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

To whom it may concern, I have a charge off from TD BANK USA/TARGET CREDI that is still listed on all of my credit reports.

I called several times regarding this and was told by TD BANK USA/TARGET CREDI company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( TD BANK USA/TARGET CREDI ). I would like this updated and removed from all 3 credit report agencies ( XXXX, XXXX, and XXXX  ) as they had promised.

Card Detail : TD BANK USA/TARGET CREDI Opened XX/XX/XXXX ( 6 yrs, 5 mos ) Closed XX/XX/XXXX Thank you for your time, efforts, and assistance in having this removed, I am grateful.
Product: Vehicle loan or lease

I submitted a compliant through the CFPB to Navy Federal credit union back in XX/XX/XXXX.Navy Federal credit union indicated that they are still working on my case. I was a victim of Forgery of 2nd degree violation title 11 section 861 of Delaware code of XXXX and theft of more than 50,000 in violations of title 11 section 841 of the Delaware code of XXXX. The Delaware State Attorney General office convicted XXXX XXXX XXXX defendent of the charges listed above in XX/XX/XXXX. And I am still being held liable for a loan that I never authorized to be established in my name. Case name and number for your references are as follows : State of Delaware Vs XXXX XXXX Id. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college.

They told me, it was a account that was canceled by the government.

But it is on my credit score, and it is hurting my credit score.

Claiming that I owe them. 
I made a dispute on a dispute site, and they sent the information to a credit bureau. 
Please help me with this.
Product: Debt collection

I do not have access to the dates the incident took place since it was logged in my PayPal account that has been terminated by PayPal. Approximately two years ago, I discovered fraudulent activity on my credit card. The charges were made to XXXX XXXX through my PayPal account. PayPal issued the charges to a credit card I had linked to their service. There were several small charges for less than {$1.00} ( XXXX ) and then I had larger charges following. 
I contacted XXXX about the charges and was informed I must have shared my credit card information. The gentleman then told me they would conduct an investigation and contact me with the results. I contacted XXXX once again and was informed that they could not find any fraudulence. I also wanted to know what the charges were for and that could not be answered. I was told the charges looked to be for games due to the amounts of the charges. I contacted PayPal for  a refund of my money and they issued me a refund, but after their investigation, they wanted to be refunded. I am now in collection over fraudulent charges to my account to the amount of {$230.00}. 
I am frustrated that XXXX is unable or not willing to look into who received the charged items!
Product: Debt collection

on XXXX, of XXXX  i have reach out to XXXX XXXX XXXX in reference of a account that was open fraudulently due to someone stealing my identity as well as XXXX XXXX there's also two account on my credit report that was also open fraudulently due to theft identity i reach out to XXXX XXXX XXXX several time along with XXXX XXXX XXXX XXXX due to an account that has been close for several years this account belong to my ex wife also there's two account with XXXX XXXX XXXX that doesnt belong to me due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to PHH Mortgage Consistently and in XXXX the confirmed that I owe XXXX or close to that number. Now I consistently seeit getting higher. I know there is some definete frayd here. I have to continuosly write CFPB to get changes. If I do not see a reduction in my mortgage to the correct amount I will be forced to resort to obtaining legal resources. I am upset that PHH mortgage, a subsidiary of Ocwen, has not corrected that mortgage company 's flaws. I I DEMAND my mortgage balance amount be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple disputes submitted for this fraudulent collection on Experian. It still has not been deleted. 

Experian - XXXX XXXX {$300.00}
Product: Checking or savings account

Someone set up a fake line of credit with SOFI Lending Corp. That person hacked my checking account with XXXX Bank XXXX I saw the fraudulent charges and notified XXXX. They reimbursed my account but fraudulent charges kept happening so I had XXXX close my account. 

I then discovered that my credit report was damaged. I contacted SOFI and filed a fraud complaint with them. They told me they determined it was fraudulent. I have since sent them all the info they requested so my credit could be cleared up including a police report, copy of my drivers license, etc. 

SOFI has not cleared up my credit yet. I have checked with the major credit reporting companies. I need help correcting the problem that SOFI caused by allowing someone other then me to take out an account under my identity. SOFI shows a past due on my credit report of over {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX should not be reporting duplicate Bankruptcy accounts on my credit report. ( Please see page attached. ) The Bankruptcy was previously filed as a Chapter XXXX and was discharged under Chapter XXXX. This false reporting of this account is seriously harming my credit score and both of these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 USC 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 intiated 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Company has not responded and removed inaccurate information pertaining to inquiries, charge-offs etc.
Product: Payday loan, title loan, or personal loan

