23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Product: Credit reporting or other personal consumer reports

I called mechanic banks and asked if they are California republic banks and they said they bought California republic banks and I send mechanic banks screenshots of my credit report where it says California republic banks has decreased on my score on my credit report I also called XXXX XXXX, equifax, the credit bureau told me theres different names that are spilled different on my credit report and that it shows for California republican banks 3 months late payments. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I been calling they said they will investigate and removed any mislead names and addresses that are not mine. And will send me a report in the mail. This been affecting my credit score for years since the vehicle been paid off. My credit score has not gone up.
Product: Payday loan, title loan, or personal loan

Good loans fast is listed in my XXXX report saying that i have an existing loan but i did not receive any amount of money, i only have an existing payday loan with XXXX XXXX, XXXX XXXX and XXXX XXXX but not good loans fast, here is the information of good loans fast listed in my XXXX  report. 

Date of Loan : XXXX Merchant Name : WLCC Lending AIL dba Good Loans Fast Merchant Phone : ( XXXX ) XXXX City, State, Zip : XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX. This complaint is against Comenity Bank and their reporting of 4 Fraudulent accounts being reported to the credit bureaus. I have provided all documentation I can provide to the best of my ability and after my complaint there was no resolution to the accounts being reported. 

I am a victim of Identity theft and I first contacted Comenity Bank regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX ( this individual was a family member who resided with me for a period of time ). They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX  and XXXX  have honored my claim but XXXX  has not. I contacted Comenity Bank again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by XXXX  to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to XXXX XXXX XXXX and all three credit bureaus are currently reporting this account as a collections account. 

Please also keep in mind the 3 remaining accounts on XXXX  are reporting charged off every single month for the last year which is a violation of the FCRA.
Product: Vehicle loan or lease

For auto loan customers, illegal practices include prepaid gap coverage that wasnt refunded when loans were paid off early, incorrectly applied payments that led to higher interest charges and fees, and unwarranted auto repossessions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I get that debt collecting companies like to call. I 'm not disputing that I owe various entities, and while I do n't really recognize 'Midland Credit Management , Inc. ' in XXXX XXXX XXXX they are probably for XXXX of my accounts that went to a debt collector. They 've already incessantly tried to call, but the nature of my complaint is they called this past Sunday. This is n't the XXXX and 'you owe me money ' tactics of harassment are fair game. Sunday is an Off day by any definition and still 'not a business day. ' They need to be reigned in to know that by phone intrusion, there are hours of a business day that are " fair game '' and then there is after hours which is off-limits. Also, I do n't think they 've left a voicemail which to me tends to ooze Unprofessionalism. So, 'by the rules ' you can call to harass us any business day, from like XXXX - XXXX, but outside of that you do n't just get to bother us about this specific debt that I know is 'important ' to you, but it is prioritized to this Family ( and probably a lower one at that ). Please hold MCM accountable to stop this practice!
Product: Checking or savings account

Td Bank has a bump rate savings account with a 4 % interest rate with a linked account. I had 2 other accounts one being a checking and the other a mortgage. When I made a deposit, a TD employee linked my savings account to my mortgage with out my knowledge. When the mortgage account was closed, it dropped to a low interest rate for the term which I was not aware of as the account wasnt linked. When I discovered this I spoke with the bank and they said they would fix the issue and credit the interest it should of had as I had an active checking as well at the time and during the interest period. They are now refusing to credit the interest even though it was their employee that linked the account in error.
Product: Credit card or prepaid card

I paid off the balance to my Wife 's Bank of America credit card ending in XXXX on XX/XX/2020 and paid the actual pay off amount. Approximately 15 days later I received a bill stating that I had a balance due of {$99.00}. I called the collections department explained the situation to them and received assurances that this was a mistake and the fees would be removed and the account marked paid in full. I have since received yet another bill for the same amount due of {$99.00} and tried to call to only be told that there was nothing that could be done but to call the collections again.
Product: Vehicle loan or lease

I am a primary and secondary buyer with XXXX XXXX. The account for which I am a secondary buyer, payments are being posted as being late when there are bank withdrawals stating the date and amounts of payments within 30 days of the due date. I have been calling over 5 times to get this resolved, and I am not getting any resolution. Each time I call someone puts in a dispute but the issue keeps reoccurring. I call back to see if the problem is corrected and I am told it's current. Now I am calling again today and its 45 days past due, when a payment was just made in XX/XX/XXXX for the XX/XX/XXXX payment. I was never received any documentation from XXXX XXXX regarding our disputes and was told today that is not the company 's responsibility to send me documentation. So I have no proof from XXXX XXXX stating that this is actually been corrected. Every person that I speak too gives conflicting or incorrect information, which leads to believe that this will not be resolved. This has affected my credit score for there inaccurate reporting.
Product: Money transfer, virtual currency, or money service

