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

I advised that this account that is reporting on my credit profile through Equifax as of XX/XX/2017 from an unknown collection company by the name of XXXX XXXX for the amount of {$600.00} do not belong to me and is reporting inaccurate incorrect information on my credit profile this medical bill showing up on my credit profile is not mine. I do not go and have not been to any hospital 's or doctors ' in Over 20 years. I only use natural remedies only I do not believe in Western medicine or prescriptions. Equifax is breaking the law along with XXXX XXXX with report inaccurate incorrect information. Per 15 U.S. code section section 1681b ( g ) ( 3 ) prohibits such information from these collection companies and credit report agency from breaking the law with their alleged investigation 's.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acoount Name : Credit Acceptance XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : unknown not reported Account Name : XXXX XXXX XXXX Account Number : unknown not reported 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 with 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. 

Credit acceptance is over 7 years and was supposed to fall off XX/XX/XXXX account was not removed or investigated all information never changed
Product: Debt collection

I got my annual credit report and noticed Home depot/Citi bank reported late payments to the bureau on my account, when I never had a late payment. I called their collections department at XXXX to inquire why this was the case. They told me that there was no record of a late payment. I then requested for them to remove the late payments information reported to the credit bureaus from my history but they refused, insinuating that they are unable to do that. But they were the ones who initially falsely reported late payments to the bureau.
Product: Debt collection

I am writing to express my concerns regarding a recent interaction with a debt collector. The company lists themselves to the credit bureaus as the XXXX XXXX  of XXXX. They are not. They purchased debt. This is false representation. I requested validation of the debt in XXXX of 2025 but did not receive a response. I have called several times and keep being told it is being " worked on ''. Under both the Fair Debt Collection Practices Act ( FDCPA ) and XXXX  XXXXXXXX  XXXX  XXXX  XXXX XXXX  ( XXXX ), debt collectors are prohibited from misrepresenting the amount owed. Specifically, adding fees not included in the original contract constitutes misrepresentation. The FDCPA allows collectors to charge only those fees that are " expressly authorized '' by the original agreement or permitted by law. If the original contract does not specify these additional charges, they can not be added later. Furthermore, the XXXX  XXXX  and XXXX  XXXX XXXX  XXXX protects consumers from unfair or deceptive practices, which includes imposing unexpected charges. Not only that but this item is list negatively on my credit report XXXX. Please remove it.
Product: Mortgage

US Bank accepted and processed forged loan modification documents that altered the terms of my mortgage without review or approval
Product: Debt collection

I first found out this debt was sent to collections via phone only and never received a notice a call at all even up to today. I spoke with XXXX XXXX regarding the account in the month of XXXX. I updated my address as well since it was inaccurate. I informed the company that I am disputing the debt with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and would need to get back with them once resolved. The representative threatened that he will report this on my credit and will impact anything i get in the future if a payment was not made today. I was forced to pay account after continuous calls and threats from the company and never hearing back from XXXX XXXX XXXX which a complaint was filed against them with CFPB as well. More importantly, the representative assured me that if I made a payment prior to XXXX therefore the account will not be reported to the credit bureau. I made payments on XXXX & XXXX which totaled out to be {$320.00} and satisfied the entire balance. Recently, I looked at my credit report and see that the account was on my credit. The company lied and harassed me until I made a payment and even smirked when I told him that I am disputing the account with XXXX XXXX XXXX. Also, I sent an email requesting the company cancel any collection attempts until account is resolved with XXXX XXXX XXXX on XXXX/XXXX/17. I never received a response from them at all.
Product: Debt collection

The company has failed to validated information to collect a debt. Request the company to remove the debt from all three credit report
Product: Debt collection

I FOUND SOME ERRORS ON MY REPORT THAT ARE IN QUESTION, CAN YOU PLEASE SEE THE ERRORS I FOUND BELOW, THANK YOU FOR YOUR PROMPT ENGAGEMENT.
Product: Checking or savings account

