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

I submitted an identity theft report to these companies and they have refused to remove them. Someone has used my personal information multiple times to open telephone accounts and Incured medical debts in my name even credit cards. I am trying to clear any fraudulent activity so I can purchase a home and these are negatively affecting my consumer reports.I spoke to multiple people who all told me to file a FTC report which I have and submitted to them multiple times once in XXXX and another in XXXX they have refused to remove these items from my report. XXXX, XXXX and TransUnion are not being fair when it comes to people who really have experienced someone stealing their identity and I would like a response and for them to be removed asap. I am uploading my FTC to prove I am a victim and should not be treated like a criminal. They have opened {$530.00} at XXXX which I have never used XXXX in my life someone also attempted to get medical care worth {$1100.00} from XXXX XXXX XXXX which Ive never stepped foot inside all I have reported and nothing has been done and they are still on my consumer reports. I have proof they received my FTC report XXXX  closed the XXXX account but this is not my debt this should be deleted completely from my credit report yet they have not removed this or team XXXX XXXX XXXX from my report. XXXX and TransUnion have completely ignored both of these accounts as being fradulent and an inquiry they refuse to remove after I submitted this multiple times that this was not mine XXXX XXXX XXXX XXXXXX/XX/2023 was not mine I have no idea who or what kind of inquiry that even is. I have froze my report with all three bureaus and XXXX  and XXXX XXXX  to prevent this from happening. I would like all of this resolved so I can move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and saw that theres still a collection that i disputed a few moths ago that is violating some FCRA laws and should not be reporting in my credit. I'm now in search for a house and this collection is keeping me from getting better rates its affecting my credit please help me DELETE this negative remark. The collection that needs to be REMOVE will be listed below. 

XXXX, XXXX XXXX XXXX acct # : XXXX Amount : {$2000.00}. 


This account is in violation of 15 U.S. Code 1681e - Compliance procedures. 

PLEASE DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is burying the link to a free credit alert, and instead, pushing their own service that costs XXXX XXXX has documented the changes to their website in the days after XXXX 's colossal XXXX-up. 

XXXX XXXX XXXXXXXX The actual link to free credit alerts goes down frequently, if it 's functional at all : https : //freeze.transunion.com/sf/securityFreeze/landingPage.jsp It 's one thing that XXXX can not manage sensitive information properly, and are not being held accountable, but now you have the other two rival vultures doing their best to further deceive and inconvenience customers to a maximum. 

WHEN WILL SOMEONE STAND UP TO THESE COMPANIES?
Product: Credit card or prepaid card

When Lowes posts payments to your statement they take the payment and prorate it over all your different ongoing accounts that have different due dates IE 6 months 12 months etc. By doing this your oldest due date may never get paid off completely, and you get charged the interest. I really thought this was declared illegal along time ago, and NONE of my other cards do this. Even some from the same bank as lowes. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a XXXX XXXX credit card in the last 6 months. So XXXX XXXX Inquiry on XX/XX/2022 is not resulting from my personal action.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to dispute two fraudulent accounts reported on my Equifax credit report by a company called XXXX. Equifax denied my request to directly dispute these accounts with them. XXXX is fraudulently reporting payment activity to the accounts in an attempt to commit fraud and circumvent federal and state laws. Equifax is complacent in XXXX criminal activity. No payments have been made to these accounts ever! In XXXX I disputed them directly with XXXX   and they ignored me. Equifax is obligated under the law to allow me to dispute inaccuracies to my credit report and investigate my claims but is refusing to allow me to do so.
Product: Credit reporting or other personal consumer reports

XXXX has reported on my credit profile a Social Security account for {$500.00}. Said account was paid and closed at the creditor 's request. Yet, said account remains on my credit profile.
Product: Credit reporting or other personal consumer reports

