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

This CFPB comolaint has. been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax, and XXXX 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. I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX. An auto loan account was opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX with a balance of {$2100.00} A lease or factoring company account loan was opened at XXXX XXXX XXXX opened XX/XX/XXXX : Account number XXXX, with a balance of {$700.00}. A factoring company loan at XXXX XXXX was opened on XX/XX/XXXX, account. # XXXX. And account at XXXX XXXX XXXX. XXXX Opened on XX/XX/XXXX. XXXX : with a balance of {$720.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I am writing to dispute incorrect variations of my name listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Accurate information is essential for fair credit reporting, and it is my legal right to have this inaccuracy corrected. 

Per the Fair Credit Reporting Act, Section 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. The inclusion of these variations does not reflect my true name or address, which is : XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX FL XXXX I request that you investigate this matter and remove all incorrect or duplicate variations of my name and address from my credit file. To assist your investigation, I have included the following documents : A copy of my government-issued ID showing my correct legal name and address.
Product: Debt collection

account is listed as an open account type and collection pay status with a past due amount of XXXX. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.
Product: Money transfer, virtual currency, or money service

I received a welcome message from Venmo to my email address that I use for my Apple account. 
I do not have a Venmo account used for my apple account for my email address at XXXX, yet I received an email on XX/XX/year> at XXXX XXXX  to welcome me to Venmo.
Product: Prepaid card

Vanilla gift card XXXX XXXX case XXXX XXXXXXXX I just opened ( see picture ) a gift card from XXXX ( purchased at XXXX ) and the balance was XXXX. When I put in the card number and information, it showed it was activated and used for XXXX, I did not make or authorize this purchase and never heard of XXXX. I XXXX XXXX and nothing was found online, this is not a company or merchant!! I have requested a new card with {$100.00}. 

I called the customer service line and spoke with a person, he opened my case and told me to submit the attached documents. I am attaching the front and back of the visa card I just opened TONIGHT and my DL to open the investigation. Once the investigation was opened I tried to put in the card information to get the details for the account and the card is inactive so I don't have the details on the fraudulent transaction. I XXXX  vanilla fraudulent changes and this seems to be a common problem I didn't see the results that most of the complaints were resolved by returning the stolen funds. 

This was a gift card and I wasn't given the receipt but I will ask my daughter to attempt to find the receipt or get the transaction register from XXXX.
Product: Debt collection

I was contacted by American Elite Recovery around XX/XX/2019. They informed me that I had a {$500.00} debt to a XXXX, payday loan company that was outstanding. 
I told them I was unaware of this. 

I agreed to pay {$75.00} via my debit card over the phone that day. Then setup payment arrangements for {$150.00} approx over 2 more payments until the amount was satisfied in full. 

I called them back to ask for some verification of the debt. When I did they got nasty with me. 

They would not give me their address to request in writing proof of the debt or any notification. 

They told me if I do not pay this debt of a remaining {$420.00} that they would send a police officer to my house and I would be arrested and go to jail. 

When I simply asked for some verification of this debt and the company, American Elite Recovery, they told me that my " wishes would be granted and they would now see me in court and I would spend XXXX in jail and I would not see my Son for XXXX because I will be in jail ''. 

I find this strange over a {$420.00} debt being owed. I have never received any notifications in the mail. Or via any sort of proof of owing this debt. 

There are NO phone numbers to contact XXXX I have looked all over the internet trying to find a contact number for this supposed " original creditor '' This needs to be resolved somehow please.
Product: Mortgage

To Federal Trade Commission We live in the state of Florida which was hit by Hurricane Irma last XX/XX/XXXX. XXXX XXXX owns our mortgage, and XXXX XXXX XXXX, XXXX is debt collector in charge of processing payments. Due to the impact of the Hurricane Irma, XXXX XXXX   gave us a 6 months mortgage relief option to with a due date as of XX/XX/XXXX. This mortgage forbearance agreement provided customers with the option of making partial payments, and we the debtors were able to make partial payments from XX/XX/XXXX to XX/XX/XXXX. We made {$480.00} partial payments every month, which equals to {$2800.00}. Our mortgage payments are up to date but Ditech have the wrong amount on their website. 

Breakdown of Payments made to Ditech Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Payments made in XX/XX/XXXX Electronic Payment XX/XX/XXXX {$3000.00} Electronic Payment XX/XX/XXXX {$1200.00} Electronic Payment XX/XX/XXXX {$1500.00} Total amount paid to Ditech by XX/XX/XXXX {$8600.00} Please see below all payments made to Ditech Financial LCC Still today Ditech Financial has been unable to bring our mortgage account up to date. We have used all forms of communication with Ditech, phone calls, and electronic media, and Ditech has not corrected their accounting errors in their computer system, we have requested in writing that our account be reviewed and our payments correctly be applied to the amount due. If you have any questions, feel free to contact us at XXXX or XXXX. 