Navy Federal Credit Union has unjustifiably and wrongfully denied access to my person account, along with a joint account, with whom I share with my grandmother, XXXX XXXX. After an attempt to transfer money off a credit card, Navy Federal flagged our accounts as fraud. They requested that I go to the bank to show ID, which I did, along with my grandmother, which she was unable to do, because there is no branch in the State of Indiana. For three days we have spent hours on the phone with Navy Federal, along with have faxed over numerous documents proving identity, along with a Power of Attorney, which they rejected and failed to state a reason. It is worth noting that though I have POA for XXXX, I was already from day one listed as authorized and joint on all accounts. They are now forcing a XXXX XXXX XXXX woman to drive three hours to the nearest branch to show an ID card. If you were to visit this company 's website, there is nothing posted that states members must reside in a state where a Navy Federal is located. We feel discriminated against and targeted. Furthermore, we have suffered financial hardship due to this unreasonable actions that Navy Federal has taken. Please assist, we have no access to any accounts and it is causes us unnecessary debt. To better assist you, I have multiple fax, POAs, Sworn Affadavits, along with past mail to prove our identity and the wrongful action taken my this institution. Two individuals in particular that offered no recourse where XXXX and XXXX in Security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Information on Credit Report. XXXX Report Credit Agency is Reporting incorrect personal agency. Asked several times to to updated and corrected the information. The Agency is displays black outs on there website making it difficult for consumers to dispute information. They are violating consumer rights and personal information. Contact in the month of XX/XX/XXXX and XX/XX/XXXX. To updated information.
Product: Money transfer, virtual currency, or money service

This is in reference to my first unresolved issue : CFPB Complaint ID numbers : XXXX. 

The Case : Current Case numbers with Citibank : XXXX ( Incidental Reporting Unit ) - XXXX Citi Executive Response Team - XXXX On XX/XX/2021, my " protected '' saving account with CitiBank was completely wiped out through three consecutive unauthorized wire transfers totaling XXXX $ XXXX made on XX/XX/XXXX, XXXX, and XXXX, to an unknown receiver in XXXX without any authorization from me or even any notification from the bank of such suspicious transactions. I learned about the fraudulent transactions through my account manager when I called them on XX/XX/XXXX. Since then, I have immediately opened a case with the Bank 's Incidental Report Unit ( IRU ), the Bank 's Fraud UniXXXX, and the Bank 's Executive Response Team. Although the bank exceeded the 60 days period of investigations, they still did not provide me with a result of their investigation or credit the fund back. Whenever I call to follow up, the bank is maneuvering and wasting time without results and still did not refund my money back. The bank should be liable and take the responsibility of their mistake in releasing the wire transfers without my authorization or any attempt to verify the suspicious transactions or to notify me of such suspicious transactions. I only came to know about the fraud 3 weeks after their occurrence. During all this time, the bank did not raise any flag of questioning those transactions or bringing the matter to my attention. 

The bank failed to protect my account and follow the security procedures for verifying wire transfers although my account was dormant - without any transactions- for the last two years. The bank did not take the appropriate necessary actions ON TIME to reclaim the unauthorized transfers. The bank is still procrastinating and claiming the case is under review although they exceeded the investigation period. I still did not receive a formal response and the result of their investigation with evidences.
Product: Vehicle loan or lease