PNC will not allow me to link my bank account with any type of crypto exchange or service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed and disputed these accounts with Experian far too many times. I am a victim of Identity theft. I sent a copy off my Identity theft form to these companies. Experian removed them then reinserted them without my knowledge. If any of these accounts or public records were mine Im sure there was no form signed with my signature giving these creditors " AUTHORIZATION TO SHARE INFORMATION ''. I am a victim of identity theft and I have requested signed contracts with my signature for the accounts that are reporting on my credit stating I signed for these credit cards and have not been sent the information. Experian has not verified these accounts because they are fraudulent. The collection account has not been validated and I am aware of my rights from the FDCPA. I requested information from the Collection agency that was not provided. There is a chapter XXXX bankruptcy that does not belong to me. The courts do not release information over the phone to third parties whom Experian is considered a third party. Several credit cards on my credit are a product of identity theft that were removed and reinserted. This has become a problem and I will be forced to file a lawsuit. This is my final attempt. The " LAW360 CLASS ACTION LAWSUIT '' against experian was a major success and I will not hesitate to get another class action law suit started. The accuracy of Experian disputes are BOGUS that is why the class action lawsuit LAW360 was started from Experian inaccuracy disputes. The accounts on my credit report that are a product of identity theft and have been reinserted are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and Chapter XXXX Bankruptcy was taken off and reinserted without no validation from the courts for they do not report to the Credit reporting agencies/third party companies. I will not accept another letter from experian stating " these accounts have been verified '' without the proper documentation to go along with it. I will not write a 100 word statement for my credit report for fraudulent information that WILL be removed! Do not put on my credit report without my consent " CONSUMER DISPUTES ACCOUNT VERIFIED '' under these accounts. These accounts are not allowed to be present while in dispute. It is AGAINST THE LAW!!!! REMOVE THEM IMMEDIATELY!!!!
Product: Debt collection

Debt collection agency is trying to collect on a debt that does not belong to me. I sent the debt collector a letter to validate the debt on XX/XX/2018 and the debt collector has not responded to the debt validation request. 

This company is illegally trying to collect on a debt that does not belong to me. This company is trying to collect on a recycled debt.
Product: Mortgage

On XX/XX/2024 ... XXXX XXXX XXXX transferred my account to another service provider ... PHH ( PHH Mortgage Corporation, XXXX ID # XXXX ). 

I received a notice on their App that my mortgage was going to increase {$160.00}. 

I contacted them and they could not help. I spent over an hour on the phones and all they could say is my insurance premium for XXXX is {$1300.00} but do not know what the previous year was because they do not have a record. 

I asked why they didn't have a record, " We don't have a record because we just received your account on XX/XX/2024 and we do not have that information. '' I asked how can they run an analysis without all the information pertinent to my account and they continued to make excuses. 

I got a manager from Insurance Department who was also unable to help and I requested a supervisor from the Customer Service Department who was unable to help.

I can not understand how my monthly mortgage payment will increase by almost {$200.00} from a company that does not have my 100 % information to conduct an accurate analysis. 

This has been a horrible experience and I am certain I am not the only new customer from XXXX XXXX XXXX that they will be receiving escalated calls regarding this matter. I am not one to accept " excuses '' that they do not have the information to help me. " Well, clearly they had enough information to try to XXXX over a customer without all the information. ''
Product: Checking or savings account

I recently tried to deposit a check on behalf of my incarcerated boyfriend. He had received a {$3500.00} check from XXXX XXXX XXXXXXXX as part of a bail settlement stemming from a recent class-action lawsuit. I endorsed the check and deposited it online into my personal account with Chase. Soon after, I found my account frozen, and I received an email stating my account had restrictions. 
On XX/XX/XXXX, I contacted Chase to explain the situation. They advised me to visit a local branch with my identification to resolve the issue. I followed their guidance and visited a branch on XX/XX/XXXX, where I explained the circumstances to the representative. Interestingly, they mentioned uncertainty about why I was directed to the branch and suggested contacting Chase over the phone. 
The branch representative made a call to Chase on my behalf and asked a series of questions. Following this, they conveyed that Chase would not only hold the funds from the check but also freeze the funds I had in my account prior to the check deposit. Chase informed me that unless the payee could verify his identity and provide a confirmed contact number, they would close my account and retain the {$3500.00} check indefinitely, with the possibility of handing it over to the state after XXXX years. Furthermore, they indicated that I would no longer be eligible to maintain an account with them. 
I have been a loyal Chase customer for over XXXX years, and this situation is causing me a huge financial strain and inconvenience. The fact that they won't even return the verified check is beyond me. This has put me in a difficult position, and I am left with limited options. I believe the situation is unjust and unfair. At this point, I am unsure about my next steps and which is why I am filing a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a full credit report from each credit reporting agency. I want the full report sent to my mailing address please
Product: Debt collection

XXXX XXXX gave my name to a collection agency for an account with which I have no association. They claimed the balance was {$790.00} and due on XX/XX/XXXX. I disputed the account sometime in late XXXX or XXXX ( I am not sure of the dates ). I finally heard from XXXX XXXX in XXXX of XXXX. They claimed that they could not investigate since I did not have an account number. I stated that I did not have an account number because I had no knowledge of the account prior to debt collectors contacting me and that I did not keep the account number. 

