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

Fraudulent credit inquiries on my Experian credit report on XXXX. 
2 inquiries from XXXX XXXX XXXX I call them and they would not remove it.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft and return item 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 and request an investigation into my account transactions.
Product: Bank account or service

I received an alert from my credit monitoring service stating that there was a new inquiry for a credit application on my credit file from Navy Federal Credit Union on XXXX XXXX, 2016. I have never applied for credit from this lender and contacted the creditor to state that this was fraudulent.
Product: Mortgage

Specialized Loan Servicing acting as the Servicer has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of HBOR law is based on Specializing Loan Servicing improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. in addition, Specializing Loan Servcier has repeatedly denied me help several times and i never get a single person to answer my questions honestly or directly. They always have XXXX of people pass of my file amongst each other just to create motion and delays. i intend to keep my home and i meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Specializing Mortgage illegally commenced and is conducting a foreclosure while reviewing or without attempting to find workout relief options for myself. they have mishandled my documents and file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out on the streets. they have clearly violated HBOR specifically under the dual tracking clause. Specializing Loan Servicing instructed and allowed foreclosure trustee named XXXX to illegally start foreclosure on my property. The Specializing Loan Servicer and know your options website gave the result that i am eligible for a loan modification with a lower payment to save my property. so there is no reason why Specialized Loan Servicer should have denied my request or started foreclosure on my home.
Product: Debt collection

I have been contacted by XXXX repeatedly stating she will be serving me with a court date to sue me at my home if I do not call another number before tomorrow. I called the XXXX number and was told they dont know who XXXX is, but they are serving me legal documents at my home. The man did not give his name, would not verify anything about the debt, but said I could start a payment plan and he was from XXXX XXXX XXXX. Otherwise, they will take me to court and garnish my wages. I checked with the original creditor, XXXX XXXX, and the account was never sold to XXXX XXXX XXXX, who is the number I called. I am being harassed and threatened. Please put a stop to these companies.
Product: Debt collection

On XXXX/XXXX/XXXX a claim through XXXX in the amount of {$1100.00} from provider " XXXX XXXX XXXX XXXX '' was processed with {$770.00} applied by XXXX, it was then reprocessed that same day as {$580.00} applied instead, the difference being an over payment in the amount of {$180.00}. The above " XXXX XXXX XXXX XXXX '' is an in-network provider. This overpayment amount {$180.00} is to be paid by the provider and neither by XXXX or myself. " XXXX XXXX XXXX XXXX '' should therefore pay this without ever billing anyone. For reference purposes to distinguish this from proper balance-billing, a different situation which is common, arises for when an out-of-network doctor appears for example unexpectedly in an ER or XXXX setting ( e.g. XXXX ) but the provider overall is in-network, where balance-billing is invoked. Customer/patient pays provider, XXXX reimburses provider and we are done. I have experienced this before and it works pretty smoothly. NOTE balance-billing is a proper example. The addressed situation in question is NOT applicable to balance billing and is the improper use of billing an overpayment to customers. 
The reason for this request of investigation into intentional fraud and extortion, is that 16 months later from the date of XXXX/XXXX/XXXX " XXXX XXXX XXXX XXXX '' has fraudulently applied the over payment amount of {$180.00} to be paid by me. There was never any correspondence sent to XXXX or myself at all within this time. Instead a collection agency ( United Consumers , Inc ) was improperly contracted by " XXXX XXXX XXXX '' to handle this. The use of a collection agency without notifying XXXX or myself prior is an act of a ) fraudulently passing an overpayment as a balance owed by a patient and b ) extorting patients for the overpayment amount since their credit score will be effected quickly. Based on other reports against " XXXX XXXX XXXX XXXX '', I believe that these overpayments are intentionally fraudulently applied as balances, especially the smaller amounts being sent to collection so that patients pay providers without questioning the activity. Since the data presented by the collection company corresponds to tangible sums of money and dates of service by the XXXX XXXX XXXX XXXX '' and documented by XXXX, a patient will be smoothly strong armed or squeezed into paying the amount before it goes to credit bureaus without raising an eyebrow. Naturally the collection companies remain neutral while XXXX is virtually unaware of the situation ( until contacted of course ). As of XXXX/XXXX/XXXX this current situation is in the process of being resolved ( hopefully ) via XXXX 's taskforce against " XXXX XXXX XXXX '' and " United Consumers, Inc ''. The collection company " United Consumers , Inc '' has provided only a timeline hold until XXXX XXXX XXXX. The provider " XXXX XXXX XXXX XXXX '' must be the XXXX to make the correction. They have intentionally placed a fraudulent overpayment as a balance to be collected, and I truly believe that they will not correct this issue unless there is oversight from CFPB or law enforcement.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at www.ftc.gov. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

*** XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX  XXXX XXXX, TX XXXX < -- ( DELETE WRONG ADDRESSES, NOT MY ADDRESSES ). 
XXXX XXXX XXXX XXXX {$21000.00} < -- ( NEVER LATE HOW IS THIS VERIFIED AS ACCURATE? REVIEW MY ATTACHED DOCUMENT REGARDING THIS ACCOUNT FOR XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$3500.00} < -- ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) XXXX XXXX XXXX XXXX {$390.00} ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING
Product: Money transfer, virtual currency, or money service

There was a hack to my checking account on Capital One Bank on the day of Monday the XXXX of XX/XX/2021. The fraudster hacked in around XXXX XXXX and had utilized the XXXX payment system tied to Capital One and sent out {$650.00} USD to the fake name XXXX XXXX. The money and my account are put on hold and pending credit, instead of immediate reimbursement for the banking customer. According to Capital One 's investigation department, they take this issue as a customer fault using it as an excuse to close your account without questions or proper investigation putting the customer second instead of first. Also, based on research other banks will refund you this money since you are utilizing their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. 
acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX  XXXX acct. # XXXX. 

