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

I created this account with the intention of fixing my credit. I have been going through my report for several months and have noticed that this account has not been updated. I have never been late on this account and would like to have this corrected. I don't use the card currently and do not appreciate the negative remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts that are reporting inaccurate information on my credit report i have sent documents in such as police reports etc proving identity theft & the account still wont be removed. I even sent the docs to the original creditor no one will remove the account from my credit report. The account is XXXX XXXX XXXX is the account. The are reporting inaccurate information on my report as the account does not belong to me.!!

The other account reporting inaccurate is XXXX XXXX XXXX XXXX- This account was removed and then inaccurately placed back on to my report with out proper notice & still reporting the same inaccurate information that it was before. The account needs to be properly investigated!!!

The other is XXXX XXXX XXXX XXXX accounts i have provided documents showing that the accounts were removed from the other bureau for reporting inaccurate information. These accounts need to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my bill every month on time. Maybe a day or so late a few times but i just had my credit pulled and i see where they have shown me late every month since XX/XX/19. I did lose my job due to Corona and then i actually contracted Corona myself. When this happened i called the company in question to get relief and close the account. they said that if i paid XXXX initially and made the minimum payments due then I wouldn't have to worry about late pays on my report so i paid them the XXXX initially and then i continued to get enough money to make the minimum payments on a closed account but the late pays continued to be put on my report. I have tried to get them removed because this is not what i was told on the phone and i made the payments. The account was also closed. Please help me. Its effecting my ability to get a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again the crooked lawbreaking XXXX XXXX XXXX has once again left the last payment date off off of my credit file with XXXX and Experian, Thus violating the law and still throwing my unlawful XXXX around like its okay And they have medical in the remarks of XXXX and not the other, they have junk data hows it con a say Consumer disputes reinvestigation in progress Account previously in dispute - Now resolved by data furnisher That is redundant and its junk data! 
The furnisher hasnt resolved a XXXX thing but a bunch of violations hes gon na pay me well for, inconsistent data, it never fails. And then on the other one, it says XXXXXXXX XXXX previously in dispute - Now resolved by data furnisher lol/ I consistent, unfair! XXXX 




Hope you got your checkbook ready cause the federal complaints are being drafted now, you scored good! 

See you later?
Product: Credit reporting or other personal consumer reports

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  THESE ARE ALL FRAUD HARD INQUIRIES
Product: Student loan

I am a XXXX XXXX, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the Department of Education has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.
Product: Credit card

Back in XXXX, XXXX, i was XXXX XXXX XXXX XXXX XXXX XXXX. I wasn't getting any sleep and had XXXX XXXX XXXX XXXX XXXX XXXX  among many other health problems. I had an aide name XXXX XXXX for some time. My son remembers more than I do, as I was also taking a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I lost about three years due to all these health problems. Very long story short, My aide was apparently manipulating me into using my card as well as using it herself when I wasnt able to go to the store. After some time had passed my son asked me about the card bc he kept paying on it but couldnt see where I was getting anything with it. finally it is my understanding that a {$1000.00} charges was added to the card and so my son fired the girl but he was young and had never dealt with a card bf so he didnt know enough to contact discover and report the fraud/scam. so the years have passed and I was just made aware of this judgement this month ( XX/XX/XXXX ), no phone calls, no bills in the mail nothing to let me know that this judement was there. My son who had been looking out for me as best he could, got married and had a baby so he wasnt able to help me anymore. 13 years passed without any notice to me and Ive had the same phone number for years. I wasnt able to fight this mentally or physically but now I can. This debt was only brought to my attention after my mother tried to get a loan and my name was on her deed so they denied it bc they found this when doing a title search. Otherwise I might never have known. I contacted discover and they said that they had written it off and the file was sent to XXXX XXXX  XXXX and that they would have to get the judgement removed bc they put it on there. I have not been able to get a straight answer out of either discover or XXXXXXXX XXXX XXXX about what I supposedly owe or what steps to take to get this judgement removed.
Product: Consumer Loan

XXXX 2016 I borrowed {$200.00} from Speedycash using their online Installment Loan service. I have made several attempts to payoff the loan. Although the website publishes a way to payoff the loan at their website, my payment is not accepted. I have noticed my debit card has an incorrect expiration date so Intried to correct it but the response that is returned says the card number is already on file. I sent Speedycash an email to call me or fix the payment issue. I have received no response. I believe this is a deliberate attempt to prevent me from paying off my loan. 

I will make another attempt Friday, XXXX XXXX because another fee will be due Monday, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours, stating that the account is accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" The Heroes Act ensures that consumers are held harmless and do not suffer further damage by having late payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to to get affordable credit or even a job. '' ( Per Heroes Act ) I was affected by the XXXX XXXX which caused me to have late payments. 
According to the Heroes Act ( Section 110401 ), - suspends negative consumer credit reporting during the Covid-19 Pandemic plus an additional 120 days. 
- Prevents credit scores from being ruined during the Covid 19 Pandemic including late payments reporting on consumer credit file and report. 

