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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX APT XXXX XXXX, IL XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed CREDIT COLL ( Original Creditor : XXXX XXXX IN ) XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Collection
Product: Student loan

On XX/XX/2018, I went on my online Nelnet account to check up on my student loans and the interest that is accruing on them. I am on a REPAY plan and I frequently check the amounts and pay the interest amount at least once per year in order to stop the interest from becoming capitalized. I noticed that some of my loans had listed that some interest had capitalized. I called Nelnet the same day I noticed the capitalized interest listed to find out when and why it had happened. I was told that interest capitalizes when payment plans change but had to repeatedly ask for when the interest was capitalized. I was incorrectly told that in XXXX my loan payment was changed to REPAY ; it was, in fact, not changed it was renewed and as stated in the renewal application would not cause capitalization of unpaid interest. After asking a number of times I was then told that interest capitalization had occurred when my student loans exited the six month grace period after graduation. I had made a payment before the end of the grace period in order to avoid capitalization and mentioned that to the customer service representative. I asked for how my payment was allocated to the loans and was told that some of the payment was allocated to interest then principle balances and some of the payment was allocated to principle balances despite the fact that the payment was sufficient to cover the interest of all of the loans. I asked why that had happened and waited a significant amount of time on hold to be told that it was, in fact, mis-allocated and the payment should have gone to all interest before paying any principle balances. I was told that I can reallocate this payment to cover the interest but because the mis-allocation had taken place close to a year and a half ago that all payments would then be affected and my loans could become delinquent. I am worried this is could be intentional to cause capitalization of interest.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 my XXXX XXXX was hacked and XXXX ETH XXXX current XXXX value of {$100000.00} XXXX was transferred out of my account with no authorization on my behalf. I contacted XXXX and was not able to get a live representative. When I let them know their platform was hacked and my money was stolen they sent a very generic e-mail and then a follow up e-mail that the account was " resolved '' and " closed ''. 

They advertise their wallet as a " secure '' place to store money yet it was easily hacked and my life savings gone. As a result, I am in immense financial and emotional distress. XXXX has done nothing to help. Avoid this company at all cost. They settled in the past for a money laundering case.
Product: Mortgage

Stearns Lending assumed my home mortgage from XXXX in XXXX 2013. We added Stearns to our condo insurance policy as an additional insured at that time. Subsequently Stearns notified us that we did not have coverage and would provide hazard insurance for our property. We replied to their correspondence with proof of insurance coverage and Stearns replied that their hazard insurance had been canceled but that due to a lapse in our coverage we were charged {$34.00} and an impound account was initiated. We have never had a lapse in coverage on our property. There has been a continuous policy in place first with XXXX and then with XXXX XXXX. There has been no lapse. 
We have continued paying our mortgage on time with full principle and interest payments. We do not believe we should be charged for the {$34.00} premium or the escrow account. Stearns has now charged us late fees and submits us to a barrage of harassing " collections '' calls. I have invested much time and aggravation in attempting to clear up this matter dealing with a very difficult customer service organization at Stearns. I would like this matter resolved and my account statements corrected. Recently Stearns mailed me a check for {$150.00} with no explanation. Since I am clear that I have made the appropriate payments I will not cash this check, but do expect Stearns to correct my account statements to remove all charges for insurance and escrow withholds, which I neither need nor want.
Product: Debt collection

Received phone call from XXXX XXXX XXXX XXXX stating that they were DFC legal services and that my wife owes them money from10years ago. We contracted the actual company that she owed money to and they said that the debts so old that it did n't to be paid and that the collection had already been sold and that was n't too XXXX legal. They continue to call back even after a years worth of time and have yet too send any requested info to our address.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Please see attached drivers license, social security card, proof of address, FTC Identity Theft Report, and complaint letter.
Product: Checking or savings account

Due to COVID 19 I am currently based outside the US and I am based in XXXX. I need to make Bill Payments for my financial commitments in the US via Wells Fargo Bill Pay.