My name is XXXX XXXX last 4 of my SSN are XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I made a payment through the online system for my car payment on XX/XX/XXXX. This payment was returned because I submitted through savings instead of checking. I only authorized a ONE TIME PAYMENT. On XX/XX/ Ally bank resubmitted the payment through without my authorization causing my bank to charge me XXXX. I called in and spoke with a manager named XXXX who told me that they did not need my authorization to process this payment since I already gave it onXX/XX/XXXX. She claimed that by me making that payment I gave authorization for the to go in and draft my account again if the payment was returned. She stated this was and agreement I made before submitting the payment. Well I went back and check what the online system stated when making a payment. " I authorize Ally to debit a one-time payment from my designated account in the amount and on the date i have selected and this authorization will be in effect until the payment is paid or until I cancel ''. No where does it state if my payment comes back I authorize Ally to draft my account again. I believe this practice is unfair and deceptive.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I am writing this complaint because I have exhausted all my viable options to resolve this issue with Chase and XXXX. I am currently in a bitter dispute with Chase Bank and XXXX. This whole situation started in early XXXX XXXX when I discovered that a company by the name XXXX XXXX XXXX XXXX was charging a monthly subscription fee to my debit card. I placed a call to my Bank ( Chase ) late XXXX XXXX to alert them of the suspicious charges. Chase immediately reversed the charges and refunded me my money. I thought the issue was resolved until I noticed that on XXXX/XXXX/XXXX, Chase had put the charges back on my account. When I contacted Chase about why they put the charges back on my account they said that after investigating the matter they found to the charges to be legitimate. How Chase could reach this conclusion after their investigation I will never know. After being disappointed by Chase I decided to contact XXXX directly to reason with them but they did n't seem to care if the charges were fraudulent or not. Even after explaining to them that I had never heard of them let alone purchase anything from them, they still refused to refund the money because of their refund policy which I would understand if the purchases were in fact made by me. I never once received an email confirmation from XXXX for the allege orders. Had I received an email or letter from XXXX informing me that a purchase had been made then I would have contacted them immediate to let them know that this purchase was not made by me. In my opinion that it was negligent on their part. To make matters even worst, I never even received the package they claimed I ordered but said it was delivers I was finally emailed an order confirmation on XXXX/XXXX/XXXX for an order they claim was made in my name on XXXX/XXXX/XXXX XXXX. I have attached a screenshot of the invoice to show you that my address was misspelled ( It 's " XXXX XXXX XXXX '' NOT " XXXX XXXX '' ). I have search my email up and down and I do not have XXXX email from XXXX which is very suspicious because anytime a person purchases anything online more emails are certain to follow informing a customer on more products they can buy. I wanted to resolve this situation amicably but Chase and XXXX are refusing to refund my money. I feel like both companies ( Chase and XXXX ) teamed up against me in the investigation which I was not a part of and decided that I was the XXXX that should take the loss. These charges are fraudulent and there is nothing I can do to convince both parties. I loss a total of {$160.00}. I want XXXX XXXX XXXX XXXX to prove that I made the purchases, all they could provide me with was an IP Address they claim they order came from. I am only XXXX person so as much as I would like to hire a lawyer to get a court order so that XXXX could look into the IP address, I ca n't because I do not have the resources to launch a full investigation into the IP address.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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

cant put a security freeze in my Credit File
Product: Checking or savings account

XX/XX/2023 I received an email stating " Welcome to your new XXXX XXXX XXXX Banking Account. '' I was also enrolled in Online and Mobile Banking the same day. I did not apply for an account, nor create an account.

I immediately called Bank of America ( BoA ) to close the account. I was told that I needed to file a claim, which I did ( XXXX ) and reported to the three credit bureaus. I was told by BoA my account was red flagged, but not closed. Credits could still be accepted, but withdrawals and transfers could not. I was also told I could go into any branch and complete the affidavit for identity theft. 

XX/XX/2023 I visited the BoA in XXXX, MI ( XXXX XXXX ) and provided 2 state issued IDs and a credit card and requested my account be closed. I was again told by BoA my account was red flagged, but not closed. I was told that my account needed to remain open for 90 days for investigation. Credits could still be accepted, but withdrawals and transfers could not. 

XX/XX/2023 I received a debit card in the mail from BoA. I also received a Uniform Affidavit for Identity theft, which requires me to provide copies of VERY sensitive information and still does not close my account. 

I want my account closed. It seems either BoA created this account on my behalf or someone has my social security number. Either way, I want it closed.
Product: Debt collection

MIDLAND MANAGEMENT has failed to respond to my letters..I have requested verification of this account such as contract, payment history, etc it's my belief that this account was paid off prior to collections ... .. if this is in fact my account... XXXX I was diagnosed with stage XXXX XXXX, recurrence in XXXX now stage XXXX moved to XXXX if my recollection serves me correctly this account would've been paid off due to the uncertainty of things and me not wanting to leave any unpaid debt for my daughters... this collection has caused me so much anxiety, grief, time and embarrassment
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX of this year, I reached out to Transunion regarding inquiries that were listed on my report that I did not authorize, nor did the company who accessed my report have a permissible purpose to do so. Transunion did not remove the specific inquiries that I brought to their attention and continues to report each one after my dispute. Transunion has not provided any proof of my authorization of anything and willfully neglects their responsibility to ensure that they are maintaining accuracy in reporting my credit information. Transunion is in full violation of FCRA law 604 ( a ) ( 3 ) and 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so bewildered about this situation. I've submitted this complaint 2 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXXI XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The questionnaire did not cover my concern. 