I also sent a dispute letter for late payments that I was affected by during XXXX XXXX by certified mail. The delivery tracking number for Equifax is XXXX with XXXX and was delivered on XX/XX/2022. 

I also sent a dispute letter for late payments that I was affected by during XXXX XXXX by certified mail. The delivery tracking number for XXXX is XXXX with XXXX and was delivered on XX/XX/2022.
Product: Credit reporting

EXPERIAN fails to remove the XXXX account. EXPERIAN fails to verify this account. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Debt collection

Keep getting calls from Windham Professionals to collect a debt from XXXX XXXX. We have called the number XXXX as the message states to indicate we are no the party to discontinue the calls but they ignore the pleas.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and on XX/XX/2020 disputes were filed with Equifax regarding mistaken identity ( name ), and incorrect linkage to accounts. Some of the accounts not in good standing. 

I was able to contact both of the suspect lenders and they confirmed that I am not the individual they had reported to the credit agency. The lenders confirmed that the SSN and name are not a match. From one lender I have a letter indicating that I have no current or prior obligations with them. 

Several days later I received information from Equifax indicating my disputes were closed however they failed to perform a systemic review of the credit report leaving inaccuracies behind. Now they ask that I go back and generate new disputes. 

The Equifax system when login indicates that I have to call back as additional information is needed. I tried calling for days and was only able to speak with someone only on XXXX XXXX with no success regarding how to address the root cause. 

Because this mistaken identity has not appeared on the other credit reporting agencies and given the confirmation by one of the lenders I have reasons to believe that this is an internal issue of Equifax. 
This is causing tremendous stress and waste of time on my end and I am asking for investigation. 

The Equifax dispute numbers are : XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX )
Product: Credit card or prepaid card

I call the credit cards company I told them that I never open that account that somebody use my information to open the account. 

They say that I need to pay, I told them no! because somebody stole my identity.
Product: Checking or savings account

I added around XXXX XXXX dollars to a Marcus by Goldman Sachs savings account between XX/XX/XXXX and XX/XX/XXXX of 2022. 
On the evening of XX/XX/XXXX I decided I wanted to withdraw the funds to use elsewhere but I wanted to keep the account open so I withdrew all but {$100.00}. 
My account was frozen and so I called and they informed me they were closing my account. I asked them where the money would go and they stated the money would " stay with the account ''. 
I did not save a copy of the statement but I do have the email stating my statement was available. I also have the documents from the money leaving my other bank accounts and into the Marcus account.
Product: Mortgage

Effective XX/XX/XXXX my existing Key Bank mortgage loan was paid off with funds from closing on the sale of my primary residence. On XX/XX/XXXX an automatic payment was made from another Key Bank account which was not calculated in the closing, resulting in an overpayment equal to XXXX month 's mortgage payment. I contacted Key Bank 's mortgage department twice during the week of XXXX during which the following was agreed : XXXX the payoff from the closing did not include the XXXX automatic payment > the overpayment would be reimbursed > the overpayment was requested and agreed to be credited to the same Key Bank account that sourced the automatic monthly payments rather than mailing a check > the reimbursement should be issued by/before XX/XX/XXXX As of XX/XX/XXXX, the reimbursement has not been received, I again contacted Key Bank XXXX mortgage department ( XXXX ext XXXX ) was told the following : XXXX a check was being sent on XX/XX/XXXX but had not yet been sent as of XXXX XXXX XXXX  > the check was being sent to the wrong address ( address of sold residence and not new address which had been updated in my online profile ) > the check could not be cancelled and reissued for 30 days > I would not normally be informed where the check was mailed (! ) > I requested a letter informing me of the address the check was mailed to and the policies preventing any action to cancel the check and reissue it before 30 days had expired. 

There are multiple problems with the above but it also occurred to me that there XXXX not be any regulation on the timeframe of the return of overpayment in cases such as the above, or any obligation to return it at all. If this is the case, what options do I have to pursue reimbursement? While the customer service reps were pleasant and cordial, what was agreed in verbal phone discussions was not what happened, and I believe their job is to tell customers what they want to hear and then the " back office '' will stick to their procedures with no deviations tolerated. 

At this point I recognize that the money XXXX be lost and it XXXX not be documented in year-end statements by Key Bank for XXXX purposes. Several lessons learned here including the downside of automatic recurring payments pushed so hard by banks on their customers. I would like others to be informed so they know the answers to the regulation questions regarding reimbursement timeframes and the legal responsibility of banks if they exist.
Product: Credit card or prepaid card

I have signed up for a TD Bank Cash credit card on XX/XX/XXXX. They advertised a 15-month 0 % interest rate but on closer attention I now see they have in fact been charging interest on purchases within the 15-month period. 