Since I am outside the USA, I don't have a US Cell phone number and I have been asked by Wells Fargo Online to confirm my identify when I tried to add bill payer XXXX XXXX XXXX XXXX to my Wells Fargo Online profile.

I have spoken to Wells Fargo Online about this matter on several occasions and nothing has progressed on this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, a XXXX  party servicer, has been sending my private information to credit reporting agencies about student loans for more than a decade on individual and co-signed loans. As a XXXX  party servicer, they had no expressed permission to do so, and release all of my identifiable information ( XXXX, XXXX, name address ) to Experian, XXXX, XXXX, and XXXX especially since XXXX had a major security breach that I was involved in. They have never made it clear by whose authority they believe they have the right to release this information. 

I have called and complained to customer service that they are not suppose to release private information to credit agencies pursuant to FERPA and teh Privacy ACt of 1974. My requests have been ignored. However, I have discovered that XXXX has a history of doing this to consumers, which has resulted in legal action in the past by others. 

There actions have damaged my credit score rating and hindered my ability to conduct business and access other forms of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with XXXX XXXXXXXX XXXX and I always made my payments on time. For some reason, I realized that there were 30 days of late payments for the month of XX/XX/2021. I have read enough to understand my rights. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like remedied ASAP. 

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

After disputing fraudulent information in my myEquifax account, Equifax will not remove the fraudulent information. This includes a name, birthdate, addresses, and multiple delinquent accounts that are not mine. I have provided Equifax with documentation to verify my identity and gone through their online dispute process multiple times since 2021, but the fraudulent information still shows up when I request my credit report through the myEquifax account. The most recent dispute states that they were able to verify the disputed information, which can not be possible since I've never had lines of credit at any of the companies listed in my report. They are also mailing the dispute resolution report to the person whose information is listed, so this person has access to additional personal identifying information about me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate credit reporting on my account that has severely impacted my credit standing. # # Detailed Dispute Information - **Current Credit Score Impact** : Reduced from XXXX to XXXX - **Account History** : Consistent history of timely payments and automatic payments - **Specific Incident** : Unexpected annual fee and late payment reporting - **Undisclosed Debt** : No prior notification received about outstanding fees # # Phone Call Details On [ Date ], I spoke with a XXXX  XXXX representative who :- Confirmed the account has been in good standing since XXXX - Verbally committed to sending a notification to Experian on XX/XX/XXXX - Agreed to waive the fees and remove late payment markers - Provided no written documentation of this commitment # # Legal Basis for Dispute I am invoking my rights under : - Fair Credit Reporting Act ( FCRA ) - Fair Debt Collection Practices Act ( FDCPA ) The reporting of this debt violates consumer protection standards due to : - Lack of adequate notification - Reporting of unverified financial information - Significant negative impact on credit score without proper communication # # Requested Actions 1. Immediate investigation of the reported information 2. Removal of all negative markers related to this annual fee 3. Restoration of credit score 4. Provide written confirmation of investigation results # # Documentation Attached are supporting documents demonstrating : - Account payment history - Lack of prior notifications - XXXX  XXXX call reference information # # Legal Recourse I am simultaneously filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). Failure to investigate and correct these inaccuracies may result in further legal action.
Product: Credit card or prepaid card

I was charged more than what I owe. The amount they charged me is XXXX dollars this month on my Paypal Mastercard credit card. My last month due was XXXX on XXXX XXXX. 
My payment of XXXX dollars was returned. They charged me return fees of XXXX but refunded it. 
However they billed me XXXX dollars this month. I have not used this card after XXXX XXXX so this billed amount is wrong. I tried to talk to PayPal but they are not helping me. 

