23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LoanCare was holder of my mortgage during Covid crisis. I was granted Forbearance in XXXX, XXXX, and extended in XXXX of XXXX Credit report showsmy payments as " Late, ' during entire Forbearance period and it is preventing me, as an XXXX XXXX from getting a reverse mortgage. I was told on XX/XX/XXXX, that I would get an email confirming I was o forbearance during that period. It has not been received. Three subsequent phone calls produced 2 results where my mortgage could NOT be found ( LoanCare transferred my mortgage to XXXX XXXX in XXXX, XXXX ) and the third Customer Service Rep told me that the email would be sent and told me it was marked, " Urgent -Rush. '' It was NEVER received ( I also checked in " XXXX '' ). My XXXX Mortgage has been held up another month waiting for this. 

Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I was informed by Chase bank that I had transactions out of state for an unusual amount. I noticed someone had purchased more than {$1500.00} in Florida, which I have proven I wasn't in and an ATM withdrawal. The gentleman who spoke with me told me that my account would be locked and a new debit card would be sent to me. The following morning I followed up with Chase and I was told my claim was never filed. 

After time for Chase to review my claim that I disputed the charges, I received a letter from them telling me they found the charges to be valid and they would remain on my account. I immediately called Chase and asked them what I would need to prove I did not make these charges. 

I was told any supporting documents could help. So I had my employer sign a letter affirming I was in Arizona never Florida. Also my bank statement proving I was in Arizona. 

Just today the XXXX I received another letter from Chase denying my claim. I spoke with XXXX in the claims department, he informed me that the bank found evidence that my PIN was used in Florida. I told Chase from the start that I never share my PIN with anyone and my card was in my possession the entire time. 

I have been robbed of more than {$1500.00}. I am unable to keep living paycheck to paycheck. I know my card information was stolen and Chase still insists I am responsible. I expect a refund of the money stolen from me as soon as possible. I will fight this forever if I have to, I know Chase is wrong, I am the victim of fraud and I want this matter resolved asap.
Product: Debt collection

I have made several disputes with the each credit bureaus and with the XXXX as well as contacting XXXX XXXX in regards to this matter. I am coming to CFPB to get an resolution. 

My complaint is XXXX XXXX XXXX XXXX is reporting fraudulent charges to professional debt credit company claiming I owe {$820.00} because I have threatened to take them to court for heavy mold in my apartment. Instead of taking them to court, I went ahead relocate my family. I surrender the unit back in XXXX or XX/XX/XXXX. In retaliation the apartment Manager at the time XXXX made false allegations against me. She have tried multiple time to find ways to get me evicted but no success. I recently discovered that XXXX were the individual who filed an false DCF complaint against me in XX/XX/XXXX. I dont know how the charges came about, but I do know before I surrender the unit she increased my rent to the maximum amount around XXXX something dollars. I paid my rent for that month and still moved out. I have listed the complaint numbers below. 
-Complaint ID # : XXXX Back in XX/XX/XXXX. 
-complaint # XXXX new claim filed XX/XX/XXXX. 

Please help me resolve this matter because is Hindering me with applying to other apartment complexes. I dont owe them!! Thanks!!
Product: Credit reporting, credit repair services, or other personal consumer reports

company took over 30 days to investigate issue that violates federal law. also company stated that account does not show on my credit report but it still does show.this is the response that was given under reply to fcra complaint number XXXX the proof that is still shows ran today is below and attached. request XXXX per federal violation. 


the company took over 30 days per fcra to reply with complete resolution to compliant that violated federal law. after 30 days by federal law if complaint can not be resolved item must be removed. they did not follow this federal law. aslo they stated that acct is not on my credit report from XXXX..XXXX ... XXXX XXXX XXXX XXXX XXXX for acct ending in XXXX on XX/XX/XXXX but ran credit report XX/XX/XXXX and still see acct on file with cra. shown below ... ..Home  XXXX XXXX Account Preferences Message Center, you have 0 unread messages0 YOUR CREDIT YOUR IDENTITY Credit Report Date You still have 4 of 6 free Equifax credit reports available before XX/XX/XXXX. 
Get my free credit report XXXX XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number xxxxxxxxxx XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed 50 Activity Designator Terms Frequency Term Duration 48 MONTHS Purchased From Sold To Balance and Amounts Balance {$430.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX EFX  ticker symbol Privacy Policy Terms of UseAd Choices Copyright XXXX Equifax Inc. All rights reserved. 

