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

To whom it may concern, I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX : XXXX XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealer I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I received a phone call from Navy Federal Credit Union stating I was accused of fraud, and my XXXX account was suspended before conducting a proper investigation. The XXXX XXXX representative stated XXXX was the party responsible for suspending my account, and I would need to contact them directly to request for the suspension to be removed. I submitted text messages from the accuser directly to XXXX XXXX on XX/XX/23 as proof that I did not commit any fraudulent activities. I also filed a complaint against XXXX with CFPB on XX/XX/23 regarding my account. XXXX responded on XX/XX/23 ( letter attached ) and confirmed they completed a thorough review of my profile and confirmed there are no restrictions on their end. I called Navy Federal on XX/XX/23 to receive an update regarding the proof I submitted on XX/XX/23 so that a proper investigation could be implemented. As of todays date XX/XX/23, Navy Federal has not reviewed the information I submitted nor started investigating the falsified claim made against me and my suspended XXXX account. IT HAS BEEN OVER 3 MONTHS!!
Product: Student loan

previously, I 've have been trying to make arrangement in paying navient they put my loans in forbearance, after that I would make arrangements to make payments of XXXX for a certain amount of months. I gave them my credit card to take the payments. they would take 1 or 2 payments, Navient would send me paper work to fill out. I would send them the paper work, navient would tell me that I did n't qualify for the payment plans, or they did n't receive the paperwork in time! Navient would not continue to take the payments Navient would tell me to call them back when I have the money to make arrangements for payments. I did n't know what kind of arrangements they were talking about because they would tell me to pay for that payment. then they stopped taking payments. One time I went through the whole months they told me and still. I 'm here trying to solve. to make arrangements for payments.
Product: Debt collection

On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to Experian, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to Experian but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$3000.00} on XX/XX/XXXX, which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which is showing duplicate and with different balances, 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 financed our XXXX XXXX XXXX, in XX/XX/XXXX, I called XXXX and spoke with a representative to ask for assistance because my payment was late. The female representative noted my account and told me as long as I made the payment I did not have to worry about repossession of the vehicle. However, on approximately XX/XX/XXXX, my husband contacted XXXX XXXX XXXX to request a payoff of the XXXX XXXX XXXX, because he was attempting to trade the vehicle in for a vehicle with a more affordable payment. The man representative he spoke with, began telling my husband he needed to make a payment first. My husband explained he was not able to make a payment at the time, however I was going to make one. The representative still would not tell my husband the payoff amount. My husband then explained that he was trying to trade the vehicle in for another vehicle, which is why he was requesting the pay off amount, therefore the vehicle would be paid off in full. The representative and my husband exchanged words, however the representative never provided the vehicle payoff, he stated he would email it to my husband, which he did not do. He instead made a note in the account that my husband refused to make a payment and stated that my husband wanted the vehicle picked up, because we were purchasing a new one. My husband never stated that, however several days later our vehicle was repossed. I requested to speak with a supervisor immediately and requested the telephone call be reviewed because my husband had made no such request. The representative was simply upset because my husband could not make a payment while speaking with him, so he utilized his position to be vindictive and create unnecessary expenses to our family while we were already struggling. I never heard anything from my complaint or request to have the telephone call reviewed. To make matters worse I recently discovered XXXX placed a repossession on both my husband and my credit, which will affect us in a negative manner in more ways than one for years. Most XXXX representatives are professional and helpful, however some of them are abusive and utilize unfair tactics against loyal customers. The representatives always state the call is being monitored, however when they are being unprofessional the call can never be located.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX XXXX  : XXXX-XX/XX/XXXX XXXX  : XXXX Chapter XXXX Bankruptcy Dismissed Transunion : XXXX, XXXX HOSPITAL XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX XXXX. Transunion : XXXX, XXXX XXXX  : XXXX Transunion : XXXX, XXXX HOSPITAL Transunion : XXXX, XXXX HOSPITAL Transunion : XXXX, XXXX  XXXX  : XXXX XXXX  : XXXX Transunion : XXXX, XXXX  : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Checking or savings account

