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

XXXX Account Ending in XXXX needs to be deleted. Wrong Information. 

XXXX XXXX Reports Date Of Last Activity XXXX XXXX Reports Date Of Last Activity XXXX Equifax Reports Date OF Last Activity XXXX How can all XXXX Bureaus have different Dates. My credit report should be 100 % Correct. Please delete XXXX Account XXXX. XXXX 

XXXX XXXX has account XXXX " Last Verified '' on XXXX XXXX and Equifax " Last Verified '' Shows " Nothing '', how can this be especially since I have sent them letters requesting them to investigate this account that is wrong, it comes back " verified '' yet nothing in the account was Updated. This is illegal and against my rights. It means it was never investigated. 

XXXX Account ending in XXXX needs to be deleted. It was never investigated or fixed, by all XXXX bureaus and it is past 64 days til today. Way past the 30 day mark to correct these errors. 

I have attached proof of myself as well as credit report showing these errors. 


Also My Name is XXXX XXXX. This is My ONLY NAME. I have Corrected this Several Times on my credit report and Invalid Names keep showing. 

Wrong Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX... etc These Names are all Wrong. 

Correct Name and Only Name is : XXXX XXXX. Please Correct my name
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA XXXX XXXX payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$130.00} XXXX XXXX account. $ XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Account charged off.
Product: Credit reporting or other personal consumer reports

The reporting for this account is factually incorrect in multiple ways : - I have previously requested validation of this account, which was not properly completed, nor was an accurate accounting of it received by me. 
- This vehicle was repossessed and had XXXX XXXX  The repossession cut the original balance. As a repossession counts as a loss, the finance company was paid the balance. 
- Even if I didnt have XXXX XXXX ( but I did ), the balance on my credit reports reflects late payments after the repossession. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. 
- Late payments continued to be reported after the repossession. A monthly payment should not exist after a repossession has occurred. 

Attachment shows balance right after repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N.A.

Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I mailed XXXX, XXXX, and Equifax about inaccurate information they are report to my consumer report. They have failed to provide with validation of these alleged debt. I need proof that an investigation was done. I asked for them to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt.
Product: Credit card

I have been a long-time member of Navy Federal Credit Union and have generally appreciated my experience. However, I recently became aware of a concerning issue regarding the way interest is applied and payments are allocated on my credit card account, which I believe is misleading and unfair to members.

I hold a Navy Federal credit card with an 18 % interest rate on both purchases and cash advances. What I did not realize until recently is that Navy Federal does not allow payments to be applied toward a cash advance balance until the purchase balance has been completely paid off. This policy has resulted in me unknowingly accumulating significant interest charges over the years, despite making substantial payments toward my balance.

Upon reviewing my statements, the earliest record I was provided dates back to XX/XX/year>, showing a cash advance balance of {$820.00} with an interest rate of 17.40 %. Over a six-year period, I have paid approximately {$8000.00} in interest on cash advances alonean amount that far exceeds the original cash advance balance of {$6100.00}. A Navy Federal representative recently informed me that I would continue incurring additional interest until I paid off {$6700.00} in purchase charges, further prolonging my financial burden.

I have since paid the balance in full by transferring the debt to another bank with a 0 % interest rate. However, I believe Navy Federal should refund {$14000.00} to compensate for the excessive interest charges accrued due to its deceitful payment allocation practices. It is deeply frustrating to realize that despite making consistent and substantial paymentsincluding {$1000.00} payments at one pointthe structure of this policy made it nearly impossible to pay off my principal balance.

This practice ultimately benefits the credit union at the expense of its members, and I hope that Navy Federal will take action to rectify this issue. I look forward to your response and a fair resolution to this matter.
Product: Mortgage

Had to file for bankruptcy due to financial problems. The mortgage loan, M & T Bank hold our VA loan. Ever since then the mortgage lender continues to increase my mortgage rates. They have not and will not work with me on any of this. They put my home in foreclosure status. I had to find help with a bankruptcy claim in order to keep our head above water. Have been out of work due to COVID and still they do not care. They keep increasing my mortgage amounts. This company does not work with anyone, they told me they want their money or they will foreclose on my home.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Subject : Dispute of Identity Theft and Request for Removal of Fraudulent Accounts I am writing to bring to your attention a case of identity theft that has resulted in fraudulent accounts appearing on my credit report maintained by your bureau. As a victim of this crime, I kindly request your immediate assistance in investigating and removing the following unauthorized and inaccurate items from my credit report, in accordance with the provisions of the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681b ) : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$540.00} Inaccuracy : This account is not mine, and it has been opened fraudulently using my personal information without my knowledge or consent. I request that you take immediate action to remove this account from my credit report and provide me with any information you may uncover regarding the perpetrator. 

Account Name : U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracy : I have never had any dealings with this creditor, and the existence of this account is a result of identity theft. I ask that you thoroughly investigate and remove this fraudulent account from my credit report, along with any associated negative information. 

Account Name : U.SXXXX DEPARTMENT OF EDUCATION Account Number : XXXX Amount : {$4200.00} Inaccuracy : This account was opened fraudulently in my name, and I have never been a customer of the mentioned creditor. I urge you to take immediate action to remove this fraudulent account from my credit report and initiate an investigation into the unauthorized use of my personal information. 

In support of my dispute, I have enclosed copies of the identity theft report I filed with the relevant authorities, as well as any additional documentation substantiating my claim. I request that you conduct a comprehensive investigation into these matters and provide me with a written response within the timeframe stipulated by law. 

As mandated by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I expect you to promptly contact the respective creditors and verify the fraudulent information. It is imperative that you take all necessary steps to ensure the complete removal of these fraudulent accounts from my credit report, as they are tarnishing my creditworthiness and causing significant distress. 

Moreover, I urge you to implement appropriate security measures to prevent the re-reporting of these fraudulent accounts to any third parties, as this could perpetuate the harm caused by the identity theft. I request that you keep me informed in writing of the actions you have taken to address this matter. 

I appreciate your immediate attention to this dispute and your commitment to upholding consumer rights. I trust that you will handle this case with the utmost professionalism and in strict compliance with applicable laws. I look forward to receiving your written response within the statutory timeframe of 30 days.
Product: Credit reporting or other personal consumer reports

An individual whom I was asked to employ without a back ground check continues to follow me after the job is over. I believe she actually has access to my own credit report.
Product: Debt collection

This debt is not owned by me I have never signed an agreement to pay this collection or signed any paper work with this collection agency.
Product: Debt collection

I sent a debt validation letter to Franklin Collection Services XX/XX/XXXX. They responded XX/XX/XXXX saying that " per my request here is a copy for a final bill '' ( See attached ). 

That is NOT sufficient validation of me owing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX 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 Balance Owed : {$0.00}.
Product: Debt collection

In CFPB report # XXXX ; Convergent Outsourcing made the following Statement '' " Convergent Outsourcing has ceased collection activity on behalf of this account. We will request that our this account be removed from the credit bureaus information for. A copy of your complaint will be forwarded to our client for further review. We do not own this account and therefore we can not guarantee resolution. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department by Email at # XXXX should you require further assistance. Kind regards, Compliance Representative at Convergent Outsourcing , Inc. '' Convergent Outsourcing has failed meet their expectation of providing " a fraud packet '' ; in addition we will also mail you documents obtained from Eversource validating the balance that they state is owed ; Convergent Outsourcing has ceased collection activity on behalf of this account. We will request that our information for this account be removed from the credit bureaus. '' Furthermore, Convergent Outsourcing violated 809. Validation of debts by failing to provide a notice of debtin a timely manner prior to the closing of the card. By self admission, Convergent Outsourcing failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 RE : FRAUD DEPT/ Identify Theft Update Credit files To : The Consumer Fraud Complaint Dept . 

I have contacted XXXX, Equifax, XXXX, XXXX, XXXX, and XXXX XXXX several times regarding these unauthorized fraudulent identity theft accounts on my credit files. I have submitted several complaints about identity theft and have issued proof of identity to these companies including : federal commission trade report police report, Passport utility bills, A signed Rental Lease Agreement The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX Date : XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$30000.00} XXXX XXXX  # XXXX Date : XXXX Amount : {$1700.00} XXXX XXXX . 
# XXXX Date : XXXX Amount : {$240.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$430.00} XXXX  # XXXX Date : XXXX Amount : {$440.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$530.00} XXXX XXXX # XXXX Date : XXXX Amount : {$19000.00} XXXX  # XXXX Date : XXXX Amount : {$17000.00} I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX  XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX
Product: Vehicle loan or lease

balance is incorrect and keeps reporting incorrectly, it was repossed and included in a XXXX i am requesting a full account history including original contract with my wet signature and validation of the debt
Product: Checking or savings account