Thanks, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ca XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Dear sir or Madam, I am writing to dispute the following items on my credit report, which I believe to be inaccurate and incomplete. 

XXXXXXXX XXXX XXXX # XXXX As per my rights under the fair credit reporting act ( FCRA ) I am requesting that you investigate these items and remove them from my credit report if they are found inaccurate or incomplete. I am also requesting that you provide me with a free copy of my credit report once the investigation is complete. 

Enclose with this letter are copies of documents supporting my dispute please investigate this matter and provide me with a written response within 30 days. If you are unable to complete the investigation within 30 days, please inform me of the reason for the delay and the expected completion date. 

I appreciate your prompt attention to this matter Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. These are the inquiries that are reporting on my Credit Reports that need to be REMOVED : XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : Account Number XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update the account to PAID/NEVER Late and send me a copy of my updated credit report
Product: Debt collection

The company did not respond to my complaint. I have forwarded the response from the company and my response below. This is under the 180 days and I want it removed. 

seems this " complaint '' was filed prematurely as the consumer probably should have contacted insurance FIRST before filing a complaint. This consumer was sent numerous billing statements prior to being referred to our office for collections. Our office sent the debtor two written correspondences prior to reporting this to a credit reporting agency.Based on the accounts in collections, these debts appear to all be balances after insurance, such as a copayment, coinsurance or deductible.
Product: Credit reporting or other personal consumer reports

These reported late payments are not reflective of my consistent payment history.
Product: Checking or savings account

I am filing this complaint regarding Navy Federal Credit Unions practice of fraudulently imposing overdraft fees on my account. Despite maintaining an adequate balance or ensuring my transactions were covered, I noticed recurring overdraft fees that were not accurate or justified.

Upon further research, I discovered that these practices align with a pattern of behavior currently being addressed in a class-action lawsuit. I believe my experience is consistent with the claims in this case, and I want to ensure I am included in the class action and considered for any potential settlement payouts.

Navy Federals actions have caused financial strain and mistrust in their operations. I have reached out to them directly but have not received a satisfactory resolution.
Product: Credit card or prepaid card

I purchased a XXXX XXXX  rollator and was charged the first of 5 easy pay, payments, which I received the product on or around XX/XX/XXXX, or XXXX XXXX and due to the product not having a seat on it, it was returned on XX/XX/XXXX. It was returned to XXXX and I charged the product to Capital One, and Capital One now refuses to give me my money back, they did a temporary credit and on XX/XX/XXXX, they said I haven't sent in all the requested documentation they keep asking for a cancellation policy, I asked them what cancellation policy, it wasn't a hotel room, I had a 30-day money back guarantee. and I had returned the item in the allotted time, I sent them the notice stating that there was a 30-day satisfaction money back guarantee. They are illegally withholding my refund and now they continue to send me letters that because they haven't received the proper requested documentation, that they have closed my dispute and will not be refunding me any money. If have any issues I am to follow up with the merchant directly, I am XXXX XXXX XXXX and I don't know who to contact and I sent them back everything that was in the box. How can they continue to withhold my refund, my money didn't go directly to XXXX, Capital One put the charge on my account and they have had every excuse from, the tracking is insufficient evidence to they need a copy of the cancellation policy. This is illegal to not giving me a refund and to prove the merchant got the product back, I have a charge of XXXX on my card for shipping. can somebody assist me in resolving this matter? I am attaching all documents including letters, one states they would like to help but I have no account with them.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the reporting of the above-referenced account, which has been reported as both a collection and charge-off. Upon reviewing my credit report, I noticed that there is still a balance reported on this account after it was charged off. This reporting is incorrect and is negatively impacting my credit score. 

Additionally, I am concerned that there is a past due balance showing on this account while the report also indicates a charge-off status. As you are aware, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, creditors must report accurate and complete information. The inclusion of both a charge-off and past due balance is a violation, as it is misleading and does not reflect the true status of the debt. I demand that this account be deleted from all three major credit bureaus to ensure compliance with the FCRA
Product: Debt collection

While viewing my credit reports I noticed a negative mark from the following company Portfolio Recovery who I have never done business with. 
For One I do not have a contract with this company, second this company has never provided me any funds, money, property etc which I would owe a debt to them. 
Portfolio Recovery has caused me great harm by reporting unverified, inaccurate information to the credit bureaus. Which is a violation of FDCPA 15 USC 1692g. 
This company has never provided any proof of debt or transaction between myself and the company but they are reporting to the credit bureaus negative information. I also never gave this company consent to my personal information to used to try to gain a profit, Which is also identity thief. 