Equifax and the Equifax marks used herein are trademarks of Equifax Inc. Other product and company names mentioned herein are the property of their respective owners.
Product: Credit reporting or other personal consumer reports

I received my credit report from XXXX, XXXX AND EXPERIAN on XX/XX/XXXX and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under XXXX XXXX XXXX. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX ) XXXX XX/XX/XXXX
Product: Mortgage

I am an existing customer with Freedom Mortgage with excellent credit and have never missed a payment. On XX/XX/XXXX I started a refinance process with them. For the past XXXX XXXX months I must have dealt with at least 8 different persons. I've sent them every document they have asked for 3 to 4 times over. On XX/XX/XXXX I was informed that everything was approved and to call and schedule a day and time for XXXX XXXX XXXX to sign the paper work. I scheduled an appt for noon on XX/XX/XXXX to do this. On XX/XX/XXXX I get an email saying that this appt has been cancelled and that I need to reschedule. I called Freedom Mortgage and set up a second appt for XX/XX/XXXX. Called the title company on XX/XX/XXXX to confirm the appt and was told that they do not have a record of this. Now both times we scheduled an appt a representative of Freedom Mortgage told me that a payment for XXXX and XXXX need not be made. My first payment would be on XX/XX/XXXX. Called Freedom and asked what was going on and could not get a straight answer from them. This morning XX/XX/XXXX I called Freedom and now I'm being told that if I do not make a payment by the XXXX I will be considered late. This is one of the worst companies I have had the displeasure of doing business with. I have worked hard and proud of my credit and I will not let them ruin that because the right hand does not know what the left hand is doing. I would greatly appreciate whatever help you can extend to me. Thank you.
Product: Debt collection

I have a credit card account with XXXX XXXX to XXXX XXXX. Since then they have sued me and sent the account into collections which I am fixing my credit to XXXX XXXX XXXX XXXX. We already settled upon the settlement and it was for a little bit over {$5100.00} which the fees were already paid which were {$1200.00} However now since myself and the debt Relief company is helping me have agreed upon the settlement to pay {$150.00} a month through a savings account. XXXX and Calvary collections have added {$1600.00} to the account to get more money and this is not what we agreed upon so Im warning you about this company and XXXX. I have been paying them out for multiple accounts for years, but even though Im paying through mail, they wait to process the payment after the due date in order to charge you a late fee and I think although we settled this out of court and agreed upon a payment plan theyre still trying to extort more money out of me money, which I dont have
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my report that I have been trying to dispute. I have mail documents from XXXX XXXX and my local court house and experian still refuse to delete this information. I have asked this company to send me the verification information and have yet to receive this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with self inc. It is advertised with making a small payment into a savings account, set amount per month and then gives you positive payment on your credit file. They allow you to make payments monthly and can pay it off sooner and get your payout quicker from your savings. This is the issue I completed my savings early, the company sent me an email advising i would get my payout deposited on XX/XX/2023. 
I got a second email requesting to prove my identity. In the email i need to provide my social security card, id, photo of me holding my id and a copy of my bank statements. 

All those things right there, they can steal your identity. 

I called the company, the women who i spoke with advised me i would not get my payout of their program till i supplied all that info. This part was not in any documentation! They have XXXX dollars of my money that belongs to me. 

i supplied the documents, but on the bank statement i redacted all the info except what they requested. it showed the checking account number i made the payments from as well as, where they took out the payments from my account. They contacted me today and advised that wasn't good enough. I have all their emails Very misleading company
Product: Checking or savings account

On the date of XX/XX/scrub>XXXX XXXX XXXX  I walked into Simmons Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I was entering the establishment with the intentions of opening a checking account. I was greeted by XXXX XXXX and led to her office. I explicitly stated I wanted to open the most basic account with no fees and no overdraft ability. She assured me time and time again that was the case and that was the type of account I would be opening. Well come to find out she lied and the account she opened for me had an {$8.00} monthly fee. I assume this is not the first time its happened and wont be the last. I feel like this is a common practice with them to get people to sign up with bank accounts with them. I don't feel like this was a simple accident as I made it very clear I did not want an account that had any monthly fees.
Product: Mortgage

PenFed artificially inflated at least XXXX fee it charged me to pay off my mortgage. The payoff statement ( attached ) listed a {$48.00} " release fee. '' No such fee had ever been mentioned in my loan application or loan agreement. When I questioned that fee, PenFed said it was a County-imposed mandatory fee. My own research revealed that the County 's lien release fee is actually only {$41.00}, and that I could submit the request and pay the County directly. See XXXX and attached excerpt. So I told PenFed to send me the Certificate of Satisfaction and I would handle the release request. XXXX refused, and insisted I pay the entire {$48.00} before my loan would be considered paid off. I paid it to prevent PenFed from dragging out my payoff ( and holding my credit hostage ) any longer, then sought a refund from PenFed. PenFed refused. Inflating fees for bogus services associated with mortgage loan payoffs seems an unfair, deceptive and abusive practice. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX, Equifax and XXXX. I sent my disputes certified mail. None of this companies has responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EXPERIAN permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EXPERIAN are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing credit report I noticed that have some unauthorized hard inquiries. Please remove all listed below from all 3 credit bureau because it effecting me in negatively. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX duplicate XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am being accused of owing a car loan in the amount of {$17000.00} with Kia Motor Finance that I am not aware of! This has happen to me before where someone had gotten a vehicle in my name. I have been a victim of identity theft since 2004. This account was fraudulently open in my name. Now there is a repossession on my credit which is causing so much damage on my credit. I have tried to dispute this issue for months and this is still hindering my credit!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Although their investigation shows that they received request for automobile financing on my behalf for both XXXX XXXX XXXX and XXXX, they denied me credit twice ( XX/XX/2022 and XX/XX/2022 ) which is a violation of 15 USC 1601, 15 USC 1611 and 15 USC 1691 .
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 fund when transactions were authorized, I was charged due to lagged posting of charges & 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 and request an investigation into my account transections
Product: Debt collection

I noticed some fake accounts on my credit report that are harming my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Navient in XXXX and continued a relationship with them until XXXX. During this time, I made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, and another in XXXX. Since then, until the closing of the account I continued to make timely payments. Although this account has since been closed, it is causing me extreme hardship. I am hoping that Navient can submit a XXXX XXXX  form ( AUD ) to the credit reporting agencies requesting that they remove the late payments. I really enjoyed doing business with Navient and a quick look over my account will show that I was mostly always on time, and everything was paid. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Navient. Thank you for your time.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received the results of a re-investigation of a public record on my Transunion Credit report. The re-investigation is reporting a XXXX  XXXX Bankruptcy as 100 % accurate. I have requested the credit bureau investigate the legal name, address, birth date and full social security number of the debt that is reporting as the debt is being report fraudulently. On XX/XX/2023, I called Transunion 's dispute line and spoke with XXXX who refused to tell me the method of the verification of this debt. I asked if it was a third-party and if so, if he can give me the details so that I may contact them. XXXX told me the public record is solely verified through the US Bankruptcy Court. I was given the phone number XXXX to call and challenge the record. The court system has verified that they did not and do not verify any information with the credit bureau. Therefore, a full investigation of my legal name, full social security number, birthdate and legal address could not be fully confirmed according to 15 USC 1681. 

My rights to privacy are clearly being violated. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They have violated my rights numerous times. 

Transunion has violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Speedy Cash loan was in collection from XXXX. 
Speedy Cash sent my loan to XXXX XXXX XXXX in Kansas. 
XXXX sent a notice XX/XX/XXXX which was received by me through USPS. 

XXXX  are now received scheduling me for arrest. 

Lender and collection agency are both licensed by state and federal agencies. 
Please begin procedures to revoke all business licenses from Speedy Cash.com and XXXX XXXX XXXX. 

NO PAYMENT WILL BE MADE TO SPEEDY CASH OR XXXX. 

Restitution is now needed for the threat of arrest. 

Cancel all balances with XXXX XXXX XXXX immediately. 
XXXX sells customer information to scammers under various names. 
Scammers have all information from XXXX and lender files.
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach, resulting in fraudulent accounts and inquiries appearing on my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of these unauthorized entries. 
Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX  - XXXX - XX/XX/XXXX - {$190.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$5500.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$150.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$1100.00} Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account with {$500.00} limit and a {$10.00} charge with this company was alerted to me via my credit reporting apps on XX/XX/2021 in my name. The phone number does not work so I had to send a letter through identitytheft.gov Just waiting on a response.