I have a private loan with XXXXMohela . That loan was by a fraudulent college and fully discharged by the federal government borrower defense. 

What are my options to dispute my private loan? I was once with navient but had to refinance due to high interest rates. 

How does the holder rule apply?
Product: Bank account or service

My husband and I, who were separated at the time, were expecting a XX/XX/XXXX tax refund check of {$XXXX}. My husband received the check in the mail, which was addressed to XXXX XXXX ( myself ) and XXXX XXXX ( husband ) on XX/XX/XXXX, took it to Wells Fargo bank in XXXX, CA, and deposited it into his independent account. Above my husband 's XXXX ethics in this situation, the bank violated national regulations since it deposited the check without my signature. Wells Fargo even violated their own policy that stipulates that XXXX payees be physically present to sign when the check is cashed. The bank 's response was that they were sorry, but they could not stop the check and that I should call the IRS to have the check stopped. I was unable to get through to the IRS to stop the check.
Product: Credit card or prepaid card

This response is regarding the {$1100.00} Invoice No. XXXX Invoice Date : XX/XX/2022 totaling {$1100.00} from XXXX XXXX. This invoice from XXXX XXXX was received for the first time on XX/XX/2022 despite services rendered five months or more earlier. There was never an invoice from XXXX XXXX prior to this date and there is no support for the charges on this invoice. An initial payment was made on XX/XX/2022 for {$650.00} for delivery and weight up to three tons and a second payment was made on XX/XX/2022 for {$740.00} for weight overage charges. It was the customers understanding that these charges totaling {$1400.00} were payment in full and the account was settled. Subsequently, and with no prior notice or discussion, and no invoice, a third charge was received on XX/XX/2022 for an additional {$850.00} which was disputed. Now Invoice XXXX has been received for an additional {$1100.00} requesting another {$650.00} dumpster rental and for three dry run charges at {$150.00} each totaling {$450.00}. According to XXXX XXXX own XXXX XXXX XXXX run charges are {$50.00} and XXXX  are {$470.00}. We have paid {$650.00} for a {$470.00} dumpster rental already. Please continue this dispute. At this point we do not trust any documentation provided by XXXX XXXX. XXXX XXXX appears to be creating increased invoices as time passes. Enclosed is a copy of XXXX XXXX XXXX Rules reflecting {$470.00} for a rolloff and {$50.00} for a dry run. As a reflection of the dumpster market, typically, a 20 yard dumpster 's average cost is approximately {$450.00}. Because the dumpster was in XXXX the {$470.00} was approved. Chase is not been willing to help. i mailed 2 certified letters to XXXX XXXX without any success. chase don't even bother reading the letters. unacceptable. I'm a great Chase client. also, any dumpster anywhere is not more than {$650.00}. we paid already XXXX XXXX  {$1400.00} ... .for one dumpster ... one trip ... outrageous and fraudulent that they want another $ XXXX.scammers!!!!
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX, XXXX and Equifax regarding inaccurate reporting of my student loans. It reports I have XXXX in student loans when I only have XXXX through XXXX. My account was transferred from XXXX once I refinanced. It then closed but some how the credit company reopened and started reporting. Ive disputed this multiple times even within my bankruptcy. They continue to report a balance from XXXX. I spoke with XXXX today XX/XX/year> and they confirmed I am inactive in their system, my debt was transferred when I refinanced and they are not reporting any information on me to any credit bureaus. 


XXXX and XXXX is also reporting late /missed payments on my credit report that was filed and disputed in bankruptcy which is effecting my credit rating.