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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I received military orders for involuntary XXXX overseas that I will be leaving in 2 months. I called American Express and gave them all the information on my orders. I also asked them how to upload my official orders to show proof that I am leaving and to stop the annual fees since I will not be using them during my XXXX. They kept giving me the run around and I was never able to send my orders online, but they said from the information I provided them they should be able to take care of it. I receive a letter XX/XX/XXXX that was dated XX/XX/XXXX that I do not qualify for SCRA because my orders ended more than 180 days ago. I am looking at my orders and they do not start until XXXX XX/XX/XXXX - XXXX XX/XX/XXXX which I received on XXXX XX/XX/XXXX. They are looking at my old orders in the system and not my new ones. According to the SCRA I should not be charged the annual fees and a maximum 6 % annual interest. I attached by official orders here.
Product: Credit reporting or other personal consumer reports

Cardinal Financial Company was my mortgage company for 2 years, from XX/XX/XXXX to XX/XX/XXXX, during this time I was never late. Beginning in XXXX or XXXX my pay date changed to once a month so I had to adjust to making my payments day at the end of the month. I admit was a challenge but I managed to make my payments within the month it was due Cardinal never marked me late as long as it was made by the last day of the month, however to my surprise on XX/XX/XXXX, I went online to make my payment it reXXXX XXXX XXXXransferred on XX/XX/XXXX and I could not make my payment online but it was a note to call. so I did and my payment was accepted through auto-phone pay got a confirmation # and days later it was deducted from my bank account. .Now Cardinal is stating my payment was not received until the 5th and my payment was late.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt or credit management

I have no idea of these people Hunter Warfield calling. It always says spam and spam risk. They never leave a voicemail. I tried talking to someone but never got help. I wish they could possibly be more professional and leave a voicemail, an email, or something.
Product: Debt collection

This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt
Product: Checking or savings account

On XX/XX/23 I went inside the branch to request to transfer funds into my checking account without having to take tax. I told her more than once that I would pay for the tax at income tax. Her name is XXXX XXXX. She did not do as I requested.
Product: Credit card or prepaid card

Have advised CapitalOne that based on 15USC 1666i claims and defenses, I refused to pay for a XXXX charge that the travel agency said it was refunded, got threatening calls from CapitalOne including pressing criminal charges if I continue to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card that Ive had for over 11 years was suddenly closed without an explanation to me from the bank. I received an email from XXXX XXXX advising my bank of america card was closed and paid. I tried looking for the account on my mobile app and its no longer there. I also come to find, the account has been reported delinquent and had a balance of {$5.00}. This is the information that Im viewing from a credit report as Ive had no notification what so ever from the bank. I pay my bills on time each month and oddly this account had a balance that I was not aware of, I can not even look at the transactions as I have no access. 
I did not receive a call regarding a balance, a statement or email communication. This is very upsetting knowing the bank is taking extreme measures without notifying the consumer. My credit report has dropped XXXX points and would like an explanation and update to the credit report. If this account was delinquent for {$5.00}, why did I not get contacted? Why did I not receive a statement and why cant I view the account on my end?
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX my cousin payed me back for dinner by sending me the money to my Venmo account. 

Venmo said it was marked as a goods or service My cousin and I communicated to them that it wasn't a transaction for a service or good, but it was a transfer between friends and family. 

They said it didn't get flagged for anything suspicious, that it was just a random hold that could take up to 21 days to be released. 

They couldn't do anything for me, as a CS rep.
Product: Debt collection

I went to get a new car and seen so many collections on my account I didnt use I had to file a police report. My identity had been stole and I had to get a new drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX to get my hard inquiries removed because they were unauthorized inquiries by me XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A LATE PAYMENT ON MY XXXX XXXX ACCOUNT-XXXX IN  XX/XX/2019 THAT WAS NOT LATE. XXXX  HAS IT CORRECT BUT XXXX  AND TRANSUNION SHOW THE LATE PAYMENT AND ITS HURTING MY CREDIT SCORES.
Product: Mortgage

My first mortgage is with Ocwen servicing, I 've gotten behind in my payments. I 've requested a mortgage modification with Ocwen. I faxed the modification request and financials. 
I 've recently had XXXX surgery and was off from work. I want to keep my home. 
I 've submitted financials and a modification request. There is a property foreclosure set for XXXX XXXX please postpone the sale and modify my mortgage.
Product: Debt collection

I have a debt with XXXX XXXX. I had made a payment of XXXX, which they have refused to credit to my account. I provided a copy of my bank statement showing the payment and I provided them with the payment transaction number provided by the bank. I also have submitted disputes with the credit reporting agencies because the amount they are trying to collect from me is incorrect. They have refused to credit the payment I made. Now I have received a letter from Michael & Associates which claims that XXXX XXXX referred me account to them. They are trying to collect more money than I owe and are threatening me with legal action and judgment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate items from my credit report. These accounts that are listed on my credit report are in violation of my consumer rights because of the inaccuracy. I took the steps to report this Information to the Federal Trade Commission and I also filed an Affidavit pertaining to one of the accounts thats misleading. Please be advised that unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information pertains is accurate and correct, which by LAW is a requirement. Since I have yet to receive such documents from the original creditor please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Checking or savings account

On Monday XX/XX/2022 I received my federal tax refund of {$7300.00} I used my card in a couple of merchants and on Wednesday XX/XX/2022 there was a deduction from my account for {$5300.00} from a bank called XXXX. I do not have a bank with this entity nor have I ever banked with them. I reported the issue to chime and they couldnt give me any information about the charge. 

Exactly one day later they declined my claim and did not want to refund my money whoever initiated this transfer was not me as I dont bank with XXXX  this had to be sent to a account not under my name but chime did not want to help in giving me any information as to what to do in this situation they just had the name XXXX  in their system no name no account number nothing. 

Im asking you guys to please contact chime and make this right someone transferred {$5300.00} dollars from my account and chime did the bare minimum to recover my funds Ill be taking legal action if this is not fixed this is all the money I had and they didnt do anything to really investigate this problem they didnt get any information I already didnt have. You could totally see its fraud because I dont use XXXX I never have. They stated a IP address in Florida was used but that could easily be masked by a hacker. 

Im begging you guys to please fix this and re open my claim I need my money back its not right that they just denied it after one day and got no information about the charge.
Product: Checking or savings account

My PNC checking account ending in " XXXX '' was debited TWICE, once on XX/XX/XXXX and again on XX/XX/XXXX for {$1900.00}. The first auto transfer of XXXX IS NOT SCHEDULED and was linked to a old business account ending in " XXXX ''. PNC allowed our non-profit to link to personal accounts. Under the old " XXXX '', there was a $ XXXX monthly transfer scheduled to come out XX/XX/XXXX. That account was terminated by me and PNC informed me that all banking would cease including scheduled transfers. So I scheduled the {$1900.00} under ONLY my personal account for {$1900.00} to be withdrawn on the XXXX of each month. PNC did not remove/cancel the old transfer as I was told so there were two transfers, one illegal.. I contacted PNC customer service and left the conversation highly underwhelmed with NO RESOLUTION. I need answers for this not to happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX XXXX XXXX XXXX remove a hard inquiry from my XXXX   credit report. Please review the documentation that supports my claim that my credit being run by XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) was unauthorized. Ive attached a copy of the pre-approval letter from my credit union,  XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for XXXX XXXX XXXX XXXX ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) to run my credit due to having already secured financing through my own credit union. 

I am requesting that XXXX XXXX XXXX Property ( XXXX XXXX AKA XXXX XXXX XXXX XXXX ) remove the hard credit inquiry from my XXXX  credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.
Product: Credit reporting or other personal consumer reports

It has come to my attention that your company has placed multiple inquiries on my credit report without my permission.
Product: Student loan

I graduated XX/XX/XXXX with about XXXX in student loan debt. They were first serviced by XXXX XXXX and I was making intermittent payments at the time because my income just did n't allow me to make the over {$1000.00} a month payment. I went through several forebearances and deferements and then Navient became the servicer. Since then I have tried to get them consolidated or on a lower monthly payment but 2 1/2 years later, I still have payments that I ca n't make and now my debt has increased to over {$77000.00}. What little bit of payments I have been able to make have made no impact and I am still trying to get my loans on a reduced payment plan especially since I had been layed off on XX/XX/XXXX and just went back to work on XX/XX/XXXX. Each time I call Navient they say I was told the wrong steps or the paperwork is n't in the system for the consolidation or the lower payment plan. I never get the same person and I never get the same information. They keep me going in circles so I never know what I should be doing to get things going in the right direction.
Product: Credit card or prepaid card

Discover has been denying my payments due to an error on their end. 
My payments have been rejected by Discover since XX/XX/2023. I became aware of this issue in XX/XX/2023. Tried to fix by sending another check that was rejected once again by Discover in XX/XX/2023. 

Because Discover is rejecting my payments, they have put my account in delinquency, charged me with late fees, and lowered my credit score. 

I've had a similar issue with Discover a couple years ago, I did not receive any response until filing a complaint through CFPB. 



XX/XX/2023. I tried to find a resolution multiple times before submitting this complaint. Discover still claims to be unable to assist and has offered no resolutions. 
XXXX - Called discover, Agent could not help. Agent forwarded me to another department ( which was closed ) XXXX - Called back trying to resolve, agent forwarded me to supervisor XXXX - supervisor says to call the other bank ( XXXX  ). I ask her to hold as I call my other bank. Discover agent disconnects the call. 
XXXX - I confirmed with XXXX. No charges from Discover were attempted or made. recorded the conversation ( recorded ) XXXX - called back Discover. XXXX located in Delaware XXXX EST was unable to help. Said to call back tuesday.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that resulted due to Identity Theft. Please find the required documents to assist in the removing of the erroneous information which are being posted to my report. According to FCRA Section 605B ( a ), 3 Credit Bureaus shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please help remove this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. Here are the list of items which do not belong to me or were opened without my permission 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 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: Debt collection

Dear Midland Credit / MCM / Midland Funding LLC Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit card

On XXXX/XXXX/2015 I was contacted by XXXX XXXX at XXXX XXXX that my Target Credit Card ispast due. I informed her that I had n't been receiving statements from target since XXXX. At that time, I had a death in the family, and was n't really thinking about it. A couple of months go by and I never had the opportunity to address the issue. I was also never contact by anyone at Target during this time either. 

So I asked XXXX, if she could reprint the last few statements, so I could review them, and remit payment. She informed me that she could n't do that. She also told me that a statement was mailed on XXXX, which at the time of this writing I never received. I asked her if it were possible that I was signed up for electronic statements. She said no. I told her that I was n't comfortable making a payment until I saw a statement. 

I decide to call up Target to see if they could help. I asked the agent If I was on electronic statements, she said yes, I said where are they going, she said I would have to log on to get that information, I said I 'm not even sure I have a log-in id. I said is it possible to have the last couple of statements printed out ; she said she would have to transfer me. I waited close to XXXX minutes, and had to hang up. I called a second time a few hours later, and I was waiting another XXXX minutes to speak to someone, which I had to get off the phone. 

Until I receive my statements, I 'm not comfortable making a payment.
Product: Mortgage

Contacted Mr. Cooper ( rightpath ) 10 times as of today for explanation of balance she owes. Was granted Forbearance XX/XX/XXXX and again XX/XX/XXXX. Tried to gather payoff amount XX/XX/XXXX. Also, submitted in writing request to " XXXX '' No response and no one we spoke to including a manager could provide a breakdown for the balance now owed.

-Date of last payment balance owed {$40000.00}. 
-Breakdown of Payoff Balance {$58000.00} Including itemized breakdown of Principle Adjustments, Lender Paid Adjustments, NON interest balance. 

Attached are : Call contact notes with each rep. 
Payment History Letter of Complaint Copy of last written request sent Our payment breakdown notes.
Product: Checking or savings account

Navy Federal Credit Union used autopay, as scheduled, to pay mortgage. Bank then applied the mortgage payment to another account without notice or warning or authorization. Bank then returned the scheduled payment and informs me the mortgage not paid. Bank then asks me to pay mortgage payment - again- and I did. They can not confirm that payment is processing or will be processed. 2 mortgage payments in 2 weeks and bank can not justify why they are not applying money where it needs to be applied. Bank is now withholding all cash deposits and not applying them to my accounts- {$7000.00} in total to payoff auto loan and is not letting me payoff the loans orbdepoait cash. Bank has stolen funds without any notice. Bank is filing negative credit bureau reports, stealing my money, and not paying the autopayment bills to correct accounts as scheduled. Bank is not providing any written information, notice, justifications, or evidence of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies but I was told to dispute with the credit bureaus. Ive disputed with the credit bureaus several times but XXXX  is the only bureau that removed the inquiries. XXXX  and XXXX  have not removed those inquiries. I have not given my authorization for the inquiries and I do not recognize any of the companies. Ive asked for them to send me written proof of my signature of authorization and they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.