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

Looking over my Transunion credit report I notice that on XX/XX/2020 the was a hard inquiry for XXXX XXXX. I never requested credit with this company XXXX XXXX XXXX. I sent a mail to both XXXX and Transunion advising that I did not authorize this credit inquiry and to please remove from my credit file.
Product: Mortgage

Good morning, RE : Planet Home Lending We have been trying to get a payoff for a customer, on a VA refinance, since XX/XX/XXXX. Since then we have sent over many requests and spent hours on hold and on the phone with representatives. The customer has called as well and still no payoff. I have spoken to XXXX, XXXX and XXXX and they all say they can not get a supervisor on the phone. My customer is going to have to extend the lock. They now say that we need to send over a CD in order to get a payoff. I have been in the business for over 25 years and never complained about anyone but this is blatant denial to send over a payoff. I don't know what else I can do. I would be grateful if you good give them a call. So frustrating. 
We still have no payoff. 

Thank you,
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a representative for my daughter accounts, both accounts are negative one is negative XXXX $ and the other is negativeXXXX $ .I never ever was able to use overdraft on her accounts.So we shouldn't be charged nsf fees the bank froze both accounts on the XXXX of XXXX because they said the debit cards were not in the system on her accounts But XXXX first citizen ordered the cards as a result of the freeze her social security didn't come the XXXX XXXX of XXXX therefore I couldn't pay cashadvance on the due date which is the XXXX to be able to advance to get more money to pay my bills and pay my car repairs.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair a nd request an investigation into my account transactions.
Product: Mortgage

I requested a COVID -related forbearance and it was granted online. I am now receiving threatening letters saying that " your mortgage is now two months past due, and we have not received a satisfactory response to our previous request for payment or communication regarding the above listed loan. '' They say to call them and no one answers the phone.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my credit and to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still reporting incorrectly to XXXX  and Transunion. The collection company had agreed to delete these line items in XX/XX/2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 I cashed a California rent relief check at California Check Cashing .. the check was for XXXX. The check was from the California Rent relief, housing is key which is run by the government. When I cashed the check they charged me I believe 10 % which was the fee for a personal and all other checks. I should have been charged the fee they charged for chasing government checks. I believe I was charged over {$1000.00} in fees when I should have only been charged a few hundred at most per their fee schedule .. many people I know that cashed their rent relief check was charged at the government fee rate, I wasn't.. I believe this company has caused fruad toward me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a soft inquiry from a company I did not give consent to pull my consumer report. I did not give them my non-public information ( ssn ) I do not know how they obtained my non-public information.
Product: Mortgage

XX/XX/2019 Carrington Mortgage Company increased my payments {$1100.00}. 
I do not understand because my pays are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rentdebt should not be reporting to Equifax ; XXXX and XXXX  a collection/chargeoff in the amount of {$450.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I never received any notification of this debt. Once I saw that this account was reporting negatively on my credit report I immediately contacted XXXX to discuss this. They refused to assist me in removing this false collection that was reporting on my credit report. I was never notified by telephone and/or email that there was an issue. The original creditor, XXXX XXXXXXXX never sent any notification either for any remaining balance due. I was the co-signer on a rental property for my son. His lease ended and he moved out per the rental agreement. There were no issues we were aware of. XXXX has no information regarding this and instead of working with me and explaining to me what this debt was for they sent it off to collections. This false reporting of a collection/chargeoff is seriously harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX  and XXXX XXXXXXXX to remove this however, I have not been successful.
Product: Debt collection

On XX/XX/2023 I contacted Fox Collection in order to settle any amounts owed. They agreed to a settlement payment in the amount of {$870.00}, if paid in full, which I did. 

Now Fox collections has hit my XXXX credit report with a major derogatory saying I still owe them {$130.00}. 

