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

On Wednesday, XX/XX/XXXX, I requested and review my annual credit report and noticed a discrepancy with the reporting of one the accounts listed on my profile. 

My Perkins loan through EDUSRV / Heartland ECSI did not show the accurate balance and account standing. The last updated date stated on the report for this account was XXXX  when this account has been active & received monthly payments till this date XX/XX/XXXX. There is almost 2 years worth of data missing from this report which should show active & current payments to the account with the reduced remaining account balance. 

I request to have this inaccurate information reviewed & rectified to show current account standing & balance.
Product: Debt collection

I have several collection company 's on my credit report and some of the debts are repeated depths but they have constantly called me and have threatened my credit record which has now taken affect, I have explained to these company 's that I don't have income to pay these medical bills and at the time I had these medical services I was married to a man whom did not carry or file with his insurance company. I feel its only fair that these company 's take action towards the person I was married to and living with at the time these services took place. I am also asking that they remove themselves from my credit report for that is making it where I am not able to fix my credit score. One last thing is I ask that the collection companies do not contact me regarding these matters for I have given more information to whom they can go after for that I feel is or should be help responsible
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I am writing to file a formal complaint against Affirm Inc regarding a collections account ( Account XXXX XXXX ) that appears on my credit report. I believe that the handling of this account by Affirm Inc violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.
Product: Debt collection

Received XXXX call so far before XXXX. XXXX of them were before XXXX.
Product: Credit reporting, credit repair services, 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 XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On, or about, XXXX, I mailed, uploaded and called both XXXX and Experian about an account on my consumer report that were unverified and invalidated with the intent to get the accounts deleted based on these findings. Both XXXX and Experian then replied back to me, XXXX via letter and Experian via online app, that the account was indeed verified and updated. However, there are inaccuracies in the reports as noted in my uploaded pics of the " updated '' account in my consumer profile. I am aware of the rights granted to me by the FCRA, specifically 15 USC 1681a which speaks on the duty of the consumer reporting agencies to report accurate information. This account is not accurate in multiple ways as shown in my uploaded documents. Please see attached files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Account # XXXX XXXX XXXX XXXX for {$37000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Checking or savings account

I had an identity theft XX/XX/2020 and my social security card and my ID were sold however I'm not sure if this was the case I lost my job and I lost everything due to that and due to XXXX. I had my purse my bank everything all my information stolen by someone they sold information but I got a settlement after being tonight unemployment and it was a XXXX settlement in the US Bank and I was also getting reoccurring payments every week I had to keep reordering cards and I was telling them that there was XXXX police reports that charges were not being made by me I don't know what these places were delivering to a different address they sent me dispute and then they never responded or they wouldn't send disputes. They never sent a resolution letter I would ask to talk to a supervisor and they would put me on hold they had a fraud department I tried to talk to them I couldn't even get the police to investigate and I had improved like my ID was changed to somebody else 's name and password they wouldn't let me I still to this they don't have a change back I haven't heard back from my last dispute they never sent me a resolution letter from 4 or 5 months ago nobody will call me back and this happened I don't even know how long the first is because I filed was well well over a year or two ago I just want my money back he was honest about what was that on my behalf I kept telling him to switch account numbers my card did not have a chip in it I tried to talk to the Iowa Workforce Development Center I was putting the money into my mind nobody would do anything nobody would return any money I did not get any provisional credits I didn't get any credits it was just closed but it's still open I just don't have anything in it they never they never responded to a dispute nothing I gave up for a little bit just trying here and there one month or so I had ended up losing everything and it was very a kind of set me back a lot it's not so much about the money it's when I had my identity theft through a different bank they said my dispute was fraudulent closed my account and didn't even give me my savings that was in there XXXX XXXX but the bank that I'm having a problem with right now because I also had another account with her child support which was also US Bank ReliaCard and they will not return the funds for that either.
Product: Checking or savings account

