23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company number appears on my phn for at least 100 times in the last 1 and 1/2 years. will not stop calling even after I have threatnd them with litigation. The number is traced back to XXXX california. Contacted XXXX and they say they do not have me in there data base but a day later the same number comes up XXXX. When you call this number back they answere as critical solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX Bank to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

these loans was a forbearance these loans was defferred and in XXXX XXXX any lates was covered my bankruptcy
Product: Checking or savings account

On XX/XX/2022 XXXX {$100.00} ( {$800.00} ) withdrawals were fraudulently deducted from our personal checking account with Wells Fargo through XXXX to persons unknown to us. I contacted Wells Fargo immediately and they opened a claim and in 2 days sent a denial that they were sent by my husband 's online " secure '' transmission. He also filed a claim with Wells Fargo for fraud and theft and Wells Fargo also denied it for the same reason. We filed a police report and a " fraud '' report with the FTC and gave these reports to Wells Fargo. We were told by the fraud department that someone " updated '' my husbands email and immediately enrolled in XXXX that same day and the money was stolen. My husband did not bank online with Wells Fargo and did not even realize that he had an online account with Wells Fargo. We explained this to the fraud department at Wells Fargo that someone " hacked '' his account and stole the money. We keep getting the same answer, " sorry, your claim is denied and there is nothing we can do ''. My claim number is XXXX. My husband 's claim number is XXXX.
Product: Checking or savings account

I have a problem with Bank of America communication with XXXX XXXX. Reported is to technical on Friday XX/XX/2021. XXXX Case XXXX. I have contacted back on XXXX, and XX/XX/2021 I keep getting that dept is backup and we had a back holiday. It could be another 5 to 10 days. All we do is fill case with that department. I have contacted XXXX XXXX ( XXXX ) XXXX twice. It is not their issue and they are getting multiple calls daily on this issue. My Case number with XXXX is XXXX I was able to connect in the morning of XX/XX/2021 and buy afternoon started getting XXXX error. I have transaction stuck in the to be paid out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached letter which is the third unresponsive letter I have mailed to them in regards to an account on my Bureau with them titled XXXX XXXX  XXXX .... I do not and have never had an account with XXXX In accordance with the Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My husband passed a few months ago, I've requested mortgage assistance with my servicer. I have submitted request for mortgage assistance with my financials to Mr. Cooper several times. Received in the mail letters from Mr. Cooper turning down my mortgage assistance request several times. Mr. Cooper is difficult to work with and refuses to assist me with my mortgage. I don't want to lose my home to foreclosure please assist me with my mortgage assistance request.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 For these months I have been disputing the same accounts with XXXX, XXXX and now Equifax for inaccurate information that they have not completed a proper investigation, instead keeping these inaccurate items on my report!! 

I have asked serval time to provide who have they spoke with, method of validation and proof that alleged debt is mine and still have not received anything but items are still on my report and duplicate accounts!! 


They also keep sending me stall letters stating its not me who is sending the letters! 

Also, an account that was inaccurate has been removed from Equifax previously and somehow reinserted back to my credit report! That is violation of my consumer rights!! 


Furthermore, same accounts that are on XXXX and XXXX are not on Equifax, which is also in violation of my consumer rights!! I was aware that everyone have rights to accurate credit reports and these agencies are not doing that!!
Product: Checking or savings account

XX/XX/2020 I talked to XXXX who is a manager in the checking account department for Capital One and was told he was unable to close my multiple checking accounts. XXXX did inform me he will escalate the closing of my accounts up to the security department who put the hold on my accounts.
Product: Bank account or service