Under the settlement agreement we made on XX/XX/XXXX, this should have been reported as settled/paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a dispute of false account # XXXX. Please explain the following inaccuracies in violation of credit reporting and collection laws : 1. The highest balance on XXXX XXXX-XX/XX/2016 statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. Last, but most important - address on the statements ( XXXX, XX/XX/XXXX ) is not my address. My address is in XX/XX/XXXX and previous address in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

On XXXX 2023, XX/XX/2023, XX/XX/2023, XXXX IS REPORTING LATE PAYMENTS ON MY REPORTS AND THAT ABSOULTELY INCORRECT ... XXXX IS SET UP WITH AUTOMATICALLY DRAFT AND I HAVE MY BANK STATEMENTS TO PROVE I WAS NEVER LATE THIS ON THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

he items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On or abou t J  XXXX   XXXX  , 2017, I checked  my credit report and there 's a debt for Portfolio Recovery,     XXXX   XXXX   XXXX   ,   XXXX   XXXX ,  XXXX , VA  XXXX  in the amount of {$1500.00}, original creditor is listed as  XXXX  ( I assume it 's for  XXXX   XXXX   XXXX   ), whic h I thought was charged off.     The problem is, I have NEVER received anything from this collection agency. I 'm in the process of disputing with  XXXX  and  XXXX . Are n't they supposed to contact me prior to just placing a collections on my credit report?
Product: Debt collection

I am writing to file a complaint against Spring Oaks Capital LLC regarding their repeated calls and mailed correspondence in relation to a debt they claim I owe. Despite my efforts to resolve this matter through two separate dispute letters requesting verification of the debt, Spring Oaks Capital LLC has failed to provide any evidence to support their claim. 

The debt in question, allegedly amounting to {$570.00}, is purportedly owed to XXXX XXXX XXXX. However, Spring Oaks Capital LLC has not provided any contractual agreements bearing my signature, nor have they presented my Social Security Number or the correct address associated with the debt they claim I owe. These blatant discrepancies raise serious concerns regarding the legitimacy and accuracy of this debt. 

As a consumer, I have the right to request validation and proof of the debt 's validity. It is disconcerting that Spring Oaks Capital LLC has disregarded both my previous dispute letters and my right to obtain this information. This failure to verify the debt creates an unfair burden on my financial standing and negatively impacts my credit report without sufficient justification. 

Therefore, I kindly request your assistance in urging Spring Oaks Capital LLC to either provide substantial evidence proving the debt 's validity, including any legally binding agreements bearing my signature, or to immediately remove the disputed debt from my credit report. 

I believe that Spring Oaks Capital LLC 's unjustified persistence in pursuing an unverified debt goes against the regulations set forth by the Fair Debt Collection Practices Act. I trust in the Consumer Financial Protection Bureau 's dedication to consumer protection and their commitment to ensuring fair and ethical practices within the financial industry. 

Enclosed with this complaint, you will find copies of my previous dispute letters sent to Spring Oaks Capital LLC. I also authorize the Consumer Financial Protection Bureau to act as my representative in investigating this matter and to take the appropriate actions against Spring Oaks Capital LLC, in case their practices are found to be in violation of the aforementioned act. 

Thank you for your attention to this matter. I eagerly await a prompt resolution to this dispute that will safeguard my rights as a consumer and protect my financial well-being. 

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

I was shocked to see inaccurate accounts suddenly appear on my credit report this evening. I regularly check my report, and this time there were discrepancies I didnt expect at all. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Now, I'm left wondering how this happened, and Im asking that my documents be carefully reviewed so I dont have to worry about this again.
Product: Debt collection

