23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

XX/XX/XXXX my economic payment was deposited to an account at XXXXXXXX XXXX XXXX XXXX for the amount of {$1200.00}. I never received a card from them which is provided by Card.com. I called the IRS to to put a trace on the funds in XX/XX/XXXX. I was informed that the funds were in an account held by XXXX XXXX XXXX XXXX XXXX. The IRS stated that they sent a letter to the bank informing them to return the funds. When filing my taxes in XX/XX/XXXX I was told to check the box stating I never received my economic payment. In XX/XX/XXXX I received a letter from the IRS that the funds were sent to me. In XXXX of XXXX I called XXXXXXXX XXXX XXXX XXXX XXXXCard.com and XXXX was told that my account was closed and I would need a letter from the issuer ( IRS ) for them to return the funds. I let them know that a letter had already been sent to them in XX/XX/XXXX, they denied receiving anything from the IRS. I immediately called the IRS back to let them know what was said, so they put another trace on the check and sent out a letter. XX/XX/XXXX I called the IRS back to get an update and they stated they didnt get a response from XXXXXXXX XXXX XXXX XXXX XXXXXXXXCard.com . I called the bank again and they denied receiving anything again. They account has been closed for 3 years and Ive been calling around for almost 4 years now with the IRS sending multiple letters to return the funds to them or issue a check to me.
Product: Credit reporting or other personal consumer reports

I have been fighting with Equifax to have my equifax account unlocked for XXXX months! This is ridiculous they keep lying saying its unlocked but its not! I recently got an email from them saying everything was resolved but its not and i have screenshots to prove it.I sent in my drivers license and social security card to them in XXXX also nothing changed! Yesterday i called to see if my personal info Name was changed from a XXXX and it wasnt this is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX notice that XXXX and XXXX  continue to report a fraudulent collection to my account. This is my third time going through this process and next time im taking full legal action. ( XXXX XXXX XXXX/XXXX  XXXX {$560.00} ) continues to report to XXXX and Experian ... Ive never in my life opened up an account with XXXX! This is continuing to affect my credit and has put me behind in purchasing the home that my family and I choose. If this account continues to report and not removed within the next 4 business days. I will be taking full legal action against XXXX and EXPERIAN. 

( XXXX XXXX XXXX/XXXX XXXX {$560.00} ) XXXX AND XXXX Continue to report this fraudulent Collections Account ( XXXX XXXX XXXX/XXXX XXXX {$560.00} The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : XXXX, XXXX XXXX and Experian. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts created in 2017 with XXXX as the lender. XXXX new accounts have been created recently with the name " missouri XXXX XXXX XXXX XXXX '' as the lender. These are my same loans from 2017 just reopened. This is making the credit bureaus believe I have recently taken out loans and have become delinquent. The credit bureaus then closed the previous accounts from 2017 negatively impacting my credit score. In short, XXXX been in debt for more than 7 years now and have been slowly building up my credit. Because of this name change my credit score has dropped XXXX points because the bureaus believe I have twice the debt and recently fell into delinquency. Before this, both XXXX and Equifax were showing my credit score as close to XXXX. XXXX is the only XXXX that didn't double report the loans and that score is currently XXXX.
Product: Consumer Loan

I have a loan on XXXX vehicles with ally financial, in either of these loans I submitted payment online, and was n't sent or advised of any issues with the payment. Today, the repo man appeared at my house, as ally is well aware since providing my benefit statement as a part of income verification, I am a XXXX veteran. This complaint is based upon XXXX issues, first Ally to date has never provided a right to cure statement, which is a legal requirement, any production of such is a production to cover such non action, and false. Secondly I have a Mercedes Benz that I own outright in my yard, the repo man in error placed his jack under my owned car, not attached to this loan, raised my owned car, upon my XXXX, I rushed out the house, stumping my foot, and advised him to put my car down, and check the VIN number, which he complied, it was the wrong car.
Product: Mortgage

Bank is refusing to talk to .me They are Only talking to an attorney who has been hired to foreclose-but she has lied to me about her involvement. I have reached out the the " loan serviving co " because TIAA has refused to acknowledge me as the client??? It's so bizzar My house was trying to be taken by my exhus no trustees because he XXXX TIAA is conspiring and not working with me due to do to financial hardships created in XXXX XXXX. 
Their attorney has stated she has filed paper.work in court bit I havnt gotten. Any thing and have requested. ANY INFORMATION.BUT DENIED ACCESS????? 
PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information.

