23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am banking with Navy Federal credit union and i recently had a fraud situation. I called and let my bank know the situation. My card was on my girlfriend XXXX and XXXX, just like it has always been. She called me the day I made my claim and said that she kept getting dings for charges from XXXX and XXXX. Days prior her XXXX got hacked and some lady took it over and is using it today. I looked on my phone and I was being charged so I froze my card and called Navy federal and told them what was going on and tht I froze my card. While I was on the phone with Navy federal I informed the lady that I was getting texts on my phone saying my card was charged but was frozen and I let the lady at Navy federal know and she said it's okay she was cutting the card off and sending me another one so I cut the card up and threw it away. Yesterday I got an email from Navy federal saying that they did an investigation and closed the claim and that they will be taking the XXXX back from my account on XX/XX/year>. I do not feel an investigation was done because I had no reason to lie and it was happening while I was talking to her. We have had thr accounts shut down by XXXX and XXXX. If that isn't a inconvenience I don't know what is. We got kids we use XXXX and XXXX for holidays, birthdays, a lot. I do not understand why I have to pay when I was taken advantage of and my bank should be protecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested review of a past statute erroneous debt reported to Equifax on XX/XX/XXXX. I had already reported this file to the other reporting bureaus and had the report successfully removed from my credit reports. I stated this debt was from XXXX and is past statute. However, the reporting agency simply updated the report to show the same dates as before and that the debt belonged to me. 

I again disputed the result by submitting images of my actual XXXX bill and other debt collector statement claiming the same debt owed predating the date provided by XXXX. No notification was sent to inform me that the review was complete. No changed were made by Equifax they simply continue to say the debt is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that are 2 years old are still on my credit report and need to come off. I am trying to purchase a home and this is hurting my ability. I know they are 2 years old but my loan officer wants them completely deleted. I need them off, please. There are 4 that will be 2 years old XXXX and XXXX INQUIRY that should be off there now. 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

The following accounts are incorrect, and they are adversely affecting my livelihood. 

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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/year>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/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Report where I discovered that ( CB/VIC SCT ) date opened ( XXXX ) a loan installment account was notated as a ( CHARGE OFF/ COLLECTIONS ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming me
Product: Debt collection

I am currently supposed to be in an income-driven plan but they put me in forbearance, I did not know that Aidvantage took me out of the either program. They later did not honor a letter from their company stating that my first payment would be in XX/XX/XXXX. They have reported negatively on my credit report before XXXX as missed payments when the payments had not even started yet. They have done this twice, the first time their rep fixed it, and that is when I received the letter stating then in XXXX that my first payment would not be until XX/XX/XXXX. No matter how many times I call no one will help me, and they deny that the letter was valid to me even though it came from a lead person ( rep ). Aidvantage is horrible!!!! They were reporting to the credit bureau for missed payments while I was in the income-driven plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I was unfoundedly charged a late fee and interest. Synchrony reversed both fees when I made them aware of the error, however I was charged " trailing interest '' the next month. I explained that the other fees were reversed due to error on Synchrony 's end over the phone, with managers and via online chat, but they refused to reverse the {$6.00} trailing interest fee. 

I was also told that the trailing interest fees are a new policy that I was never made aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
American Express - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX - Inquired on XX/XX/XXXX.
Product: Vehicle loan or lease

XX/XX/XXXX vehicle was repossessed and kept unattended with windows left down during rainstorm then immobilized due to improper business practices. Ive requested for Santander to dispute this claim with their tow vender & have simply stated that they deny. If damage is done to the vehicle then they should pay compensatory damages to resolve the issue.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX XXXX {$0.00}
Product: Credit card or prepaid card

Sams Credit closed my account without my knowledge during the process of a payment being made. They never tried to reach out to me by phone, email, or mail that there was a problem with my payment they just closed out my account without a warning. Very suspicious and I am detecting some type of identity theft and this sounds really fishy that they would do that.
Product: Debt collection

Before dealing with Mountain Land Collections, I had never failed to pay a single medical bill in my life. I almost never received medical bills before hearing from Mountain Land Collections. Most of the amount was due to the failure of the bills being run through insurance, which has always been provided prior to any medical visits. Bills often went to Mountain Land Collections without me receiving a bill or having a single conversation. After that, Mountain Land Collections wouldn't rectify any of the mistakes made when bills weren't processed through insurance. They continued to threaten additional charges if I did not pay money I didnt owe. Mountain Land Collections sued me for a mere {$360.00} that I didn't owe and underhandedly obtained a default judgment against me for {$1100.00}. Their entire billing process is disorganized and unethical. They take advantage of honest and responsible people.
Product: Debt collection

Company with the phone # XXXX has called me repeatedly and told I owe a debt which I paid seven years ago. Told me I would be served by the county clerk 's office and that I would have a lien put on my assets and that they have recordings of me vowing not to pay. 

She claims that its XXXX or XXXX. I have never received a single piece of documentation. This is distressing and wrong! Other ppl have complained about them at this website XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my account was charged off and it was also charged off last year in XXXX and also every month of this year. I made payments caught up and was current as of XX/XX/XXXX NationWide CAC LLC never reported my payments to the credit bureau I found out XX/XX/XXXX that they were reported my credit as a charge off and my credit score continuously dropped every month so I stopped paying and now theyre still charging my account as Charge off and saying I owe more than what I owed from the last Payment which was made in XX/XX/XXXX I need help please and thank you.
Product: Mortgage

Rushmore loan management services my fha home loan number XXXX for XXXX XXXX XXXX XXXX XXXX pa XXXX. In XXXX i requested help due to reduction of income as a result of covid19. They sent me a letter of approval for three month for XXXX XXXX and XX/XX/XXXX. I sent the request back signed the end of XXXX and emailed a copy XX/XX/XXXX. Since that time I have gotten threatening ltrs that say im delinquent and i have called them and they will not stop these threats. I cant loose my house. Why are they not honoring the forbearance? This is harassment!
Product: Credit reporting or other personal consumer reports

I sent a dispute about my XXXX account status that shows multiple late payments. XXXX XXXX  doesnt respond to me, I have a monthly automatic payment so the payment comes out every month from my account, and the credit bureaus just keep saying they verified its late and refuse to send me validation like they are supposed to according to law from the fair credit act. I want the late payments updated on my report since they have failed 3 times to show me validation and now have made it where I can NoT dispute it anymore.
Product: Debt collection

A few months ago, I disputed an attempt to collect {$220.00} on behalf of XXXX, made by XXXX XXXX XXXX ( XXXX # XXXX ) regarding an ALREADY PAID final bill from XXXX. I have receipts and credit statements to prove this, so I disputed this through XXXX XXXX, sent them my evidence and wasnt surprised to find it removed from my credit due to a successful dispute relatively quickly. However, I then received a letter on the XXXX of XX/XX/XXXX from Credence Resource Management, another debt collector, stating that they had picked up that same debt. The id # for this account is ( XXXX ) I believe this to be predatory collections tactics, on behalf of one or both collections companies. This debt was never existent as the final bill was paid IN STORE, in XXXX Minnesota late last year XXXX XXXX ). 

Id appreciate an investigation into this, and Im going to be filing a lawsuit against one or both of these companies as well because this is just a plain predatory attempt to circumvent my rights, over nonexistent debt. 

If you can contact me at : XXXX I can provide all the necessary documents, receipts and letters as I have to scan them into my computer and Im typing this on my phone.
Product: Credit reporting or other personal consumer reports

Last month I noticed XXXX XXXX XXXX has placed a account in collections on my credit report. I have never authorized a account to be opened or initiated with XXXX XXXX. XXXX XXXX has failed to verify the authenticity of this account. I also reported the inaccurate reporting to XXXX by mail and phone and website. They have failed to verify the inaccurate information or remove from my credit report.
Product: Credit reporting or other personal consumer reports

i would like these inquires to be remove from my credit report so my credit report can report accurately INQUIRES XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX AUTO ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Bank ) Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.
Product: Checking or savings account

I opened a checking account at Wells Fargo as a new customer on XX/XX/2019. I used a valid bonus offer code while applied the new checking account online and received the new account welcome letter along with Bonus Offer Disclosure and Additional Requirements. I met all the requirements that Bonus Offer Disclosure and Additional Requirements stated on 9XX/XX/2019 but I haven't received {$400.00} bonus as new customer opening a new checking account. 
I contacted their customer support and they replied to me that " I reviewed your credit for the promotion wasn't issued because the requirements of the campaign weren't met. This offer is intended for new checking customers only. You must have a valid bonus offer code.You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account, you are a Wells Fargo team member or if you have received a bonus for opening a Wells Fargo consumer checking account within the past 12months '' I asked them to check which requirements of the campaign weren't met : 1. I used a valid bonus offer code and received New account welcome letter along with bonus officer disclosure and requirements. 
2.I haven't received any bonus for opening a Wells Fargo consumer checking account within the past 12 months 3.I opened this account  on XX/XX/XXXX. I haven't any wells Fargo account opened at that time. 
XXXX. My employer sent my payroll of {$4000.00} using direct deposit to the checking account opened every month since XXXX. 

