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

recently pulled a copy of my credit reports and have noticed that some of the accounts on my reports do not belong to me. These fraudulent accounts are the result of my identity being stolen in the past and personal information being compromised. 
I was referred to create an official police report about the incident and situation to document the accounts and details. Any help I can receive will be extremely helpful as I will forward any evidence and information your department can find out to the appropriate credit bureaus and agencies. Please take note of the following accounts and information that does not belong to me and has been created fraudulently : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting an incorrect filing date on the US BKPT CT TX XXXX docket number XXXX. The correct Date Petition Filed was XX/XX/2016. ( Please see page attached from my credit report along with a copy of the filing information. ) This incorrect reporting is harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the ( 2 ) bureaus to update this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act.

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 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 agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be 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 The bureaus have no respect for the laws.

Someone needs to hold the accountable for this.The Accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After learning that my information was leaked in XXXX 's data breach I combed over my reports and found several accounts that I XXXX XXXX, did not authorize to be open nor listed on my consumer report. I have reached out to Experian, XXXX, XXXX and listed companies to inform them all that they are in violation of the FRCA in many ways. My right to privacy and having a report 100 % free of inaccuracies is a law not an option. I am tried of the credit bureaus claiming said accounts have been verified and when I ask for proof I hear back nothing. when I called and asked for proof I was told " we don't send these documents ''. This is a crime! I am a victim and If I can't resolve this issue I will have to make this a legal matter. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reported on my Experian credit report as deceased. This has happened not once, but twice. The second time was XXXX of XXXX. XXXX XXXX reported an account that belonged to my husband, who committed XXXX in XXXX of XXXX, on my report. They stated the account holder is deceased. XXXX  XXXX states they sent a withdraw to Experian. I as well have disputed the deceased status. Months later, many months ... ..there has been no resolution. I can not even get a refinance through my current mortgage holder because I am " deceased ''.
Product: Checking or savings account

Bank Of America is saying an external bank made a claim towards a transfer of money which i made in my own account that i have 100 % ownership of and thats in my name was a fraudulent transfer which was wrongful in there favor because i provided documentation proving that its my funds and its coming from my account. Theyve held my funds and my account is froze with 75 days in so far. All i want is my money this does not make any type of sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is reporting as delinquent on my credit report and I have never done business with this company.
Product: Credit reporting

Fraud alert placed on National Consumer Telecom & Utilities Exchange consumer report. 

Consumer reporting agency above refuses to send copy of report I am entitled to see as a result of fraud alert placed. 

NCTUE Disclosure ReportXXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

I am writing this to file a complaint to Navy Federal Credit Union regarding multiple overdraft fees. Despite having sufficient funds through transactions i was charged fees due to lagging posts of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite funds that were available. Its an unfair practice and would like to request an investigation into account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is in direct violation of XXXX XXXX compliance, FCRA and FDCPA.
Product: Credit card or prepaid card

I paid off my credit card to a XXXX balance on XX/XX/XXXX and XX/XX/2022. Capital one charged an interest fee on XX/XX/XXXX to an account thats had a XXXX balance since XX/XX/2022. I called on XX/XX/XXXX to dispute the charge and they would not remove it. I asked for a supervisor who also said they will not remove it. I then asked to speak to her supervisor and she said I need to hang up and call back if I wants to talk to someone else. Frustrated, I immediately hung up and called back and the female that answered hung up the phone after I notified her I want to dispute the current amount on my account which is their interest of {$9.00}. 

Absolutely terrible customer service. Thats just unacceptable to hang up and not call me back. 

I have a second account and Ive never had a company charge me interest when the account has a XXXX balance. It literally does not make sense no matter how much they explain it. How do you charge interest to a XXXX balance? How do you charge interest to an account with a XXXX balance and claim its from 2XXXX weeks ago? The entire 2+ weeks thats gone by its been XXXX balance. I can understand charging me if I still have a balance on the account but its literally been paid off for awhile now. Also my payments were all made way before the due date which is the XXXX. 

Based on how the customer service was handled today It seems they want me to stay in debt by this deceitful practice of forcing me to pay interest for something I paid off already. 


