23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I discovered there had been fraudulent charges using my prior employers medical insurance that was still open in my name. On XX/XX/XXXX I filed a police report. Each of the entities involved has been contacted and provided with a police report and I have gone through the process of disputing each item on my credit reports. 

Even now, XX/XX/XXXX, I am getting items showing up on my XXXX credit report from NATIONWIDE RECOVERY SYSTEMS with a XX/XX/XXXX charge originating from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries consist of XXXX XXXX on XXXX, XXXX XXXX XXXX onXXXX, XXXX XXXX XXXX on XXXX on XXXX, XXXX XXXX on XXXX, XXXXXXXX XXXX on XXXX. 
These inquiries have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all inquiries activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX, Social Security Number XXXX Consumer Date of Birth : XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the 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. This have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned, hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX .Thank u for your assistance.
Product: Student loan

I was in school full time from XXXX XXXX until I graduated from XXXX XXXX in XXXX of XXXX. During this time my loans were in deferment. Upon graduation I was informed that I have 6 months to not have to make payments. I filed for IBR payments in XXXX XXXX and have made all required payments on time, without fail, since then. Upon looking at my credit report this year, somehow my account with ACS is delinquent from XXXX XXXX XXXX, but then goes current again starting in XXXX XXXX and has been since. Somehow, in less than a month after graduation, I am 60 days late on a student loan within my 6 month grace period. 

I 've contacted ACS several times about this. I 've let them know that I have several other student loans and NONE of them have reported any late payments, ever. They have been completely unhelpful with this situation and are completely unwilling to help me out with this error on their behalf.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed a dispute with chime for {$2500.00} due to someone making an unauthorized person to person transfer from my account while I was away on XXXX XXXX  in XXXX because I am in the military. It is under the XXXX  XXXX code which I wasnt eligible for a temp credit because it was over 60 days even though I submitted a document from my XXXX XXXX XXXX XXXX stating that I was on XXXX before that unauthorized transaction took place. Chime told me I had to wait 45 business day which ended on XX/XX/XXXX & I still dont have no update about my claim. Now its XX/XX/XXXX & I still dont have an update. I kept being told my case is still open & we can escalate to the investigation team. I am still not getting no update about my funds & it's been passed the 45 business day mark.
Product: Debt collection

I have hard inquiries on my account and I will like for them to be remove and I also have paid my credit bill on time I try to apply for credit in store lice XXXX XXXX and something keeps not letting it go though.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several times my Social Security card and license to verify that the Social Security number that they have is incorrect. They have lost it several times. I also went online and uploaded these documents to equifax. Equifax is not trying to correct this information. I don't know how they even attached this to my credit. This incorrect information has caused me not to be able to get a loan and move forward with my life. I have tried several times talking on the phone and sending in the correct information and nothing has changed.
Product: Credit reporting or other personal consumer reports

Since 2000 I have the same credit score and same liens and judgements on my credit wrong addresses on there I have never reside in phone numbers I have never had
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX I do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was on the XXXX of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of XXXX you all are causing me. I've been in hospital twice XXXX over this. It's not fair and federal laws are being broken at this pointI.
Product: Student loan

I have tried to apply for an income based repayment plan. They are now telling me I need to apply again for the  3rd time sin ce  XXXX . They state I still have  one p ending. This has been going on for months, meanwhile they raised my payment to over {$1200.00} a month when it is supposed to be {$450.00}. This has caused me to have to forebear payments which is causing a negative amortization on those loans.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Someone needs to hold them accountable for this
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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: Credit card or prepaid card

I am the executor of my mother 's estate. She had a credit card with Truist Bank ( formerly SunTrust ) and I have been trying since XXXX to have the credit balance in the amount of {$210.00} refunded. I have tried calling the numbers on her statement and provided my qualifications papers several times but continually get transferred and passed around or no one can locate the information that i uploaded. 
I have been to my local branch multiple time. The first time a young lady assisted and told me a check would be mailed to my address. I waited over 30 days and nothing arrived! I received notifications of change of address but no overpayment check. I again went to the branch and spoke with another person in XXXX. I had to provide my paperwork all over again. This gentleman contacted the credit department and told me a check would be mailed and I would receive it by XX/XX/XXXX at the latest. I have still not received the check. When I have attempted to contact the branch person again I get not response! He has gone dark on me. This whole experience has been so aggravating and frustrating and I am at a loss as to how to get it resolved other than filing a complaint.
Product: Debt collection

I have sent over 5 dispute letters asking for validation on how to prove i owe this debt. Haven't sent no type of evidence of how this debt belongs to me. Very furious I'm trying to buy a home I would like for them to delete this off my credit because this debt is hurting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$460.00} XXXX XXXX {$470.00}
Product: Checking or savings account

I purchased a new vehicle in XXXX of this year. My auto loan is through Wells Fargo. When I tried to sign up for online access to my auto loan, I kept getting an error message and it said to contact Wells Fargo. When I contacted Wells Fargo the agent told me that there was already a checking account with my maiden name open and my XXXX was off by a day, but there was no money in the account. I explained to the agent that I haven't had a checking account until XXXX of this year. He in turn opened an identity theft case and an online fraud case at Wells Fargo. I contacted the local police department, and they told me to get more information from Wells Fargo in order for them to investigate. I called back every XXXX days for a while and was told that I had to go to XXXX, WI, which is about a half hour from where I live to provide them with a copy of my ssn card, driver 's license, and it had to be in person in order to be able to create an online account. They also told me that the checking account was closed and that their identity theft team noted that it was a fraudulent account. Long story short, I have tried since XXXX to get information for our local police department, but every time I call, I get shuffled from one department to another. I have a half dozen or more case numbers from Wells Fargo because each time I called they issued me a different case number.
Product: Mortgage

I sold my property and my closing attorney wired the full HELOC payoff amount ( $ XXXX ) to Citizens XXXX on XXXX XXXX. On XXXX XXXX ( 6 weeks later ) I received a notification that my account was delinquent. With my account seemingly payed off, I was very confused. When I called Citizens XXXX, they said my account had not been closed and I owed XXXX $ to close the account. Again, if my account was paid off and closed, this makes no sense. After a lot of back and forth with Citizens XXXX and my closing attorney ( including all XXXX of us on a call at once ), the following came to light : - Citizens XXXX received the full payoff amount on XXXX XXXX ( we have the wire transfer documentation that states that it should be a payoff applied to my account ) - On XXXX XXXX, Citizens XXXX contacted my closing attorney to get the 'authorization to close the account '. The closing attorney and Citizens XXXX went back and forth several times attempting to fax the form. They notified the closing attorney several times that it did not come through ( I too have had problems faxing to Citizens XXXX ). 
- Eventually, Citizens XXXX did not return my closing attorney 's call to state that the fax did not come through, so the closing attorney assumed it was finally received. 
- Citizens XXXX then did nothing with the wire transfer for the next 7 days, so my account still had a balance and continued to accrue interest. 
- On XXXX XXXX, Citizens XXXX finally applied the funds to my account, NOT AS A PAYOFF, but as a standard payment. 
- AND, they did not backdate the funds to XXXX XXXX when the funds were received. 
- Thus, my account accrued interest until XXXX XXXX ( and then beyond because the interest compounded. ) Now, they want me to pay XXXX $ to close my account when they had the funds, per their payoff quote, on XXXX XXXX. Additionally, the original payoff included a XXXX $ recording fee, yet Citizens XXXX is attempting to charge me another XXXX $ fee a second time. 
* I have attached XXXX the wire transfer on XXXX XXXX and the new payoff request for XXXX {$.00}
Product: Bank account or service