On XX/XX/2019 Ally Bank closed my online savings account and without my authorization withdrew {$39000.00} from my account. I was notified that my account was closed when I tried to transfer funds into another Bank Account and that Bank advised me that my Ally Bank Account was closed. I went online and viewed my account and discovered that there was a withdrawal of {$29000.00} posted on XX/XX/2019. I called Ally Bank and was told that the account was closed and they would mail a check to me for {$29000.00}. I advised Ally Bank that I did not want a check with that large of an amount mailed to me and that I would want that either the account be reopened and the money deposited back into the account or for the money to be transferred to my other bank. I was advised that the representative would " send a message to do that for me. '' I did not hear anything and called back and spoke to a Supervisor, who would only identify himself as XXXX. He advised me that since I did not authorize the withdrawal he would send a message to the " Executive Resolution Office '' and they would possibly reopen the account and stop the check from being mailed. XXXX advised that I would hear from the " Executive Resolution Office '' Not hearing from the " Executive Resolution Office '' I called back on XX/XX/2019 and spoke to a Supervisor who would only identify himself as XXXX. I advised XXXX that I wanted to speak directly to someone in the " Executive Resolution Office '' XXXX advised that he tried to contact them to ask if they would speak to me, but he could not get anyone to answer his call. XXXX advised me that the check was already mailed. 

It should be noted that on XX/XX/2019 I called Ally Bank and spoke to a representative and advised him that I was going to transfer the funds in my account to another bank. I advised him that when I transferred all the funds out of the account I would then close the account. I advised him that the reason I was calling was to find out what would happen to any interest that would be due me on the account once I closed it. He advised that they could mail it to me. I stated that " they could mail the interest to me because it would be a small amount. '' I never authorized the withdrawal of the {$29000.00} and for that amount to me sent to me by mail. 

These funds were to be a gift to my daughter for a home closing and that is why they were being transferred to another account. By mailing the check this has delayed my ability to give my daughter the funds in time for her closing which has caused a major problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate accounts on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

1. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System XXXX : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I want to formally file a complaint for the misuse and discrepancies that have been reported to my financial institution involving Zelle. My claims were not investigated properly. I was informed that I would not be able to recover funds that were lost and it was impossible to track them. I do not feel I was protected when using Zelle which means I do not feel protected by my banking institution who offers this service. This has left me feeling that scams are more prone to occur and raises serious concern for the protection of my assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020, I lost my XXXX card. Immediately, I reported it lost. A XXXX representative said he would cancel the card and another would arrive in a week. About a week later, I discovered I could not access my online account to see unauthorized charges. A message stated I no longer had an account with XXXX and was given a number to call. The number was to XXXX XXXX, who had no information about me. 
I was locked out of my account and I had no way to contact XXXX. That when I went on their XXXX account and was able to get a number to speak with a representative. 
The representative again canceled my card and issued another. He could not explain why my online account was locked or why I notifications said I was no longer a customer. 

It's now over three weeks and I have not received a new card. Today, my credit report showed my credit score dropped XXXX points because of XXXX. According to Equifax, my credit score decreased XXXX points because a XXXX balance increase of {$180.00} and the account number changed. This is the second time XXXX reported false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below XXXX now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.
Product: Mortgage

My mortgage payment was changed due to what they believed to be an escrow issue. I pay my property taxes out of pocket each year. Roundpoint mortgage raised my mortgage payment to cover this " escrow issue. '' I called them as soon as I got may statement and spoke to them. They did not know what was going on and told me not to pay my mortgage until it was resolved and they would call me back. 90 days ( approx ) later I called back since I had not heard anything. They still did not know what was going on, I paid my mortgage ( the higher amount ). I continued to pay the higher amount after continuously calling in to see what was going on. In the meantime, they reported a delinquency to the credit agencies which ultimately lowered my credit score and cost me a deal on a rental property I was bidding on and a potential higher rate on an auto loan at the end of the month after my lease is up. This is after they told me they did not report it to the agency that they just sent me a letter. These calls are all recorded from my understanding. I have never had anything like this happen to me. My credit prior to this was XXXX-XXXX  and it lowered my score to XXXX-XXXX. I have never been delinquent on my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I lost my job and began the divorce process. I fell behind in mortgage payments with XXXX XXXX. In XXXX I started the process of a short sale and had a buyer. Somehow the foreclosure occurred and XXXX XXXX transferred the loan to XXXX. In XXXX I was contacted by Dyck ONeal and was told I was responsible for $ XXXX because of the foreclosure. They offered to settle for $ XXXX over 60 months. I typically made payments on time, faced other financial hardships but ultimately paid it off. I have about 40 late payments on my credit report just because of this. Because of PMI I may not have been financially responsible for the $ XXXX but I paid anyway.
Product: Mortgage