They have my private medical information violation of 15USC 6802 ( b ) ( B ) and ( C ) and 15 USC ( a ) ( 4 ) my right to privacy, i have already sent them via certified mail # XXXX XXXX XXXX XXXX XXXX my first dispute letter and i have a complaint id # XXXX as well they are in total disregard for the law and this is their opportunity to cure their defect and the certified mail number XXXX XXXX XXXX XXXX XXXX 2nd attempt to follow the law THIS IS NOTICE OF THIER OPPORTUNITY TO CURE THIER DEFECT AFTER THAT A NOTICE OF DEFAULT WILL BE ISSUED AND I WILL TAKE THEM TO COURT AND GIVE THIER REGISTERED AGENT PROPER NOTICE OF ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my CFPB complaint dated XX/XX/22 and I found out that you Close MY COMPLAINT # XXXX, XXXX, and XXXX on the same day. I would like to resubmit again my request to Investigate the Erroneous Accounts found on my credit report DEPT OF ED/XXXX  XXXXBalance : {$1100.00} ; DEPT OF EDXXXX XXXXBalance : {$3000.00} ; DEPT OF ED/XXXX XXXXBalance : {$2300.00} ; DEPT OF EDXXXX XXXXBalance : {$6200.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$5000.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$2500.00} ; DEPT XXXX EDXXXX XXXX Balance : {$5100.00} ; DEPT OF EDXXXX  XXXX Balance : {$2400.00} ; DEPT OF EDXXXX XXXX Balance XXXX {$2500.00} ; DEPT OF EDXXXX XXXX Balance : {$5100.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$3100.00} ; DEPT OF ED/XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX Balance : {$91.00} that is UNKNOWN to me. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am resubmitting this complaint myself and attached a copy of my Drivers license and proof of residency to inform you that I am the one asking your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry fromXX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXXXXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXXXXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY : XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> 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 CREDIT BUREAU 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, 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

My wife and I both have Capital One credit cards and our payment is on auto payment on the XXXX of each month.On the XXXX of this month, we called them to ask for XXXX 's payment to be held back because we are affected by the COVID19 emergency. We are both retired and we are just receiving SS pensions and we had to use our funds to stock up on essentials to cope with the emergency. We talk to a foreign CSR and told them of our predicament and our request for deferred payment. We were transferred to a " local '' agent to finalize our requests and she agreed to grant our  requests. On the XXXX we check our bank account and our request weren't granted.They STILL TOOK OUR PAYMENTS FROM OUR BANK.SO WE CALLED THEM BACK AND WAITED FOR 85 minutes. We talked to another 'foreign CS named XXXX and ask why our requests weren't granted. He could hardly understand me and we couldn't hardly understand him.XXXX, misunderstood our requests that we wanted the auto payment cancelled which was very different from our original requests.. We had to borrow to cover for the funds that we thought wouldn't be taken out of our account to avoid be overdraft on our other expenses.Why don't they use CSreps that will be easy to understand and we can understand. They publish info on how the company cares and will help in this emergency we are experiencing. Not true at all to us. They are all for just profits, PROFITS AND MORE PROFITS.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not give consent for these inquiries and strongly believe they are fraudulent. I implore you to conduct a comprehensive investigation and promptly eliminate them from my credit report.
Product: Student loan

My monthly payments were extremly high. I asked to have my loan payments lowered since I could not afford what they were asking me to pay back a month and my credit was being distroyed. They said the could get my loan to under {$100.00} a month if I filled out and submotted all the proper paperwork. I did that and my loan amount never changed. When I contacted Navient, they kept telling me about more paper work I needed to file and never got my payments lowered. My credit is poor now becuase of not being able to pay for my student loans and Navient being unhelpful and giving me the run around.
Product: Credit card or prepaid card

Case Number : XXXX Date : XX/XX/19 Amount : {$73.00} Merchant : XXXX This merchant subsequently charged my Capital One Credit Card with two separate amounts on the above date. The attached letter shows under CFPB Case No. XXXX and Capital One Case No. XXXX that the amount of {$31.00} was permanently credited to my account. As it was explained that someone hacked my account at this merchant to impersonate me. It would be rather contradicting for one charge to be permanently removed and the other charge reapplied to the account, being the same merchant. Supporting documentation attached to this complaint.