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

Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score. 
DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED. 
These are the account details : 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX /AMOUNT {$1700.00} FILE NUMBER DISPUTE : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  /AMOUNT : {$1400.00} FILE NUMBER DISPUTE : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/ AMOUNT XXXX {$1300.00} FILE # DISPUTE : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} / FILE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/ AMOUNT $ XXXX FILE # DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT XXXX XXXX  FILE # DISPUTE XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX/ AMOUNT XXXX XXXX DISPUTE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/ AMOUNT $ XXXX DISPUTE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AMOUNT {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXXXXXX DISPUTE # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT XXXX XXXX DISPUTE # XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


In accordance with the Fair Credit Reporting Act Public Law please let me know if any additional information is necessary to remove the charge off from your records. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XXXX your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. XXXXi ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within XXXX days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

Name : XXXX XXXX XXXX
Product: Checking or savings account

Navy Federal charged overdraft fees when it delayed posting credits to my account from person-to-person payment networks. I have been with Navy Federal for more than 15 yrs.
Product: Money transfer, virtual currency, or money service

I sent a XXXX transfer using the wrong phone number. 

The phone number is not in operation. 

Bank of America 's mobile app filled in the contact info for me when I started entering the phone number. I mistook it for filling in the information for a registered XXXX user. 

I have followed their procedure to ask for the money back, but they have denied it twice with no information as to why except they " followed my instructions. '' On the phone they'll say it's up to an unnamed " third party '' bank whether to refund me or not. In truth, it being a non working number, it was probably sent into XXXX and they haven't refunded me because they can't spend XXXX XXXX having a live human consider that. 

All info for the complain was taken by them via phone.
Product: Debt collection

Capital One is reporting that I have an old credit card account, that still has a {$1800.00} balance listed as owed. However, I closed this account with a {$0.00} balance. So any balance that Capital One feels is owed is due to bogus charges applied to the account after it was closed in good standing. I have repeatedly asked for Capital One to send me an itemized listing of the charges that constitutes the {$1800.00} balance, but my repeated requests have done ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, {$710.00}. 

Per the attached information received from XXXX XXXX XXXX ( see attachment 1 ), in an attempt for collections XXXX XXXX XXXX is reporting erroneous date opened information of this fraudulent account as well as the date of last activity of this fraudulent account. The documentation from XXXX XXXX  XXXX states this account was opened XX/XX/XXXX, and last payment was XX/XX/XXXX. However, XXXX XXXX XXXX is reporting to the credit bureaus of this fraudulent debt date opened XX/XX/XXXX ( attachment 2 ). This is a violation of the FDCPA Fair Debt Collection Act. XXXX XXXX  XXXX is reporting inaccurate information about this debt age and status and/or re-aged the status of this debt as well as misrepresentation of the judicial status of this debt. I do not own this debt and have no knowledge of this debt until recently XXXX. In addition, this is unfair or unconscionable means to collect this debt which is illegal. Therefore, please delete this account from my Experian credit report immediately ( see attachment 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the unapproved request, today I'd like to inform you that there are still accounts on my credit file appears inaccurately, so for that, I would like you to help me to correct these accounts which I never been late to pay my credits. FCRA 605B requires to correct these accounts : OFFICE OF THE ATTY GEN XXXX Balance : {$6700.00} ; OFFICE OF THE ATTY GEN XXXXXXXX Balance : {$5100.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$1800.00} ; OAG CHILD SU XXXX Balance : {$5100.00}.
Product: Debt collection

SIMM associates is emailing me about an account with purchasing power. This is not my debt. I did not give anyone consent to give away my information. No consent is identity theft. Please stop contacting me regarding this account it is not mine.
Product: Debt collection

National Credit Adjusters has been repeatedly contacting my husband asking for XXXX XXXX ( not his name ) on a debt that is not his, nor is it mine. This debt was previously with another collection agency and it was proven to not be mine and was removed from my credit report. It was sold to National Credit Adjusters in an attempt to collect money that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XX/XX/XXXX an already paid off as agreed account # was changed and A 30 day late payment was was added. I sent dispute letters and disputed online to remove the late payment and show account was closed in XXXX. But to no avail, so I called the account company XXXXXX/XX/XXXX and they agree the account is paid off in XX/XX/2020 and no 30 day late payment was ever made. All other Major credit bureaus also show all my conn 's accounts closed paid as agreed and with no late payments but equifax has the account extending past XX/XX/2020 and ending in XXXX with a 30 day late. This is my second Compliant on this issue and nothing has been done. It leads me to result to legal action next
Product: Student loan

In XXXX 2014 I requested a complete history of all payments I have made on my XXXX, now Navient, loans. In particular, I was seeking the same data that is required on credit card statements and mortgage statements, namely " How much interest have I paid over the life of the loans? '' XXXX told me that they do not provide payment history beyond the last XXXX payments. I feel that they must have data on how much they have made over the life of the loan and refuse to disclose that to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax security breach, as of now I know if nothing has been taken from me but I know my information was involved in the breach.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 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 ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Transunion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX  Account XXXX I believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian again as well as opened disputes with XXXXXXXXXX and XXXXXXX ( been multiple times ) to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XX/X/2017 I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully Experian, XXXXXXX and XXXXXXXXXX must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.
Product: Credit card or prepaid card

I had requested a secured card through Bank of America in XXXX of XXXX. I gave the branch XXXX in cash and got a receipt. My card was never processed and I had forgotten about the card since my mom became gravely ill around that time and passed away XX/XX/XXXX. I found my receipt for the XXXX dollars and went in to the branch that I had given the money. They pulled up a cashiers check that they had purchased to send in to the secured card department and printed the front and back of the cashed cashiers check. They said it went into my bank account. I had not had a B of A account for years but all of my boys and my husband did. 
I took the copy of the check and reviewed it. It had no signature or account number or finger print that is required whe cashing a check and not having an account. I never received the check and did not cash it. It was cashed at the same branch and the only numbers on the check were that of B of A. They had cashed my check and kept the XXXX dollars. I went to the branch a few times and they were no help. I called the fraud unit and filed a claim and after a few weeks they said that they could not give me the money back because when I opened and account ( which I did not have with them ) that in the agreement it stated that I had 60 days to bring up and charges or discrepancies to them to file a claim. I explained that I did not have an account with them. I also said that when the cashiers check was returned and they could not locate me that they would have been required to forward it to the state as unclaimed funds. They simply could not keep XXXX dollars of mine. I also called he credit card department and they said they had no record of an application for a secured card for me. 
Simply put.. I gave the XXXX XXXXXXXX California B of A branch XXXX dollars for a secured card. They never set my application to the credit card department. I never signed anything. The gentleman did it on hi computer. I have a receipt for the XXXX and a copy of the cashiers check that they cashed and they refuse to give me my money that I gave them in good faith back to me which is {$1500.00}. 
The cashed cashiers check had some information on the back of it and all of the acccoutn numbers were to that branch. However there was a date and time it was cashed and the teller info, the account number which is b of a XXXX XXXX branch the rounding number which is also the XXXX XXXX rounding number and than it says cashed check XXXX and than I takes reference to ID that was used with the number *********** out but XXXX and the expiration date of XX/XX/XXXX was visible. I have not held a XXXX ID or License since XXXX. I live in XXXX 
I was told to file a complaint with XXXX and I did. I received a letter from OFFICE OF THE CONTROLLER OF THE CURRENCY that said I need to file a complaint with your department. I have been trying to get my money back for years and I do not understand why it is so hard. Please help me.
Product: Mortgage

WRONGFUL FORECLOSURE AND WRONGFUL EVICTION I am a living, lawful woman whose " real '' property and " personal '' property was stolen, sold, and transferred without my knowledge. My children and I are now homeless ; suffering immediate distress and injury from loss of property. 
experiencing irreparable loss, injury, and damages permanent loss of home and land after the wronged borrower fulfilled and performed all contractual duties loss of personal property wrongful lenders stole private property from violation of breach of contract by the denial of my inalienable AND contractual rights ( of the living, lawful woman ) ; CONTRACT IS NULL AND VOID having only one signature on the mortgage loan promissory note and on the mortgage loan security. MY SIGNATURE WAS THE ONLY SIGNATURE. The bank/lender ( s ) never signed the original promissory note. 
violations of : non-full disclosure ; misrepresentation with fraud ; wire fraud ; identity theft ; identity fraud ; deceptive trading practices ; non-consent ; misconduct ; intentional billing errors ; and more fraudulent short-sale The foreclosure process started in XXXX or XXXX. The private property was sold/transferred to a different lender in XX/XX/XXXX without full disclosure and without my consent. 
In XXXX, debtor/principal/secured party/trustee/wronged borrower fulfilled and performed obligatory duties with several ACCEPTED/ENDORSED payments with consideration to EACH bank and lender with the following : bill of exchange ( {$500000.00} AND {$360000.00} ) ; security instruments/vouchers/remittance coupons ; 1099A ; 1099C ; bill of credit ; letter of credit; etc... along with notices of fraud, contractual violations ( breach of contract ) ; deceptive trading practices, misrepresentation with fraud, wire fraud, intentional billing errors, harassment, identity fraud, identity theft, etc... and more. TOTALLY DENYING MY INALIEANABLE RIGHTS WITH THESE VIOLATIONS.
Product: Checking or savings account

