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

Hello Consumer Financial Protection Bureau, The following letter is to inform the outcome of a dispute I had with Equifax which started on the telephone on XXXX XXXX 2016 and ended up being submitted by mail on the same date ; regarding a collection account still open ( XXXX and XXXX ) when the same had been closed in 2016 as notified by XXXX and XXXX in a telephone conversation. Also, the full payment to another collection agency ( XXXX XXXX and XXXX ) collecting the same debt. As it turns out, Equifax removed the XXXX and XXXX account from my credit report. However, it failed to add XXXX XXXX and XXXX with a {$0.00} balance and paid in full status. Furthermore, Equifax also had the audacity to removed a non associated account ( XXXX ) in favorable standing dropping my fico score 16 points instead of raising it. The difference between my XXXX and Equifax score is 48 points and this is disturbing. In conclusion, Im trying to improve my credit, but this stunt is hindering me. Can you please help me resolve? Thank you. XXXX XXXX 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unsure of how anyone was able to access my credit file without my knowledge. There are several items reporting that does not belong to me. These is are reporting as a result of identity theft. Please assist me in getting these items removed from my credit file Incorrect Name Reporting : XXXX ( I don't write name altogether ) ; XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that is reporting on XXXX only.
Product: Mortgage

I have had three separate issues since Wells Fargo acquired in XX/XX/2018. First, they increased the loan balance over {$1000.00} at the time my loan was acquired. This was only corrected after calling and emailing several times. Second, the escrow balance was incorrect. This was corrected once the original loan servicing company got involved and was the mistake of the original company. I only share this because it has lead to Wells Fargo 's most recent error. Wells Fargo increased my monthly payment inexplicably. It appears it is related to the amounts they have entered for taxes. Even though I have pointed out their error and how it is impossible to be the correct amount, they have refused to correct the payment amount. I believe Wells Fargo is doing this to their customers in an attempt to pocket more for the company 's benefit. The increase is just over {$30.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Didnt fix my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Transunion. On XX/XX/XXXX I received a phone call from XXXX XXXX questioning if I was attempting to open a credit card with them. I believe this was flagged by XXXX XXXX because I already have an existing account with them. I informed XXXX XXXX that was NOT me attempting to open an account and to close out the request as fraud. XXXX XXXX informed me they were going to contact the credit agencies to let them know what had occurred and that I should do the same. I contacted all three credit agencies. XXXX removed the fraudulent inquiry when I called. XXXX and Transunion requested that I send in a formal letter, with a copy of my photo ID, FTC report and a copy of my credit report. I sent in the requested information to both agencies as requested ; however, XXXX removed it with in a few business day but Transunion sent me a letter back stating the letter I sent them was not from me when in fact it was. I contacted Transunion to inform them the letter was in fact from me because that was what they requested I do and still they weren't willing to take off the fraudulent inquiry. I contact Transunion again after receiving their notice ; however, they stated they need to review the information " manually '', this is was told to me by XXXX of their supervisors named XXXX. I complied with their requests with sending in the required information and yet they still refuse to remove the fraudulent inquiry. This is my final attempt before filing a lawsuit against them for not complying to the regulations under the Fair credit Reporting Act.
Product: Debt collection

As on all XXXX of my credit bureaus Toyota motor company has filed inaccurate information on me, they refuse to remove it but under by it 's very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. XXXX FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue Toyota motor company for false inaccurate information. This needs to be done ASAP. This is a clear volition of the credit act, it was removed from all three bureaus and then placed back on again this again is a violation of the credit act as well
Product: Checking or savings account

XXXX XXXX, 2022 - A deposit was made to our Fifth Third checking account after XXXX and amount was debited the amount from an account with another bank that evening. At the deposit was made, we were not provided any notice from Fifth Third that the funds would be made available for 10 business days. Being a small business, we have limited funds and Fifth Third place us in bind by sitting on our funds for nearly two weeks. The only response they provided was that it is their policy, which was not disclosed at the time the deposit was made. Account disclosures were requested but not provided. 