I was contacted again today ( XX/XX/XXXX ) by I.C. System Inc. XXXX XXXX gave them the account number. Obviously, XXXX XXXX had access to it when I spoke with XXXX XXXX on the phone. I believe that they know the account in fraudulent. I further believe that they fabricate these accounts and knowingly have debt collectors attempt to collect fake accounts. I believe this because it would have been trivially easy for them to verify that I did not live in Mississippi where they claim the account was opened during XXXX. 

I request that the CFPB open a criminal investigation into XXXX XXXX 's conduct and the conduct of I.C. System, Inc.
Product: Credit card or prepaid card

Capital One is blocking me from viewing my balance and transactions in third party apps and programs. I have a right to view this information in a manner that I deem helpful, such as within an app like XXXX or XXXX that helps me track budgets and transactions.
Product: Vehicle loan or lease

Dear AMERICAN CREDIT ACCEPTANCE, This is my final attempt to try to remedy this incorrect reporting and your company has failed to respond to my letter dated on XX/XX/XXXX in a timely manner. This is to confirm our conversation on XX/XX/XXXX as to the offer of the above-stated account. As discussed, I will pay your company the amount of {$500.00} as payment in full for the final satisfaction of this account. 

once again, I am writing to you in the hope that we may put this matter behind us and settle out the charge off for good, under a few conditions. This will save you both time and money trying to collect the judgment and will help me to recover from your negative entry in my credit history reports. 

I have been offered a loan from a close family member to pay you {$500.00} to settle the debt in-full and have the CHARGE OFF DELETED. 

Upon receipt of the above payment, your company has agreed to change the entry on my credit reports from CHARGE-OFF to DELETED. P.S : based on your decision I WILL GO ON XXXX  AND XXXX TO MAKE LIVE STATEMENT IN REGARDS ON HOW YOUR COMPANY TREATS ITS CUSTOMERS. 

If you agree with these terms, please acknowledge with your signature and return it to me. IF You agree on the terms herein are confidential and you have the authority to make such decisions. No payment will be made without written confirmation. 

Upon receipt of this signed acknowledgment, I will immediately mail you the funds via priority mail. This is not a renewed promise to pay but rather a restricted offer only. If no terms can be met, no new arrangements will be made and the offer will be void. This is my last attempt to try to remedy the incorrect reporting. if I do not hear from you I will be pursuing litigation in my local county clerk of courts. 

cc : Attorney General cc : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My credit card was charged XXXX ( duplicate charge ) by XXXX XXXX hotel XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. I only stayed on XX/XX/XXXX. I first called on XXXX after the hotel did nothing to help. I have been calling Citibank every other week and they have not resolved my issue. I want the XXXX refunded to me. Citibank keeps telling me to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to TransUnion and XXXX credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX SECURITYCRED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Collection Account Account Number : XXXX Creditor : SECURITYCRED Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.

After reviewing my records, I found no written agreement or signed contract with SECURITYCRED authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that SECURITYCRED provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. 

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the XXXX period, as required by law. 

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage was transferred to Nationstar Mortgage on XXXX 2015. The first few months we were not qualified for automatic payment and according to their guide we were eligible in XXXX 2015. This is the most convinient way for us to pay our mortgage. On our first time using automatic payment with Nationstar, our funds were withdrawn from the savings account instead the checking account and they reverted the funds back to our account. Then we tried the second time and they returned the funds again. Then I tried to pay directly from my bank and it was not accepted. Then I tried to pay with a personal check and when I returned from vacation I found out the check was return to me as well. We 've not being able to make an automatic payment ever since and now we are no allowed to pay by phone or by personal check either. We have to pay by certified funds, XXXX XXXX or XXXX XXXX Payment. Apparently, XXXX XXXX only allows payment from a XXXX card debit account which leaves me with XXXX options out of XXXX Nationstar available options. I 've always pay my mortgage on the XXXX but with all of these issues, it 's being difficult to pay on the XXXX because even my personal checks are being returned. Apparently, they put a hold on my account for six months which does not come due until XXXX 2015. When I call them to resolve this issue, I get the run around with no avail. I sent a certified check on XXXX XXXX, 2015 with a XXXX post delivary date and it has not being posted into my account yet. I continue to pay fees and it 's becoming outrageous at this point. Now I was imposed the {$50.00} fee for late payment plus the cost of purchasing a certified check for {$5.00}, stamps and cost for a XXXX date post delivery. I 'm frustrated that they do not offer to assist me in a better way, leaving me with the desire of refinancing with another mortgage company. Their customer service lacks proviciency and efficiency. The supervisors do not offer much help either. I 've being a mortgage holder for over 10 years and I 've never encountered such payment issues. Could you assist me with this issue? I do n't know how much longer I can take this type of lack of customer service especially when I want to pay my mortgage on the XXXX as I am suppose to do. Your assistance will be greatly appreciated.