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

On or about XX/XX/2018, XX/XX/2018 and XX/XX/2018, I sent written notice to XXXX, Experian and XXXX XXXX that they were reporting 2 Bankruptcy accounts that are not mine. I asked each repository to provide where that information came from and to delete accordingly. Only XXXX provided XXXX XXXX as being where they received the information I have subsequently reached out to XXXX XXXX and the US Bankruptcy Court and was told that neither verifies any 3rd party  requests. There is no way that any repository was able to verify these accounts that are not mine as being mine since the US Bankruptcy Court does not verify this type of information to 3rd parties
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and LCI continue to report a XXXX  on my report while XXXX, XXXX and XXXX have removed it. This needs to be removed immediately from my report as it has been removed everywhere else per the attached letter from XXXX
Product: Credit reporting or other personal consumer reports

Im  submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX CT XXXX XXXX, SC XXXX ; XXXX XXXX AV XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

other XXXX XXXX is not reporting this information delete XXXX XXXX XXXX from my account XXXX EVIDENCE IS ATTACHED BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses that are being listed do not belong to me, I have never lived at any of the addresses listed on my credit reports.
Product: Credit card or prepaid card

Received my Citi Costco Visa bill noticed at least two charges by XXXX XXXX two I don't do business with. I called Citibank frauds and they said they would investigate the two charges as fraud. This was done on or about XX/XX/XXXX. I called last week XX/XX/XXXX cause the new bill charged me interest of XXXX due to them not taking the XXXX XXXX charges to the side. Citi card customer service said to call back today XX/XX/XXXX. To check on the fraud investigation, customer service female hung up on me before I could get name. Then called customer service rep. Said I just added fraud on XX/XX/XXXX, which is incorrect cause I called in XXXX and Citi frauds only put one of the three XXXX XXXX charges as fraud and credited me back, so two are left. They are incompetent and have no reference number to go back at them with, so they say we don't see any fraud complaints from you. Please help. Charging me interest on fraud and have a XXXX XXXX attitude toward corrected such fraud.
Product: Credit card or prepaid card

Hi and how are you doing? WHY IS IT TAKEN MORE THAN 60-90 DAYS THAT I HAVEN'T RECEIVED ANY RESPONSES? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and  unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> {$290.00} was sent without my knowledge. 
on XX/XX/year> {$1500.00} was sent to XXXX XXXX without my knowledge and it was tried to claim back, but it did not go through. 
on XX/XX/year> {$1300.00} was sent to someone that was not my knowledge and they did not give me the money back on XX/XX/year> {$1000.00} was sent to someone that was not my knowledge and they did not give me the money back either
Product: Checking or savings account

On a Friday XX/XX/23 afternoon at XXXX XXXX, Wellsfargo bank suddenly froze my accounts personal and business totaling {$140000.00}. I had no idea this even happened until I attempted to make a transaction for my business. Little did I know all of my accounts had been frozen for no apparent reason. After calling and going into the actual branch, no one would tell me why my accounts were frozen. I was treated like a criminal and had XXXX access to any of my money. I was told they were on a hard freeze for 2 years and I wasnt going to be told why. After talking to my attorney and multiple people with the Wellsfargo institution, I was under the impression that the FBI was after me but was assured it was Wellsfargo business decision to freeze the accounts! The amount of emotional distress this has caused my myself and family for the last week is indescribable. Having XXXX access is to my own personal money or any access to my business accounts is unforgivable. I have received no answers as to why I am being treated like a criminal and cant get any of my money. I own a car dealership and purchased {$80000.00} worth of vehicles on Friday. Those ACH payments were stopped and Wellsfargo did not let the money come out of my account. This has affected me to stop operating my business of purchasing vehicles because the auction put hold on my account so I can not run my business anymore until the vehicles are paid for which I can not do as my {$140000.00} is frozen with no answers. My business relationships are now getting tarnished because payments are not going through. Not only is the Auction upset with me many other companies that I do business with are upset because payments have not gone through. Ive had XXXX money to live off of. Ive been living on credit cards to pay for gas and food. This is absolutely unacceptable and something needs to be done! I still have had no one tell me anything not even a letter in the mail. This is completely out of line Wellsfargo has been fined for doing this years ago and theyre still ruining peoples lives!
Product: Money transfer, virtual currency, or money service

I have roughly {$1700.00} in my PayPal account balance. Since XX/XX/XXXX, I have been unable to withdraw money to my bank account, send the money to friends or family, or purchase any goods or services with the money. 

