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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Product: Credit reporting

I have attempted by indentification documents, documents citing the name change by the social security administration, to include the merging, mixing, and citing that there are XXXX such individuals with the same name as I have, citing that in a letter from the social security administration, and instead this corporation instead of accurately investigating the issue, just includes the others name on my credit report, and states that they verified the information, which is factually inaccurate. Experian is the worst, in support of the organizations that pay them, they will just restrict consumers from disputing online, citing they have already investigated a issue, when in fact they have n't, but still get paid to perform the same. In my mailing the dispute, i included IRS forms XXXX, XXXX, Social Security Cards, income verification from the social security adminstration, address verification showing my actual name, and it was ignored for profiteering. 
On my credit report there appears XXXX name identifications which are n't mine, neither as included in my dispute mailing per the social security verification system, does n't verify to my social security number, yet Experian states that such is verified, which is factually inaccurate, and malice in support of financial gain. The names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all are someone elses. To wit, XXXX XXXX XXXX XXXX, is my son, XXXX, date of birth XX/XX/XXXX. XXXX XXXX XXXX is my brother, XXXX, XXXX XXXX is XXXX. Experian allows unauthorized inquiries, and items upon the credit report, without verification of even the correct name, it 's profiteering, not investigating motivation.
Product: Debt collection

EOS CCA is attempting to collect on a account that dont belong to me. I was resently notified by my credit monitoring service that I have a collection account that just appear on my credit file. I am not the rightful owner of this inaccurate and illegal account. I have never live at the address associated with this account. It is showing a address XXXX XXXX XXXX XXXX XXXX Massachusetts. This is the same inaccurate and illegal account another collection company XXXX XXXX XXXX XXXX attempted to collect on. I file a complaint with the CFPB on XX/XX/XXXX of last year and had this exact inaccurate and illegal account remove. These collection company just move these inaccurate and illegal account from one collection company to another placing them on customer credit reporting Hoping someone that doesnt own the account just pay. These collection company know that this is unlawful and violate the Fair Credit Reporting Act requirements. 


I am providing proof documentation of my State issued drive license as proof of my address for the past 15 years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX DOB XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Bank on XX/XX/XXXX under the account number XXXX account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX XXXX XX/XX/XXXX Account Number XXXX. 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 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

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 PA XXXX XXXX : ** Request for Investigation and Removal of Inaccurate Information Under the FCRA Dear TransUnion Consumer Solutions , I am writing to formally dispute certain inaccurate, outdated, or unverifiable items on my credit report. These items are listed below, and I am requesting that they be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXXAccounts in Violation of FCRAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account XXXX XXXX XXXX XXXX XXXX XXXXIssue : XXXX  This account shows delinquency beginning XX/XX/XXXX, but it is scheduled to remain until XX/XX/XXXX. This exceeds the FCRA 's seven-year reporting limit for negative information. 
- **Requested Action : ** Remove this account from my credit report. 

XXXX. **Account Name/Number : XXXX XXXXXXXX ( Account Ending XXXX ) ** - **Issue : ** The account status was disputed and updated without independent verification. FCRA Section XXXX mandates that disputed information be verified independently or removed. 
- **Requested Action : ** Remove this unverified item unless full documentation can be provided. 

XXXX. **Unauthorized XXXX XXXX - XXXX : ** My report lists inquiries by [ e.g., XXXX ] and other entities that I did not authorize. 
- **Requested Action : ** Remove all unauthorized inquiries unless documentation of my consent is provided. 

XXXX XXXX XXXX  Supporting Information : I have enclosed a copy of my credit report highlighting the disputed items, as well as any supporting documents that may assist your investigation. 

XXXX XXXX XXXX Legal Obligations Under the FCRA : As mandated by the FCRA, you are required to : XXXX. Investigate my dispute and respond within 30 days. 
XXXX. Remove or correct inaccurate, outdated, or unverified information. 
XXXX. Provide written confirmation of your investigation and resolution. 

Failure to comply with these requirements may result in legal action for violations of my rights under the FCRA. 

XXXX XXXX XXXX  Requested Resolution : Please remove the identified items from my credit report and provide me with an updated copy reflecting these corrections. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe. 

Sincerely, [ XXXX XXXX ] **Attachments : ** - Copy of credit report with disputed items highlighted - Supporting documents
Product: Credit reporting

I have supplied them and the credit with the information attached and this information is still on my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute date account open for Nelnet Loan Services The date account open is incorrect for US Nelnet Loan Services account on my credit report. I am requesting that this Nelnet Loan Services account is deleted off my credit report and credit file.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAVY FCU - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAVY FCU - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Checking or savings account

My XXXX had accounts with PNC Bank. She passed away last XXXX. Once the bank was advised she passed, they started withholding interest on her account. I disbursed the funds from her account to the heirs and then tried to get the withheld interest. I called them on XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first 3 times they said they were going to send me a form to complete to get the interest. Never did they send me the form. Today when I called, I verified my address ( which they have in the system because I've been on the account before she died ) and they asked me what form was I supposed to get. I said I didn't know and got hung up on. I also noticed today that they put a {$15.00} charge on the account and couldn't explain why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a balance of {$510.00} on the XXXX XXXXXXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have also attached the letter with confirmation number showing that this account has, in fact, been settled. This incorrect reporting is harming my XXXXredit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.
Product: Credit card

I received a charge on XX/XX/XXXX on an account that had been closed in XXXX of XXXX for the amount of {$26.00} for a purchase made out of state. I had previously spoken with FNBO and was told that the fraudulent charges would be removed. When I questioned how this happened, I was told that it is company policy to issue a new card in a cardholder 's name when an account has been closed. Without the cardholder 's knowledge. Now the charges still exist, and they expect XXXX  to pay them.
Product: Credit card or prepaid card

My XXXX balance paid off XXXX card had a fraudulent cash advance in XXXX and XXXX of XXXX. This charge was done online by stealing my login, my physical address, email and phone number were changed on the account so I was not notified. The person tried to pay off the charge with my linked bank account and this was when I was notified as I did not have the funds in my bank account. I reported this with XXXX XXXX  and they told me all was determined fraud. I was told by XXXX that since my address was changed and I flagged and closed the account they could not send me this determination of fraud in writing. 
The fraudulent {$9600.00} {$9000.00} principal {$450.00} interest {$170.00} fees I was also told by XXXX that the fraudulent party opened a checking bank account under my social linking the accounts on line. They closed all these accounts after I alerted them. 
XXXX XXXX then sold my account to a debt collector in XX/XX/XXXX to Midland credit management. They did this after they told me I had no responsibility to the charges and it was all marked fraud. 
I do not have the statements that were fraudulent as my contact info was all changed. The address they altered is a XXXX XXXX dollar home, and not mine. I live in a lower income dead restricted address.
Product: Mortgage

My mortgage/home loan was purchased by Fifth Third Bank. I have tried to setup an an automatic payment via their website/online ; they do not offer this capability. If I try to call them - no one is available to speak to and the " hold/wait time '' is longer than 30 minutes. Instead I have to log on each month and create a monthly payment online ; their systems are so compliated and inept - they have " over collected '' on effort to reduce my principal twice. Again - I have tried to reach them by phone to find out how/why they are unable to properly process my payments - but again if I call someone the wait times are longer than 30 minutes. 

Not sure how in this day and age all roads having to speak to someone " live '' at their company and they can make me have to wait for more than 30 minutes. Initially - just signing up with this banking organization was nothing short of horrific. Worse banking experience I have ever encountered. Again - I could not " log on '' and create my Fifth Third online account without someone stepping in and helping me over the phone.

During the pandemic - its hard enough to get by without the additional hoops and hassles this bank has caused me. Thinking of refinancing just to get away from these fools.
Product: Bank account or service

US Bank applies over draft fee 's on my account, based on the available account balance. They calculate the available account balance by subtracting my " Debit Card Authorizations '' from my actual account balance. 

" Debit Card Authorizations '' are defined below. 
" When you use your debit card as credit, and authorize payment without using your PIN, the final charge will be submitted by the merchant and reflected in your Account Balance once complete. Meanwhile, these transactions appear as Authorization Pending in your pending transactions list. 

Some authorizations may not be shown between XXXX and XXXX Central Time due to processing. " So this means they are charging me overdraft fee 's on pending transactions. These pending transactions have not completed and been paid yet. They subtract my pending transactions from my balance but not add my pending deposits until they have fully processed. 

I think if they are going to count my pending withdraws against my balance they should also count my pending deposits against my balance as well. 

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

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$83.00} XXXX  Inquired on XX/XX/2020 XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2020 XXXX
Product: Checking or savings account

Iv submitted a complaint in hopes that the bank in question would help me. Iv recieved one phone call and was promptly hung up on when I answered. No attempt at a return call, no email and no correspondence in regards to. Iv spent the entire day today. XX/XX/year> driving to several branches of suncoast and spent hours of my work day attempting to contact this bank. All these attempts were documented by bank staff. Everyone iv spoken with have absolutely in no way tried to help me. All they do is say sorry nothing we can do. This is absurd to say the least. I am in no way responsible for a returned check from a home owner. These things happen when your doing business. Iv included the details in my previous complaint. This new complaint is for the absolute disregard for me and my company and all the damage this bank is doing to it as a result of. They could care less that there in-ability to handle fruad is being placed on there customers. They say it's the system. It's not there fault. In the mean time my accounts are in the negative. I can't cash checks. I can't pay my employees. I can't even work because I don't have money to buy materials or even gas with!! All the while I spend countless hours of life and time trying to do there job! 
I need this bank to be aggressively pursuing this matter! I need this bank to go above and beyond to correct there mistakes! I need this be held accountable for there mis managent of there customers accounts!
Product: Debt collection

Express Recovery Services  is attempting to collect account that I had record had already been paid. Also, a request for validation of this account was sent on   XX/XX/XXXX    , after talking to the original creditor, and  Express Recovery Services  has failed to respond. They are reporting an amount owed of {$100.00}, which I do n't believe I actually still owed as this was paid to  XXXX   XXXX . Since they do n't respond to validation requests, I have been unable to verify this account or amount owed.
Product: Student loan

Hello, I am participating in the Public Service Loan Forgiveness. My student loans at held by MOHELA. I have XXXX months of payments that need to be refunded and have not heard any information about the progress. I have called MOHELA multiple times and they have not provided any proof of processing the refund. 

Additionally, I have XXXX month of payments that they have not added to my account. One of these payments they have as ineligible because I was on a 3 month forbearance. I was not notified of the forbearance until after the XXXX months were over. I have been unable to come to a resolution with MOHELA and am becoming very frustrated with how my federal loans are being handled. 

I have no supporting documents to upload as they have told me everything is internal and there is no copy they can provide to me. 

I would appreciate any assistances with my student loan refund ( {$2900.00} ) and updating mu account payments. Thank you.
Product: Mortgage

Normally, Arvest sends it's mortgage statements at least 20 days in advance. For example, the XXXX statement ( due XX/XX/2022 ) had a statement date of XX/XX/2022. I get the statements a couple of days later and pay it long before the due date. In XXXX, however, something happened. Arvest set a statement date of XX/XX/2022 with a due date of XX/XX/2022. Clearly, I could not get the statement and pay it before the due date. Further, the statement was apparently mailed late, since I didn't receive in until XX/XX/2022. In the statement, they state if the payment is not in their hands by XX/XX/2022, there will be a late fee of {$92.00}. This is clearly wrong. I called the company and was informed that since I could make a payment without the statement, that the late fee would still apply, even though it was their fault that the statement was late. I feel this is unfair. For the record, I have never had a late payment. 

I have included copies of both the XXXX and XXXX statements.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected due to identity theft. 
ACCOUNTS : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} XXXX. XXXX XXXX  XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX  XXXX  Date of XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I have identified an unauthorized account on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX Opened XX/XX/year> Balance : {$0.00}