XXXX XXXX, 2022 - An attempt was made to wire money to our Fifth Third checking account from an account with XXXX XXXX XXXX All of the information provided by XXXX XXXX XXXX indicated that the wire was remitted and rejected by Fifth Third. Since these funds needed 1-2 days to clear back to the XXXX XXXX XXXXXXXX account and Fifth Third was holding the XXXX XXXX deposit, our small business was forced to suspend payroll and delay vendor payments. Fifth Third indicated it had no record of the wire being rejected. We made three attempts to get clarity from Fifth Third and provided no information. 

XXXX XXXX, 2022 - We made another deposit to our Fifth Third checking account in order to pay employees and vendors. Once again, Fifth Third would not release the funds for 10 business days despite immediately debiting the other account that very same day. Unfortunately, we found this was more efficient than transitioning banks. 

XXXX XXXX, 2022 - In response to a phone call from the Fifth Third complaint department, an email was sent to this representative detailing the matters above and additional issues that arose including excessive service charges with no details on the basis of these amounts and no response from our relationship manager. 

XX/XX/2022- Fifth Third had not provided any response and another email was sent in an attempt to garner some update. As it stands, these experiences have consumed numerous hours, resulted in employees having to make arrangement to delay bill payments, cost us various fees and been an emotional burden. Through this all, Fifth Third has done nothing to rectify these matters.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I saw a listing in XXXX XXXX for a vehicle. It was listed under to account of someone that I knew from school. Her XXXX accout got hijacked in XX/XX/, she reported the hijacking but XXXX did nothing. The Hijacker stated posting listings in XXXX XXXX corresponding to that of someone who would be downsizing. I saw a listed vehicle and contacted who I had believed was the account owner but it was the hijacker. The hijacker told me that the car could be held from being sold to anyone elseupon receiving an electronic transfer deposit. I used Zelle via Bank XXXX XXXX. The hijacker indicated that Zelle payment needed to go to XXXX XXXX, XXXX. The hijacker sent me a strange response in a unknown language and at that point I knew fraud had occured. I reported the issue to Bank XXXX XXXX, Zelle and FBI Internet Fraud Center. I also contacted XXXX support about the fraud activity on a hijacked account. The hijacker reposted a new listing for the same car today. It appears that nothing is being done for this issue at any level. Zelle was non-commital on the report.
Product: Consumer Loan

CAN AFFES CHARGE US XXXX PAYMENT ON A PAYMENT OF XXXX FOR AN ACCOUNT IN COLLECTIONS AND WE ARE NO LONGER CHARGING
Product: Credit card

I applied online for a Citi Thank You Preferred Card. I was approved. This particular card gives you XXXX bonus points when you spend {$1.00} when the XXXX 3 months of use of the account. I was keeping track of my transactions, and had made roughly {$1600.00} in purchases within the XXXX TWO months. I noticed that the BONUS points were not issued to my account. I have other reward cards and usually any bonus points are rewarded soon after the threshold spending level is reached. This was not so with the Citi Thank You Preferred Card. I contacted the customer service department to get an explanation. After waiting two days for an e-mailed response, I was informed that I was NOT enrolled in the bonus point program and that " on my contract '' I was given an 18 month 0 % APR introductory offer instead. The Citi Thank You Preferred Card according to the Citi website has a 12 month 0 % introductory APR plus the XXXX BONUS point program. The 18 month offer is not even the standard issue for this particular card. Needless to say, I was not informed of the change. I feel that they used a bait and switch technique to get people to sign up for their cards. It seems like a form of fraud. Incidentally, they did say that I could contest this if they sent me any printed material which confirms the BONUS point offer was offered to me. I APPLIED ONLINE, IT 'S ON THEIR WEBSITE, It 's also mentioned on various websites that help consumers compare credit cards and help them to decide which card is best for them. I feel that people should be made aware of Citibank 's fraudulent practices in regards to their rewards program.
Product: Student loan