I have a membership with money lion the fee you pay is XXXX and you are not supposed to have any fees, but this is not only where the problem lies. They state that membership fee is waived I have statements and screen shots to this affect. I went through all my statements going back to XXXX where they have taken the fee of XXXX but never returned any funds to me as stated. So where is this money that was supposedly received? I did not receive any money back and this past month I made a loan payment 1 loan Payment after this loan payment was made they still came at me saying my account was not in good standing when it was. and took another loan payment plus charged me all these fees that are not supposed to be. I am on XXXX money is tight I am fighting for my XXXX XXXX benefits. I dont need a bank stealing I pay too close attention to my money. I have asked for a refund was denied. I am owed a couple XXXX dollars and they did this to someone else I had sign up. As they are out money. I recommended them. After taking a closer look with their nonsense I have everything you need.
Product: Money transfers

Dear Sir/Mam, I am writing to you in regards for an issue involving the wire transfer of {$2000.00} to my Beneficiary 's account who holds an account with the XXXX bank located at XXXX, XXXX branch. 

I hold an account with Citizens Bank located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA, USA. Since two months were over and as the money transferred from my account to the beneficiary 's account was never credited to his account under the specified period of time ( reason still unknown ), I had to recall the wire transfer with the help of Citizens Bank back to my account but neither the money has been credited back to my account. 

Upon further searching, I was told by Citizens Bank that the XXXX Bank had already sent the wire transfer money to XXXX and XXXX XXXX XXXX who acts as an intermediary bank in regards to the Citizens Bank has been waiting for XXXX to respond to them in this issue. ( as informed by Citizens Bank official ) I would really appreciate and would be highly obliged if you could help me resolve this issue as soon as possible just because being a recent graduate, the amount of {$2000.00} means a lot to me and the issue has taken a way longer than normal which in itself has been very stressful! 

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

I contacted all three credit bureaus ( XXXX, XXXX, and Equifax ) about a Bankruptcy being reported to my report. I asked them for verification which I was informed that XXXX XXXXXXXX XXXX XXXX XXXX reported this account. Upon Contacting XXXXXXXX XXXX XXXX XXXX XXXXXXXX I was told in writing that they do not report to any agency or give out personal information to anyone. I then contacted the bureaus along with CFPB about this reply and the response I was given by CFPB is that XXXX report I was a victim of ID theft ... which how can they report something like that without me asking or saying something. As for the Bankruptcy that is being reported by the XXXXXXXX XXXX XXXX XXXXXXXX, According to the Fair Credit Reporting Act ( FCRA ), which is codified under 15 U.S.C. 1681 et seq., courts can only report information to credit bureaus if they have a court order or subpoena, meaning they generally can not directly provide information to credit reporting agencies without a legal requirement to do so.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Transunion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/2024 On date XX/XX/2024, I submitted a dispute to Transunion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Transunion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company incorrect in reporting accounts payment balance, amount, payoff status, address and account open date.
Product: Prepaid card

I reported fraudulent activity to Amex on my prepaid card which they assured me they would thoroughly investigate and would send me a new card. Less than 24 hours later I got a notice by email that the dispute was determined to be a valid charge and that I had violated the member terms and conditions so they were suspending my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report. As a consumer by law this account must be deleted immediately.

This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Mortgage

After the financial relief of the mortgage that was authorized by the government, I benefited from said aid for 5 months, my mortgate was XXXX per month, which when I started my payments again, it rose to XXXX and they opened a second mortgage for me of which I was not notified. for the sum of XXXX, which is why I have contacted you since I have communicated with XXXX to clarify this situation and to date I have not received any clear answer. 

I attach bank statement documents from 2020 in which I have a single mortgate and I attach 2020 with the second mortgage
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave permission for any of these companies to run my credit. I contacted all of the companies and they still havent done anything about it or removed the inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I am trying to close account XXXX. However, I live in Colorado and they are requiring me to visit a branch to close the account. I find it unreasonable to go to the nearest branch which is no where close to where i live to close my account. I tried calling their customer service and they told me to go to a branch. If huntington pays for my transportation and lodging I will visit a branch to close my account. Other than that I want them to close my saving account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXt # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a current complaint against 'ideal collections ' ( case ; XXXX ). This new complaint is about Equifax. XXXX has already recognized the fraud from ideal collections and has removed it from my credit report for life. Several other credit agencies have looked into their fraud as well ( XXXX  and XXXX have been very helpful ). I've disputed this situation with Equifax many times. I'm on the phone with them constantly. Today, an Equifax representative admitted that they did not have any documentation proving this to be a legit debt. Since XX/XX/2018, I have still not received anything in writing providing any info ; what the debt is for, why it's owed, etc. I have been blocked by XXXX XXXX and XXXX XXXX. They claim that I owe them a debt, but have blocked me from calling them. I've attempted numerous times to work with Equifax. The outcome is always the same ; unlike all of the other credit agencies, they claim it to be a legit debt based on nothing. No info, no paperwork, no signatures, no explanation as to what it's even for, etc. My family has been contacted all over the United States by these scam artists. I'm to the point of looking into taking legal action against Equifax for allowing the harassment and fraud to continue. I have recently missed several financial opportunities due to this fraud that Equifax refuses to recognize. For the record, my score with XXXX is in the high 700 's. Equifax ; XXXX. This is getting out of hand. I find it to be very unprofessional and unethical on the part of Equifax. I have asked Equifax, XXXX XXXX, and XXXX XXXX for any type of documention. Again, no response. Please help me to have this removed from my ( for the last several decades ) excellent credit history. 

Thank you, XXXX XXXX
Product: Mortgage

My old complaint number, against Carrington Mortgage Services is XXXX. 
This is a brand-new complaint against Carrington M. S., same Account Number XXXX. 
Item 1. Statement Dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, charging late penalty of {$17.00} plus two months mortgage of {$520.00} each month, total {$1000.00}. 
This amount was paid through XXXX XXXX XXXX on XXXX/XXXX/15. 

Item 2. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15. 
I DO NOT KNOW IF cfpb IS RESPONSIBLE FOR THIS MIRACLE. 
No payment was required for the month of XXXX 2015, and the penalty {$17.00} was used to pay down the principal. 
XXXX XXXX I got sick and was not at home. I asked my daughter to pay {$520.00} on XXXX of each month beginning XX/XX/XXXX. 
Item 3A. Letter dated XXXX/XXXX/2015, stating XXXX/XXXX/2015 payment of {$520.00} was not received and late charge of {$17.00} was assessed. ( This scan at end of list ). 
Item 3. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, for {$520.00} plus {$17.00} plus {$520.00}. Payment of {$520.00} was made on XXXX/XXXX/2015. 
Item 4. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, $ XXXX {$17.00} plus {$520.00} plus {$17.00}, grand total {$1000.00}. 
Item 5. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, asking for {$1000.00}. 
It is clear to see that by creating a subterfuge of a " NO PAYMENT MONTH '' a charge of {$17.00} could be imposed " EACH '' month.
Product: Vehicle loan or lease

My belief is that Santander Consumer USA is using predatory lending practices. My auto loan was opened in XX/XX/2013. After XXXX years, nearly 50 % of my monthly payment is still being applied to both Interest and Principal. At that rate, unless I have a XXXX lump sum payment, I will NEVER be able to payoff the loan. I am aware that this company was found guilty of such practices in XXXX and must pay over half a billion dollars in restitution in a number of states, including IL where I reside. My car currently has over XXXX miles and is only worth {$400.00} according to the XXXX XXXX XXXX. I have just had to purchase a new vehicle for safety reasons and there is no way I can afford to pay 2 car payments. There have been a number of times when my payment was late due to a XXXX diagnosis and treatment. However, I still do not believe that my balance should still be so high. My payment should after all of this time, I believe be 100 % applied to the Principal of the loan. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION IS BEING REPORTED ON MY CREDIT PROFILE THAT WAS NOT MADE BY ME
Product: Mortgage

In 2020, my mortgage company paid my insurance payment out of my escrow account. It was lumped with another one of their customer 's payment to the insurance company on one check. The other customer ended up cancelling their insurance and therefore, The Money Source, got a refund check back of BOTH OF OUR payments. Everything on our statements looks like they paid our insurance but when you do the math, we never received our refund and went for over 1 year WITHOUT insurance on our home ( hurricane area ) without knowing.

I called The Money Source multiple times, e-mailed multiple times, sent them the XXXX spreadsheet that showed them the error and they said that I needed to talk to my new servicer ( loan was sold 3 months after the check was stopped ). I explained that the new servicer has nothing to do with it because they got less in our escrow account than they should have and The Money Source is holding our money. 

In addition, because this had to do with a mortgage, our tax documents are also incorrect.