expeditious removal of this account from my credit profile. Should there be any inclination to consider the possibility that this account pertains to me, I insist upon the provision of all documentation bearing my signature. It is worth emphasizing that regulatory standards necessitate a meticulous verification process, ensuring the absolute accuracy and verifiability of any purported account. Failure to furnish relevant records and insisting on account verification without substantial evidence may compel me to pursue legal recourse. I trust that compliance with statutory mandates will facilitate the swift resolution of this matter. The disputed account, having been opened without my consent or knowledge, warrants immediate removal, in accordance with Section 605B of the Fair Credit Reporting Act. For your reference, the pertinent details of the disputed account are as follows : : 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
Product: Student loan

********NOTE : THIS IS NOT A " DUPLICATE COMPLAINT '' DO NOT CLOSE : ****** This is another issue entirely. 

I have a private student loan with Navient that consolidated XXXX loans from attendance at XXXX XXXX XXXX. The school listed on the loan application was XXXX XXXX XXXX. The loan application date was XX/XX/XXXX. The loan was disbursed on XX/XX/XXXX. Navient has the loan labeled as a XXXX  XXXX XXXX loan. This is incorrect and I have asked them to correctly label the loan as XXXX XXXX XXXX. They refuse to do so. 

They state that although the loan was for XXXX XXXX XXXX, I was attending the XXXX  XXXX XXXX at the time the loan was disbursed. This is incorrect. 

The Navient loan was disbursed on XX/XX/XXXX. My dates of attendance at the XXXX  XXXX XXXX started on XX/XX/XXXX and Navient acknowledges this in the letter they sent me. 
XXXX XXXX dates of attendance : XXXX Private loan application date : XX/XX/XXXX Loan originated : XX/XX/XXXX Loan disbursed : XX/XX/XXXX XXXX XXXX  XXXX dates XXXX attendance : XXXX I was not attending any school at the time of origination ( XX/XX/XXXX ) and disbursement ( XX/XX/XXXX ) and the most recent school I HAD attended was XXXX XXXX XXXX. 
NO loans associated with the XXXX  XXXX XXXX are included in this loan, at all and Navient acknowledges this. 
This loan is NOT a XXXX  XXXX XXXX loan and the documents attached attest to these facts. 
The loan needs to be labeled accurately as an XXXX XXXX XXXX loan. 
Any attempt to call this a XXXX  XXXX XXXX loan is FRAUD ( as defined by the state of XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX : means to knowingly obtain, by deception, some benefit for oneself or another, or to knowingly cause, by deception, some detriment to another ). The dates speak for themselves. Navient is clearly attempting to realize some benefit to their company by labeling this loan as something other than an XXXX XXXX loan.
Product: Checking or savings account

In XX/XX/2023 I received a letter from the IRS that we owed back taxes. As I knew they were paid I went online to my Chase account to retrieve check information and found that over the year 6 of our checks had been washed and deposited to random people but not the tax departments. In addition there was a fraudulent cash withdrawal from a teller at a branch for {$41000.00}. I immediately called the Chase fraud phone line and their response was how is that possible. I had the same question. I went into my branch and sat with my rep for hours while we spoke to the fraud department and reported everything. In addition, I filed a police report. After not getting any response from Chase, I inquired what was happening and they said that being this all happened more than 60 days earlier, they will not take responsibility. Theres no reason I would have looked at those checks had the IRS not contacted me so of course I didnt notice it earlier. But the total that was stolen is over {$200000.00}. The police subpoenaed Chase for a video of the cash withdrawal but have not heard back yet. I have contacted the police department multiple times but they said we have to wait.

Chase gave me the info where the washed checks were deposited and which branch the cash withdrawal came from. It happens to be a branch Ive never been in.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called Credit Management sent a bad debt notice to credit agencies for a debt that I do not owe. I contacted them over a week ago and have not heard back a word while their mark on my credit report has affected my credit negatively in a substantial way. I need to make them responsive in order to get this bad mark removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report from XXXX XXXX. I never opened an account with XXXX XXXX. After speaking with someone when they attempted to collect, I was told this was a conversion from a XXXX XXXX  Card that I had for XXXX XXXX. This card had a {$0.00} balance on it when it moved from XXXX XXXX as it was never used, and the replacement card was apparently sent to my old address at which point a balance appeared. 