I have absolutely never had any credit card do this where they charge an interest way after the fact that the account has been paid off and Carrying a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with the Equifax Credit Bureau about the unverified account : XX/XX/XXXX -- Account Number XXXX. In those 2 Months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Checking or savings account

Bank of America restricted my account and ultimately closed it without giving an explanation. I have a balance of {$28000.00} that the bank has refused to release to me after closure of the account. The bank has no right to hold on to my funds and since they have decided to end the banking relationship, they should release my funds and we can all move on. thanks
Product: Mortgage

XX/XX/XXXX pay off my loan Wells Fargo would not except a payment unless I gave them a check by phone to be applied within 1-2 business days. I questioned if I would be charged interest daily or monthly I was informed monthly and since I was paid up until XX/XX/XXXX they would refund any over payments and interest but to go ahead and pay the extra interest for XXXX and it would be refunded since my payment would be applied during. XXXX XXXX I have asked for a complete break down of all payments, principle, interest, and extra principle and keep receiving the same break down without. 

I have had numerous issues with wells fargo not applying my payments. They will not give me a corrected 1098. If I pay 15 payments in the year I will only receive the 12 payment due to the amortization schedule. This is incorrect if I pay an amount of interest and taxes in one year XX/XX/XXXX to XX/XX/XXXX I expect my 1098 to reflex so.
Product: Debt collection

Reach out to debt collector and waited for response bearing my signature. no response Yet. 

Acct : XXXX {$810.00} & {$760.00}
Product: Payday loan, title loan, or personal loan

I got and second Debt Collection Incoming call from XXXX XXXX regarding and loan accoun. 
After I has adivised them on XX/XX/2022 that i has retained Chapter XXXX Bankrupcy Counsel from the Allmand Bankrupcy Law Firm and to direct all communication with them from the PDF Chapter XXXX Bankrupcy Counsel retainers Agreement below attached in this complaint.
Product: Mortgage

THE CLOSING ATTORNEY DID NOT SEND THE COMPLETE PAYOFF ON MY FIRST LOAN, AND NOW I HAVE TWO LOANS TO PAY as the first one is still open and short of funds to terminate it ... ( this was a refi ) THEY WILL NOT ANSWER MY CALLS ( amerisave ) OR FIX THIS ... THE CLoSING ATTORNEY XXXX XXXX XXXX XXXX ) TOLD MY MORTGAGE COMPANY THEY WOULD SEND THE CORRECTED AMOUNT TWO WEEKS AGO ... XXXX XXXX XXXX FORMER MORTGAGE COMPANY ) NEVER RECD THE FUNDS ... TODAY I WAS ON HOLD 43 MINUTES AND THEN THE CLOSING ATTORNEY ( FIRST XXXX XXXX XXXX ) HUNG UP ON ME NO ONE IS RESPONDING ... THIS IS OVER A MONTH AND THIS COULD RUIN MY CREDIT ... THE PAYOFF WAS SHORTED AND I DO NOT KNOW WHYTHEY DID THAT ... WHAT I SENT THEM WAS CORRECT AS A PAYOFF, THEY PAID 2K LESS THAN WHAT WAS DUE THIS WHOLE EXPERIENCE WITH AMERISAVE HAS BEEN A NOGHTMARE RIGHT FROM THE START EVERYTHNING IS ELECTRONIC BUT THEY DONT ANSWER THE PHONE TO CLEAR UP ISSUES SO YOUR LEFT IN THE DARK OVER MOST THINGS ... NOW THIS, AND I DONT HAVE ENOUGH TO PAY TWO MORTGAGES AND IF I DONT MY CREDIT WILL BE RUINED I AM A SINGLE SENIOR XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MCA Management Company has a collection account under my name, with the original creditor being XXXX XXXX XXXX XXXX This is a medical account. I saw an eye doctor there. They billed my health insurance. I have disputed this information twice now citing the reason that this account should not be on my credit report, due to it being under {$500.00} and being medical debt. They have this listed as " retail '' and refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my student loans years ago. These old XXXX loans have been paid off for years and I have no new debt with them. They never used my forebearance or defferment time on their loans, even after I pleaded them to change those late payment statuses reported they would not. Now the loans are all paid in full, and they will not remove them from my credit reports ( TU, XXXX, XXXX ). Thos late payments that are nearly 8-9 years old are causing tremendous harm to me in as I try and buy a home, and qualify for other loans. The reason for denial with new financial institutions is marked as " serious delinquency '' and it is all due to these old old XXXX loans ... .That are paid!!!
Product: Debt collection

