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

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XX/XX/XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from Experian and XXXX . They are all dated for the year of XX/XX/XXXX and XX/XX/XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX
Product: Mortgage

This is a new complaint. In the after math of successfully completing a mortgage modification from bank of america stemming from the XXXX 2014 settlement with the Department of Justice, boa voluntarily withdrew the suit filed against me. 
My mortgage statements show or state that I owe a total of {$370.00} in litigation and or litigation management fees. I sent my attorney the mortgage statements that showed this information. My attorney has contacted the law firm, listed on the former suit, a few times asking for proof that these fees can be charged to me and as of this writing no response has been given. 
All the information in the transaction activity of my mortgage statement is concerning to me. I see and understand the transactions concerning the modification but I do n't understand the following fees even though they show that they are paid ( I 'm guessing from the modification terms ) - they are : unapplied funds reversal XXXX ( which I assume went to pay for these successive itemized charges ) Attorney/Trustee fee XXXX '' '' XXXX '' '' XXXX '' '' XXXX separate entries for property inspections at {$15.00} each = XXXXTitle Fee XXXX '' '' XXXXCourt Filing Fee XXXXMailing Fee XXXXRecording Fee XXXXLitigation Management Fee XXXX '' '' XXXX '' '' XXXX '' '' XXXX '' '' XXXXProcess Server XXXXWaive/Adj LateChg XXXX '' '' XXXXUnapplied Funds Posted XXXXUnapplied Funds Reversal -XXXXPayment Posted XXXXI don '' t understand how my account can be charged for any monies/charges stemming from the suit boa filed. boa voluntarily withdrew the suit therefore the court did not state which party was liable for legal fees and for which fees or the total amount the party would be responsible for paying. My attorney and I can not find any wording in the modification that states these fees can be charged and or acceptable fees I have to pay. 
If the XXXX unapplied funds reversal went to pay for above stated paid fees from monies forgiven in the modification then I believe that money should either go toward the mortgage principle amount or returned to the settlement pool from which it came from. 
bank of america 's legal fees should not be paid by me or the mortgage modification forgiveness monies. If they believe they should be reimbursed for any legal fees they should have not withdrawn their suit or file a suit to decide who is responsible for those fees. 
This last bit is more for preemptive measures versus an additional complaint. I am reading many complaints from successful mortgage modification homeowners that two to six months into the permanent mort. mod that boa is claiming missing documents from these homeowners and voiding the mot. mods. I feel this is very worthy of applicable agencies investigation ( s ). I will certainly file various complaints if this does occur with my permanent modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

United Services Automobile Association ( USAA ) routinely reports information that should not be included in the XXXX XXXX XXXX XXXX ( XXXX ) report ( XXXX ) and the XXXX XXXX XXXX XXXX ( XXXX ) report ( XXXX ). Insurance is usually regulated by each state and I am a resident of the State of Texas where the statute specifically states : " Sec. 563.002. REPORTING TO CLAIMS DATABASE. An insurer or an insurer 's agent may not report to a claims database information regarding an inquiry by an insured regarding coverage provided under a personal automobile insurance policy or a residential property insurance policy unless and until the insured files a claim under the policy. '' I've requested copies of my reports from both companies and there are numerous entries where I made a routine inquiry about my policy, reported a non-damage incident ( not at fault ), and found a duplicate entry. I've contacted USAA to inquire about the report and request it be updated to reflect accurate information. Their representative did not know how to do that but did provide a detailed description of the entries I am disputing ( attached ).

I assert USAA is deliberately doing this to manage the different risk pools within their operating companies. Originally, USAA served military officers and the associated risk of that member population was relatively low. Over the years, USAA now allows membership based on military service and family relationships. Their risk level has risen to a level equal to other insurers. I have gotten several insurance quotes from other companies and they have consistently been above my current premium in the amount of {$1500.00} - {$2000.00} a year. This seems very high considering the number of actual claims I've had over the years. Other USAA members who are placed in a higher risk category and underwritten by a different operating company routinely report their premiums are being raised arbitrarily and they have gotten the same coverage elsewhere at a lower premium. 

My assertion is that USAA deliberately places ALL information on the claims reports in order to keep low-risk members ( who won't be able to find a better premium elsewhere ) and force high-risk members away ( USAA raises their rates, but they find lower premiums elsewhere ). 

I have detailed information for each claim I am disputing that I can provide.