Also they made some fake charges on my account for example XXXX dollars charge. They made this charge serval time
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, i am writing this affidavit to inform that i have been a victim of identity theft and i am just now figuring out how to resolve this issue and restore my credit. During Covid -19, I noticed a dramatic negative change in my credit report. At the time, i was facing a financial hardship and did not have the resources to find Identitytheft.gov or review my scores again until now. I have counted over 30 wrong addresses listed with XXXX ; 15 potentially negative items from unauthorized creditors such asXXXX XXXX XXXX XXXX XXXX  Tennessee Dept of Humn SVCSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As well as over 6 incorrect spellingsversions of my name. One creditor shows someone named XXXX that i dont know as a Spouse or co-applicant. I have well over 11 hard inquiries and 25 soft inquires that i did NOT authorize.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) States I have the right to privacy. 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA defames my name reporting to CRAs & CFPB that I reported XXXX XXXX. {$120.00} Fraud in XX/XX/XXXX with allegations of me trying to collect rfunds not due me reporting fraud on A RETURNED ITEM. And .... THIS IS A LIE! see attatched letter of XX/XX/XXXX TOP READS FRAUD CLAIM INVESTIGATION RESULTS and says We have completed our investigation of the following CREDIT CARD ( TRANSACTION ) and gives a Transaction date of XX/XX/XXXX NOT A CLAIM DATE It further says The credit we deposited at the beginning of the investigation HAVE BEEN REVERSED. They were reversed XX/XX/XXXX NOT THE SAME MONTH THEY WERE PURCHASED XX/XX/XXXX. see attatched letter XX/XX/XXXX TOP SAYS CREDIT CARD FRAUD ( CLAIM ) with a Claim date of XX/XX/XXXX USAA PLEASE INFORM THE CRAs you were wrong to clear my name. Please retrain Ms XXXX and ALL THE OTHER too numerous to mention that have lied to me for 2 years so this does not happen to others.
Product: Debt collection

I purchased a car from a dealership that was a lemon. I returned the car made all the payments and Capital One still reported my payments late when in fact that is an error. I called them to clear this up and they said in there system this wasn't late. However on my credit it still is showing up that i was late. the Car is paid off and I was never late.
Product: Checking or savings account

XX/XX/XXXX I deposited 2 checks into my Chase checking account. One check was in the amount of {$6700.00} and the other was in the amount of {$4900.00}. Since then, my account has been locked/restricted due to Chase 's verification system. I've worked tirelessly to accomidate Chase by providing them phone numbers they can reach out to in order to verify the checks. Each time they tell me the numbers can not be verified, therefore my funds remain locked. As of today XX/XX/XXXX I find out that my account was marked for fraud and is set to be closed. All funds that were populated ( however locked ) have been cleaned out from my account and I have a {$0.00} balance. They told me there's nothing they can do since they couldn't verify issuance of the checks. I've talked to Chase representatives multiple times in the near 2 weeks since the checks were deposited, and not once was I informed that failure to verify issuance of the checks in a certain time frame would result in closure of my account with no warning from Chase. I opened my Chase app to see a {$0.00} balance and had to call them myself to find out my checking account had been marked for closure due to fraud.
Product: Debt collection

I have XXXX debut collections with mcm. XXXX account is with XXXX XXXX ( XXXX ) as for the other is with XXXX XXXX ( XXXX ). I placed a dispute for both of the accounts requesting the XXXX and stating I do not have my wet signature with a contract with them and have not heard back. That dispute was place XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I XXXX my vehicle that had a loan opened through XXXX XXXX XXXXXXXX XXXX. I received a letter in the mail from a XXXX asking me to call her. I got in contact with her and I agreed to continue making payments on my vehicle until it was paid off. We can up with a payment plan that would have the loan paid off by the end of the year. She also asked me if I wanted them to place my vehicle with a company they use to auction off vehicles, and I said yes. My vehicle sold and they deducted that amount from what I owed on the loan. I have an account with Experian so I stay up to date on my credit report. XXXX XXXX XXXXXXXX reported that I did not pay off my loan and reported that my vehicle was a charge off, these reports negatively impacted my credit score, and it reduced my credit score. I went in to the bank and spoke with them, the individual I spoke to assured me that my account had not yet been updated, and after it was updated and showed that I paid off the vehicle in full, those negative reports would be removed, and the accurate report would show up, however, that was not the case. They never did report anything positive on my vehicle loan, even though I kept my agreement and paid off my vehicle before the end of the year. This dropped my credit score and it caused me to get a really high interest rate on the next vehicle I purchased, 12 %. I would like the information to be removed from my credit report. I paid the loan in full, and my credit report should reflect so. Thanks for your help.
Product: Credit card