I recently opened bank account I sold my home in XXXX XXXX from sandy storm my husband passed awsy I was told I had to pay $ XXXX for sba loan my attorney and myself were told sba dont put lien on home but I was forced to do because Im about to be evicted I paid taxes and I received {$45000.00} from my home and that is not normal and I deposited in td bank they said they thought fraud its almost month still didnt release my money please help me
Product: Debt collection

I have made several complaints with this office. I continue to get emails and phone calls on " debts '' I do n't owe. A request has been made to send verification of debt. I have not received anything previously requested. I do n't know if this is a scam or legitimate collection company attorney process servers. I get calls at my place of employment and on my personal cell.
Product: Mortgage

I am writing this letter in hope of recovering a missing mortgage payment I have made to Wells Fargo on XX/XX/2021 through my checking account aXXXX XXXX  XXXX XXXX On XX/XX/2021. I have always made my regular monthly Mortgage payment to Wells Fargo, yet they claim I am one month behind. 
Problem : When contacted to inquire about the missing payment, Wells Fargo claims, my XX/XX/XXXX payment was returned to my checking account at XXXX XXXX XXXX on XX/XX/XXXX as Revoked, and no further explanation was provided to why. According to my checking statement, no payments were returned by Wells Fargo. When contacted XXXX  XXXX XXXX about the returned payment, XXXX XXXX have denied ever receiving a returned payment. ( Please see the evidence ) Please note, prior to my XX/XX/2021 mortgage payment, my checking account at XXXX XXXX XXXX had more than enough money to cover the mortgage payment. 
As of today, Wells Fargo has closed all my claims against the missing mortgage payment, and informed me I am currently one month behind on my mortgage payment due to a revoked payment on XX/XX/XXXX. Also, XXXX  XXXX XXXX refused to open a new case to find the missing payment. 
I have all the evidence to prove that I have paid all of my mortgage payments since the mortgage was created. At this point, either the XXXX XXXX XXXX or Wells Fargo are holding one mortgage payment in the amount of {$3400.00} and not returning to me. 
Please help! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon further review it has come to my attention that I have been victimized by identity theft and there are currently two fraudulent accounts and four UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX ran it twicXXXX XXXX XXXX XXXXate occasions, XXXX and XXXX to all three of the credit bureaus. I have filed a police report with the XXXX Police Department and submitted a complaint the CFPB Consumer finance protection bureau. I am currently disputing these accounts with all three Credit Bureaus as well.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry XXXX in XX/XX/2019. 

I did not authorize this inquiry. Reached out to XXXX XXXX, they said they would notify the TransUnion. However it still shows
Product: Vehicle loan or lease

I did an application for a consumer credit transaction with XXXX XXXX in which they told me CPS needed me to put a down payment of {$6800.00} on a used XXXX  XXXX XXXX. I was also told they would also need a 60 month verification letter stating I will be getting public assistance for the length of the loan.

15 U.S.C. 1602 ( a ) Defines finance charge as a sum not including any amount comparable in cash 15 U.S.C 1691 ( a ) ECOA ( Equal Credit Opportunity Act ) prohibits discrimination against any applicant in a credit transaction whose income comes from public assistance and who exercised any right in good faith under this Act. 

The above are violations of federal law
Product: Checking or savings account

On XX/XX/2021, I made an ATM withdrawl. I requested {$200.00}, a mix of {$50.00} 's and {$20.00} 's. The machine dispensed two {$50.00} bills. Because the branch was not open yet, I called Wells Fargo and started a claim. The claim was denied. I then went into the branch and filed an " escalated claim '', which was also denied.