The site does not allow me to contact the bank by secure message anymore. I called on the phone on XX/XX/XXXX and spoke to XXXX. I explained the situation and she refused to fix the issue. I have asked for a case number but she also refused to provide one.
Product: Checking or savings account

Purchased an item on XXXX XXXX from a distributor. Item turned out to be fake, which is the definition of fraud. Discover refuses to open a dispute on the grounds that item quality is not a disputable category even though sending a fake item is wrongful or criminal deception intended to result in financial or personal gain
Product: Checking or savings account

Etrade keeps restricting my account. I asked for the policy that governs this but I have yet to see it. I had to verify multiple bank accounts with invasive questions. The account was unlocked/unrestricted 4 times and then restricted again and again. When I made many transfers into the account I never had any restrictions. I withdrew my brokerage account funds in the past but the account remains open. One of my checking accounts has been attached to Etrade for years but I still had to verify the account. Its very hard to get connected to the activations team. When connected it seems they shoot from the hip as to why account is restricted and what is needed to remove the restriction. No bank should be allowed this much power over any persons account. I lost interest and fees due to Etrade restricting my account.
Product: Credit reporting or other personal consumer reports

letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on my account with all 3 bureaus last year. XXXX and XXXX had no issues placing and removing as the process is very much streamlined. 
I had to call Experian to add freeze, I was told that I would be sent a pin via mail when I asked over the phone they said they can't give me that and I have to wait for it. Never received it. 
Now I need to remove the freeze to allow a lender to pull my credit because I'm applying for a mortgage. I can't get through to a human through Experian 's phone system or web. I tried every customer service number I can find and even called a local number that I found on the web for a XXXX office. No matter what option I choose I always get sent to the automated system that asks me to mail confidential documents to a PO box . 
This is really abuse of priviledge, what authority do these people have to collect my information, charge me for not giving out my information and now they won't allow me to access that information when I need to access it. I will never ever deal with Experian to use any of their services again as I learned my lesson,
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover has known that I was a victim of identity theft, for many months. Discover instead of reporting the fraudulent application on the card they are claiming to continue to report to the credit bureaus which is fraudulent. Continues to close and create a new card number for this fraudulent account. They have done this 5 Different times now. This account is fraudulent, I do not care who they talked to. They attempted to try to dispute this account as Transnational fraud. When In fact the WHOLE ACCOUNT IS FRAUD. They called each merchant, and then lied to me. They told me they also spoke to Law Enforcement, but yet couldn't provide me with any contact details and they continually accuse me of opening the account, when I have never worked at XXXX XXXX, and I have never opened this account. I did not use this account, This was opened from an Identity Thief. Discover doesn't close the account due to identity theft instead they continually generate a new card number, and send it back to the credit bureaus. This account is fraudulent. I want this account removed from my credit reports as I did not authorize this account. You sent the card to a fraudulent address I have never lived at WHICH YOU CONFIRMED, on the phone to me that you sent the card out to a XXXX XXXX Address. That Address was blocked on my credit reports as fraudulent. I never received any card for this account. Therefore the account is fraudulent. This is not transaction fraud this is APPLICATION FRAUD. CARD FRAUD. IDENTITY THEFT. I will be getting my attorney involved if discover does not follow the proper laws to delete this fraudulent account, that I am not liable for because the bank account that was linked to it was also closed due to identity theft, and I have provided them with all this documentation including my affidavit which is attached below, and discover continues to fraudulently report this fraudulent account. They are not abiding by the FCRA Laws for Victims of Identity theft. 

Account # XXXX XXXX {$4600.00} Date Opened reported XX/XX/XXXX. Reported Closed XX/XX/XXXX with a new account number again. 5th Time they generate a new account number instead of closing the fraudulent account.
Product: Money transfer, virtual currency, or money service

Friday XX/XX/2022, Money Lion took my entire check for an my instacash repayment set for XX/XX/2022. My check comes In XXXX yet the dates of collection are the previous day, which they excuse for pulling out any amount of money that is inside of your back account to repay for instacash. I was put into debt because money lion has a predatory way of adding instacash boosts and advertising more instacash ( through notifications and such on your phone ) regardless of wether or not the person has the money. 

All of my money in my account was pulled out leaving me with barely any money in my bank account which I need for basics like transportation and such in order to earn money in the first place. This is the second time that this occurs and I am just about done, I attempted to pay a partial amount today so that this didn't occur until I was able to pay the rest of the amount but the money was just pulled out of my account with no regards or consideration for my money. I now don't even have money for my weekly expenses and I get paid biweekly! That's two weeks without any money at all because it was all pulled from my account at once. The worst part is that now I am in debt as well as my instacash did not even get paid in full and unless I pay the remainder I cant use any money at all.
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 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 has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Mortgage

On the XXXX of XX/XX/year> my loan servicing company made payment of my property taxes of {$7200.00}. On the same day ( XX/XX/year> ) they made an additional payment from MY escrow account in the amount of {$8800.00} also for property taxes but for someone else, this second amount of {$8800.00} is not mine. I have checked multiple resources to confirm this. My loan servicing company is currently closed, and I am unable to get this resolved but am doing this as a precaution as my escrow account is now in the negative by - {$6900.00}. This will affect me negatively. I only realized this when I went online to make our monthly mortgage payment yesterday XX/XX/year>, and noticed this egregious mistake. I will be contacting them tomorrow when they are open, but this obviously needs to be taken seriously, and I wanted to inform you and receive help to get it rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX and US BANK Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Again, these accounts have violated these above rights