So I have no idea where the balance on the card came from as I never had the replacement card sent to me at an address I could receive it, I did not enrol the card in any sort of payment or online portal ( as I was told by collector was done ) or anything of the sort. In fact, I had no idea the issuer had even changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing these following accounts due to the fact my identity was compromised long ago, but yet these unauthorized accounts are still reporting on my credit file. I'm demanding that they be blocked, or the 3 major credit bureaus so just why they are reporting these unauthorized fraudulent accounts. Please block these accounts ( 1 ) XXXX, ( 2 ) XXXX  XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the balance of a XXXX XXXX on XX/XX/2019 Account number XXXX. I paid this item in full. Today is XX/XX/2019. The bureau did not change the balance on this item ... the notice of dispute does not even appear on it in my credit file. 

The FCRA provides that this investigation be completed in 30 days. Not only is it not complete..they never started it. I have attached a copy of the payment in full. I now want this item removed from my file as provided by law.
Product: Mortgage

We refinanced with our then current mortgage company ( XXXX ) in XX/XX/2018. At the time we mailed in our XXXX payment ( XX/XX/XXXX it was cashed ) and we closed the refinance on XX/XX/2018 with a sub-company of XXXX   called Lakeview Loan Servicing , LLC. 
Lakeview sent us a statement on XX/XX/18due for XX/XX/18and listed an " unapplied Balance '' of {$430.00} and that our total amount due ( TAD ) was {$530.00}. We made the XXXX payment but on our XX/XX/18 statement the XXXX was listed as an " Unapplied Balance '' and the XXXX was listed on XX/XX/18as " Additional Principal Payment. '' I have contacted Lakeview numerous times to get this XXXX pulled from Principal Only and applied as a Regular Payment but they have delayed the review and have stopped returning my calls. My wife started a CFPB complaint for some additional issues with this company on XX/XX/18 and at that time Lakeview assigned XXXX XXXX to the case. I have left voicemails for him on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no return calls. 
The resolution I want is for Lakeview or XXXX to apply XXXX as a regular payment so that we will stop showing as past due ( since XXXX ). i would also request that any late fees be waived as this was an error on their part ( incorrect statement ) and that our Credit Bureaus be corrected to show as on time payment. 

**Additionally this company uses a robo-dialer to contact customers with a pre-recorded message and there is not an option to speak with a live agent requiring each and every customer to make a call back in to Lakeview .
Product: Credit card or prepaid card

I called Wells Fargo Card Services at the beginning of XXXX to have them STOP sending me statement stuffers with balance transfer checks. 

Once again, in the End-of-month XXXX billing statement, there was a balance transfer check. 

I had to call again. They said it could take up to two billing cycles.

This is the third. Then, they said it could take up to 60 BUSINESS days, which is a REALLY long time period. In the meantime, I'm subjected to potential fraud, if my statement is stolen.
Product: Checking or savings account

I entered into my bill pay at Bank of America the following payments : XXXX XXXX, TX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank of America misdirected the payments to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of a charge off account that is currently being reported on my credit file. The account in question is listed with three different last active dates to XXXX, XXXX, and XXXX, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 
As per the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information on consumers ' credit reports. The multiple last active dates for the same account indicate that my credit file is being inaccurately reported and I demand that this be removed from credit file immediately. 
I request that the charge off account be deleted from my credit file, as it is in violation of the FCRA. I have attached supporting documentation to this letter which proves the inaccuracies of the information being reported. 
Please take immediate action to correct this issue and notify me of the outcome in writing within 30 days. If you are unable to correct this information, I reserve the right to take legal action, I submitted this dispute to the three major credit bureaus, and they did not correct it, or take it off of my credit file, which is also a violation of the Fair Credit Reporting Act ( FCRA ). Please have them remove this from my credit report immediately. 

Thank you for your prompt attention to this matter. 

The account is question is Exeter Finance LLC and the account number is XXXX