Since then, they never replied me back
Product: Vehicle loan or lease

I am filing a complaint against Volkswagen ( VW ) Credit Bank for not disclosing XXXX XXXX ( borrower ) did not qualify for the car loan and manipulating the documents to have my name as the main buyer for the car. This happened without my consent and without proper disclosure. The salesman at the VW XXXX XXXX, XXXX XXXX, California assured me XXXX XXXX ( the driver/user of the car ) who I was co-signing for qualified for this loan. However, XXXX XXXX is a fraudulent person and must have provided fake proof of job to dealership. She has violated the law by driving the car without insurance, not paying registration fees and parking tickets. She is currently suing a landowner ( see case number XXXX ) and she currently lives there while suing the owner without paying rent. She did this before and was terminated by the previous landowner ( see case number XXXX, XXXX ). 
I have requested termination loan options on XX/XX/XXXX to VW without a response. 
I have paid 3 months past due by XXXX XXXX and I have the car right now parked since it has not paid registration since XX/XX/XXXX. 
I demand VW to respond as soon as possible to my request. I have been defrauded and have been harmed financially and personally. 
VW credit approved a loan, they should assume responsibility legally, as complicit to the fraud to me. This is an intrinsic fraud. VW credit should also write down the loan since the car has a value of {$12000.00} less than the loan amount. VW credit should worked with me to get it resolved.
Product: Mortgage

I requested that PMI be removed from my account by calling Ally Bank. The agent looked at my account and said I qualified to request removal and I was instructed by Ally 's agent to email my request to XXXX. So I emailed on XX/XX/year> after the phone call to the email address provided requesting removal. I recieved a letter stating that to remove PMI I need to submitt payment for either an assessment or a BPO assessment in which I sent payment and my check cleared the bank on for the XXXX assessment on XXXX XXXX, XXXX. I have been asking for updates as I have not recieved any XXXX  assessment which I paid for nor my request for PMI removal. I pay an extra principle payment of $ XXXX a month to pay my house off early and have never missed a payment. My PMI is currently at 23.5 % in which I feel Ally is taking thier time as I continue to get charged PMI until it drops off as a requirement. Please help me escalate this process as its unfair that I did my part regarding the loan and the request. I keep getting the run around from Ally.
Product: Checking or savings account

Citi. Bank. Refuses. To. Deposit. My. Check. Into. My. Acount. A. Third. Party. Check. Which. The. Bank notified. Me. That. Citi. Bank. Accepts. Third. Party. Checking. Deposit. And. The. Also. Refuse. To. Credit. Me. The. Fees. They. Took. From. Me. The. Charged. Me. For. The. Returned. Third. Party. Check. They. Stated. They. Accept. To. Deposit. In. My. Acount. And. Giving. Me. An. Elderly. Consumer. Very. Hard. Time. And. Horasing. Me. And. Being. Rude. To. Me. Unacceptable. Rude. Behavior. By. The. Citi. Bank. To. Me
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XX/XX/2018 at XXXX XXXX  eastern time and spoke with two US representatives who did not budge on removing fraudulent inquires placed on my credit report. There were two glitches that occurred with Transunion as well, where it caused my inquiries to be removed and then placed back on. I'm extremely frustrated with this experience, because they were extremely unprofessional and this has caused my credit score to drop tremendously. XXXX and XXXX had no problem deleting every inquiry off my report with no issue what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute   XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXXDispute   XXXX XXXXDispute XXXX XXXXDispute ftc violations sent over 35 days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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

Im writing in reference to complaint number to XXXX submitted on XXXX XXXX TD Bank claims that I never received a promotion offer in the mail so that Im not eligible for this promotion of {$200.00}. This is true I never received a promotion in the mail but I did get the promotion online from TD Bank .in this online promotion there is no mention at all that this promotion had to be offered. I have attached the exact promotion and qualifications from TD Bank online offer. Please show me where it says that this Promotion had to be offered to be. 
I have met all the qualifications listed in the online offer and therefore request an immediate promotion of {$200.00}.
Product: Credit reporting or other personal consumer reports

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience.