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

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX. XXXX, XXXX ( Original Creditor : XXXXXXXX ) XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022.
Product: Student loan

Loan originated XX/XX/XXXX. Original loan amount was {$14000.00}. Original interest rate was 4.75 %. Payment was {$110.00} for 15 years. On XX/XX/XXXX the interest rate was lowered to 3.75 %. The payment was never changed and continued to be {$110.00}. The online statement shows a balance of {$4600.00}. The online statement shows a payoff date 0f XX/XX/XXXX. All third party calculations show a payoff date of XX/XX/XXXX. 
On XX/XX/XXXX I contacted Navient and was told they were unable to correct the online loan detail statement. The indicated the correct payment amount should be {$96.00}?? but admitted that no effort had been made to notify me of a payment reduction. Additionally, if I rely on the online statement, I would be making an additional 10 monthly payments. 
In light of the past practices of Navient, I am concerned that they will overcharge me for this loan. My request for an updated loan statement or explanation of how my payments were being applied to the principal were denied.
Product: Credit card or prepaid card

The credit card account with Navy Federal is closed and has been closed for some years now. But they are still reporting on my credit report saying Im behind in payments even though the account has been closed by them. They recently reported this and hurt my credit score tremendously and also hurt my score when they closed the account. I need this information removed immediately, from all credit bureaus. If they still wanted me to pay on the account why did they close it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, XXXX is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for Experian, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX XXXX XXXX This is not mine.
Product: Credit card

I purchased a mattress at Macy 's for {$1100.00} on XXXX XXXX, XXXX. I returned the mattress and was due a credit of {$910.00} because of the restocking fee. On XXXX XXXX, XXXX, I received an email that my credit had been issued in the amount of {$910.00}, but yet it did not appear online or on my monthly statement. I called to ask about why my credit had not yet appeared online or on my statement and was told this could take up to 3 months to appear. When I received my statement with the closing date of XXXX XXXX, XXXX, I was in complete surprise to see that the credit I had made numerous phone calls about in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had not yet been applied to my account. However, a charge in the amount of {$910.00} was now showing on XXXX XXXX, XXXX for a purchase at the XXXX XXXX store, which is 2 hours from my home, and therefore my credit card statement had almost doubled. I did not authorize a charge in this amount on XXXX XXXX, XXXX. I assumed this was a mistake and that some how the credit I was supposed to have received had been charged by accident. I then started making several calls to Macy and explained these circumstances over and over and no one was able to help me. Finally, after having spoken to XXXX+ people from Macy 's furniture, Macy 's credit, and Macy 's customer service, and getting bounced back and forth with no one able to do anything to fix my account, I submitted a claim online to dispute a charge and submitted the paperwork on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I then received a credit to my account for {$910.00}. However, this did not fix the problem that I was in fact billed on XXXX XXXX, XXXX the {$910.00}. The fact remains that someone charged my account {$910.00} on XXXX XXXX, XXXX without my authorization for merchandise that I do not have. I have been calling Macy 's and spoken to their fraud, credit, furniture, and customer service departments and have gotten no where. I get passed back and forth between these departments and no one can resolve this issue and they all point fingers at each other. At this point in time, my balance has been accumulating interest and late fees, which I refuse to pay. Macy 's is destroying my credit score and I do n't know how to escalate this higher within their organization. I have copies of the paperwork and emails that I can provide as backup to you if needed. Please help me in resolving this issue. It will be a year next month since the original purchase and I am so upset about what they are doing to my credit because no one that I speak to ( including managers ) have any authority to do anything. Today I received a letter in the mail that says that Macy 's believed they have resolved my issue by issuing the credit in XXXX XXXX, but they still have not acknowledged that I was in fact double charged. Please let me know what recourse I have against them. Do I need to get a lawyer at this point? Thank you.
Product: Mortgage

XXXX offered loan modification for Cares Act/COVID-19 Forbearance at the time I applied. At the end of the forbearance, I resumed monthly mortgage payments, per BoAs direction, while the modification agreement was prepared. The deferred mortgage payments totaled approcimtely $ XXXX. When I received the modification, I mailed in the signed forms, with USPS tracking. XXXX claimed to have lost the modification forms. I provided delivery receipts for the signed modifications. XXXX directed I continue mortgage payments while new modifications were being processed. I continued to make all monthly mortgage payments. BoA then sent me a XXXX XXXX  XXXX. After some discussion with BoA, I signed and mailed in the second mod. Again, XXXX claimed they did not receive the forms. 

