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

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : XXXX. Account opened at 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 List of inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

In XXXX 2015, Capital One restricted my credit card account without any notice. I called Capital One multiple times but even their fraud agents could not open my account and see the details. I was told that my account was restricted by " XXXX '' of the legal but no other details. They said the account was completely restricted and I could not even make a payment because of the restriction. The " XXXX '' never contacted me and let me know the reasons. 
There were NO Capital One notices in any form to me to notify me that my account was restricted and for what reasons. 
Now my account was pass-due because I could not see the account details and could not make a payment because of the restriction. My credit was seriously impacted and I had credit limit decreases from other credit card companies. I lost XXXX on my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

BROCK & SCOTT , PLLC has filed a lawsuit in the court on adebt that is time-barred. Additionally, they filed a false case # in the land record.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to verify accuracy of account : XXXX 
TransUnion have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation of account name : XXXX. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. TransUnion have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. TransUnion must comply with the law by providing the requested information within the 15 days allowed.
Product: Credit card

I had 3 accounts I paid one off in full and the other 2 I had automatic payment withdrawal every month. 
I have never been late and always on time with my payments! 
All the sudden they started reducing my credit amount after every payment and this was causing my XXXX XXXX to drop every month XXXX points! 
I raised XXXX with the CEO and he is totally ignoring me and passing the buck! 
Now when I got a call I was informed they closed all my accounts in XXXX and I got no notice of this and they refused to answer me! 
So I made it aware they already destroyed my XXXX XXXX over XXXX points because of their actions and they are holding this against me as they caused my XXXX XXXX decline! I am not making anymore payments until they fix this! 
Remember they are being sued for bad banking! 
My new number XXXX
Product: Credit reporting or other personal consumer reports

I had 2 repossesions with XXXX XXXX XXXX XXXX both accounts are being reported incorrectly to the 3 credit bureaus. I would like closed dates and charged off dates verified by XXXX XXXX XXXX XXXX XXXX 
i have disputed these issues in the past and the only the thing that happens is they update the closed or charged off date to the current month and year of when they receive my complaint. How is this legal! 
last payment on both of these accounts was XXXX XXXX XXXX and charged off in XXXX they are reporting charged off dates of XX/XX/XXXX.
Product: Credit card or prepaid card

I had a prepaid card with netspend in which my kids and myself government benefits were loaded o to that card. I went to XXXX  and someone was accessing my account myself and the XXXX  was trying to help me get my account froze and or get I sent to the XXXX  XXXX in which those calls I made in XXXX  was on a recorded line I even asked for a special code word to be put on and they did but someone someone was still access mu money and info changing things so I couldn't even access my card when I went loosed everything my house was broken in everything gone or stolen. Fast forward once I got out which was in XX/XX/XXXX I went in XX/XX/XXXX they reimbursed like XXXX but said it was my fault that my money was stolen I even provided a police report and the report from the XXXX  showing when I went in and got out. I asked for them to pull the recordings they wouldn't they denied my claim twice then refused me service and said that I can't no longer have an account and couldn't never get one and that all my account info is closed .today XX/XX/XXXX I made contact denied and they wouldn't transfer me to a supervisor and kept disconnecting the line. Please help me recover my funds and take action against netspend
Product: Bank account or service

I paid off the entire balance owed to Bank Of America for an account that was closed in 2013. They agreed to remove the fraud notice off of XXXX once I paid it. I waited a month and it still was not off of my record. I disputed it with XXXX and they would not remove it after an additional month saying that Bank Of America said they did n't agree to remove the alert, even though I paid the balance. This is not true, and I would like it removed from my XXXX record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and other credit agencies did not delete a debt reported by Monterey Collections of appx {$2000.00} in XXXX XXXX from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. I personally paid almost {$50000.00} to XXXX but in XXXX  legally transferred my interest which had been sold to XXXX, but which ceased to have any value whatsoever. 