Got a small installment loans. They raised their interest rates and added different fees resulting in me not being able to pay for it. This is now affecting my credit score because this is now closed and charged off in the amount of {$1100.00}. I tried contacting them multiple times to fix this issue but did not get anywhere this this company.
Product: Checking or savings account

I was in XXXX branch of capital one bank to withdraw a cash of {$500.00}, to make a purchase for my business in XXXX store near XXXX.I would have made my purchase with my debit card but unfortunately I left my card at home. As I was filling my teller for withdrawal the teller attending to me made a call through to whoever, that I have a ppp loan deposited in my account. I was called immediately from capital one fraud prevention unit by one XXXX XXXXshe gave me an email address and asked me to forward my XXXX tax return. I did sent it the same day XX/XX/XXXX. The morning of XX/XX/2021.I got an email from capital one bank stating that my account has been restricted. I have a balance of {$7700.00} in my account. I have been calling the number that was on my email, but it was never available. I went back to the XXXX branch of capital one on XXXXaround XXXXBecause I needed to know what is happening, why the bank wasn't talking to me and my account was restricted. I was given another number to call. by the teller. The number was on hold for more than 2hrs until it got cut off..I pray CFPB to intervene on this issue.
Product: Debt collection

I was contacted by mail from a their-party company by the name of XXXX XXXX  XXXX about collecting a debt for Nordstrom Credit Card Services . On my credit profile it shows under my XXXX report as account charged off by Nordstrom for the amount of {$340.00}. I sent out a letter to XXXX XXXX XXXX at the address listed on the mail and online ( same address ) about this matter. On XX/XX/year> my letter was received and picked up by XXXX XXXX XXXX  at their listed address. In this letter I included that I would like to come to a settlement option. With these terms I included that I would like to have a response within 14 days of receiving my letter. I have USPS tracking to provide proof. I sent the letter by certified mail. Please note that my offer the company is not an acknowledgement of the validity of the debt but is a goodwill effort to resolve this matter. It is their obligation under the Fair Credit Reporting Act ( 15 U.S. Code 1681s2 ) to ensure the accuracy and completeness of the information that is being furnish to credit reporting agencies. 

They have not responded to me. The USPS tracking number is XXXX
Product: Credit reporting

From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!
Product: Debt collection

, my name is XXXX XXXX, and I am reaching out regarding an issue with my XXXX credit report. There is an account listed under XXXX, affiliated with XXXXXXXX XXXX XXXXXXXX XXXX, that was fraudulently opened in my name. The original creditor, XXXXXXXX XXXX XXXXXXXX, has already disputed this account, acknowledged that it was fraudulent, and removed it from my credit report. Despite this, the account is still showing on my credit report under XXXX. I have made multiple attempts to resolve this directly with XXXX, but the issue remains unresolved. I first contacted XXXX and spoke with a supervisor named XXXX. During our conversation, I informed him that the account had been disputed and removed by the original creditor due to fraud. However, he was dismissive of the situation, stating that they would initiate another dispute. This is not acceptable, as the account should have been removed promptly after the fraud was confirmed. I also reached out to XXXX, who confirmed that XXXXXXXX XXXX XXXXXXXX had indeed removed the account after confirming it was fraudulent. Despite this, the fraudulent account remains on my credit report, negatively impacting my credit score. I need this account removed from my credit report immediately. I have already followed the proper channels, and this issue has gone on far too long without resolution. I am requesting that XXXX take immediate action and remove this fraudulent account from my credit report today. If this matter is not resolved promptly, I will have no choice but to consider legal action to ensure my rights are protected. This situation is completely unacceptable, and I expect it to be handled with urgency. Thank you for your immediate attention to this matter. Best regards, XXXX XXXX
Product: Bank account or service

Wells Fargo open a saving account without my agreement or signature since 2012 and been charging me a fee of {$10.00} every XXXX of the month.
Product: Mortgage

Loan # XXXX my loan was transferred to Rocket mortgage on XXXX from XXXX XXXX I received a statement from them on XXXX stating that my current unpaid principal balance was {$230000.00}. After I cancelled my refinance loan application on XXXX XXXX my balance is {$230000.00}. According to the loan details on the refinance disclosure, the payoff amount was $ XXXX I dont understand why my balance went up after cancellation of my refinance loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a notification that there was a change to my credit report. When I checked my notifications in my Experian profile, it stated that a collection account was added to my credit report and that XXXX XXXX flagged that account as collections for the amount of {$52.00}. I called the number listed for them that was on my credit profile on XXXX XXXX and they said they have no idea of this account and it shouldn't be on my credit profile and advised me to send in a dispute. If they didn't have any proof that this was my account then none of the Credit Bureaus should have never reported this on my credit report. This item remains on my credit profile as of today. It also looks like they are not licensed to collect in the sate of Nevada.
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 XXXX XXXX Account Number : XXXX This is not mine. 