complaint to the compan Search Records NON ACTIVE BUSINESS OPERATING WITHOUT ARTICLES OF INCORPORATIONS Foreign Profit Corporation XXXX XXXX , XXXX . Status INACTIVE Filing Information Document Number XXXX FEI/EIN Number XXXX Filing Information Document Number XXXX FEI/EIN Number XXXX Date Filed XX/XX/XXXX State VA Status INACTIVE Last Event WITHDRAWAL Event Date Filed XX/XX/XXXX Event Effective Date NONE Principal Address XXXX XXXX XXXX. 
XXXX, VA XXXX Changed : XX/XX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, GA XXXX Cancellation.Whenever the amount of money due on any mortgage shall be fully paid, the mortgagee or assignee shall within 60 days thereafter cancel the same in the manner provided by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The reason for taking the time to write this is in hopes of getting to someone that can help me respectfully and to the best of their ability. I have been calling Experians dispute center for the past week already. today is XX/XX/XXXX. todays call was the worst. I am currently trying to get a mortgage on a house. my lender lady informed me she was unable to pull a preapproval for me due to an inaccurate reporting of a charge off i had back in XXXX. My lender has been doing this for a LONG time and has never seen this type of situation as i am having now. Her and her team of credit experts and credit repair people had advised me to call the  person reporting my bad credit to get the date fixed on the DATE LAST ACTIVE because on my credit she said it looked as though it just happen rather than it being charged off years ago. i called they said theyd send a letter to the middle man and get that fixed.. well my mortgage lady suggested i also call the credit bureaus and make sure they corrected that as well. she then told me that the only one reporting it wrong was experian that XXXX was reporting the date last active as the date it got charged off. well i called experian twice and they were unable to help me. I am terrible with words and do not like conflict. My mortgage lady then got furious that experian was being no help at all. she offered to do a conference meeting with experian and myself so she may speak in my behalf. Well that call was today XX/XX/XXXX at around XXXX i forgot the guys name but he was rude towards the end when we asked to speak with a manager. he insisted that his answer was correct instead of just letting us speak with his manager to let us verify and make sure, he kept arguying and responding back rudely until finally he said " ill get you the manager theyre just going to tell you the same thing i just did '' he put us on hold for what felt like a good 10 minutes just to hang up on us afterward. what kind of customer service is this? i cant believe this is the way we were treated.
Product: Credit reporting or other personal consumer reports

Improper use of credit file, I have no knowledge or any contract agreement with LVNV Funding LLC and has requested verification of this account. 

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to logged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transitions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

I saw this on my credit report. I asked what it was via email, and was referred to a phone number. This phone number never was able to give me a live person to validate the payment, interest rate, or payment arrangement if I was unable to pay. The email referred me there and no resolution occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, keeps doing inqiries on my credit report with out my concent the dates are XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I never give my SSN to any company unless it is for a credit apllication. 
So how did they get my SSN?
Product: Credit reporting or other personal consumer reports

Experian failed to complete an investigation that would have them interview loved ones and neighbors and people who have first hand knowledge of the transactions being reported, and I am the only one who has first hand knowledge of any transaction between me and another party. And I did not verify or validate this fraudulent account to be reported to my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complain against XXXX for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions my also contravene the Consumer Financial Protection Act, ( CFPA ), 12 U.S.C 5356 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX