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

This is my follow-up 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical collection bill that opened on Experian XX/XX/XXXX. It was from the agency XXXX XXXX XXXX. On XX/XX/XXXX, the collections account was deleted from my credit report. On XX/XX/XXXX, my credit score on my Experian credit report fell 64 points because they sold my information to " XXXX XXXX  XXXX '', who then reinserted it on my credit report. I was not notified by Experian that this change would happen. According to the FCRA, " if an item is erased and is reinserted afterwards, the FCRA requires that the CRA send you a written notice of reinsertion within 5 days ''. They did not do this ; therefore, it was a violation of the FCRA. Also, I am not certain but I don't think its okay for my information from a health care facility should be sold to collections who also sell to other collection agencies since it contains Protected Health Information like my billing information which is protected under HIPAA. Please look into this for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously been disputing the way XXXX XXXX has been reporting this account to experian and XXXX the information has not been validated by credit reporting agency. I request that information be validated by the credit reporting act which is my right under section 609,611,623 at  the moment we are under litigation with lender and no out come has been resolved. Amount due, ownership of debt, and verification of obligation has not been sent or validated. I have sent certifed letters requesting a proper investigation be completed and spoken to many people in experian and XXXX I formly requested how the investigation was done, who validated, and what proof was submitting. Which in all cases my concerns were ignored. I sent 2 certified letters in which my concerns where not addressed. The information posted Report NumberXXXX on experian. Resently I sent another certifed letter and no response has yet to be acknowledged.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Per my previous CFPB Case # : XXXX In which I disputed the following accounts that are inaccurate : 1. ) XXXX XXXX - Account Number : XXXX. This

account isn't complete and is still showing as inaccurate. Also, according to 15 USC 1681s-2. I disputed this account and nothing was sent to me to legally verify this account. You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance proce dures maximum possible accuracy.
Product: Student loan

Hello, we've paid {$58000.00} on an FFELP loan that originated in 1995 for {$30000.00}. The problem is that we STILL owe {$47000.00}. Only {$11000.00} has gone to principal and we will soon have to start paying $ XXXX+/mo again after having paid our entire adult life on this loan. We were talked into consolidating our loans early on and that disqualified us from programs such as the PSLF and other programs throughout the years. When we were working for XXXX and earning very little money, we were told to take deferments and forbearances. We were young and didn't understand that we should have challenged this and requested income-based repayments. The result has been an avalanche of fees and interest that have followed us our entire lives because we never seem to earn enough to pay the full monthly, amounts, so we keep paying partial payments which creates rolling negative marks on our credit and which also do not pay down our principal. Our loan servicer has been XXXX XXXX ( became Navient ) and we have contacted them several times to request forgiveness for some of the interest/fees that accumulated over the years and they've always refused. We even had someone who was willing to pay off our balance and give us a private loan if we could get the total reduced, but Navient refused.
Product: Mortgage