All Payments have been made to fifth third bank they reported me for fraud which is a lie I was giving a bad check I never withdrew the money from the bank so how is that fraud I even paid the bounce check fee I have disputed the issue and they reported me to checking account agencies which want allow me to open accounts after I paid them XXXX yes chump change and they acting like I stole XXXX dollars Filed a false claim under my name for their own personal Agendas.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX Last 4 socialXXXX RE : OPPOTUN XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/year> XX/XX/year> XX/XX/year> and accordance with the fair credit act loan company OPORTN XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- XXXX : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes. Best Regards, XXXX XXXX You have inaccuracies on my credit reports I was never 120-149 days past due thats WRONG and milacious information you are trying to mess up my credit this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

I filed a previous complaint because the company refuses to update my information to the correct pay dates and I was getting charged over draft fees. I filed a complaint before and they never got back to me or responded to me but seem to have taken down some info? They just credited my account for the overdraft fees and I received no other correspondence or information. I attempted telling them the correct days to pull out of my account to which they disregarded again. I am now being charged additional overdraft fees and they are charging a full day earlier than what they claim in the app. This is the second time I have been willfully mislead by this company.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$500.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX
Product: Debt collection

This collection company is on my credit file and I have not received a letter saying what the debt is who its from and or how to dispute it
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Account Number : Select Portfolio Servicing ( SPS ) Estate of XXXX XXXX XXXX : XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX. 

Dear Sir/Madame I wish to raise an official complaint regarding SPS appeal process of the assumption of XXXX. My account was reviewed improperly. 

Background : I requested an assumption for the above loan. The Assumption request was denied on XXXX XXXX, XXXX, based on the Estimate of the Net Present Value of the property of {$390000.00}, therefore the investors would not approve the assumption. If I disagreed, I had 30 days to appeal. On XXXX XXXX, I appealed the notice of denial based on NPV was {$250000.00}, by providing the required documents. On XXXX XXXX, XXXX, I received a letter requesting additional documentation, since property comps must be provided within a one mile radius, which was not clearly stated in the Appeal documentation required. On XXXX XXXX, XXXX I submitted the documentation for property comps within a one mile radius as requested, plus all the other documentation initially submitted on XXXX XXXX. On XXXX XXXX, I receive a notice that appeal was denied, because I did not submit the appeal within 30 days of Notice of Denial date XXXX XXXX, XXXX, which was incorrect. I submitted the appeal on XXXX XXXX. I have called SPS multiple times after receiving the letter and had the case reopen for review on XXXX XXXX, XXXX. 

So what 's the ISSUE? 

During the above process, I have called and I continue to call SPS weekly to attempt to speak with the Customer Advocacy group or someone who is handling the appeal process to discuss my appeal. No one will speak with me or call me back from the customer advocacy group. I was told by the customer service call center they would call me back. NO ONE CALLS ME BACK from the customer advocacy group. From XXXX XXXX, XXXX to XXXX, XXXX, my file has been transferred to multiple people within the advocacy group. The appeal case has been transferred to XXXX XXXX, XXXX XXXX and XXXX XXXX. As a result, my appeal is continuing after 4 months, due to improper review.
Product: Vehicle loan or lease

Late reporting during Covid XX/XX/ one late payment According to law they have violated me law states USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose
Product: Debt collection

According to Trans world system I owe XXXX XXXX for an account that was opened 5yrs ago. I have only had XXXX XXXX as an electric company for the last 2yrs. Before then I lived in XXXX and had not had to use an out sourced electric company. I called Trans world system and was hung up on when I asked what I was being charged for. I then called XXXX XXXX was was told they wouldnt give me any information and when I asked for proof that I signed an agreement or contract the representative laughed and stated that they dont need me to agree to anything in order to start charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times in regards to accounts on my credit report. I submitted a request to validate the accounts on my credit report they only submitted a letter saying that the information had been verified. They did not send any proof.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX. The bank error read the amount wrong. The atm gave me credit for XXXX or a XXXX check, Bank of America put a hold on my account until XX/XX/XXXX. The funds were withdrawn from the account at the other local bank on XX/XX/XXXX. No reason 2 local banks will need a hold that long. The Bank told me they do not have to give me a written reason or proof of when they received the funds. Sounds like they are running a scam using other people money. I tried to resolve it yet they are just rude when I ask questions.