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

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

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

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

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and on XX/XX/XXXX, MACYS/DSNB add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

barclay bank acct # XXXXcharged me for a late fee in XXXX that happen in XXXX and then they showed my account late for XXXX and XXXX.
Product: Checking or savings account

I received two notices from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, confirming acceptance of overdraft coverage on account ending in XXXX. 
At this time, I thought it was a scam. 
I received a notice from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, dated XX/XX/2022, a notice of exception holds on deposit amount of {$4600.00} account ending in XXXX. 
Once again, I thought it was a scam. 
I received a notice from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, regarding checking account ending in XXXX being overdrawn for at least 10 days with a balance of - {$47.00}. 
I still thought it was some sort of a scam. 
I received a letter from Truist Operations Center XXXX XXXX XXXX XXXX NC XXXX dated XX/XX/2022, which I got in the mail XX/XX/2022, regarding notice of closure of account. The letter stated if I had any questions to contact fraud management. I called that Monday XX/XX/2022 at about XXXX XXXX, I spoke with a woman name XXXX, and she asked me for my Social Security number, and she confirmed someone used my Social Security and Drivers License to open a checking account under my name. She said they did not have my email or the correct phone number. The bank told me they would investigate the matter and get back to me. 
I received a letter dated XX/XX/2022, which I got in the mail XX/XX/2022, regarding returned Deposited/Cashed Item Fees. 
Since this incident, I put a freeze on my credit accounts. Got XXXX to monitor my accounts, called Social Security to let them know about my situation, and to make sure someone wasnt using my Social Security number for employment. I was told it looked fine. They also advised me to get a hold of the FTC, to let them know what happened.
Product: Checking or savings account

On XX/XX/XXXX, I had a Chase Bank CD mature that I wanted to withdraw by cashier check. The person assisting me entered the withdrawal on this computer but was unable to complete the transaction and give me the cashier check or put it in my checking account due to a computer glitch. He described it as a computer outage in the middle of the transaction. He was unable to resolve the issue and told us he would call us later in the day when it was resolved. At the end of the day, he called and said it was not resolved and he would work on it the next day ( XX/XX/XXXX ). I called the branch on XX/XX/XXXX to determine if there was a resolution ( no call by the branch ). They told me that they would call later in the day to tell me the resolution ( no call ). On XX/XX/XXXX, the branch called to tell me they were escalating the problem and it would take up to 5 days for my funds to be available. They also told me the escalation team would call within 2 days of XX/XX/XXXX ( no call ). I have need for this money. There is never an expectation that a bank can not provide funds on deposit with them. There does not seem to be any concern for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, I AM NOT REQUESTING THAT YOU REVALIDATE, OR REINVESTIGATE MY DISPUTED ITEMS. 

I am submitting this compliant as you have failed to provide me with a description of the procedures you used to determine the accuracy and completeness of your investigation ( s ) of my disputed items, even though I previously requested this to you three times, in writing, in letters you received from me on ( per USPS Certified Mail tracking info ) : XX/XX/19, XX/XX/19, and XX/XX/19. 

Each time you responded by sending me another copy of my credit report, with simple notations that my items were again validated or updated. That is NOT what I was asking you to do. Again, those letters clearly included requests for you to provide me with a description of the procedures you used in your investigation of my disputed items ; which you did not include in your responses. 

YOU ARE IN VIOLATION of Section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act ( FCRA ) which states that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, AND that this must be provided to the consumer not later than 15 days after receiving a request from the consumer for that description.

Unfortunately, the time has passed for you to be compliant with this request. The disputed items must now be DELETED from my report immediately or I will be forced to take legal action.

Attached to this complaint you will find copies of the last two letters I wrote ( and referenced above ) requesting description of procedures you used to determine the accuracy and completeness of your investigation ( s ), as well as copies of the USPS Certified Mail tracking receipts for said letters.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3500.00} XXXX XX/XX/2022.
Product: Debt collection

This account with XXXX XXXX that is a fraudulent account that was opened up with out my knowledge. XXXX XXXX XXXX contact number XXXX attempted to collect on this debt of {$1100.00} and I sent documentations and regarding to police report and identity theft affidavit and this account was removed and ceased collection as of XX/XX/2020. Today XX/XX/2020 this fraudulent account was then reported back on my credit report from Enhanced Recovery Collection agency. I contacted to advised them I would like to dispute this account and they have not sent any information in regards to this debt being owed nor was it verified and this is against my consumer rights. I want this fraudulent account removed immediately due to violation of my consumer rights due to identity theft.