I was charged twice for a payment on XXXX/XXXX/15. I contacted Kohls and also my bank to let them know. I was told by Kohls I would be receiving a refund for the duplicate payment. On my next bill ; I was charged again for the {$29.00} and assessed a returned bank fee of {$25.00}. I contacted customer service and they were of no help. I told them to cancel my account. I should have a credit balance of {$30.00}. I have enclosed copies of all my documentation.
Product: Debt collection

I received a voicemail from a woman calling from XXXX. My phone registered this call as " Potential Scam. '' The voicemail implied that I had an outstanding debt with " XXXX XXXX XXXX, '' which had gone to collections. I was told I owe over {$1200.00} and that I had to call back the caller ( whose name was garbled and I could not make out ) at a different number than the one she was calling from. The number the caller provided to call back was : XXXX. She also provided an " account number '' that I was to provide upon calling back : XXXX. This woman also said she worked atJoseph, Mann & Creed, a debt collection firm. The woman used my first name, but not my last name. 

I have no idea what this debt could possibly be connected to and I believe it to be completely bogus. I have never had an insurance policy with " XXXX XXXX XXXX. '' I am careful to pay off all of my debts in a timely manner, and my credit report, which I downloaded today ( XX/XX/2020 ), indicates that any debts I have are associated with credit cards that will be paid off in the next billing period ( as I pay down my balance each billing period ). It is also worth noting that I have received no mail about this alleged debt and this cryptic voicemail is the first I've heard of any outstanding balance -- or even of the company I allegedly owe said balance to. 

Moreover, a search for Joseph , Mann & Creed reveals that numerous other people have been contacted by this company with the same claims. Individuals who complained of the same issue also indicated that they had never heard of XXXX XXXX XXXX.
Product: Debt collection

We've sent two letters to Meridian Financial Services requesting debt validation which they've failed to do in the timeframe that they're supposed to. They call but won't help outside of collecting payment. We need our debt returned to XXXX XXXX so we can cancel our timeshare.
Product: Debt collection

Well for months I've been getting emails ( tons of them ) from Lexington Law Firm about consolidating my debt but I'm not sure if I have ever contacted this Firm. I just mostly delete the emails because again I don't know how or what company sold my information to them. 
The last email I received from Lexington Law is dated XX/XX/year>. I just want the solicitation to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXXDate Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Company contacted family members numbers I did not provide over the past month. I contacted them today on XXXX-18 spoke wothXXXX the lady she then told me she knew who I was and that she knew I went to school with her daughter and she knew a lot about me per social media. After looking into it. I did know he daughter who I went to school with she had given my name and personal information out to her daughter which was looking and following my social media for information and both mother and daughter was talking about my financial information. This is a branch manager and this should not be tolerated with giving personal information to anyone especially family member of company.
Product: Debt collection

Called today, left no message. I have no unpaid debts.
Product: Credit reporting

I have submitted several " account verification letters '' to Equifax about accounts that do not belong to me, and I have no knowledge of. I have asked the credit bureau to provide me with their verification method as well as verification that the account belongs to me. The credit bureau just sends me a letter that states " verified '' without any other proof that the account is mines. 

Account : XXXX XXXX XXXX ( {$180.00} ) Account : XXXX XXXX XXXX ( {$220.00} )