Around XX/XX/2020 I needed to get my mortgage payment ( with Cardinal Financial ) in asap I had money orders that I originally got and was going to mail out, however I noticed that the if I mailed out my money order it would not get there on time. So I called the 877 number that was provided and was told by the rep I can do a XXXX XXXX payment she provided the code to send it and that I would be okay and on time for my payment in XX/XX/2020. Then a month or two passed and I received a late payment notice from Cardinal stating I never paid for XX/XX/2020. I called and told the rep that I have proof of all my documents showing that I paid my bill on time, I faxed in all the info, then went to the money order place the is located in a store that they sent the money order to the company but had placed it for a person to pick it up, the store manager wrote on the receipt that this was the stores fault and that I paid on time, I provided this document to Cardinal and then found out it hit my 3 credit bureaus and my parents credit and dropped when I was on time for my payment. I had spoken to a lawyer with XXXX XXXX and my lawyer sent them documents but still nothing has been done. Now each month I make my payment every other week when I get my payroll check so that I am ahead each month now they are sending me bills stating I am late or they have not received payment for so and so month. Then I call the 877 number and the rep explains, I see you made 2/3 separate payments and the dept who handles this noted that the payments were pending and not applied as not a full payment received of {$1100.00}. I told the rep can I speak to manager or supervisor and they stated none is available, so I explained no matter the times, date or if it is a partial payment I am paying through my online banking way ahead before the XXXX of each month through my XXXX XXXX online Cardinal Financial should be applying the payment to my account no matter what not placing it as pending or hold cause it is not in full. So now I have been getting charged late fees, my credit and my parents credit has dropped when all of this is none of our faults. I have proof for all the payments made.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when I received XXXX XXXX XXXX on the same day on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. I received a bill from a debt collector named I.C System stating I owed XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when the XXXX  care took place I am not responsible to pay this bill. I went to the XXXX XXXX XXXX XXXX to get assistance to resolve this issue. XXXX XXXX Phone # XXXX XXXX at XXXX XXXX XXXX XXXXXXXX helped me resolve this issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX contacted XXXX  XXXX XXXX and gave them the proper company to bill for this XXXX  bill. XXXX  XXXX XXXX proceeded to bill the correct party responsible for the bill in XXXX of XXXX. I spoke to XXXX  XXXX XXXX 4 to 5 times for updates. XXXX  XXXX XXXX told me they took my charges out of default in XXXX or beginning of XX/XX/XXXX and I had a XXXX balance and they were in the process filing a claim with the proper responsible party currently the bill is now been written off. 
XXXX  XXXX XXXX also told me they recalled the debt from the debt collector I.C. System. I spoke I.C. Systems multiple times since then. I.C. Systems is telling me that the debt has not been recalled and I still owe the balance. I.C. Systems keeps telling me they will not contact XXXX  XXXX XXXX to resolve the issue it has to be done electronically. XXXX  XXXX XXXX told me every time I've called they have recalled the debt from I.C. System. I was then transferred to I.C. System Consumer Affairs Department where they told me my debt has to be recalled again and until then I still owe the balance but they would offer me a settlement. I asked since they will not contact XXXX  XXXX XXXX to resolve this issue if there was any other way I could resolve it and they told me I can get a letter from XXXX  XXXX XXXX saying I have a XXXX balance and to send it in and they can possibly remove the debt that way. I then called XXXX  XXXX XXXX again and they transferred me to a supervisor at named XXXX who said they have recalled the debt and he would escalate the situation with the department who handles the 3rd party debt collectors and that department will send me a letter stating I have a XXXX balance which they have not sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.g. XXXX is a private company owned by XXXX XXXX XXXX XXXX. ) XXXX, EQUAFAX/XXXX  are not Bureau 's and are only agencies of the BUREAU. 

When I stated the account in question in last complaint I meant " EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX/EQUAFAX/XXXX  continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the " FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : XXXX XXXX SSN # XXXX I humbly DEMAND that ALL AGENCIES aforementioned REMOVE all info pertaining to ALL ACCOUNTS connected to the " Authorized Agents Birth rights and Social Security number assigned to him listed above. OR REDEEM MY NOTES FOR GOLD & SILVER COINS... Please and thank You!
Product: Money transfer, virtual currency, or money service

I went to my bank to do a wire transfer for a real estate transaction. I provided the wiring instructions to the CSR. No questions we're asked regarding this transfer, I was asked to verify the information and sign. Please know I was totally unaware of this wire fraud involving real estate. 
The money was to be sent to XXXX  XXXX XXXX in XXXX according to the instructions. Upon receiving a copy of the outgoing wire advise debit. It clearly states it went to XXXX  XXXX XXXX in XXXX!!! Which was not on the wire instructions. Perhaps if Bancfirst had CSR 's who they claim are experceived at detecting fraud, I would not be sending this message! I wired {$57000.00} which is my life savings and this carelessness has caused me to become homeless. I have sent Emails to the Presidents, ECO 'S and have no reply. Nor do I get returned calls from my bank manager when asked questions.
Product: Credit card or prepaid card

Unfair business Practices never let me establish a line of credit for my business
Product: Credit card or prepaid card

US Bank charged me annual fee for the card and then closed the card after 2 months. 

US Bank refuses to contact me and verify my identity. 

US Bank refuses to receive faxes from me. 