Hello, I am an american Citizen living and working abroad and am unable to pay my student loans due to XXXX not acepting payments from foreign accounts. I have contacted the company previously regarding repayment options and they have not given me an options, other than mailing a check to which my bank in the XXXX does not allow. It is possible to transfer money from my XXXX account to my american account but that is financially not feasible for me due to transaction fees. This on top of the interest I am paying on my loans is not possible. Companies should be encouraging students to go abroad and not punishing them for doing so. It is discrimination on the basis of finances that should not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here isthe list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4business days after the date of receipt.
Product: Debt collection

Charges were placed on my credit report stating I owed a certain amount in medical bills dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I reached out to the original provider to let them know of the inaccuracy. I have dual coverage and it seems that they were only filing it to my primary insurance only. They stated that they will refile the debt to both insurance companies. This has not been done and has since remained on my credit. I do not owe this.
Product: Debt collection

I am requesting validation, made pursuant to the fair debt collection practices act. I am requesting validation that is competent evidence bearing my signature, showing that I have or ever have some contractual obligation to pay you. 
Please be aware that any negative marks found on my credit reports from you company for a debt i don't owe and is a violation of Fair Debt Collection Act FDCPA 807 15 USC1962A. If you can not validate the debt you MUST request that all credit reporting agencies delete the entry.
Product: Mortgage

We were awarded {$100000.00} by the Nevada XXXX XXXX XXXX on XX/XX/, 2019, Quicken Loan advised us that they received the funds on XXXX XXXX, 2019 however the company still has not connected us regarding recast or how the {$100000.00} has been applied to our account, Quicken has not sent any letters stating that the foreclosure process has been stopped, we have emailed and called several times since XXXX XXXX, 2019 requesting to know what our new mortgage payment will be, on XX/XX/, 2019 we receive a letter in the mail from Quicken stating that our mortgage payment has not increased but has now increased to {$1900.00} from {$160000.00}, no explanation has been given as to how the money that we awarded has been applied to lower our monthly mortgage payment, we can no longer wait to hear from Quicken because we received a letter earlier stating that foreclosure proceedings will continue unless the past due amount on our loan is brought current, there is no way that we can pay {$1900.00} when we struggled to pay {$1600.00}, we keep calling and writing and Quicken keeps sending us letter about their Application for Success program, no told Quicken twice that we only want to move forward with the Nevada XXXX XXXX XXXX, our mortgage appears to now be on the dual track towards foreclosure.
Product: Credit reporting or other personal consumer reports

RE : Notice of currently reported injurious claim ( s ) unproven yet to be factually and physically validated true, correct, complete, timely, and certifiably metro 2 format compliant! These claims are requested check for requisites and immediately removed from reporting so to ensure lawful compliant reporting of ONLY factually true correct complete timely validated and certified allegations!

To Whom It May Concern, This letter is to serve as my formal consumer complaint that you are now currently deficient in your reporting versus my credit profile history, undoubtedly in vile deficiency of documented and physically verifiable proof of fullness of truth, correctness, completeness, timeliness, demonstrated validity of claim and certifiable compliance of reporting, even as related to but not limited to the applicable laws and standards of the FCRA and FDCPA and especially in accordances of the mandatorily perfect and complete Metro 2 format reporting standard ( s ). Let it be known that I am quite puzzled that you have elected to include the following questionable if not outright erroneously reported injurious information versus me on my current credit report :
Product: Debt collection

I recently noticed an illegally reported account on the three major credit reporting agencies including XXXX, XXXX, and transunion. 

Under the name Columbia debt recovery or Genesis debt recovery original creditor XXXX XXXX The debt collector knowingly and fraudulently reports this account to the three major credit reporting agencies without notifying me five business days as required by law.