I have spoken with 4 different PayPal representatives on the phone on XX/XX/XXXX for 2 hours. Some restrictions have been lifted on my account. However, I am still unable to send my money to my bank account, send it to friends or family, or to purchase any goods or services with the money. 

I was repeatedly told that the system identified my account as " suspicious '' even though I have used that PayPal account for years and had fully verified my phone number, my SSN, my passport and my driver 's license, all of which extensively proved my identity. PayPal support refused to provide any answer on if or when I will be able to access my funds again. 

I am completely unable to use my PayPal balance in any capacity and PayPal support refuses to assist me in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not delinquent, late or past due on XXXX XXXX. 
Funds are being kept in a separtate XXXX account until XXXX XXXX is modified. 
XXXX is still reporting me as late or delinquent, but they are with holding XXXX XXXX payments into an account until further actions on XXXX XXXX modification. 
Credit reporting agencies will not investigate this matter. 

I AM PAYING XXXX XXXX! 
NEVER BEEN LATE!!
Product: Debt collection

I received bill from the debt collector, National Credit Systems, in XX/XX/XXXX. Immediately I called them to find out what the bill was and was told it was from my previous apartment. Upon reviewing the bill, I found that the bill included rent from AFTER I left the apartment and cleaning, damages, etc. I immediately disputed the debt by letter sent on XX/XX/XXXX. I kept receiving calls demanding full payment and was told that I " did not dispute '' correctly. I then sent another letter to request written explanation of how to dispute, and I sent additional proof of my contested amounts. That letter was written XX/XX/XXXX. I have not received any letter explaining the dispute process but I was reported to the credit bureaus. I called the debt collection agency on XX/XX/XXXX to ask about the status. I was told they are waiting for the original property management ( their " client '' ) to respond to my debt dispute. I asked if they had notified the credit bureaus of my dispute or just my debt. They said they had notified them of the dispute as required by law. I called XXXX  and they had the original amount of the debt reported as outstanding but NO notification of my dispute. I am also questioning whether or not the original property management actually determines the validity of my dispute - from reading online it sounds like the debt collectors actually buy the debt and then deal directly with the person owing. I don't think they are being honest about the process and certainly not honest in their dealings with me. In addition, they have reached out to my ex boyfriend about this debt and discussed it with him though he had left the apartment over a year prior to my vacating so I am unclear why that is happening. Though I am finding that the apartment did not process his removal from the lease nor the addition to the lease of my then new roommate when that happened in XX/XX/XXXX. This has lead to much of the confusion with this entire bill - unfortunately the bill was never presented to me until it ended up across the county with the debt collector. The property management company refuses to return my calls and has only communicated with me through the XXXX  XXXX  XXXX   in our state. I am at a loss on how to clear my record so that I am able to rent again when I relocate in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX   XXXX,XXXX ,  XXXX
Product: Debt collection

I closed my account XXXX. They contacted me in a letter saying that I owed more than what I thought I owed due to a machine that they said that they sent me that I never received when I attempted to close the account and pay the money that I 'm supposed to pay I was told that I can not pay that off at this time until they figure out what happened to the machine. They also told me that not to worry about it being in collections because we 're not going to allow it to happen, two days later it was at collections and I was being told that I owed not only the money that they XXXX said, but another {$200.00} added from the collection agency. I called XXXX six or seven times trying to get this fixed and get it back to them and they promised me that they were going to take care of it which they never did meanwhile the new collection agency hounded me for 3 to 4 weeks calling me almost 5 to 6 times a day I again explained to them that the mistake of XXXX and they really did n't care to hear about it all they wanted me to do is pay off their collection fee and the longer it takes more money i will owe them. I again told XXXX that I 'm not going to pay {$900.00} when I only owe them XXXX bucks I did not hear anything back from anyone until I read that this now on my credit report. I have no problem paying the amount of money I owe to XXXX I never attempted to not pay my bill they 're the ones that stop me please do whatever you can to take care of this thank you
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of XXXX  that has resulted in XXXX XXXX and effects my consumer report. As a XXXX of XXXX XXXX XXXX XXXX XXXX, you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Product: Bank account or service

Navy Federal Credit Union primarily owed me {$3700.00} and I submitted a complaint against the organization due to the fact that this amount was related to fraudulent charge made on my account. Navy Federal Credit Union attempted to resolve the issue by only issuing a refund amount of {$2100.00} from the {$3700.00} which was {$1600.00} lesser than the total amount owed to me. The total amount taken from my bank account was {$3700.00} and 15 % interest rate was being charged to me for the past three years since Navy Federal Credit Union denied any responsibility of the matter. I will not be satisfied until NFCU returns the rest of the money owed to me that amounts to : {$1600.00} plus the interest back to me. I totally understand a portion of {$2100.00} was deposited to my checking account, but it is not enough. Many other veterans and federal employees have voice their concerns about Navy Federal Credit Union greedy agenda which is manifested by putting their interest above the people they represent. I give you a break down of the money that was supposed to be given which Navy Federal Credit Union did n't give. I would like to pursue the effort to regain the rest of the money back from this organization and I will stop until it 's done. 
{$2100.00} + {$1600.00} = {$3700.00} + 15 % interest charged for the past three years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the XXXX breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Product: Debt collection

I had a debt in the amount of {$280.00} on my credit report from convergent outsourcing originating from XXXX. When I moved into my new place in XXXX I called XXXX to setup service and they informed me I had this debt and needed to take care of it. We settled for {$180.00} and they informed me the debt was satisfied and they wouldnt report it on my credit anymore. It is still being reported as of now, XX/XX/2021, after repeated calls to both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. This was attached to my dispute letter. Accounts have been updated which means they was not correct to begin with.
Product: Mortgage

Please help me. We a paid ahead on payments. When we just paid a regular payment once a month they were charging me around {$890.00} in interest. My interest rate is 3.375 % Since I started paying an extra payment they are now charging me twice for my interest. XXXX they charged me {$1600.00}. I need help. They should be applying my extra payments to the principal not penalizing me with double interest if I am paying early. This is a conventional loan. See my attachments. We were with XXXX XXXX for years and never had a single issue, SPS took over our Servicing in XXXX and they are horrible.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XX/XX/2022, and XX/XX/2022 but the bureaus did not remove them. 

Sec. XXXX I have a right to privacy XXXX XXXX XXXX XXXX XXXX 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

from- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX Dear BRIDGECREST. 

Despite my attempt to get you to remove the late fees from my record, you refuse to. 
It appears that you are all extremely ignorant about consumer law or you are willfully refusing to comply. I once again refer you to -15 u.s.code 1681 ( a ) letting you know that late payments are illegal. I as a natural person, decide what is reported and not reported on my file, according to consumer law. I am the ORIGINAL CREDITOR : ONCE AGAIN - BRIDGCREST with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

You could have just deleted the illegal and unethical late payments and I would have been satisfied. But now due to the fact that you are affecting 35 % of my credit score negatively, you leave me no choice but to sue you. 

I will send you a certified mail- for the affidavit of support and invoice for all your violations. NOTE : Keep in mind that ARBITRATION will cost you an additional $ XXXX {$12000.00} in attorney and court fees so I suggest you pay up within 10 days upon receipt, or I will proceed as planned. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX : {$5500.00}
Product: Credit card

XXXX is XXXX XXXX XXXX XXXX XXXX XXXX line. I get 30 calls in a 3 day span asking for different names. I have asked multiple times for them to remove the number as it is a business and none of these people work for the university. Then, the number of calls increases. It is maddening that I can not answer my phone because of these nuisance calls. If there are this many fraudulent accounts with Discover then maybe they should not be a credit card company. I need this number removed as it is disrupting my work in the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. 
XXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian for over 6 months, Im at wits end. This is the XXXX complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse For the record I am the person submitting this complaint. I have not hired a third party nor is anyone helping me. Please see this matter is handled with a sense of urgency.