US Bank charged me money for annual fee and didn't provide benefits that I paid for ( upgrade coupons, 20 % purchase discount )
Product: Debt collection

On XX/XX/2018 I paid in full the amount of {$580.00} to XXXX and received a confirmation # that I owe no money to them. Retrieval Masters Creditors Bureau inc has sent me a notice of money owed on XXXX for the amount of {$560.00} This money has been paid in full directly to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX called direct sales at Fifth Third Bank to inquire how to get credit limit increase spoke with sales who instructed me to go inside bank to fill application. Decided to check XXXX after specifically going to bank to make withdraw ; later that day discovered someone submitted an inquiry from Fifth Third Bank Location XXXX XXXX XXXXXXXX XXXX # XXXX XXXX Ohio XXXX telephone XXXX. Did not sign or verbally authorize bank employee to do so. 

I would like to thank you in advance for your cooperation in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan was acquired by BSI as of XX/XX/2022. Prior to being acquired by BSI we were in the process of going through Loan Modification from COVID relief. The loan modification was almost complete when our loan was sold to BSI. When BSI acquired the loan we were advised that the modification process was completed, however it appears the process has started all over agin. Since XX/XX/2022 our loan has been reporting as more than 300 days late. This was corrected in XXXX when BSI was advised once again of the inaccurate reporting. At that point payments were being made on the account however we were advised that the payments could not be applied towards the loan. We were told by several representatives that we did not need to make payments as the loan modification process was still ongoing and we were still in forbearance. All documentation was sent to BSI as requested to complete the modification process, and were confirmed as received. We have been advised that the credit was in fact reporting incorrectly but that it would be updated. This was as recently as XX/XX/XXXX. AS of XX/XX/XXXX the report is now reflecting that we are {$17000.00} past due. This has caused a significant drop in our credit scores with all three major credit bureaus. According to BSIs mortgage portal we are 330 days past due. They are reporting to the credit bureaus that we are 180 plus days past due. Both of which are discrepancies. According to their site as well our modification is complete. We were told that the VA was giving approximately {$16000.00} to bring the loan current. We have tried to remedy this with multiple different reps with BSI on many different occasions. We have been met with nothing more than rude, condescending agents with attitudes. They are not willing to listen or assist with the issue. We have been told different things by different reps but no one has been actually willing to assist in getting the situation remedied with the exception of XXXX XXXX who we have tried to speak with again but the reps are unwilling to include her in these complaints. Due to the experience that we have had with them, we are shopping for a new mortgage company. However the negative impacts to our credit from the inaccurate reporting is making this far more complicated.
Product: Checking or savings account

Hello I have {$600.00} stuck with a bank called N26 Checking Account XXXX Name XXXX XXXX I opened the account ... .Read lots of good things about this new type of account online ... 
I deposited only a few {$100.00} per day ... ..And while having the account at most pulled from the atm XXXX per day ... ..there limits are FYI {$750.00} .... 