XXXX then transferred the mortgage to a secondary lender, Carringtons Mortgage Services. I contacted CMS, provided CMS the history of the attempted modification agreements with BoA, and my history on continuous mortgage payments following end of the covid-19 forbearance period. CMS accepted one monthly mortgage payment and confirmed they would research my history with the BoA. CMS then stopped accepting mortgage payments and initiated default on XX/XX/2023. The default lists fees, interest, and expense in excess of $ XXXX.
Product: Checking or savings account

I had an Cashapp Account that was closed an at finish thought it was a mistake XXXX the message came up I figured maybe I can call them an tell them it had must been a mistake but I had no numbers to call so I can make the claim for my funds but I had no luck with it I dont have access to my old email address an number I had with the account cause I had took screenshots just in case I did get a chance to show proof I ended up having to sell my phone to get funds to feed my family I didnt know about being able to file a complaint I till recently so I was just trying to let you guys know what Ive been dealing with
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX. XXXX XXXX, Account # XXXX Date opened XX/XX/XXXX Bal. {$240.00}, XXXX  XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$240.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$140.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

While in forbearance and applying for a loan reduction, XXXX XXXX sent negative remarks to XXXX  for non payment of accumulated interest.
Product: Debt collection

I am writing this letter to open a claim in regards to Southwest Credit Inc. I have initially received a letter regarding an alleged debt from this company in XXXX XXXX XXXX. I responded in XXXX and XXXX via Certified Receipt Return Request letter to dispute to alleged debt. Under the the FCRA as a furnisher of information said information that is reported in my credit file should be accurate and without malice to destroy my financial wellness. I asked for Southwest as a furnisher of data produce a contact pursuant to the FCRA. Under the FDCPA this company has failed upon multiple attempts to provide information within a timely matter, just submitting copies of a bill of phone numbers that do not belong to me really question the validity of this debt. Especially since I am a XXXX  customer during the time of the statements with a different phone number and I remain a customer with XXXX  since XXXX. This account is frivolous and I demand information of this account because I have had a valid account with this company and continue to have an open active account. Why would XXXX  allow me to have a duplicate account? I am looking forward to Southwest producing items other then a billing statement to prove that the account is mine. The validity according to the FDCPA is disputed as the amount of debt and the original creditor with address is not provide/within the statement submitted to me on XXXX.

 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt 
collector shall, unless the following information is contained 
in the initial communication or the consumer has paid the 
debt, send the consumer a written notice containing
(1) the amount of the debt; 
(2) the name of the creditor to whom the debt is owed; 
(3) a statement that unless the consumer, within thirty days 
after receipt of the notice, disputes the validity of the 
debt, or any portion thereof, the debt will be assumed 
to be valid by the debt collector;
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is refusing to remove inquiries I did NOT authorize. Although I may have accounts with some of these companies I did NOT authorize inquiries on the dates that are shown on my report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX XXXX XXXXXXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on may XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX Fl. I talked to XXXX and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized
Product: Debt collection

This debt does not belong to me but to a family member with a similar name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  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

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being opened or made in my name. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately. 
XXXX Accounts : XXXX. XXXX XXXX XXXXXXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$3800.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$920.00} XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

I deposited large sums of money daily and they was charging and taking unnecessary fees and charges even double charging me on certain fees never reimbursed any of the fees or charges the account was opened with Wells Fargo in 2014
Product: Checking or savings account

Linking external account with XXXXXXXX XXXX ran into problems both are on Plaid platform but Marcus would not let me add XXXXXXXX XXXX  account with instant verify another issue I want my phone call pulled from today as the supervisor have no knowledgeable about same day ACH transfers by Marcus...
Product: Debt collection

This complaint is for both XXXX XXXX and XXXX XXXX XXXX. They are BOTH reporting the same debt, which to my knowledge is a violation of law to have the same debt reported twice. By the way, XXXX is psycho, and I actually have a FEW complaints regarding them, not just one : debt collection communication practices/tactics, filing a judgment without serving, collecting on an unverified, false account, refusal to provide original documentation. I found out that these XXXX   filed a judgment against me and never even served me papers ; in fact, the XXXX  sent it to an address that isn't even mine! They dismissed the case when they saw that I started disputing the account with the 3 major bureaus. To even have a DISMISSED judgment in my public record is extremely frustrating and has caused distress, making me wonder if my information had been stolen. I've provided a copy of the online county database record of this judgment. I am prepared to sue THEM -- BOTH for damages. Did they provide the signed original documentation that I requested -- and that's required under the FCRA to provide to consumers? No ; instead, they AND XXXX XXXX XXXX continued to falsely report the truly unverified, invalidated account ( s ) as " verified '', " accurate '', and " valid '' without providing a shred of signed proof! Again, as I've said in my very recent complaints on the 3 bureaus ( XXXX, XXXX, and XXXX ), they are all complicit in this matter. I am absolutely disgusted that these companies continue to get away with just throwing out 'yep, it's verified ' to these bureaus and they're like 'okay, great, thanks! ' without even seeing ( themselves ) or providing to ME a shred of original, signed proof! First off, I've never even signed a contractual agreement with them. They know this -- and that all they can possibly provide are some fake bills that aren't even mine ( if they even have THAT ) -- which is why in SEVEN ( 7 ) MONTHS they haven't given me what they're REQUIRED to under the FCRA. It is extremely important to my person and identity as a consumer to make sure that what is reporting in my credit files has been truly, PROPERLY verified & validated. I DEMAND that XXXX XXXX and XXXX XXXX XXXX  provide a signed original consumer contract / original instrument of indebtedness ( with my actual, wet signature ) in its original form ; if they do not, then I demand that these accounts be IMMEDIATELY DELETED from my credit reports. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. It is a crying shame that it takes upwards of 7 months of pleading to get what you're owed as a consumer. Companies like this hide behind the bureaus and assume that most of us will just give up on trying any further to dispute and request required info.