Continuous calls from them before XXXX. Got one XXXX i told her she was calling before legal time and she didnt care and got really nasty about my debt. Her response was " well its because you have an account to settle ''. So unprofessional and pushy and rude. Please reprimand this company immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is reporting multiple accounts that are closed and late payments from multiple accounts i will need this change immediate because it is hurting my funding opportunity
Product: Checking or savings account

Today XX/XX/2023 I attempted checking my savings account through online banking and needed to be authenticated. I just recently opened the account on XX/XX/2023 by online in which I was referred to open by a bank representative telling me that it would be a faster process. So I went according to her advice and opened an account which allowed me open a savings account automatically. I then on the same day deposited {$8400.00} to the bank Teller at the bank branch XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX. I was told that my account was accessible and that I would have to wait 7-10 business days to get my card. Unfortunately today XX/XX/2023 as I attempted to find out how to access my online bank account I was referred to the fraud department. The fraud department informed me that my account will be closing and that I have to wait 30-60 days to recover my money. I went to the branch and I spoke to a manager. The manager inform me that when speaking to the fraud department there is nothing they can do on their end to expedite me receiving my funds and that the fraud department is the only ones authorized to release my funds. Today as a consumer I was neglected by Citi Bank not giving me proper protocol and information concerning why they closed my account, also if whether I will be able to properly retrieve all exact funds back. I am writing this report to bring a paper trail of this attempt to retrieve my funds.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute certain items listed on my credit file as per the results of your recent investigation. I have reviewed your findings and believe there are still discrepancies that need to be addressed. Below is a summary of the items in question and my concerns : Disputed Accounts : 1. DEPARTMENT OF EDUCATION ( Multiple Accounts ) Account Status : Verified Modifications : Scheduled Payment Deferred Pay Start Date Actual Payment Account History Balance Concerns : I request clarification on how these changes affect my overall debt obligations. There are discrepancies in the accounts balance and payment status that do not align with the documentation I have. 
XXXX. XXXX XXXX XXXX Account Status : Verified Modifications : Past Due Balance Account History Concerns : The reported balance and past due amounts do not reflect the payments I have made. I would like a more thorough investigation into these inconsistencies. 
XXXXXXXX XXXX XXXX XXXX XXXX Multiple Accounts ) Account Status : Verified Verification : Reported correctly Concerns : There are unresolved issues regarding how the balance has been reported across various credit bureaus. The payment status and account history provided do not match my records. 
XXXXXXXX XXXX XXXX  Account Status : Verified Verification : Reported correctly Modifications : Scheduled Payment Account History Concerns : I would like to understand how these changes were determined, as they do not match my records. Additionally, I have already provided proof that I no longer owe this debt, yet it continues to appear on my file. Please review and provide the necessary supporting documents from the creditor. 
XXXX. XXXX XXXX XXXX XXXX  Account Status : Verified Modifications : Closed Date Scheduled Payment Account History Concerns : This account has been closed, but the reported balance and payment history are incorrect. Please provide the necessary documentation to reflect this account as closed with a zero balance. 
XXXX. XXXX XXXX XXXX Account Status : Verified Verification : Reported correctly Modifications : Closed Date Scheduled Payment High Credit Actual Payment Credit Limit Account History Concerns : There are inconsistencies in how the credit limit and payments are reported. I would like to request documentation from the creditor that confirms this information. 
XXXX. XXXX XXXX XXXX XXXX Account Status : Verified Modifications : Additional Information Concerns : Please provide more detail on the modifications made and any documents from the creditor related to this account. 
XXXX. XXXX XXXX  Status : Deleted Concerns : Although this account has been deleted, I would appreciate confirmation that it has been properly removed from all reporting systems. 
XXXX. XXXX XXXX XXXX  XXXX Status : Deleted Concerns : I request confirmation that this account has been correctly removed and that no further actions are needed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate bankruptcy information that has been reported on my credit file. The bankruptcy reported is erroneous and can not be verified through reliable sources. I have diligently contacted XXXX, XXXX, Equifax, XXXX, and XXXX to validate the bankruptcy they are reporting, and each has confirmed they received their information from the Bankruptcy Court. 

However, according to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX California, they explicitly state they do not report information to any credit reporting agency, as they lack jurisdiction over such reporting activities. This discrepancy indicates that the bankruptcy on my credit report is not valid and violates the Fair Credit Reporting Act ( FCRA ).

I am enclosing a link to the U.S. Bankruptcy Court 's statement verifying they do not report or validate any information to credit reporting agencies, as instructed by their customer service, to support my dispute. Therefore, the information on my credit reports did not originate from the U.S. Bankruptcy Court and can not be validated through legitimate sources. 

XXXX XXXX XXXX
Product: Credit card

I'm writing about a business credit card AMEX is trying to hold me. personally liable for. XXXX, XXXX to whom this card was issued elected for a private liquidation per the terms of the XXXX XXXX. There is no money left as all unsecured creditors were paid XXXX  XXXX  of their debt and we are dissolving the company shortly. 

According to the company attorney, the explanation accompanied the check. AMEX accepted the check, making the settlement binding. Legally, AMEX can not accept the settlement money and then choose to ignore that it has settled the account. AMEX had the option to reject the settlement and either discard the settlement check or return it to the liquidator. But it legally can not accept the settlement and continue to pursue collection. 

On XX/XX/XXXX, I spoke to an AMEX representative about the liquidation settlement and was asked to send documentation of it to a specific address : XXXX XXXX XXXX XXXX XXXX, TX XXXX. I sent them the requested documentation the next day XX/XX/XXXX. I was told no further action would take place until AMEX had reviewed the settlement documents. Further, I followed up with AMEX on XX/XX/XXXX at which point the representative told me AMEX was typically slow processing documents mailed that address and to be patient. 

AMEX is now threatening to send the account to collections when I have been making a good faith effort to be in communication with AMEX and sending them legal documentation - from which I have not heard back. 

First, the account should not still be open it was legally settled. But if AMEX is not convinced of this, it should not be making derogatory marks on my credit while the issue is in review- which it did. Nor should it be sending the account to collections while we are discussing the matter.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ACCOUNT # 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 REPOTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Money transfer, virtual currency, or money service

Hello, this is XXXX XXXX XXXX, currently getting involved in the lease scam. 

I got a contact from XXXX messenger and this is his profile ( 1 ). His name is XXXX XXXX XXXX, and you can find the contact info from the link ( 2 ). 
( 1 ) XXXX XXXX XXXX XXXXXXXX ( 2 ) XXXX XXXX XXXX I also attached the documents that I signed and received as a receipt. 

The reason why I thought it is a scam is because of these reasons. 
1. I called the XXXX apartment ( which they said will be the XXXX apartment, # XXXX XXXX on the XXXX floor ), and was told that they dont do the short-term lease. + They only make a contract in the leasing office, not with the XXXX XXXX office. 
2. According to the XXXX apartment, there is no contract under my name. 
3. I made payments through using XXXX Chase ( XX/XX/XXXX - {$1700.00}, XX/XX/XXXX - {$1700.00}, which is {$3400.00} in total ). It was for the deposit + one month 's rent, and I found that the recipient is XXXX XXXX ( XXXX ), which was an individual but not a leasing office. 
4. According to the receipt I received, it is only said XXXX floor but no ext unit number. 
5. I called XXXX XXXX XXXX phone number, XXXX office number, but all calls were rejected immediately. I was unable to contact them, and when I asked friends to call them, it was all same. 
6. When I went into XXXX and clicked the out links XXXX, XXXX, XXXX, I was routed to itself or to the main page of the social media, not connected to the relevant offices official page. 
7. I try to contact through the mail and XXXX I used, but they dont answer even if they read my messages. 

Due to these, I can not but consider it as a scam, and immediately called and visited Chase. 
I told them that it seems its like a scam, so I would like to cancel my payment ( pending state on my check account, but already money is out ). I was told that they cant cancel the payment but can claim the file. But told that the result will take more than 10 business days and can not guarantee the results. 
+ I was told by Chase that it is beyond their hand and can't help me further. They suggested I report to the police. 

Will there be anything I can do further? I desperately need help to solve this problem, and I would be really glad if I can get help. 
Thanks.
Product: Credit reporting or other personal consumer reports

I don't know where this incorrect information gets on my business report I tired to dispute with Nav but I didn't get any answers
Product: Credit reporting or other personal consumer reports

Experian will not take off hard inquiries that I disputed and didn't do