23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX with Account number XXXX. Equifax claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Equifax seeking proof of this debt : Equifax XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Equifax continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$0.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX. Personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$850.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was absolutely stunned when I checked my credit report this morning and saw that inaccurate accounts were showing upthis has never happened before. I always check my report, but this time I found discrepancies that came out of nowhere. I even tried refreshing my browser to see if it was a temporary issue, but nothing changed. The wrong accounts stayed there. Because of this, Im requesting that the documents Ive submitted be carefully reviewed so I never have to deal with this again.
Product: Debt collection

Collection showed on my report from an unknown debt collector stating I owe them money. Ive never done busy with this company and I do not know how they got my personal information. I never gave them consent to have any of my information including my social which is identity theft. They do not have any original contact between the company and myself with my signature on it nor do they have a financial ledger showing any transactions of them loaning me any money. I refuse to pay anything to this debt collector.
Product: Credit reporting or other personal consumer reports

Despite this attempts now to have these inaccuracies corrected, the fraudulent items remain on my report, significantly impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been inaccurately listed on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they continue to adversely affect my credit history. This situation has caused me considerable stress, inconvenience, and potential financial harm. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; CONNS XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX XXXX XXXX : {$81.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$590.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
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 lagged posting of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt. I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.
Product: Credit card or prepaid card

Wells Fargo issues me a credit card with a {$6300.00} credit limit that was never applied for. I have contacted them and opened an executive complaint ( XXXX ) and they admit they have no application for the account, but refuse to close it.
Product: Checking or savings account

Called Ally Bank on Friday, XX/XX/XXXX to attempt to merge my savings account with my fiance XXXX XXXX 's savings account. The Ally representative told us that we could not merge accounts ; however, we could add each other to one another 's accounts. We went with this solution. I also deposited a paper check from XXXX XXXX. 

On Monday. my fiance and I received separate calls from Ally 's Fraud Department concerning the activity over the last week. We both answered the questions and hoped everything would be resolved. 

My account has now been locked all week " pending '' investigation, and I have not been able to access any of my funds. I have groceries to buy, bills to pay, and a credit card payment has already failed to go through. 

When I reached out on Thursday, XX/XX/XXXX, I was informed that most everything is resolved but they were tying up some loose ends on the check that I deposited. When I asked for a timeline on when this would be resolved and I could receive access to my account again, the bank agent said that there was no timeline but it " should be soon. ''
Product: Payday loan, title loan, or personal loan

I'm not swayed that XXXX, XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX XXXX are reporting inaccurate information on Preferred Lease with account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, It has come to my attention that Equifax was lax in their securing of my personal credit and financial information from online theives, and when a breech in their system released my information ( I checked, and mine was taken ) they didnt alert me or make an announcement until much later when it was discovered. Before releasing the information about the people involved in the data breach, the executives also sold large shares of stock ( also verifyable )
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have contacted XXXX  regarding an error on my credit report. I mailed them a letter of XX/XX/2020 regarding the matter asking them to investigate and please remove the erroneous collection and never received a response from XXXX. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate information : Collection Creditor : PHOENIX FINANCIAL SERV XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

First of all XXXX keeps taking my score down and Im paring all my creditors on time as agreed. XXXX recently took my credit score down XXXX points. Ever since I opened a XXXX XXXX XXXX XXXX my credit score has decreased by the XXXX. 

XXXX reasoning for this low score is very contradicting.. XXXX, Trans Union , XXXX are affecting peoples ability to qualify for decent housing and transportation, which affects peoples ability to earn a living. 

Its a shame how my credit score is being decreased in such large numbers in such short period of time. Reaching out to these credit reporting agencies to no good. They continue to side with the merchant. Lets face it, they stand to make money if you feel forced to monitor your credit. This is so unfair. I feel like more than just my credit rights are being violated by all three agencies. 

Please see emails from XXXX inviting to apply with XXXX XXXX. Only emails I received from XXXX are emails trying to encourage me to take loans and sign up for their membership plan, advertisements, money marketing. See attachments One thing about resolution, you cant get it from these credit reporting agencies. No resolution abd no cooperation. Its senseless referring consumers back to them. Who is regulating them to be sure they are updating information and being fair, not deceptive and negligent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting incorrectly that I am 120 days past due on several loans with the Department of Education that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the Dept of Ed/Nelnet as well as attach a copy of my credit report. 

DPED/Nelnet : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX.
Product: Checking or savings account

Please add this addendum to my current account complaint number # XXXX : I checked the box below, and want the CFPB to publish this description of my original complaint on consumer finance.gov, so others can learn from my personal experience. 

Also, I should have mentioned that when XXXX XXXX, SunTrust Executive Services, called me on XX/XX/19, she advised me that she was recording the over 30 minute call. I would like, and give my permission for the CFPB to obtain that recording, during which I explained in great detail what happened, will also indicate how upset I was as a result of the screw-up by the SunTrust teller. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