I scheduled XXXX online payments that PNC sent out as checks. I was charged an overdraft fee for each check even though they did n't post to my account until XXXX and I was n't notified until XXXX. I the past they have always given until XXXX the next business day to cover any overdrafts, in fact this is their stated policy : PNC 's {$5.00} safety buffer PNC allows a {$5.00} margin of error. If you 're overdrawn by {$5.00} or less, PNC will refund any overdraft fees. 
Also, if you overdraw your account but then deposit enough money to be within the {$5.00} margin by the end of the business day, you wo n't be penalized. PNC will automatically refund any overdraft fees. 
However when I called and spoke to two different supervisors I was told that because the items were sent as checks the buffer policy did not apply as I should have had the money available for when the check processed, which I did, I had checked the account the day before after business hours and the checks had not presented. So when I went to transfer the funds the following business day as per the buffer, there were already XXXX overdraft fees in excess of the amounts that were covered! After multiple calls I was refunded XXXX of the overdraft fees after being " educated '' regarding PNC 's current policy in regards to checks. I asked how I was supposed to cover the XXXX checks on the same business day if they did n't post until XXXX and was told again that the buffer did not apply to checks which is not stated in their policy. Unfortunately this is not the first time having issues with them.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX under FCRA On XXXX XXXX, I disputed an inaccurate debt on my credit report with Experian. The account is listed as belonging to XXXX XXXX XXXX, with the account number beginning # XXXX, for the amount of {$4300.00}. I formally requested verification of this account and proof of its accuracy as required by the Fair Credit Reporting Act ( FCRA ). 

Experian responded with a letter stating that the information reported by XXXX XXXX XXXX was accurate. However, they failed to provide adequate proof or documentation verifying the debt, such as : 1. How much XXXX XXXX XXXX paid to acquire the account. 
XXXX. Any specific evidence showing the validity of the debt or my obligation to pay it. 

Without such verification, Experian has not met its legal obligation to reasonably investigate and verify disputed information, as required under the FCRA ( XXXX XXXX. XXXX ). 


XXXX. I submitted a formal dispute to Experian on XXXX XXXX, providing identification and requesting documentation verifying the debt. 
XXXX. I asked Experian to delete or correct the account if it could not be verified. 
XXXX. Experian replied with a letter stating the account was accurate but did not provide the required evidence or verification to support their determination. 


Despite their response, Experian has not provided sufficient evidence to verify the accuracy of this account, which is a clear violation of the FCRA. 


I request that the CFPB investigate Experian 's failure to conduct a reasonable reinvestigation and enforce compliance with federal law. Additionally, I request that Experian be required to provide : XXXX. Documentation showing how XXXX XXXX XXXX verified the account. 
XXXX. Evidence supporting the amount and validity of the debt. 
XXXX. Information about how much XXXX XXXX XXXX purchased the account for. 

If this information can not be provided, I request that the CFPB take action to have the account removed from my credit report. 

Thank you for your attention to this matter. 

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

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MediCredit represents XXXX XXXX Hospital, they have reported a 2009 dollar debt on my credit report that does not belong to me. I have disputed this debt. They have not proven that this debt belongs to me and they continue to damage my credit with it. They take accounts and resell them to debt collectors or the debt collectors change their names and continue to harass citizens for money that they do not owe.
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 items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Payday loan, title loan, personal loan, or advance loan

I was out of work for 3 months due to being diagnosed with a XXXX XXXX. I wasnt getting paid and couldnt pay any bills. My account got behind. Im trying to pay on it now with a debit card. Im not able to add through the online app. There is no phone number to reach anyone. Ive sent multiple emails. They have reported this negative in my credit report as a charge off but I am trying to pay it. I dont want to use the checking account on file
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling to lift my freeze with Equifax for the past month. I can easily lift with XXXX & XXXX, but Equifax is the worst. I am currently trying to get a mortgage approved, but they can not access that bureau. I try to log on the website and get an error message. I call in to the automated freeze lift and it always hangs up on me. I talk to someone, who by the way barely speaks English or understands me and then they tell me that they can not verify me for whatever reason and then they tell me to fax my information in ( drivers license & ss card ). Well, the fax number they provide and any found online and on their automated system are ALL incorrect. Sending by mail, you don't get a response or hear anything back. The last rep/supervisor I spoke with hung up in my face. I am extremely annoyed and over all of this. I need my Equifax unfrozen immediately as I am in the home buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Try to fix with then but refuse to help But all fraud charges agains 6 month This item need to be removed from my credit report. 
This is fraud
Product: Checking or savings account