I have Wells Fargo Everyday Checking account ending in XXXX. It was open with a promotion that if I deposit {$1000.00} or more within the first 90 days of opening it, I will get {$300.00} cash back. {$1000.00} Direct deposit happened on XX/XX/year> but no cash back till now.
Product: Checking or savings account

On XX/XX/25 I noticed the following authorized transcactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contact my bank to dispute these unauthorized transactions and I have received no help. 

This places a financial burden on myself. I wish to retrieve the funds taken after following my banks protocol of following respective steps after text was sent due to suspicious activity on my account.
Product: Debt collection

They have violated a cease and desist order given to both collector and supervisor. They have failed to provide proof of obligation both to me and to the credit bureaus where dispute was filed. They contacted me via automatic dialer on XXXX XXXX, 2015 about XXXX AZ time about XXXX days after cease and desist was filed.
Product: Mortgage

History : We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX the fall of XX/XX/XXXX with a three year ARM. In the summer of XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agents address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX in the spring of XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed in the fall in XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on both properties in XX/XX/XXXX, and that the LIBOR index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XX/XX/XXXX and even that interest rate was calculated incorrectly. We filed a complaint with CFPB in XX/XX/XXXX for our personal residence ( Case # XXXX ) and our rental property ( XXXX, XXXX and XXXX ). The servicer for our residential property admitted to the interest rate calculation error in their response to our CFPB complaint. 

Current Complaint : Shellpoint Mortgage Servicing has not updated our account information reflecting the servicing error they reference in their letter dated XX/XX/XXXX. We are requesting that Shellpoint Mortgage Servicing provide our correct loan balance. 

Thank you for time and consideration.
Product: Money transfer, virtual currency, or money service

In the midst of the pandemic I turned to an online company selling toilet paper. I paid {$32.00} for toilet paper from a company called XXXX under the XXXX umbrella of scam companies. They are now defunct. I order the product on XX/XX/XXXX and then canceled it on XX/XX/XXXX. I reached out to the company via the service email confirming to cancel the shipment on XX/XX/XXXX. When I inquired about it I was told it was already sent but the time stamp they provided was XX/XX/XXXX, so no in fact they did not honor my cancelation request. Weeks and month went by and no movement of the package. Did I mention this was being sent from XXXX. I reached out to Payapl several times to help resolve and dispute and there was no movement by them and they said the Seller confirmed shipping, but did not see that there was nothing going on with the shipment. Paypal seemed to support their Seller more than they did me as the US based customer. Paypal is part of the problem as they have the power to refund my account since I used them to process the payment. The seller did not act in good faith and has set up many of these shell companies to sell pandemic related products. XXXX XXXX has allowed this price gouging to occur and continue to support the Seller even with it has been over three months where the product has not been delivered. I attached my email to Seller requesting to cancel and refund order and the shipping label when the product was sent a week later. As of today XXXX product as not arrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX preferred # XXXX And XXXX XXXX XXXX closed A/c # 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 states a consumer reporting agency can not furnish account without my written instructions.
Product: Checking or savings account

Today I received two 1099-INT forms from Citibank ( one is correct, while the other is totally wrong ).

For the first and correct 1099-INT form, it shows my interest income from Citibank in the year of 2021 in both my Checking account and Savings account. Within the checking account interest income, it includes the {$700.00} new account promotional bonus that I received last year. 

For the second but totally wrong 1099-INT form, it shows {$1500.00} Bank Promotions from Citibank. However, I never received this {$1500.00} promotions from Citibank last year at all. Note that I only received {$700.00} promotional bonus in my Citibank Checking account and this {$700.00} bonus was already included and counted in the first 1099-INT form. Apparently this second 1099-INT form in the amount of {$1500.00} is totally WRONG and should NOT exist for my Citibank account at all. Unfortunately both 1099-INT forms were reported to IRS by Citibank.

I request Citibank to take immediate correction to withdraw the wrong 1099-INT form in the amount of {$1500.00} from IRS. Citibank must take immediate correction with IRS and also send me the correction for my record and tax return purpose as well.