In addition the debt collector fraudulently reports its name inaccurately and or incomplete, as a result would make it difficult to dispute this illegal and fraudulent account.
Product: Credit reporting or other personal consumer reports

i sent XXXX XXXX XXXX XXXX  certified LETTER ON XXXX, requesting deletion of the inaccurate account they are reporting on my credit, the account was charge off from XXXX XXXX XXXX  which i should have received a 1099-C, per IRS to file on my taxes as income, Income can not be reported on my credit report which constitute a violation of the FCRA.and for them to cease and desist from all mediums including credit reporting I sent SYNCBXXXX XXXX  a certified XXXX on XXXX requesting my copy of the 1099-C that was charge -off with this account so i can file it on my taxes as well. 

I ALSO SENT A LETTER TO XXXX REQUESTING DELETION OF THE INACCURATE ITEMS AS WELL
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts that XXXX, XXXX, and Experian are putting on my report, removed immediately.
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate information on my credit report. please remove account or validate debt.
Product: Mortgage

I have been trying to work with my lender and my XXXX on completing a loan modification packet but they keep saying they are not receiving or clearing documents. 

They have advised several times that a manager would call back but no answer for almost 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by XXXX XXXX because my identity was stolen on XX/XX/XXXX that FNB Omaha had accepted a fraudulent application for credit. Upon notifying them by telephone they refused to disclose any information to their fraud department because they said they could not prove it was me, but after 24 hours I received an alert that they closed my legitimate XXXX credit account and lowered my credit score in doing so even though that was not what I was told they were going to do, or not do. 

Now I have to worry that FNB Omaha has an open application for credit that was done online by a thief using my ssn, dob and full name. 

HELP! They should not be allowed to keep that account open that is FRAUDULENT.
Product: Credit card or prepaid card

I opened a checking account with Chime on XX/XX/22. 
Today ( XX/XX/22 ), I received an email saying that they shipped a Chime Credit Card to me. 
The problem is that I never applied for it. What I applied is just the checking account. They opened the credit card without my permission. 
I reached out to them and they can only close the account for me. However, this is far away from enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}, {$17000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX Credit Report, a derogatory mark is listed for " Waypoint Resource Gr - Original creditor : XXXX XXXX XXXX '' for {$100.00}. This company has been trying to collect this " debt '' from me for years. I have not had a XXXX account since XXXX ; however, this debt is listed as being opened on XX/XX/XXXX. 

When I switched internet services in XXXX from XXXX to XXXX, a final bill was sent to me and I was to return the company 's equipment. I returned the equipment to one of their locations and paid my final bill at that time. I do not even have the checking account I used to pay for this final bill anymore as I closed that a few years ago. 

I have previously had this debt removed successfully from my credit report, and now it has magically shown back up as apparently a brand new debt. The debt should not be there at all, but it should certainly not, under any circumstances, be listed as having been opened in XXXX of XXXX. That seems particularly fraudulent and as if Waypoint is trying to get around the previous removal of the debt from my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax XX/XX/2021. I spoke with XXXX. I informed him that I have made several request to obtain a description of the procedure used to verify information listed on my report. I informed him that the information provider contact information was not able to verify what Equifax verified. This prompt me to exercise my rights under FCRA 611 ( a ) ( 7 ), which I have a copy of the law attached for the company 's reference. It clearly states that they have to provide all information used to verify the account. Equifax is required to verify with the provider information and they have not done so, due to me getting different information from the provider of information listed on my report. I disputed XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, Bankruptcy Court-XXXX  and a open account XXXX XXXX XXXX. Equifax received several inquiries from requesting methods used to verify and they have yet to provide that information in which they had 15 days to do so upon my request, according to FCRA Laws which a copy of the law is included in this complaint. The agent said that the procedure of providing this to a consumer is not available. I told him I tried to verify the bankruptcy with the court listed o my report and I couldn't. I told him I told the court what was on my report and they said they did not provide that information to the credit bureau or anyone affiliated with them. He said there was nothing he can do even if it was reported wrong. He told me a third party provided the information and that information came from the court even though I kept telling him I have letter from the court that states that they did not provide the information, which I will attach and send again to the company. I inform him that my report is not complete and that they are illegally reporting unverifiable information, because they have not been in compliance by providing y request in the time allotted.