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

Commerce bank started charging customers a {$3.00} statement fee in XXXX of 2017. They did not seek authorization to do this, they simply put a note on a statement saying they were going to charge for this. They also said you could unsubscribe online, which you cant. I had no idea about this fee as they had disguised it in the billing ledger as a service fee. Upon reading through my statements, they call it a statement fee on the ledger on the paper statement and they do not list it in the itemized charges they show for fees and other services charged on the invoice. Attached you will find a screen shot showing these things. I contacted commerce and they basically said, " we told you on the XX/XX/2017 invoice we would charge you and so you should have unsubscribed then ''. They then proceeded to tell me I needed to come in to the bank to clear this up and turn off the statements. I was also told by XXXX XXXX, complaint handler at Commerce, that they couldn't possibly have asked customers online to opt in or out of this or even notify customers this was happening. I told her they could've prompted customers at login but the point of this move was to quiet take money from customers without them noticing. They are literally sneaking and mislabeling fees to generate revenue.
Product: Mortgage

On XX/XX/XXXX I filed for a chapter XXXX bankruptcy. This debt was not reaffirmed, yet we intend to keep paying on the mortgage. Freedom Mortgage would not mail out a reaffirmation agreement, despite numerous requests for them to do so. So, this debt was discharged.

The issue is this debt continues to report on my credit report as well as my wife 's credit report. Since this debt was discharged, the trade line should reflect a {$0.00} balance for both XXXX and XXXX XXXX. It should also be noted that XXXX is a non-filing spouse, yet Washington state is a community property state, so the discharge on this debt extends to her as well. Furthermore, payment history should not be reported after XXXX, XXXX. 

Freedom Mortgage continues to report this debt on both my credit report as well as my wife 's. Numerous phone calls to them do not fix the problem. 

Another issue lies with XXXX 's payment. Freedom Mortgage reported XXXX 's payment as 30 days late, even though it was received on XX/XX/XXXX. They received this payment on XX/XX/XXXX but did not apply the payment until XXXX. This caused a 30 day late payment to report. 

The continued mismanaging on this account has caused my wife to suffer a closure on her XXXX  XXXX XXXX credit card as well as a credit line reduction on her XXXX XXXX and XXXX XXXXXXXX XXXX credit cards. All three credit cards cite a mortgage late payment as a reason for the adverse action. And this was due to incorrect information reported by Freedom Mortgage. 

Previous CFPB complaint numbers are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXXEquifax after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complain and hoping that this XXXX XXXX XXXX XXXX Late payment XX/XX/XXXX, XX/XX/XXXX, 30 days late will be updated.
Product: Credit reporting

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from XXXX, I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against EXPERIAN in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

XXXX XXXX insurance states, I owe for rental insurance it was a quote, never sign any documents. Now I am getting letters from a collection agency for the amount of {$100.00}.
Product: Mortgage