This company has stolen my identity for profiting purposes and violated the FDCPA.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$27.00} XXXX XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

My XXXX XXXX stopped working and I had to get a new phone. I had XXXX XXXX for BINANCE.US login security feature on my XXXX XXXX. I had to get a new XXXX  XXXX. I can't access my original XXXX XXXX any longer and it doesn't transfer over to my new XXXX XXXX. I contacted BINANCE.US about my issue. They requested my original ID used to sign up, a video recording of myself and me holding my documents. I submitted everything they requested and its been almost a month with no response. I emailed them asking the status of my ticket without a response.
Product: Money transfer, virtual currency, or money service

Paypal XX/XX/2023 Gains and losses to crypto currency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX : {$1200.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account.
Product: Checking or savings account

Hello, On XX/XX/XXXX my US Bank Checking account was put under review for XXXX transactions I authorized out of the account and has been set to close ever since then but has not been officially close and my funds have been frozen ever since. 

Since that date, I have called 10+ times as well as visiting my local branch and have received a multitude of answers from service representatives. 

An agent told me I can go up to my branch on XX/XX/XXXX to collect the {$1900.00} balance in the account to which the branch manager called the back end and it was confirmed thats not the case and my funds are still on hold. 

I have been told this process would take a week but here I am a month later without my funds and have recieved ZERO correspondence via phone, mail or email about this whole ordeal and I am wondering if I will ever see my money again. 

The account is not closed and they are using that excuse to not disperse my funds but whatever state the account is in at the moment I am not able to login to online banking or withdraw funds in any way Please please help me I am afraid I will never see my money again.
Product: Student loan

I am a non-traditional college graduate and I graduated XX/XX/XXXX. I began making payments to XXXX XXXX XX/XX/XXXX and refinanced to a graduated payment plan with Navient XX/XX/XXXX. In looking at my current statement from Navient, I owe {$60.00} more in principal than I did when I started making payments 2 1/2 years ago. 
This is a FIXED RATE LOAN. Yet, Navient did n't calculate a payment structure sufficient enough to cover the interest, so they add the shortfall to my principal. Blatantly stated, they are cheating their customers and continuing to profit by adding this onto the balance. 
HOW is this legal??
Product: Mortgage

Over the last several years my mortgage had been sold/bought by several different loan service agencies. Seterus was the last loan holder prior to my selling the property on XXXX/XXXX/XXXX. Appears that after escrow closed on sale of this property, Seterus noted that I had over paid them by {$740.00}, and according to their records a refund check was mailed to my current address on or around XXXX/XXXX/XXXX. Up until mid XXXX XXXX I was unaware of this over payment, and that a refund check had been issued, but never received from Seterus. On XXXX XXXX, XXXX I received a letter from Seterus stating that the check they sent to us, had not been cashed, and at 120 days they would be sending monies to the state as " abandoned property ''. On XXXX XXXX, XXXX I called Seterus, my contact advised that they would follow up and reissue check. The amount was actually XXXX checks, but she combined total refund into XXXX amount. On XXXX/XXXX/XXXX I had not received check, and again called Seterus. They advised that they had verified check had not been cashed, and would be reissuing check this week, I should have it within week. Having received no check by XXXX XXXX, XXXX, I submitted a fax expressing concern on not having received check yet, and request they follow up. XXXX/XXXX/XXXX I again called Seterus, spoke to a XXXX XXXX, male, who went back to very beginning, pushed his information that was old news, refused to listen, but insisted I listen to him, put me on hold to research info, and after 10 mins + hold, disconnected my call. I now see that CFPB has well over XXXX complaints about Seterus, all with similar problems. I would like to collect the funds owed myself and ex-husband. I would also like to see Seterus not be able to buy loans of any sort, due to their poor management of peoples loans and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX that the receivable recovery account on my credit report is a result of identity theft. I sent a 605 identity theft letter as well as a ftc identity theft report. According to the federal law XXXX has 4 days to block the identity theft account from my credit report but they have failed to do so. It has been well over 4 days and XXXX is refusing to comply with the law. I also have a tracking number to prove that the notice was delivered to XXXX. 

Tracking number for experian : XXXX Tracking number for Receivable recovery : XXXX
Product: Debt collection

AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX I have received two collections from this company same same balance owed, unfamiliar with it and trying to work it out but the derogatory mark is having a major impact on my credit score. A mistake has been made on my credit report I believe the company has put in this account twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX Date of Last Activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion XXXX XXXX XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,