Every effort of XXXX to XXXX was disputed as was every attempt at collection by Monterey. Neither entity submitted proof that the debt was valid. I also contested with XXXX, and they only verified that the debt was valid. They did so only by reviewing information from Monterey as XXXX no longer exists. The owner of XXXX is apparently in XXXX for XXXX and it is my belief that Monterey is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.
Product: Student loan

XX/XX/XXXX I received a letter from my employer XXXX in XXXX, TN that I had an order for a wage garnishment for an unpaid student loan. I received a letter from the U.S. Department of Education that I owed in full payments on student loans for the University of XXXX. The only student loans that I had with the University of XXXX had already been paid off in full as of XXXX. XXXX XXXX XXXX Federal Direct Loans was the program and my loan servicer was XXXX as listed on the .gov chart website for the Federal Direct Loan student loans servicers. I have provided bank records, payments made to XXXX, my account information with XXXX & the University of XXXX school records matching my payment records from XXXX. In addition to the master promissory note with XXXX XXXX XXXX Federal Direct Loans & XXXX promissory notes that the loan servicer required. The U.S. Department of Education is refusing to accept my proof that the only loans I had were through XXXX & they are refusing to accept that my loans were paid in full. They stated that I never had loans serviced with Navient even after I provided hard evidence and records from XXXX showing my student loan account history with XXXX and the school the loans were with which was the University of XXXX. The U. S. Department of Education is fighting against me saying that XXXX is not a Federal loan servicer for the XXXX XXXX XXXX program, but it clearly states that XXXX is on the .gov website. On the government free website under the loan servicer chart Navient is listed as a loan servicer. My student loans through XXXX were paid in full as of XXXX. The U.S. Department of Education then stated in a letter that my loans were transferred XX/XX/XXXX to Federal Loan Servicing the same year I finished paying the exact same loans off in full to XXXX. In order for my loans or loan information to have been transferred to XXXX XXXX database it had to come from somewhere. That somewhere originally being XXXX. The U.S. Department of Education is currently taking money out of my paycheck through wage garnishment and taking all of my tax refund money to pay towards loans that have already been paid in full. When my personal student loan information was transferred from XXXX to XXXX XXXX apparently none of the payments that were made are even being credited because again they want to state that these loans arent the same as my XXXX student loans. The only student loans and documentation of loans I had with the University of XXXX was with the servicer XXXX. I feel like I am being taken advantage of and definitely abused by the federal government. Please help. I have mailed in more than enough proof that my only loans were with XXXX and that those loans were connected with the University of XXXX. The US Department of Education has provided no evidence to prove me wrong. The U.S Department of Education doesnt even understand the websites literature on who their loan servicers are according to their statements.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX to XX/XX/XXXX Amounts {$4500.00} The company said they would try to email the wire team to try to get my money back, but I feel the need to complain because they ignored my complain over phone, I told them that I have asked the costumer services more than two times and they never mentioned once about my account safety. For that, I recalled all the things about this fraud.
Product: Credit reporting or other personal consumer reports

This is my first requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to get some inquiries removed from my equifax report. I contacted Equifax they told me I would need to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

taking a overview look at my file a lot if information is invalid. ive checked all reports and I'm interested in disputing all incorrect information on my credit report with Equifax. all information needs to match an is hindering my file.
Product: Debt collection

I have been repeatedly contacted on my cellular telephone by Williams and Fudge, Inc ( XXXX XXXX ). During the initial telephone call, which was made on XXXX/XXXX/15 XXXX by XXXX XXXX, a Williams and Fudge , Inc employee, I repeatedly asked if this was a collection call and was told that this information would not be revealed. XXXX XXXX informed me that she would not provide me with any information unless I provided both my birth date and social security number. I believe this to be a FDCPA violation, as Williams and Fudge, Inc was specifically asked if they were a debt collector and refused to answer this question. I informed XXXX XXXX that I did not owe any debts and that if this call was a collection call, it was in error. I was told " this is n't going away ''. On XXXX/XXXX/15, I received a letter from Williams and Fudge , Inc alleging that I owed a debt. On XXXX/XXXX/15 XXXX, I received another phone call from Williams and Fudge, Inc. The caller hung up the call as soon as I answered. This call was recorded. I believe that these repeated contacts with me on my cellular telephone were harassing and violate the FDCPA. I do not owe any debts and will not be engaging in any further discussions with Williams and Fudge, Inc.
Product: Money transfer, virtual currency, or money service

My PayPal account has been permanently XXXX. According to XXXX rules, the funds in the account need to be retained for 180 days and then the withdrawal will be notified by email. I received the withdrawal email, but I still can not withdraw. I contacted XXXX customer service many times, but the problem has not been resolved.
Product: Debt collection

They are calling threatening me about account that I never sign for and they been reporting inaccurate information on XXXX and XXXXXXXX XXXX XXXXXXXX XXXX # XXXX
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 records 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 ITEMS. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 ; XXXX XXXXXXXX Balance XXXX {$0.00}.
Product: Checking or savings account

This could date back a few years. Im trying to get it figured out. The bank forced the closing of all my accounts and i no longer have access to any of this information. Duplicate charges, funds taken back from the bank not put back into the account. Money from apps sent to accounts i didnt know about. Atm deposits made that werent me. A safety deposit box closed out by teller claiming customer initiared. Upon closing the box by there forcing me to. I then openes a box with items i didnt place in when I opened it. I have recieved three different addresses and logos for my bank one of which doesnt staye member of fdic and the others do. i thought the bank had sold in 2008 but its name never changed. I dont know who to turn to. Please help me
Product: Credit card or prepaid card

My XXXX 's credit card was paid in full from XXXX to XXXX. i logged into my mobile app early XXXX to do some shopping and noticed that there were 2 charges on my credit card that i did NOT complete/authorize. There was 1 for {$400.00} something and another for {$16.00}. I reviewed the transactions and it said it was being delivered to someone i do not know in Virginia ( I believe that was the state ). These were FRAUD charges. I contacted Comenity to dispute these in XXXX, and i spoke to a representative that stated that he resolved the issue, and that the charges would be removed from my account. He instructed me to update my passwords which i did, and i also removed my credit card number from my mobile app. At this time in XXXX, i assumed everything was taken care of, however that was not the case. The representative took care of the {$400.00} charge, but with the {$16.00} charge, decide to only credit {$11.00}, leaving a {$5.00} balance on my account! Why?? Comenity has been contacting me daily and i have explained multiple times, that this is an error on their part, and that those charges were fraud. They have been harrassing me with multiple calls daily, and when i do answer and talk to a representative they argue with me that it was not fraud and that i need to pay it. They are refusing to help me.They are now charging me late fees and interest, so this balance is now at {$50.00} something dollars. Every time i talk to a representative i don't get anywhere! And there have been multiple times i ask for a supervisor and they " transfer '' me only to then disconnect the call. I need this to get resolved because it is affecting my credit.
Product: Credit reporting or other personal consumer reports

There is always accurate reporting of my Loan balances and Credit Card payment resulting in delayed Credit Score update on XXXX, Equifax and XXXX.
Product: Money transfer, virtual currency, or money service

2 unauthorized transactions were taken off of my chime account chime was notified and a dispute was filed. Chime later stated the dispute claim was denied and no funds would be refunded.
Product: Mortgage

SunTrust Mortgage has inaccurately calculated my escrow payments for my mortgage since my home loans was funded. They were XXXX number off when processing my tax information. This caused the wrong tax payment to be paid. 

I made multiple calls to SunTrust and was assured every thing was correct on the account until I got a letter from my tax office stating that my taxes had not been paid. SunTrust used the wrong tax information to calculate my escrow and then requested that I send a payment of over {$2500.00} to fund my escrow. 

So through out my time with SunTrust I have received multiple letters either requesting that I owe money to fund my escrow account or that I needed to pay money to fund my escrow account. 

At times I have owed over {$2500.00} and other times received a check for over {$2500.00} not XXXX but XXXX. 

I have have been hung up on, lied too, and treated like a XXXX by not only the customer service representatives but from management as well. 

Every promise made has been broken, and apparently my issue is still unresolved. 

My worst experience has been with the head of the escrow division, XXXX XXXX. She has not only lied to me throughout the process of attempting to correct my escrow balance, but she treated me with such disregard as a human being Its unbecoming of some in her position. 

Please help me ... This has cost me thousands of dollars, and SunTrust has shown ZERO empathy or willingness to make right the situation. 

We are past apologies! They need to make it right with their customer.
Product: Debt collection

I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one. Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 
Account NameXXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX XXXX {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXXXXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX Requested On : XX/XX/XXXX