To Whom may concern, This is at least 3rd time Im writing this letter to the report unauthorize hard pull inquiry from XXXX XXXX XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), creditors must provide accurate and timely information to credit reporting agencies. However, I noticed Equifax still ignore this issue and havent removed hard inquiry from my XXXX XXXX XX/XX/2023. 
I stated in previous emailed that I never authorized a hard inquiry from XXXX XXXX and that I only authorized XXXX XXXX XXXX pulls only. I called XXXX XXXX but of course no one is taking responsibility for it. XXXX XXXX bank keep saying that how there system work but clearly the whole time the representative didn't explain me clearly there a hard pull fallow by soft pull? 
XXXX XXXX keep blaming that how their system work but never explain to me in details especially my XXXX is limited. They even told me I must be a customer for 12 months. Hold on, I just opened a XXXX XXXX account less than 1 month! In this case clearly the representative didnt do her job right and was not even supposed to pull a soft pull from my credit in first place! That just shows mistakes after mistakes from XXXX XXXX side and never admit they we're wrong and keep blaming how there system work. If I know how XXXX XXXX bank system work then I would never get this hard pull from them in first place. It their job to explain to me clearly not my job to now how XXXX XXXX Banking system work. 
XXXX. XXXX XXXX XX/XX/2023. 
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. contacted for information. Please investigate and update these items as soon as possible. Thank You
Product: Credit card or prepaid card

email from XXXX XXXX XXXX XXXX prize maybe spam credit card " refused ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX Medical collection accounts on my Experian report that were covered by insurance, and shouldn't have even been collections accounts. I tried to dispute them with no results returned. Now, Experian will no longer let me dispute them, or remove them from my report. They both need to be deleted. One is from XXXX XXXX, the other from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any time I try to pull my credit on any websites it is unable to verify me. I know for a fact that I have credit history but any time I try to run a report online or in person it is unable to verify my information. The auto dealer shows that I have no credit history. I know for a fact I have credit history as I have paid an auto loan for 6 years and had a credit card in my name for 8-10 years. I have tried reaching out to my bank ( XXXX ), experian, XXXX, and TransUnion and nobody has been able to help me. My bank told me that my address might be flagged for some reason. This issue is stopping me from doing things in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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/block any items 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 is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX According to 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

Fay Servicing has ignored our requests for mortgage forbearance extensions past the initial 12 months provided by the Cares Act which ended on XX/XX/2021. President Biden signed an executive order granting 2 additional 3 month extensions if we are experiencing covid-19 hardships. Before our initial 12 months of forbearance were up on XX/XX/2021, we sent emails and a certified letter requesting the forbearance extensions to our loan servicer, Fay Servicing on XX/XX/XXXX, and again on the XXXX, XXXX. We then sent a certified letter requesting the forbearance extensions on XX/XX/2021. These requests were ignored by Fay Servicing. 
We received a letter from XXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX stating there were hired by Fay Servicing to collect our mortgage debt. They said we had 30 days to dispute the claim. On XX/XX/2021, without giving us time to dispute, Fay Servicing filled out a Substitute of Trustee form giving XXXXXXXX XXXX XXXX  the right to collect on our mortgage. On XX/XX/2021 XXXXXXXX XXXX XXXXXXXX sent a notice of their intent to sell our home because of alleged default. 
This is all illegal according to our right for mortgage forbearance and our right to apply for a Loss Mitigation to help us keep our home. 

Please look into our situation and help us. 

Thanks, XXXX XXXX
Product: Mortgage

on XX/XX/XXXX I was notified of water damage to my basement. I was out of town at the time. I notified XXXX the Insurance company. They Issued me a check made out to myself and US Bank Mortgage company. I was told I had to find a contractor for the work. the insurance company / adjuster could not recommend anyone. I was not told of any guidelines or conditions that had to be met by the contractor. This is the first time I've had to deal with an issue like this. I took the Check and contractors estimate to the Local US branch where the Manage called the loss draft department for steps how to process the check. He and I were told I would assign the check and he would nail it to them they would reissue a check to me. that was on XX/XX/2018. I naively expected a check the following week and had the contractor start work. a week later I get a packet requesting documents but no check. I had to pay the contractor XXXX dollars to start. I held off paying my mortgage to pay the contractor. now I'm behind I start getting threats of foreclosure in the mail. demands to start applying for loss mitigation. I hadvtas XXXX 2 weeks off work without pay and get hit with all of this so now I can only expect 25 % then another 25 % after the inspection. The loss draft department keeps delaying payment. claims they have not received documents I had faxed. coming back and requesting my signature on forms that did not ask for my signature. The contractor finished and I paid him the balance owed on XX/XX/2018. I faxed the loss draft department the receipt. I recieved a check in the mail for 25 % on XX/XX/2018 made out to me and the contractor. I called the loss draft dept. that day and aasked why they put the contractors name there when i sent them the paid in full receipt? they claim they did not get it. I took the receipts and check to the XXXX Ohio US Bank branch on XX/XX/XXXX and had the Manager, XXXX XXXX copy them put them in an overnight envelope to the loss draft department and heard him speak to XXXX XXXX in the resolutions department about all of the above.. I recieved received email notification they received it on XX/XX/XXXX. Today. XX/XX/XXXX I get a call from the loss draft department that my request to have the contractor removed from the check was denied because they show he is still owed money. so I ask what happened to the paid in full receipt? ahhh there it is. another 5 tov10 day delay. Us Bank sent their inspector on XX/XX/XXXX the work is 90 % completed. I had to submit approval to the insurance company to rreplace carpet. that is pending and all that needs done. I am broke out of pocket. They are threattending foreClosure if I dont have XX/XX/XXXXs paymdent paid by the XX/XX/XXXX. and they want to kee.g.p delay reimbursing my insurance payment.
Product: Checking or savings account

I recently had my debit card stolen with my phone and got charged a total of {$6900.00}. I tried to claim fraud to Bank of America but they denied my claim.