I have a few college friends who have it and have sent me a few dollars from things owed to each other ... ... OUT of the blue they frooze the account ... .any chance of trying to discuss with them they say funds are frozen I am under investigation ... ..I can't touch the {$600.00} ... ... I said ok ... .Waited 3 more days with out hearing them and they repeated the same blurb ... ... .it 's now been 8 days ... .they have my money no answer and funds frozen .... NOT HAPPY ... ... .Need help XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was denied credit for a car loan, due to negative items on my credit report. I discovered that XXXX XXXX XXXX was the reason for my denial. The most recent dispute I have with XXXX XXXX XXXX  was submitted and sent via USPS certified mail to all 3 major credit bureau 's Experian, XXXX and XXXX  on XX/XX/XXXX see attached ( Ref. A ). My request was to update/delete the " Date Last Active, '' because it was reporting incorrectly across all credit agencies. XXXX  - XX/XX/XXXX ; Experian - XX/XX/XXXX XXXX - XX/XX/XXXX. It obviously has been re-aged to continue to extend the statue of limitation. I asked for a careful analyst and to investigate the inaccurate information that is reporting in my credit report. I provided snapshot of my credit report side by side from my credit monitoring tool from XXXX I would hope this would help them investigate. Within 30 days I did receive new reports and response letters from all 3 credit bureaus ( Ref. D, E, F ). However I did not receive the results I was looking for. They did not even investigate my request of " Date Last Active. '' They did not do their due diligence and investigate. I reviewed the reports ( Ref. D, E, F ) that they have sent me and the updates. After several analyst, I noticed obvious accounting mistakes that possibly should of not resulted in a repossession. I discovered new inaccuracies that I missed and could of never seen without having a full report. 1 ) Experian/XXXX : is reporting REPO  on XX/XX/XXXX - ( Ref. E, F ) XXXX : is reporting REPO on XX/XX/XXXX - ( Ref.D ) 2 ) Late payments reported Experian & XXXX : XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX - ( Ref. E, F ) My leasing contract states that my payments are due every XX/XX/XXXX of each month ( Ref. C ) XXXX - Debited my account on XX/XX/XXXX - I was not 30 days late ( Ref. G ) XX/XX/XXXX - Debited my account on XX/XX/XXXX - I was not 30 days late also have XXXX XXXX receipt that reflects paid on XX/XX/XXXX and paid 2x of monthly requirement. ( Ref. H, L ) XX/XX/XXXX - How can I be 90 days late if I paid XX/XX/XXXX through XX/XX/XXXX? XX/XX/XXXX - Debited my account on XX/XX/XXXX - I was not 60 days late ( Ref. I ) XX/XX/XXXX - Debited my account on XX/XX/XXXX & XX/XX/XXXX for 2x payments ( Ref. J, K ) 3 ) As of today my XXXX  XXXX Credit Report on XX/XX/XXXX : My report is showing more inaccuracies than when I disputed in XX/XX/XXXX ( Ref. B ) >High Credit : XXXX Experian XXXX {$12000.00} XXXX  XXXX {$3900.00} >Past Due : There is a PAST DUE balance, when account has been CHARGED OFF >Date Last Active : XXXX XX/XX/XXXX EX- XX/XX/XXXX XXXX- XX/XX/XXXX The inability for XXXX  XXXX XXXX  to accurately do their due diligence to accurately report correct verifiable has resulted in a lot of XXXX  and XXXX XXXX I can not get approved for a car loan because of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has repeatedly claimed that they have VERIFIED, that XXXX 's claim in collection as reported on my record, is mine. It is not. Then, they repeatedly claim that it is CERTIFIED correct by XXXX. 
Well, I, CERTIFY that they ( Equifax ) are not investigating the matter. They would have found that until the collection was placed on my record XX/XX/2017, I had never been notified of the claim. That date also falls 2 years and one month after the five charges, to one account, were made.

Furthermore, Equifax, is the only CRA showing five charges from the same original Hospital stay as individual accounts.

Equifax continues to report false and misleading information.
Product: Checking or savings account

On XX/XX/2023 a deposit had cleared and was available by the Treasury dept for back pay for XXXX benefits. Amount was XXXX. The bank felt there was a mistake and restricted my entire account. I attempted to transfer online to another institution it processed the bank manager stopped it. The ATM declined my request to withdraw and the bank refused to allow me to withdraw from my account. They said they wanted proof that the money was mine and not fraud or a mistake made by the Treasury. On XX/XX/XXXX I returned with proof from the social security office confirming that the deposit was for me. The account was then released to withdraw. But because they discriminated against me by believing that someone like me could not have that amount of money. They have always been rude and shaming. They had no reason to question that deposit directly made from the government and then to withhold not only the amount of the deposit but froze my entire account.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate accounts on my credit report this morning and don't know the cause. My regular checkup revealed these discrepancies, and refreshing my browser didn't help. The wrong accounts stayed on the report. Therefore, I'm requesting a meticulous review of the documents I've sent so I can stop worrying about this issue.
Product: Debt collection

webster bank is harrassing me about a debt i dont owe XXXX 2015 i was in jail
Product: Mortgage

Since XXXX of XXXX, no one at SLS 's Customer Care XXXX number will speak with me regarding my account ( see attached examples ). I demand to speak with someone IMMEDIATLEY to review all the misc charges posted to my account in XXXX and XXXX and to review my account payment history line item by line item. According to my records, I show a positive in my escrow account up and through XXXX/XXXX/XXXX. SLS shows a negative. Until I can speak with someone at SLS and review everything since XXXX XXXX, I will NOT pay anything in addition to the {$1300.00} I 'm currenlty paying. SLS has refuses to be transparent and my account is being mismanaged. Per my discussions with XXXX XXXX, SLS has the ability to remove my Escrow Account but refuses to.