23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted  by Vance & Huffman abou t a year ago about I debt I owed to a company name  XXXX   XXXX   XXXX  to Own. I told the representative on the line that the debt was n't mine because I have never lease anything from this company. I asked the representative when did the debt occur, what date, what was the product, and what address was the product delivered to. He had no answers. After calling a few more time the call from the collection agency ceased. On  XXXX   XXXX ,    2017, Vance & Huffman  attached this collection to my credit report despite me denying I owe this debt. I have received absolutely no communication via mail. Not even an account number so I can request a letter of validation.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED T0 LEARN I HAVE BEEN A VICTIME OF THE IDENITY THEFT. I FOUND NUMEROUS FRAUDULENTA CLSED ACCOUNTS AND COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS BEEN HURTING ME SINCE I AM IN THE PROCCESS BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE ALL THIS CLOSED FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSIBLE. XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS NUMBER XXXX, BALANCE {$890.00}, XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNT NUMBER XXXX, BALANCE {$1800.00}. XXXX XXXX XXXX Original creditor : XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX, BALANCE {$2300.00}. ALSO I AM ATTACHING MY ID, SOCIAL SECURITY, UTILITY BILL AND IDENITY THEFT REPORT. 

THANK YOU IN ADVANCE.
Product: Student loan

I applied for school misconduct discharge with Navient the servicer of my student loans obtained while attending the fraudulent school The XXXX XXXX XXXX XXXX XXXX XXXX XXXX I included personal testimony as well as several forms of evidence of wrong doing including federal cases against the school. I was denied relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information reporting as my addresses and name on my credit report, I like to have removed as soon as possible. I am attaching my driver license for verification of identity. My name is only spelled XXXX way so the only name that should be in my report is ; XXXX XXXX and the only address that should be on my report is ; XXXX XXXX XXXX XXXX, Georgia XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter off on XX/XX/, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I also have the tracking number stating that I mailed these letter disputes as well for someone to sign for. 

According to FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or with who may have knowledge concerning any such items of information. 

They stated these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurately and according to the FCRA 15 USC 1681 everything has to be in order for the account to be considered 100 % accurate. 

Accounts listed here : XXXX XXXX XXXX XXXX {$1000.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$870.00} opened XXXX XXXX XXXX XXXX XXXX {$820.00} opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently working for the XXXX in XXXX since XXXX. I recently pulled my credit report and saw that there was a 120 late notification of a charge card that I never applied for on XX/XX/XXXX. The amount was approx {$360.00}. I called the company XXXX and notified them that I never applied for this card and it is fraud. I asked where the physical card was delivered. They gave me an address in TN. An address that I haven't lived in for over 5 years. I currently live in XXXX and have been here since XXXX. I am working over here as a civilian but for the XXXX and can attach my orders if necessary. XXXX stated they will cancel the card and will investigate, and someone will reach out to me for further details. No one reached out to me. I filed a dispute with all 3 reporting agencies. Experian investigation was finished a few weeks later, stating the card belonged to me, but they removed all the late blemishes. Dispute report number XXXX The biggest thing to me is NOT the late blemishes, is that a card that I legitimately did not apply for or use is in my name and will be on my credit report for the next 7 years. 

That tradeline is still on my credit report. Experian recently removed a hard inquiry due to my name being in some recent fraud/breach - report number. XXXX. Removing a trade line that doesn't have any negative remarks shouldn't be such a hurdle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have stated it in the docs back and forth between us and in a page entitled " current problem ''
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 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 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 which 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
Product: Credit reporting or other personal consumer reports

I was shocked when I saw incorrect accounts on my credit report tonight, and I have no clue how they got there. I check my credit report regularly, and this time, these errors just appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but the wrong accounts remained. I'm really frustrated, and I just want the documents I've submitted to be thoroughly reviewed so I can stop worrying about this.
Product: Checking or savings account

On XX/XX/XXXX I had XXXX missed phone calls from Wells Fargo, as I was with my own business clients. I also received a text concerning possible fraudulent charges from my business checking account. 

I did answer the next chance I could, the agent then text me a 6 digit code to confirm my identity as this is what happens with Wells Fargo. The agent the proceeded to ask me if I recognized charges on my account, and I didn't. 
The agent then proceeded to start fraud claims on these fraudulent charges, and gave me 7 reference numbers related to these charges. After talking about a couple of these charges, the agent again sent me verification codes, 2 more times. 
I've been through these calls with Wells Fargo before, it was a script I've heard before, it seemed very legit. 

The agent continued to tell me that there had been a wire transfer started for {$500.00}, but he was able to stop it, but there was also a transfer for {$24000.00} that had been completed, but Wells Fargo would reimburse me the next business day. 

I was on the phone with this agent for about 30 minutes, but within roughly 14 minutes my username and password had been changed, someone had signed me up for Wire transfers, added a recipient, and had transferred {$24000.00} out of my account, all while on the phone with who appeared to be a Wells Fargo agent. I was scammed.. 

This person seemed to be a legit Wells Fargo employee, he knew the complete script like he still worked for Wells Fargo, or had been a past employee, as no one should know this script, unless they've worked with Wells Fargo 's fraud department. Either on the Wells Fargo side, or on the consumer side. 

Another suspicious thing, I just had a large deposit post to my account the day prior for {$51000.00}. It seemed like someone knew I was a good target.. 

I have been through 2 departments with Wells Fargo, and the only response to all of this is " we are so sorry, we couldn't get your funds back, and your claim is denied. '' I've had debit card numbers skimmed before, and my funds have been covered by Wells Fargo. I don't know why this instance is any different, and no one I've spoken to has had any other info for me. 

As far as me questioning that it was a current or past Wells Fargo employee, no answers were given there either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX collections, and Hawkeye adjustment are violating my rights under the no surprise act of 2022. 

I have medical bills that out of network provider is attempting to charge me with out my authorization.
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 conifidentiality under 15 usc 1681. 
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. I look at my Experian on XX/XX/XXXX and XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report it Shall follow reasonable procedures to assure maximum possibles accuracy of the information concerning the individual about whom the report relates according to 15 usc 168 ( e ) ( b ). And according to 15 usc 1681 i5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) generally after any reinvestiaition under paragraph ( I ) of any in formation dispute 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- ( 1 ) promptly deleted from the file of the consumer. And according to 15usc 1685-2 they are suppose to not furnish any information reporting agency if the person knows or
Product: Mortgage

XX/XX/2021 * {$85000.00} was transferred by wire to my mortgage company and listed as unapplied funds XX/XX/2021 *i contacted mr. cooper and was told the funds would be applied in 2-3 days and posted as of the XXXX XX/XX/2021 *i contacted mr. cooper again about the unapplied funds and was told it was not enough to pay off my mortgage. i explained again i was not trying to pay off my mortgage, it was to be applied to the principle. i was informed it would post in 3 days and be applied as of the XXXX of XXXX XX/XX/2021 *i called mr. cooper and spoke with an agent who told me the funds would go through within 24 hours. i informed her i was already told twice that this would happen and did not want to end the call until i knew it was resolved. 
*i was transferred to escalations who informed me they wired my money back to my bank account because it was not enough to pay off the loan. i explained yet again it was not a payoff and that it was to be applied to principle. then i was told they wouldn't accept it because it was more than 90 % of the payoff amount. there is nothing in my mortgage, nothing on their website, nothing on my monthly statement indicating this 'policy '. no one that i communicated with before or after the wire transfer stated this policy. i asked about the wire transfer fees, the interest accruing since the XXXX, and was told these were all my responsibility and there was nothing they could do. 
*i called my bank and they have no record of the wire and let me know it should be there by the XXXX of XXXX. at that point my money will have been tied up for 3 weeks. it will take another 4 days for it to be sent back to the mtg. company. in the mean time, i am incurring interest on {$85000.00} of my loan that i should not be accruing at $ XXXX a day. 
*i called mr. cooper back and filed a complaint and was told i should speak with a manager *i called mr. cooper again and asked for a manager. i was sent to escalations for the 3rd time. i reiterated that i wanted to speak to a manager. i was on hold multiple times throughout this over 30 minute call. still no manager. still unresolved. 

all i want are the wire fees to be refunded and balance to be applied to the principle as of XX/XX/2021 when they were originally received.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting that I owe an alleged debt in reference to account # ending in ( XXXX ). I am requesting that American Express provide verification of this alleged debt proving that I owe the company. Let 's be clear American Express hasn't loaned me anything and neither have I borrowed anything from American Express. The Truth In Lending Act never defines the terms loan or borrower. So why is your company stating that you loaned me money, or I borrowed money. I conditionally accept American Express claim of this alleged debt under the following conditions. Please provide me with a certified accounting ledger notarized and sworn to under the penalty of perjury to attest to the fact that American Express loaned me money, or I borrowed money from the company. Need I remind American Express that federal law ( 15 U.S. Code 1602 - Definitions and rules of construction ) defines a credit card as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. American Express should also provide me with some sort of statutory authority.
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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 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 which 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.
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX  bankruptcy in XXXX. The XXXX XXXX with XXXX bank was included in the bankruptcy. The Bankruptcy has been discharged. XXXX XXXX still reports the account as open with a XXXX balance. I disputed the account with TransUnion recently, an investigation was completed and XXXX XXXX replied that they investigated and there is no change to the account status.
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 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 which 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple draft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where the transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive, unfair and untrustworthy.
Product: Debt collection

Multiple accounts open from same vender when I have stated that I have not ever opened the account. Have tried to dispute but collector will not listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching back out to you guys because they are a few items that are still on my credit that are not mine. Some items were removed however there are still things on my credit that are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed, XXXX XXXX, XXXX AND XXXX. There are also a couple of items that are on my report that dont even have a name just an account number. ( Equifax XXXX and XXXX )
Product: Checking or savings account

After refusing to assist me multiple open issues ( Agents threatening me, fraudulent charges, unknown deposits ) US Bank closed my accoutn in lieu of resolving the open issues.