15 USC 1681 Section 602 A states I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Prepaid card

I have an American Express Prepaid Redcard. It is loaded at XXXX. I went to a XXXX on XXXX XXXX, 2015 at XXXX. 
I loaded {$490.00} to my Redcard using my debit card. The receipt printed. On the receipt in showed an incorrect balance for the Redcard. This indicated that the load failed on American Express end. The receipt also shows that the money came off of my debit card. I initiated a dispute with American Express at ( XXXX ) XXXX immediately. I kept in touch with American Express for XXXX weeks. Still no money. On XXXX XXXX I spoke to someone at American express again. They got someone on line from American Express in Utah. This person was XXXX XXXX. XXXX said send him a copy of my receipt and I would have my money in XXXX days. It has been XXXX days since then and XXXX days since I first contacted AMex. XXXX XXXX ' XXXX email is XXXXXXXXXXXX. I have sent numerous messages to him with no response. So this evening I called the number again. I was told they were not doing anything. That they determined no money was due. 
So they take the money off my debit card, do n't load my prepaid card and keep the money. This is unacceptable. 

I have attached a copy of my receipt. This clearly shows the money was taken from my debit card.
Product: Mortgage

They apparently just took over my mortgage note & the first correspondence I received from them was a welcome notice & a late notice on the same day. I was never notified that they were taking over the note, which is equal for the prior note holder, but the issue is I was not notified and my auto debit was cancelled resulting in a late notice.
Product: Debt collection

I have received two voicemails from a XXXX from NCB Management with the following details : this is a purchased debt, looking to set up affordable arrangements and the call is from a debt collector. These voicemails have been left on a cell phone, which I have n't extended consent to call, and they 've left very detailed information on a line that is not registered to me nor does it identify me in the recording, which is high risk for third party disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 by letter, and with the CFPB electronically on XX/XX/2023 which is currently marked as closed and verified for these items. This means you are required to updated the report showing your completed investigation reports and proper statuses. I am showing below that these accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau. 

I am showing that the bankruptcy information that is being reported is inconsistent across bureaus. They have completely different court names & different filing dates. These were verified as accurate in the investigation you completed. 

Now, you no longer have the chance to correct it. You need to delete these items. These inaccuracies are all serious violations of the FCRA and consumer rights of accurate reporting to my credit report. 

As a result of the negligence of your investigation not being done properly, & the numerous attempts I have made to ensure my information is being accurately reported, please delete these accounts immediately as you have violated my rights & the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX 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, credit repair services, or other personal consumer reports

I have filed multiple disputes with Equifax concerning an unauthorized hard inquiry ( XXXX XXXX XXXX Acct # XXXX ). On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from Equifax that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXXXX/XX/XXXXsent me a letter and also sent a letter to Equifax saying " After review of the XXXX XXXX XXXX claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to Equifax to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does Equifax continue to say the hard inquiry is verified? That's a lie! This is really starting to irritate me. I am also a victim of the Equifax data breach. 

XXXX responded to my cfpb complaint # XXXX and attached the letter, which is dated XX/XX/XXXX, which states, " We previously advised the credit reporting agencies to delete the account and the associated inquiry from your credit report. '' SEE ATTACHMENT. 

With this evidence, Equifax is in violation of the FCRA and must delete this inquiry TODAY. 

This hard inquiry needs to be removed from my Equifax credit report today!

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX XXXXn regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Debt collection

Linebarger Goggan Blair & Sampson Llp Have been sending us multiple unpaid ticket fines by local governments to me by email. The dates dont even match and I dont currently have any unpaid tickets. I have been receiving multiple letters under different peoples names stating we have an outstanding balance.
Product: Credit card

I requested information from both Apple Card and Apple Cash on why I am not being able to access or redeem the {$25.00} Apple Card Family promotion that was deposited by Goldman Sachs in my Apple Cash account on XX/XX/2023. 
I spoke with several Apple customer service representatives and supervisors, and explained that I can not see or access the {$25.00}. Furthermore, I noted that I had filed a complaint with the CFPB against Goldman Sachs and received a response stating that Due to a system error, the {$25.00} was not added to the Customers Daily Cash balance within 7 days of the posted transactions as stated in the terms of the promotion. The Bank confirmed {$25.00} was added to the Customers Daily Cash balance in relation to the referenced promotion on XX/XX/2023. 

I contacted Apple multiple times seeking a resolution, to no avail ; eventually I was told by an Apple representative that Its ONLY XXXX dollars!! 

The delay tactics by Goldman Sachs and now by Apple is beyond frustrating. This should never be allowed to happen to any customers.
Product: Credit card

SoFi is charging interest for credit card customers even when their statement balance is paid in full. They are denying a refund of this incorrectly charged interest even though their is clearly a fault in their system.

SoFi are not accounting for credits applied to the statement balance. The statement balance is considered 'paid in full ' when payments + credits equals the statement balance amount.

When a user logs into the system the option is shown to 'pay statement balance '. This shows the balance remaining less credits applied. When this amount is paid they then charge interest even though the entire balance has been paid. 

Examples : XX/XX/year> statement balance - {$2300.00} Amount paid ( payments + credits ) - {$2300.00} They charged {$31.00} in interest even though the balance was paid in full. 

XX/XX/year> statement balance - {$2200.00} Amount paid ( {$2200.00} payment + {$31.00} credit ) - {$2200.00} They charged {$47.00} in interest even thought the balance was paid in full.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX*