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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy, rules of construction, accuracy and confidentiality under 15 USC 1681. They stated my accounts were verified. How can that be if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate. Enclosed is a copy of my report still showing inaccuracies. 

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. 

15 U.S.C 1681a Rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXXXXXX XXXX XXXX acct XXXX # XXXX XXXXXXXX XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting them numerous time and told them this account does not belong to me, all they do is give me an address to mail a dispute letter and never get a response. this is negatively effecting my account, as i am trying buy a house and this is only negative account on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over several inquiries on my TransUnion credit report. I have sent letters and disputed over the phone. These inquiries are unauthorized and I want them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( hotel and travel ) XXXX XXXX Credit Union- Charge off This information is incorrect and I have requested countless times this XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX of the XXXX estate have been seeking for immediate action and fiduciary trusteeship of TRANSUNION do to the naccurate information reporting on my credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. Transunion has failed to properly remedy and investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX All the information reported on my XXXX is not my information I believe that someone is using my identity with different information
Product: Debt collection

I received a letter dated XXXX/XXXX/XXXX titled " Litigation Notice '' stating I owe XXXX for a debt and if I do n't pay I would have a judgement filed against me with additional fees and 10 % interest. I called today XXXX/XXXX/XXXX and was informed that the paperwork was already turned into the court and they were filing aggressively since I owned property. I asked if I could have a detail of the charges sent to me and was told NO I would receive a copy when I appeared in court. I informed him it was my legal right to know the charges and he informed me that I was wrong and I would receive them in court. The only information he provided was it was for an old XXXX XXXX XXXX XXXX Credit card that was written off XXXX XXXX in the amount of XXXX. I stated the legal state of limitations in XXXX is 4 years, and he told me that did n't matter. I asked how long do I have to research this and get back with you and was told I have until this Friday! I stated I have never received anything by mail from your company, do you have records showing where I ignored previous attempts to resolve the matter as the letter stated, and he could not provide any dates correspondence was sent. This letter is threatening to garnish my wages, levy my Bank Account, place a lien on my property and suspend my driver 's license. It does not reference any breakdown of the charges or company that I originally owe the debt to. In doing research, I can not find the company the letter was sent under " XXXX '' XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX when I google the address it shows a grocery store. It also states that I will have to pay P & L Acquisitions a 10 % interest as well, and when I google them I found all the false claims other consumers have made against this alleged company and I do not feel safe providing my personal information to a company that can not provide me any documentation showing they own this debt and the breakdown of the charges I owe. Also the person that signed the letter was XXXX XXXX and he states he is a legal Administrator but I can not find any credentials on him as well. Please advise me on how to proceed.
Product: Debt collection

My Identity was stollen since year XXXX. I didn't realize until almost the middle of year XXXX. I wrote letters in XXXX XXXX to the creditors, and I was able to dispute and cleared most of them by phone except XXXX of many from Home Depot ( Citi Bank ) Someone opened a few credit cards for Home Depot using my personal information. My original Home depot credit card ending number was XXXX and it was paid off on XX/XX/XXXX. These are the ones that the thief opened in my name for HomeDepot Ending numbers of accounts for Home Depot # XXXX. was disputed and cleared # XXXX was disputed and cleared # XXXX Citi Bank took me to court, I tried to dispute this by phone but they couldn't verify my identity by phone, so I was served by the court. I have a trial in XXXXXXXX XXXX XXXXXXXX. If you can refer me to someone that can represent me in court that will be great because I don't have the funds to pay. I also filed an identity report # XXXX and also have a letter ( XX/XX/XXXX ) from a Probation Department XXXX XXXX ( XXXX XXXX ) saying that I was a victim of financial loss, and they convicted and sentenced the person for this. 
My complained is against CitiBank because they refused to verify my identity and they let someone else used and opened new credit cards on my name. I'm XXXX XXXX XXXX and I still have a parttime job because my SS it is not enough to support me. I have been in a lot of stress and this affecting my health. 
Attorney that are in involved in my court case from Citti Bank are, My case # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Student loan

I have been calling numerous times ( about once every couple of weeks for the past 6 months ) to have FedLoan Servicing fill out a voucher and send back the voucher mailed to them by XXXX so that my XXXX XXXX Award can be sent to pay my student loan. It has now been one year since the request was first sent to FedLoan Servicing by XXXX, and I have not been able to get FedLoan Servicing to send the appropriate completed voucher to XXXX to get my student loan payment made by XXXX. XXXX said today they now had to cancel my award since there has not been any action on the account within the past 90 days. This is a loss of {$450.00} that FedLoan Servicing has caused as they have continued not to fill out the voucher that XXXX sent them to fill out. I have spoken to several Supervisors at FedLoan Servicing and no change has happened. They have a record of all my calls and interactions and so does XXXX. Please someone help me. I did service for XXXX when I was in graduate school to help pay off my student loans and now FedLoan Servicing has made me lose my money award. Please help me. I ca n't afford this loss. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed multiple late payments where my student loans should have been on deferment. I 've resubmitted it multiple times and finally had them remove the remarks and disputes due to trying to get an fha home loan. Still the disputes took WAY longer than 30 days, some of them were still open from 3 years ago. They repeatedly advised me of dates my deferments would end but started reporting those dates as late with XXXX XXXX XXXX. I 'm actively paying the loans now as deferment is no linger required but it has decimated my credit report by the tune of 51 late payments. I should have none for two reasons. One, it took more than 30 days to complete the disputes and two, my loans should have been on deferment anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Credit Report, I noticed that there are accounts that are completely unknown to me. As I further researched my Credit Report, I realized that these accounts are fraudulently reporting on my Credit File. Right now, Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}. I have read that that under the FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Brief history : I purchased a car on XXXX. I had an issue in XX/XX/XXXX and dropped off two payment at the office on XXXX XXXX in XXXX. It was not recorded until XXXX. Reporting that I was late with XXXX payment. At that time I requested DUE DATE CHANGE. Didn't really have and issues until XXXX. XXXX happened to MY ENTIRE. My father and sister passed away in XXXX. When I called to make arrangement I was told that my account was very delinquent. I explained I don't know how that is possible when I pay more than is required. I told that my payments were late every month. I explained that I requested a payment due date change years ago. I was doing everything in my power to take care of the situation to no avail. In XXXX my account was closed and charged off. The amount stated due at that time was {$3500.00}. I was attempting to pay it months later and I realized that it had increased as of XXXX {$3900.00}. So from XX/XX/XXXX- XX/XX/XXXX it increased {$370.00}. I didn't have the extra {$370.00}. So, over time it continued to increase. During this time I never received anything about what was owed. I had requested documentation many times over the years to no avail ( I did get letters saying they were charging me for no Insurance though ) So I stopped asking as it was increasing stress causing physical health issues/ XXXX to flare. All the while working on coming up with the payoff so I can get the Title to the car. 

Current issue : On XXXX I checked my credit report it has currently a balance of {$4500.00} reported on XXXX I contacted Lobel to make the payment in the amount of {$4500.00}. It hasn't been a month since they reported that amount of {$4500.00} and I was told that I owe {$5300.00} that it increased {$830.00} in less than a month AND THAT THE ACCOUNT WAS NOT CLOSED OR CHARGED OFF. I was told that I had to pay that amount in full. And my car was in repo status. I was trying to pay the {$4500.00} even though I was charged fees that I didn't know about as I had most often paid more than amount due in efforts to pay it off early. From XX/XX/XXXX to XX/XX/XXXX IT INCREASED BY {$340.00}. Then in less then a month it increased {$830.00}. I will attached evidence of documentation from credit report that have no identifying information and can provide the copy with identifying information if required ( ALSO HAVE AUDIO OF CALLS from XXXX and XXXX where I tried to make the payment of {$4500.00}. I have other calls documented but it will take some time to locate them. Speaking with XXXX XXXX on XXXX I was told that it is not supposed to increase after it's been charged off and closed when I was attempting to locate documentation of the increases. I also have the recording from that call as well. ) Which is why I was trying to pay the {$4500.00} that reported on my credit. I definitely feel there is fraud happening here.
Product: Checking or savings account

On XX/XX/2021, I logged into my checking account to XX/XX/XXXX cash to my boyfriend ; to my surprise my account showed I was negative {$130.00}. Upon completion of my account review I seen were Wells Fargo Bank ( my banking institution ) took out my account without any prior knowledge not one but two withdrawals the first in the amount of {$690.00} and then a second withdrawal in the amount of {$310.00} a total amount of {$1000.00}, documenting the account negative stimulus credit reversal. Now Ive never contacted Wells Fargo Bank asking or requesting for any type of credit to be applied to my account. Any and every fee charged to my account I have paid never not once have I asked for any such credit. I have never been made aware Wells Fargo was making credits to my account nor have I ever given permission for them to do so without my knowledge is wrong. Furthermore, for them to not only go into my account and take all my money to leave my account negative with out any notification is ridiculous. Ive never been so angry, frustrated, and violated in my life. I entrusted this banking institution with my money for them to not give me option of what I would like to have done is ludicrous. When I contacted the back to inquire what happen and to request my money be returned, I was greeted by the most rudest agents, who told me I requested the credit to my account and they took the money back, I quickly responded requesting proof, knowing they would not be able to provide that proof, I was told corespondents was mailed to my home, and I can show Ive never received that correspondence, prior to the money being removed from my account.
Product: Mortgage

I have filed several complaints with the CFPB regarding who owns my Mortgage and therefore who has the right to foreclose. Please see Case number : XXXX, Case number : XXXX, Case number : XXXX regarding my previous complaints on this matter. On XXXX/XXXX/2015 I received another letter from Nationstar Mortgage. The letter states that Nationstar may be moving forward with foreclosing on my property. The letter also states " The Foreclosure will be conducted in the name of : XXXX XXXX, XXXX XXXX, AS SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE TO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX ( " Noteholder '' ). This seems like another contradiction to the information previously submitted to me by Nationstar.
Product: Money transfer, virtual currency, or money service

Coinbase has " temporarily disabled '' my account for over a month. After several times of contacting support via their support request, no response has been given by them.
Product: Checking or savings account

To Whom It May Concern, I filed a fraudulent charge through my Wells Fargo Checking account. 

I called Wells Fargo circa XX/XX/2023 about the fraudulent charge which occurred XX/XX/2023. 

The fraudulent charge was through, Merchant, XXXX XXXX, for, {$1400.00}. 

I didnt authorize the charge and informed Wells Fargo of this circa XX/XX/2023. 
I was never credited for this charge and my account has been closed. 

I hope to file a complaint to rightfully receive credit/funds for {$1400.00}. 

I was unable to resolve this charge earlier, due to my medical conditions as a military veteran worsening.
Product: Debt collection

I have notifed portfolio recovery that I am not liable for a Balance of {$3900.00} that is being reported to XXXX, XXXX, and XXXX. portfolio recovery has failed to provide Validation of the debt, that proves that I have a signed contract with them. I notified them that I have exempt funds in the form or Social security Benefits and XXXX Veteran Benefits. Continuing to harasses and make attempts to collect this debt are against the law. I demand that portfolio recovery discontinue collection efforts and delete all accounts that are being reported to XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I had a bill payer set to be paid from my suntrust checking account on XXXX/XXXX/2015 for {$940.00} to Suntrust Mortgage, {$180.00} for XXXX XXXX, {$50.00} to the XXXX XXXX XXXX. I XXXX my bill payer service on XXXX/XXXX/2015 ( 3 days in advance of these payments being sent ). Suntrust still pulled the {$940.00} from my account and then charged me {$36.00} NSF fees for the other XXXX items after there no longer funds in the account to cover them ( these were canceled in advance of the XXXX XXXX date as well ). As a result I accumulated {$570.00} in NSF fees from debits that occurred during the processing of these previously XXXX billpayers in addition to the {$940.00} that should never have been pulled from my account.
Product: Credit reporting or other personal consumer reports

Ive disputed these inquiries with the major 3 bureaus as well as the company, the months of XXXX and XXXX. To provide me with - A description of the procedures used in your investigation - Original documentation regarding this inquiry - All records pertaining to actual inquiry to prove validity XXXXhysical Proof of the application authorizing the disclosure of credit files with my signature. If not please delete these as they adversely affecting my credit report and is impeding my ability to obtain necessary credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has reported to all three credit reporting agencies that I had exceeded my credit limit, overspent ( maxed out XXXX my card specifically on a {$2000.00} credit limit and that I had a high balance of {$2200.00} from XX/XX/XXXX to XX/XX/XXXX. I called in XX/XX/XXXX and an XXXX XXXX XXXX  account executive confirmed the info was false. I was told regardless to file a dispute with the credit reporting agencies which I did. The decision came back from XXXX XXXX XXXX  XXXX stating the info was accurate and would remain on my record. 
The credit reports clearly in the boxes report every balance I had during that period, the highest I have ever been was {$1900.00}. I called XXXX XXXX and spoke to account executive again and she also reported I never had the high balance being reported and in fact had never maxed out my card and confirmed the highest balance I had during the specified period was {$1900.00}. I disputed it with all 3 credit reporting agencies. XXXX  returned a decision to me stating XXXX XXXX would not change this discrepancy. I was then told by XXXX XXXX to file a formal report with them, sending them a letter outlining the specifics of my complaint and producing all statements from this time frame and they would look at my claim and return a verdict in 60 days XXXX after already waiting for 60 days with formal disputes with the three agencies would should have easily remedied this ). The evidence they need is directly on my report, their own staff report this is a false claim on my record. XXXX  tells me there is nothing they can do my dispute was sent in and XXXX XXXX has declined to intervene on a clearly inaccurate reporting of my history. Why is their a dispute process with the agencies if the company can disregard the complaint despite clear evidence and support to the contrary. I have been told that as long as this dispute is on my record I can not move forward with refinance of my home. I have now waited longer than 60 days and am being asked to go through a process again despite clear irrefutable evidence on my own credit report articulated month by month for every time frame within the reporting period.