I Made a Check Deposit at TD Bank ATM From Social Security {$800.00} and My Check and the Funds Was Available XX/XX/2019 and TD Bank Place A Verification Hold On My Check for the Check {$800.00} and made my account into Negative {$580.00} with 2 Overdraft Fee Of {$35.00} Dollars Please Help me with this Problem i dont know why TD Bank Did Cause This Problem into My Account.?
Product: Money transfer, virtual currency, or money service

I added a bank account to transfer money because I had been using a credit card that had a weekly limit and after I initiated the transfer they restricted my account so that I can not buy or sell. I have contacted them through several means and the do not respond
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as DELETE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX XXXX
Product: Student loan

I have n't tried paying my loan back due to financial hard ship. Also the school i attended in XXXX fl. XXXX for XXXX was closed.due to false practices which i was told. I feel i should not have to pay back my student loan because after graduating in 2009 i was never ever abale to receive my Diploma. Then i was told my Diploma is not longer valid because the school has been sued. I need to go back to school and start the process from scratch. I feel if thats the case i shouldnt have to REPAY NAVENT any help would be appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting this CFPB complaint to you today as well as to the XXXX reporting Agencies to inform them tat I was a victim of identity theft and I am requesting that the Credit Bureaus Remove the following accounts completely from my Credit file. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Please remove the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been denied 2 jobs due to incorrect reporting from Checkr. In XXXX I tried to get this corrected. The company reported that I had a bad check charge from 10 years prior to XXXX. I contacted the clerk of court office in the county where this charge was reported. They gave the name of the company that filed the charges and I reached out to them. The owner said he has since closed the business and had no records. I contacted Legal Aid who said they don't usually handle this type of situation and they found no charges based on my name, dob and social security. I was to start a job on a Monday and received a call the previous Friday that stated my background check had negative information and they could no longer offer me a position. I notified Checkr of info from Legal Aid but they would not look into the issue. I've been told it would cost me {$1500.00} to have an attorney to remove this from my record. When applying for jobs I have to explain that I've never been charged with anything but there is something on my record from early XXXX. In XXXX of XXXX I had a background check for XXXX ( XXXX XXXX XXXX XXXX ) and it took 30 days to submit info to XXXX which prevented me from earning income. I can't afford to hire an attorney to assist with this issue. At the time of this charge I was employed with the XXXX where I worked for 14 years. I never received any court papers about any charges other than a XXXX XXXX. There are multiple women in NC with the same name as mine. When I moved to this state in the XXXX 's I went to a store to purchase needed items for the home. I wrote a check and was told they had a worthless check on file and couldn't accept that form of payment. I was able to provide information to prove I had never written a check to them based on my SS #. From then on I no longer wrote checks and only paid cash.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion for failing to provide the method of verification regarding disputed accounts. In CFPB complaint XXXX, Transunion responded stating that the company verified that the disputed information was accurate as reported. However, under 15 U.S.C. 1681i ( 7 ), the Method of Verification requires that credit reporting agencies provide specific information on how they verified the accuracy of the disputed data. Transunions response was insufficient and did not include any valid evidence or thorough investigation into the accuracy of the reported information. The accounts in question are OFFICE OF THE ATTY GEN XXXX, OFFICE OF THE ATTY GEN XXXX, and XXXX XXXX XXXX. In XXXX XXXX TransUnion, the court made clear that credit reporting agencies must do more than passively accept a creditors verification. They are required to take independent steps to investigate the validity of the information, rather than relying solely on the original source of the error. By failing to do so, Transunion is in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After apply for a Discover secured card and them saying that I was approved. They took my money and sent the card. I was not able to activate the card. They asked me to sign a tax paper in which I did. After that they still would not activate the card and the account was closed because they said that they could not verify my identity. Now the card is reporting to my credit report as a closed account. The account was never open to be closed. I asked them to removed it and the lady said she could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report from Experian and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX  XXXX XXXX ( Acc no : XXXX ) and XXXX XXXX ( Acc no : XXXX ) accounts were disputed and deleted in XX/XX/2019. However, Experian reinserted fraudulent accounts without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A number of negatives have not been addressed because they fail to open any new disputes! 
Other reason Looks like you've already filed a dispute for this item Under Section XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. XXXX If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. The facts are this item is on for years and they never addressed my input but would rather accept the incorrect information of the lender. Why is my credibility in question?