In XXXX of XXXX I went into forbearance due to COVID and my wife not working. I received letters this year from Navy Federal Credit Union saying in XX/XX/XXXX my forbearance would end because it has been 12 months and I would have to complete the loan modification, as they said that was the only option. Shortly after signing the loan modification, a friend told me there were two more three month extensions authorized by the XXXX in XXXX of XXXX that Navy Federal did not make an option for me and was an option at the time I was told I had to complete the loan modification. I have asked them to please allow me to utilize the extensions and they said they cant. I explained I was not told of the two three month forbearance extensions at the time I signed my forbearance and should be allowed to use the extension in the Cares Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX as well as Transunion Credit Reporting about a XXXX XXXX XXXX that I closed in XXXX of 2018. For some reason, on TRANSUNION ONLY ( out of all 3 credit bureaus ) Transunion is reporting that I have 3 XXXX XXXX XXXX Accounts. TWO OF THOSE supposed " credit card accounts '' have the EXACT SAME ACCOUNT NUMBERS. One of those accounts, shows that the balance is paid in full and closed. The SECOND CREDIT CARD ACCOUNT, AGAIN WITH THE SAME EXACT CREDIT CARD NUMBER IS SHOWING AND CONTINUES TO SHOW THAT I HAVE AN OUTSTANDING BALANCE OF {$6800.00}. WHICH IS A TOTALLY FALSE STATEMENT. 

Despite my making disputes with both XXXX and TRANSUNION, as of TODAY, this still shows as an open debt of {$6800.00}. and it is showing that I am continuing to use 159 % of the available credit to me. HOW DOES THIS CONTINUE TO GO ON? IT HAS BEEN 6 MONTHS OF XXXX. I CAN NOT REFINANCE MY MORTGAGE. I AM FULLY PREPARED TO SUE BOTH XXXX XXXX AND TRANSUNION IF NECESSARY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DPT EDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Mortgage

From : XXXX [ mailto : XXXX ] Sent : Saturday, XX/XX/XXXX XXXX XXXX To : XXXX ; <XXXX> Cc : XXXXquestions <XXXX> ; XXXX   <XXXX> Subject : Re : Loan XXXX Online Payment Fees Greetings, You recently acquired our loan without our intention or wishes. In over 13 years we have never been charged a {$15.00} fee to pay our loan online through the original lender, XXXX. We are not happy or satisfied that SPS charges {$15.00} for the pleasure of accepting online ACH payments. This means we would have been serviced at the tune of over {$2300.00} in monthly fees on our original loan from XXXX. 

According to your website, XXXX XXXX XXXX your company has three core values, Integrity, Intelligence and Intensity. I suggest you review Integrity and Intensity.

Integrity : " We work honestly and fairly with all customers, clients and co-workers. '' $ 15/month for ACH payments is shameful and wholly unfair and dishonest as these are automated cash transactions between financial institutions. 

Intensity : " We work hard to exceed expectations. '' " We always honor our client and customer commitments. '' " We deliver superior service to every customer, every client, every day. '' This is the first interaction we've had with your company. SPS has completely failed our expectations. We expect acceptance of full timely payments to only include interest, principle, and escrow.

Please explain how SPS is honoring a commitment we have never entered into or agreed to regarding these fees?

We challenge SPS to fully explain how your company 's {$15.00} additional payment penalty fee delivers us superior service? 

This personal financial correspondence has specifically been addressed to the Commonwealth of Virginia 's State Corporation Commission, Bureau of Financial Institutions Division, for their consideration and attention to this matter. We eagerly anticipate SPS ' response.

Very Sincerely, Homeowner 1 Homeowner 2
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Subject : Dispute of Incorrect Information on Credit Report Dear XXXX I am writing to dispute the following inaccurate information on my credit report. I have reviewed my credit report and found that the information listed below is incorrect. Please investigate this matter and remove or correct the erroneous information. 

This account does not belong to me, or this account has been paid off but is showing as delinquent. 

I kindly request that you investigate this matter and remove or correct the inaccurate information. Please notify me of the results of your investigation as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to correct any information that is found to be inaccurate, incomplete, or unverifiable. I also request that you send me an updated copy of my credit report once your investigation is complete. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible. I am enclosing copies of the three complaints I used a template that I found on one of the CFPB sites I hope this will suffice in getting you the CFPB to act on my behalf.