Experian is reporting my Personal Information inaccurately, and I demand it be corrected immediately. Delete these Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is not 100 percent accurate and must be deleted. 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 person knows or has reasonable cause to believe that the information is inaccurate. This is a violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) and Experian does not have my consent to share my personal information with anyone or any corporation. This is a violation of my right to privacy, 15 U.S. Code 1681b. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Says that a person shall not furnish any information relating to a consumer to any CRA if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

the two collection companies that has called, served me with papers and has sent a sherriff to my home to seize my assests. the hospital has billed me for my daughter who is now and was on state XXXX at the time of her visit. I had a visit and at the time I had insurance through my work. I was having terrible XXXX XXXX and I waited for the day for my insurance went into affect, and waited for my H.R. lady to print out my information to give to the hospital. they never filed atndnd XXXX days it 's too late to pay for that date. another is for the day my son was born. I have a XXXX dollar bill. I was on state XXXX and so was my son. the hospital told me XXXX did n't pay because they said I had and private insurance st the time when I didnt. I called XXXX and they went back and researched the dates and they said they paid out. in returning the call to the hospital, the lady I spoke to reviewy file and she said that the bill is final and the boars refused to look over my case anymore. why should I be responsible for this when I was on XXXX. these bills that either were n't submited correctly or at all and is being refused to look at again is unfair. this is killing my credit. not to mention I ca n't afford it. the representatives at these collection companies are extremely rude. they do n't want to hear what you have to say. you ca n't work a payment arrangement with them because they want what they say you have to pay and if not they will send a sherriff out to your home to say care you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX continue to lie including in complaint ending XXXX which they have participated in an Criminal Fraud Scheme led by their client fake doctor XXXX XXXX fake SSN numbers XXXX and XXXX in which they are concealing but detailed it on XXXX. 

THE CFPB MUST FINE XXXX  XXXX XXXX  UPON CLOSING THIS COMPLAINT. 

1. ON XX/XX/XXXX AT XXXX TO XXXX  XXXX XXXX SPOKE TO MALE EMPLOYEE XXXX WHOM TOLD ME THIS IS AN CRIMINAL OFFENSE AND HOLD ON WHILE I READ THIS CRIMINAL OFFENSE ABOUT XXXX XXXX INVOLVEMENT. 

2. ON XX/XX/XXXX AT XXXX I RECEIVED AT CALL FROM XXXX XXXX XXXX XXXX AND SHE SAID WE SENT YOU A SATISFACTION OF MORTGAGE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND XXXX XXXX XXXX WERE FULLY AWARE. 

THE CFPB MUST FINE XXXX  XXXX XXXX FOR THEIR ROLE IN CRIMINAL FRAUD.
Product: Credit card or prepaid card

I have received notices that my bill was due via email. My card was then declined at a point of purchase so I check online to see status. It showed bill was not due until XX/XX/17 - however I assumed there was perhaps a past due balance. The website would not allow me to view any of my statements in order for me to verify the past due balance. As I am on " paperless '' statements - I can only access the details of my invoices online - and for a period of 1 week that was unavailable. I reached out directly to XXXX ( XXXX ). They advised me that since I had a past due balance, I could not view the details of any statement. They then advised they could snail mail me a copy but it would take 7-10 business days. They assured me no more late fees would incur- however they would not assure me that adverse action could be taken against my credit due to the lateness as I awaited the bill. As I did not want to take that chance, I paid my balance in full - not fully knowing exactly what I was paying - and closed my account. However, as a consumer I have a right to have my debts detailed.
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 the 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 and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports to verify my personal information. Im unable to dispute the incorrect personal information via Experian, XXXX or XXXX  website. 
My name and SSN are wrong. 
My name is XXXX XXXX XXXX, not XXXX. 
My SSN is XXXX. 
My DOB is XX/XX/1987. 
My address is XXXX XXXX XXXX, XXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX never gave EQUIFAX or XXXX, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The company that is furnishing this information to the credit report agency has failed to validate this account. I submitted a XXXX complaint on XX/XX/XXXX which I will attach showing that XXXX  responded stating that the XXXX XXXX failed to reply. The account also states that this is a collection, but there is no collection agency on the account which is another violation. I will also attach the dispute letter sent to the credit bureaus on XX/XX/XXXX which is dated, and time stamped. XXXX has since removed this account. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX
Product: Credit card

Contacted XXXX that USPS marked the parcel as delivered XX/XX/ but it was not received. USPS tracking states : Your item was delivered to an individual at the address at XXXXXXXX XXXX on XX/XX/ in XXXX, PA XXXX. The item was signed for by XXXX XXXX. I am not XXXX XXXX. I dont know anyone by that name. I am the only person who resides at this address. XXXX rejected my claim because the tracking shows delivered. Contacted via XXXX and Goldman Sachs, both rejected. I did not sign for this package nor did I make contact with the courier that day.
Product: Credit reporting or other personal consumer reports

Accuracy of my credit report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the Ist time.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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: Money transfer, virtual currency, or money service

I made a deposit to Coinbase on XX/XX/24 in the amount of {$2000.00}. They subsequently placed a restriction on my account so I am unable to send crypto, I have spent hours on their chat trying to resolve the issue but can not get an answer as to why the issue hasn't been resolved. They have had it " under review '' for more that a week but have still not resolved the issue. They will allow me to return my deposit to my checking account but will charge me a fee ( XXXX ) of {$36.00}. Coinbase is the only option in XXXX for crypto so coinbase has a monopoly which they seem to abuse. I have no choice but to use coinbase for crypto.
Product: Checking or savings account

On XX/XX/21 a friend of mine gave me some money and asked me to hold onto some money of hers so she didnt spend it because she was trying to save up for a vehicle and something always happened and she would need the money before she had enough to get the vehicle she wanted I said no problem that I would deposit it on my way home. I stopped at the gas station on my way home and ran into an old acquaintance that asked if I could give her a ride home. I said I had to run to the atm but yes I would give her a ride. While I was driving she was on my phone controlling the music for the ride. I deposited the money and then took her home and went home myself. The next day I noticed the money was gone from my checking account and had been added to XXXX XXXX. I checked my XXXX XXXX and it was added and then sent to XXXX XXXX, which I assume is a fake name for a XXXX XXXX made by the chick I was giving a ride home so it wouldnt lead directly back to her. I disputed the transactions with XXXX XXXX and with PNC because the person I talked to at PNC said it would be best to do both. PNC did an investigation and deemed the charges not fraudulent. I disputed it again and had the same result but the lady I talked with told me that because it happened on my phone it will almost always turn out that way and that I needed to dispute it here because they were in fact unauthorized transactions and I should not be responsible for them.
Product: Checking or savings account

I was scammed into a fraud encounter of {$250.00}. I disputed the transaction multiple times with the company CASH APP and my Bank XXXX XXXX stating this was fraud and a scam. They continued to denied my claim and did not refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 2. The following status is incorrect and XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 3. The followng information is incorect XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 7. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, ARA, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX County tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, ARA, called her stepson and told him fraud charges were being filed against me in XXXX County. 
I called ARA again and asked that they not contact anyone else because they have by mailing address and phone number.
Product: Debt collection

Received a phone call from a locator who asked if they were speaking with me. When I answered yes, they immediately asked for my address. No forms of verification, just wanting my address. When I asked for what, he answered that I had a claim and gave me the number to XXXX XXXX ( XXXX ) and a claim number ( XXXX ). The representative went about trying to use scare tactics to get me to pay a debt that I was unaware of. I have received no credit reports for this debt, I have received no documentation of its past due payments or even any information that it would be sent to a collection/claims agency. Ive been threatened with a fraud charge and jail sentence. The XXXX XXXX  is using harassing and scare tactics in attempts to collect a debt. When asked for documentation, they refused, saying I could call the loan agency and theyll verify that they are now in charge of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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: Mortgage

Shellpont Servicing Mortgage and Newrez Mortgage company is refusing to adjust my PMI on my loan. I originally assumed the loan with XXXX XXXXe and it was subsequently sold to XXXX XXXX XXXX and then the New service Shellpoint Mortgage Servicing provider Loan XXXX XXXX. I requested and adjustment to my PMI with XXXX on XX/XX/XXXX to remove the PMI which was 1.25 % being charged at the time. XXXX Sold the loan to Shellpont Mortgage Servicing on XX/XX/XXXX,, XXXX and they never made the adjustment to remove the PMI off the loan since XXXX. 

I repeatedly called both service providers and was advised to refinance the mortgage in order to remove the PMI, in which is a violation of their Contract and the Federal Regulations. I have attached the copy of the contract as well as the letter I received to refinance. 

Per the contract and the Addendum received dated XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX, please see attached copy of the contract, which specifically states that an " Automatic Reduction " would take effect on the first month on or after XX/XX/XXXX, which never happened, I brought this to the Attention of XXXX and Shellpoint Mortgage Servicing, either company has resolved my concerns or has been willing to take the appropriate steps to make the adjustment on my loan.