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

Hello my name is XXXX XXXX and I am a victim of identity theft. There is information on my consumer report that is a result of identity theft. My rights to privacy have been compromised instead of protected through the Fair Credit Reporting Act. I did not provide written permission or instructions to be reported on my consumer report. 15 US Code 1681 c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 18 US Code 1028A states that whoever knowingly transfers, possesses, or uses my information, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am requesting that the reporting of this information be BLOCKED AND DELETED. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

Account Number : XXXX Account Name : XXXX Date Opened : XX/XX/2021 Balance : {$470.00} I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/18 an inquiry was made on XXXX by a firm called XXXX XXXX and on XX/XX/18 on Equifax by a firm called XXXX XXXX . I have since found out this is the same company. I contacted XXXX  I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative XXXX XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX is, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has removed an account from my Credit Report It was a XXXX Account. Experian Removed the account Early XXXX and on XXXX XXXX Experian placed the account back on my credit file reported to me directly on the phone that XXXX  Requested the item be placed back on my report exactly that day. There is a reinsertion law that the credit bureau needs to abide by I never received a notice five days prior and if XXXX requested the update XX/XX/XXXX why did Experian plus the item back on my report the same day XXXX requested. Experian is also including the accounts utilization in my score. This account is a closed revolving account the balance should not be hurting my utilization as a CLOSED account. This entire system is not fair to the consumer if I as a consumer dispute an account I have to wait 30 days and 45s day now due to the pandemic but the credit furnisher can request an account be reinserted and that task was completed the same day without providing me any notice at all. They also again including the Utilization in my open revolving accounts while this account is closed. Please Enforce The Reinsertion Law at the Bare Minimum and make them remove the Permanently DELETE THIS unauthorized ACCOUNT
Product: Mortgage

On XX/XX/XXXX I started the process for a XXXX XXXX on my property. Beginning of XXXX XXXX we submitted the initial offer on the property for {$180000.00} and an interior XXXX was ordered by the servicer ( Selene Finance ) on behalf of the investor ( XXXX XXXX XXXX ). On XXXX XXXX we received a counter offer for {$260000.00} from XXXX XXXX ( negotiator ) assigned to the file. On XX/XX/17 we submitted a buyer counter offer for {$230000.00} with a net amount of {$210000.00}. On XXXX XXXX we received a counter offer from XXXX XXXX again with a net amount of {$220000.00} requesting a response by XX/XX/17. On XXXX XXXX we submitted a buyer 's counter for {$230000.00} and lower the realtor commission to XXXX % to make the deal work with total net amount of {$210000.00}. On XXXX XXXX we received a response from XXXX XXXX advising us that the offer was declined by the investor and the only option given was a XXXX XXXX XXXX. on XXXX XXXX we submitted a new buyer counter offer for {$240000.00} with a net amount of {$220000.00} and received a response on XX/XX/17 that the offer did not met the investor request of {$220000.00} net requested. On XX/XX/17 a new buyer offer for {$250000.00} with a net amount of {$220000.00} was submitted for investor 's review. on XX/XX/17 the investor requested to have an insurance claim completed on the property, the insurance claim was filed and completed. The insurance claim was submitted to investor on XX/XX/17. On XXXX XXXX the investor ordered a new interior XXXX  because the previous XXXX has expired and the new one was completed XX/XX/17.After the new XXXX came back, I received a response to let me know that now the investor wants {$100000.00} more for a total of {$320000.00} net based on the " AS REPAIRED value of the property ''. This is a clear malpractice and abuse that some of the mortgage investor 's are doing regardless of the financial situation of the mortgagee. This type of abuse must be stopped by our federal government and any investor doing such practice must penalized. The investor is abusing their position and taking advantage of the customer.
Product: Debt collection

Portfolio Recovery Associates.
Opened : XXXX XXXX, 2015 Original Creditor : XXXX XXXX XXXX XXXX Amount Owed : {$580.00} I 've had to block approximately 20 phone numbers due to their excessive phone calls at all hours of the day. I 've asked them on numerous occasions to stop calling me and then they call my mother and my job. This is harassment. At one point, I tried working on a payment plan with them but was told they could not send me proof of receipt. I then decided that I did not want to pay a " creditor '' whom would not provide me with proof of recipient that my balance was going down/ being paid off in installments.
Product: Debt collection

sent payments for account with the collection agency and demanded written proof of the account being cleared and paid along with written proof being reported to all 3 credit bureaus. conversed by phone and written letters and was promised documentation via phone XXXX/XXXX/15. since then 2 additional letters were sent and the last certified mail and demanded written confirmation within 7 business day after receipt. i have received nothing to date. copies of cancelled check available.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. This account was charged off on the following dates : XX/XX/year> and XX/XX/year>. Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payments history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you reinvestigate this account properly and see its violated my rights. I am demanding a deletion of the following XXXX and # XXXX.
Product: Money transfer, virtual currency, or money service

on XX/XX/2017 i filed a wellsfargo claim for unauthorized acounts i never received my settelment. the past XXXX years i have had atleast XXXX other disputes including identity theft. i have coverage XXXX years free at Wellsfargo through XXXX and i have my own coverage with experian. 
during the past XXXX  years i have not received any of the settelment money. someone using my name reported me to be from XXXX XXXX to get a way with there theft. i am American born and raised in XXXX Georgia. The person of intrest is an old neighbor who works for WellsFargo her name is XXXX XXXX. her and her Mother XXXX XXXX has stolen everything every dollar in my name that was credited by Wells fargo and they done the same thing with my cash app. When they do send a check its wrote out in us. Dollar instead of usd. i am seeking reinburstment from wellsfargo for the scam ran by there employee and to receive my identity theft insurance claim there scam involves violation of my privacy and postal fraud. 
they have a friend who is spying on my home through the cable service at XXXX. he now works for a service called id based in XXXX. XXXX lives in XXXX  and still works for wells fargo. all the checks sent to me from wells fargo dating back to XX/XX/2017 should be resent in full amount to me and me only. XXXX XXXX added my name to some class action registry i never authorized i want my name removed from the class action i want to be reinburst gor each check pain and suffering and identity theft insurance. 
XXXX XXXX XXXX and XXXX all have claims on my name that are fraud i am not under any contacts i am not an entertainer i am not married i have no dependants.I have never lived out side of georgia i live in XXXX georgia where i have live the past XXXX  years/
Product: Mortgage

In XX/XX/XXXX, Wells Fargo started the 6 years of horror for a Home Modification, which I fell victim to Wells Fargo Scam or Glitch? Lost my home of twenty years XX/XX/XXXX. Spent all my money on attorneys to desperately save my home. I did everything W. F. ask for in a quick and timely manner, it was a vicious circle. I always felt uneasy, scared, desperate, sleepless nights, weight loss, could not eat. W.F. was less than kind or sympathetic. Wells Fargo attorney actually called me a Liar and a Thief and stated it was the end of the road for me ( homeowner ) and the time in my home was over. Very Very unprofessional, heartless to say the least. Already filed a complaint about Wells Fargo. I want to be heard and not for gotten. Wells Fargo owes me and many others a home or the equivelent amount of money our homes were worth at the time W.F. foreclosed on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Debt collection

XXXX XXXX XXXX, fraudulent credit report for service claims at a XXXX, Florida address, in XX/XX/XXXX, for {$1000.00}. I filed a complaint on this same issue with CFPB on XX/XX/XXXX, and against the Recovery Company listed in your records. All for the same fraudulent charges. It was removed. I've still have never been to Florida and I don't know anyone there. 
XXXX XXXX XXXX is now attempted to collect through a different collection agency that has posted this fraudulent debt on my credit report again in XX/XX/XXXX. This has a negative effect on my report. I spoke to the supervisor at the ( new ) current collection agency, ( Re : XXXX XXXX XXXX ), She stated that they have had the collection account since XXXX. I wasn't aware of this until XXXX, because I didn't pull my credit report last year. I'm filing another complaint against XXXX XXXX XXXX, to remove this fraudulent account from their records permanently, and to stop sending it to different collectors using my personal information. I'm also, requesting a complaint against the ( new ) current collection agency. I hope this is made public for the simple fact that we all need to check our credit reports yearly. A report like this can effect major purchases, interest rates, and employment.
Product: Mortgage

XXXX XXXX sold my mortgage to XXXX. I have been paying {$50.00} to {$100.00} more on my mortgage every month for at least 3 years and maybe more than that yet it seemed as if the principal never went down. So then XXXX sold my loan to Loancare. I did n't even get one payment in and they raised my payment yet I know taxes did not go up because the value of my condo has gone down. It was one of the first payments of the year and they found a way to bilk me out of almost {$200.00} because they say there was n't enough money in escrow. Of course there is n't it was only XXXX so nothing had accrued as yet. I did not agree to make that amount of a payment when I bought this condo and if they can artibitrarily raise my payment then they can say well now you have to pay a XXXX a month more or a XXXX dollars a month more cause we say so. I know my mortgage does not provide for that.Do n't I have anything at all to say about who has my mortgage and can they just force me to do anything they say when that is not what I signed up for at all? I have never missed a payment and have paid extra almost every month.
Product: Credit card or prepaid card

I was charged a late payment on my credit card. Due to covid19, I was unable to pay the bill on time. I tried to call the company, and they always have over an hour wait time! I have always paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX XXXX XXXX  : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX -XXXXXXXX- XXXX1-XXXX -XXXX- XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

documents attached shows this account is reporting inconsistently across the credit reporting agencies the account type is wrong account status is inconsistent the date open has serval different dates it appears twice on my credit report as is its two different accounts last date active is very different on each agency.. and account violatates Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.
Product: Checking or savings account

I am writing to Navy Federal Credit Union regarding overdraft fees I have incurred. I was charged fees due to late postings of charges or credits although I have sufficient funds to cover it. My research has found that this issue aligns with the recent CFPB findings against Navy Federal for the same issue as I ; transactions being settled with insufficient balances despite sufficient funds originally being available. I believe this is unfair and request an investigation into my account transactions.
Product: Student loan

1 ) I am contesting that XXXX XXXX does not have my original loan documentation and that if XXXX XXXX can not provide these original documents, I am not bound to contract with XXXX XXXX. 
2 ) If my original loan contracts can be produced to me : my account is currently " on hold. '' I am currently waiting ( indefinitely at this point ) while XXXX XXXX processes my request to change my IBR plan to IDR plan. XXXX XXXX is not honoring the 10-day review and processing time-frame. This request began on XX/XX/2018 ( now two months ago ). This is unacceptable. I have had numerous delays in the past. I believe these delays are due to the lack of original loan documentation. Further, XXXX XXXX is not honoring their contract with me to provide me adequate measures for loan repayment. If my original loan documents can be produced by XXXX XXXX, then XXXX XXXX needs to provide me with responsible service and acceptable means for loan repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... Experian told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i should contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which XXXX is reporting account from XXXX and XXXX that Fraud and XXXX  is reporting XXXX, XXXX and that are fraud..attached also is my police report
Product: Credit reporting

As you can over look attached Doc. XXXX collection was reporting on my Credit Report reference to XXXX XXXX Account. 
it was reported by XXXX after disputing with Agency I submitted letter to transunion .. 
Transunion refuse to remove negative account from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : Account # XXXX has violated my rights.

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

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

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

I do not know who National Recovery is or why they are on my credit report. They have never sent me any written notification of a debt owed. They have also never sent me any verification of the accounts when I disputed them with National recovery! I do not know why they are on my credit report, but I know they are damaging my otherwise immaculate credit profile, for no reason at all, that I can see! Please help me, my husband and I are trying to move to a new home soon, and these showed up on my mortgage report, and that's how I found out that I do not qualify for a mortgage and what a National Recovery account was! The collection account that's over {$1000.00} is stopping me from fulfilling me and my husbands dreams, and I don't know why they are even reporting! They HAVE NEVER sent me anything, you would think for a debt over {$1000.00} they would send me something!!!!