23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023 at XXXX XXXX, I received an alert from XXXX XXXX of which I am a member, that a fraudulent account was opened in my name through Comenity Capital Bank for an XXXX XXXX XXXX Upon seeing the alert, I immediately informed XXXX that this account was not opened by me. 
About two weeks prior on XX/XX/XXXX, the first fraudulent account was opened in my name through the same bank, Comenity Capital, for a XXXX XXXX credit card. It was shut down by Comenity and XXXX the next day before any purchases were made. But it seems the same person is trying to open more accounts in my name through this same bank. 
On Friday, XX/XX/XXXX, after not hearing anything from XXXX yet, I called Comenity Capital Bank directly to inform them of the second fraud and ask them to cancel the account immediately. They proceeded to closed the account as directed and I put a freeze on my credit immediately afterwards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was not authorized to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to conduct a proper investigation and are willfully reporting inaccurate information on my credit report. I have made several attempts to get it fixed and they have repeatedly violated the FCRA. My most recent letter to them was on XX/XX/XXXX and they have not investigated because they never provided me with any results or response. I have also tried to fix this with the creditor, but they only referred me back to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my XXXX  and Experian that is past the statue of limitations yet this XXXX XXXX continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?
Product: Credit reporting, credit repair services, or other personal consumer reports

A 10-year old XXXX XXXX debt was removed from my credit report over a year ago. All of a sudden I get an alert saying it is added back on a year and a half later by IC Systems and the dates of open and close they reported are extremely misleading ( saying opened 2020 ). This would allow them to continue to attempt collections and report the debt for another 7-10years. Ive already disputed the item but this is a Violation of the Fair Credit Reporting Act as well as Fair Debt Collection Practices. This is highly unethical and lawless. I dont know what the statute of limitations is on things like this but I am considering hiring counsel. I have worked hard to clean my credit up. This could also constitute defamation of character since negative remarks such as this look as though I havent already been cleared of this. Especially when it continuously goes away only to pop back up again over a year later. 

They state it was open XX/XX/2020 and owed {$1300.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Incorrect Account Status Reporting Dear XXXX Dispute Department, I am writing to formally dispute inaccurate information reported on my credit file. Specifically, my credit report reflects an account Eastern Account System Acct # XXXX as open when it has been charged off/closed. This reporting error is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires furnishers of credit information to report accurate and complete information. You have been provided multiple opportunities to correct this error but you have failed to do so.

The incorrect reporting of this collection/charged-off account as open is misleading and negatively impacts my credit profile. According to consumer protection laws : 1. A charged-off account is considered closed and should not be reported as open, as doing so misrepresents the true status of the account. 

2. Under the FCRA, XXXX is required to ensure maximum possible accuracy in reporting credit information ( 15 U.S. Code 1681e ( b ) ).

3. Misrepresenting account status may also constitute an unfair or deceptive practice under the Consumer Financial Protection Bureau ( CFPB ) guidelines. 



I request that XXXX immediately deletes this account due to inaccurate reporting of this account for years. Please provide written confirmation of the deletion within the 15-day period mandated by the FCRA. 





If XXXX fails to correct this inaccurate reporting, I am prepared to escalate my dispute with the FTC and consider legal remedies. I appreciate your prompt attention to this matter. 



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

I've discovered that I am a victim of identity thefXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and thank you.
Product: Credit reporting or other personal consumer reports

Innovis, XXXX, & XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX there should be no other names or addresses listed on my consumer report. I have repeatedly asked that these consumer agencies update and provide a new report immediately and I have not received any information.
Product: Debt collection

I have documents from the defendant. Document number one. Document number one has a listing of the payments that are listed on the balance sheet. The total debt is XXXX . Document number 2 has replacement charges dad were done to the apartment after I had moved out I am not responsible for all the repairs that happened to the apartment after I left I was not responsible for all these repairs that they are charging with me with. To continue with cleaning charges on document number 2 or falls. Document number 3 discharge is indicate that I did not issue a 30 day move order and their charging me because they said I just moved out. That's incorrect document number 4 states that XXXX XXXX XXXX has a notice of intent to vacate. Document number 5 is the early termination of lease a contract addendum. The following other documents that I have added to this case is posted and will be sent to collection services on devadas  who is representing XXXX XXXX. I'm going to process a small claims issue on these documents that collection services of Nevada has issued to me. After I win the small claims court. I will counter sue XXXX XXXX for {$50000.00} in damages. Thank you and goodbye
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this accounst under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX, Balance : {$28000.00} XXXX OF SO XXXX XXXX, Balance : {$32000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on my credit report.
Product: Money transfer, virtual currency, or money service

Hello, I'm very disappointed to write this that " Remiltly Inc. '' App does not securely transfer money and solely rely on account number only. They do not verify first name or last name or email or phone. 

If they or I make any single mistake in writing an account number money is taken to any partner bank without any confirmation or verification process. 

There was one typo meaning one XXXX missing in an account number and still the funds went through on XXXX XXXX it was supposed to be received to my family for medical emergency since my brother was admitted to hospital but they have been giving me different answers. 
Also, I reached out to recipient XXXX XXXX- XXXX XXXX XXXX  and they checked both the wrong and right account numbers. None of the account has shows any entry from remitly or under my name for the XXXX and XXXX month. I have followed up with Remitly every week since XX/XX/XXXX and I had to file this complaint against Remitly since they are not refunding my money neither providing it to the correct recipient. 
Please see transfer details below : Remitly transfer reference number Recipient : XXXX XXXX XXXX ( my uncle ) Transfer No. : XXXX XXXX XXXX XXXX Submitted : XX/XX/2023 XXXX XXXX  EDT Reference No.XXXX XXXX XXXX XXXX Delivery : Bank Deposit Bank  : XXXX XXXX XXXX  ( XXXX ), XXXX. 

Please let me know if you need any more information. 

Thank you, Looking forward to hearing back from you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXXs, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled.

* A copy of my Identity Theft Report ( All items are not on ITR due to limited room ) * and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 4 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.
Product: Checking or savings account

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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: Credit reporting or other personal consumer reports

A total of five unauthorized inquires from three companies are on my TransUnion consumer report, I never benefited from any of these transactions between TRANSUNION and these companies and I never gave these companies my consent to pull my consumer report and add information to it. TRANSUNION never even disclosed to me that they received a request from these companies to pull my consumer report. Pulling up my nonpublicinformation without consent and adding information on top of that is identity theft XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
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 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: Mortgage

I have a mortgage with Green Tree Servicing LLC. 
In XX/XX/XXXX my house was going to be foreclosed. I was told that I needed to raise {$62000.00} to keep it. I had to sell everything I had and borrow money from friends and relatives to get that money. I was told this was going to cover everything, including attorneys fees, late fees, escrow negative balance, taxes and everything else. After I sent in the payment, they raised my mortgage payment from {$810.00} to over {$1500.00}. I was told it was raised due to escrow. I asked them why was I being charged for escrow when I had paid for it. They responded that the {$62000.00} all went to interest and there was not enough money to cover escrow. 
XX/XX/XXXX I received I letter stating that I had paid {$40000.00} in interest. I called Green Tree and asked where were the other {$22000.00} I paid in XXXX, also where did the other XXXX payments of {$1500.00} during the year of XX/XX/XXXX go to. I never received a clear response. I hired an attorney and they sent us an incomprehensible statement which did not add up to all the monies paid. We asked detailed information that stated exactly how much went to interests, how much went to fees, how much went to the principle etc. Their response was that they did not have that information available for us and that was it. My concern and plea for your help is to find out where that money went to and also why did they lie to me about the escrow. Why am I now paying over {$1500.00} a month on a mortgage that is {$90000.00}. Now I am again behind on my payments and again with the threat of loosing my house. What do I do?
Product: Mortgage

In my first complaint I told you that I did have a escrow shortage and I didn't. Freedom Mortgage stopped putting escrow payment from my house payment in escrow, XXXX, XX/XX/2021 and XXXX, XXXX XXXX.My shortage XXXX the 4 months escrow wasn't applied equals XXXX, which would cover shortage. No could see this except me so case closed. The XXXX disappeared and I had to pay it back with XXXX they sat I have another shortage of XXXX, right after i just paid everything even. The new escrow report also says payments won't to escrow for XXXX, XXXX, XXXX which equal XXXX .The XXXX would cover the XXXX, the XXXX will disappear like XXXX from last year, because I'm paying the XXXX called 2weeks ago and the lady I spoke couldn't understand because her computer said they were taken out the escrow payment and Appling it. She said she would tell them to redo escrow report. That will not make XXXX reappear in my bank account or change the fact that I had to get loans to cover my shortages caused by paying back a shortage that didn't exist in the first place.Now I've paid XXXX, XXXX, and XXXX on another shortage that doesn't exist and the money taken out of my house payment has disappeared again. NOW I MIGHT BE 100 % XXXX XXXX XXXX XXXX But stealing ain't going down like that.I Want all my money backvthaywas stolen and compensated for the harm that it has caused my already constant painful life.
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 : XXXX XXXX, XXXXXXXX XXXX XXXX  XXXXXXXX XXXX Now : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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: Vehicle loan or lease

I submitted an ACH payment to Citizens One Consumer Loan Servicing/ Citizens Bank , ( mailing address - XXXX XXXX XXXX, XXXX , RI XXXX phone number XXXX XXXX XXXX ), with the wrong account number. The bank and I acknowledged this mistake and the bank sent me a letter which states that the bank has reversed my payment. 

As of this letter and today 's date the bank has not reversed my payment of {$400.00}, I double paid to avoid other problems with the account and the bank processed my payment. 

The bank has also not responded to my phone calls or complaint letters and is ignoring my letters.
Product: Payday loan, title loan, personal loan, or advance loan

XXXXXXXX XXXX XXXX XXXX XXXX Amount taking out in my name XXXX {$5.00} Empower : cash advance & credit {$75.00}
Product: Debt collection

I have contacted Telerecovery many times informing them that this debt do not belong to me. I have sent them a letter as recent as  XXXX   XXXX ,  2017  and I still have not received a response from them. I have asked that they send me proof of this debt that shows my signature and I have not received anything from Telerecovery. I need your assistance in getting this matter resolved and this account removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously lived at My current Address is XXXX XXXX XXXX XXXX XXXX XXXX 

The following addresses I would like removed from my credit reports : Experian 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: Credit reporting or other personal consumer reports

Equifax investigated and found that my name, address and SSN had be part of there data breach.

Equifax data breach, the FTC and Equifax settled, offering affected users settlement funds and free credit monitoring. Equifax sent me a check admitting my information was compromised. 
As a credit bureau, Equifax keeps incredibly detailed consumer data about everyone, including peoples names, dates of birth, Social Security numbers, and credit card numbers. We learned that Equifax had failed to put the appropriate security measures in place to protect this information, fix known security flaws, or monitor its network for suspicious activity. Equifax had a responsibility to protect our data and it failed. Thats why the largest breach of consumer data required nothing less than the largest ever data breach settlement in history. 
The settlement with Equifax includes up to {$420.00} XXXX in restitution for customers whose personal information was compromised. I want to make sure that everyone who was affected can file a claim and get some form of restitution. You have until XXXX XXXX XXXX heres what you need to do.