Although this may not be a usual complaint regarding financial products, it is a " Consumer Report '' covered under the FCRA.
Product: Bank account or service

Santander Bank, XXXX XXXX XXXX and XXXX failed to do their do diligence, by not calling XXXX bank to properly route funds to XXXX account. This event happened on XXXX/XXXX/2016 at XXXX at the XXXX branch. Ask for a Manager, their was none present. Then had to go to XXXX to cash XXXX bank settlement check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was mishandled by the company XXXX Equifax XXXX, which potentially puts me at serious risk along with several millions of other people as part of the recent data breach. Since I can not trust Equifax to sensibly manage my information, I decided to place an initial fraud alert on my credit report using the services of XXXX, a different credit reporting bureau. 
Additionally, I was never personally notified ( by email, phone or otherwise ) by Equifax about the potential risk I was under with regards to my information being included in the data breach.
Product: Debt collection

Signed up for a good deal for domain hosting services. XXXX XXXX XXXX  XXXX, on XX/XX/XXXX Somehow got signed up for " XXXX XXXX XXXX " for {$10.00}, and was billed for it. Don't want it, never wanted it, canceled it. 

Got billed again {$10.00} XX/XX/XXXX And again XX/XX/XXXX. Canceled it. 

They tried to bill again XX/XX/XXXX and XX/XX/XXXX but these two did not go through as I stopped them for fraud. They sent this {$20.00} bill to a collection bureau, however the debt was {$140.00} by this time. I contacted XXXX  on XX/XX/XXXX, they said they could do nothing to help other than cancel the acct, I had no choice but to pay the collection agency {$20.00}. Also, I did not speak to the " right department ''. There are many, many " departments ''. Retention, Cancellation, Fraud, Sales .... and no matter which one I speak to, it's the wrong one, I need to be transferred. Of course, if I speak to the wrong one, It's on me for not speaking to the " right '' dept. 

This is the collection agent for the fraudsters : Central Credit Services LLC ( Radius ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I spoke to them today, they claim I owe over {$100.00} ( how?! ) and There's nothing they can do, it's up to XXXX to recall the debt - in other words, exactly what XXXX told me only in reverse, so I need to call XXXX  back, " the right department '' - and of course XXXX says to call the collection agent. Round and round. 

I don't owe anybody anything, and they owe me {$20.00} for the two times they billed me for a service I canceled, and did not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my XX/XX/XXXX payment on the last day of the month ( XX/XX/XXXX ) through the servicer 's website, which routes you to XXXX to process the transaction. The payment date that prefilled in that payment information screen was XX/XX/XXXX and the confirmation page again confirmed a " payment date '' of XX/XX/XXXX. However, the servicer credited the payment effective XX/XX/XXXX despite the confirmation provided through their vendor 's website and they are unwilling to honor it or correct it. They stated that regardless of the payment date confirmed through the speedpay transaction, there's a box that you click on which has a list if disclaimers about the cut off time to process your payments same day. No one is going to look through all these hidden disclaimers to find that information. Consumers are going to go off of the payment date that you are allowed to enter when processing the payment. All other creditors pre-fill that date to the following business day if the transaction is after the cutoff but not Carrington. This is a disconnect between the servicer and their vendor ( which they're still on the hook for ) and rather than fixing the issue and correcting it going forward, its easier for them to reject any liability for the error. Bottom line is that if the payment is being made after their cut off, the payment date made available to the customer should not reflect an incorrect date, it should automatically flip to the next business date so there's absolutely no confusion. This is unfair and deceptive business practices which is confusing to their customers, yet they fail to acknowledge that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX notified me that a dispute was processed on my credit account. 
I did not file a dispute and I can not get to a live person to correct this issue. 
I called 6 different numbers at XXXX and the automated answer machine does not understand and all i get is we can not process your request. 
There should be access to a live person for help. I can not get access to anyone who can help. 
I am sure the same information has been sent to the other credit bureaus and I need live contacts. Transunion, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX XXXXXXXX Date XXXX Balance : {$0.00} Late/Closed Late Dates XXXX, XXXX XXXX Date Opened:XXXX Balance : $ XXXX Late Date XX/XX/21
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card

I lost my wallet in early XX/XX/XXXX and didn't realize that my credit card was being used for purchases until XX/XX/XXXX. I contacted Discover 's credit card fraud department to dispute the charges, but they found no evidence of fraud. However, the charges were through a XXXX account not under my name or address, but they refused to investigate that XXXX and instead investigated my XXXX account and not the one doing the fraudulent purchases. I have undergone fraud investigations for these charges on three separate occasions, with my last in late XXXX XXXX, but have received the same response that no fraud was detected. I have also filed a police complaint with the XXXXXXXX XXXX XXXX, California, and Discover still said no fraud was found. They keep saying that since I made a credit card payment and purchase, it negates the fraud. However, I never knew my card was being used until I started to look at the account statements.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on Capitol One XXXX due to the account being inaccurate. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Balance : {$880.00} XXXX XXXX
Product: Credit card or prepaid card

I have had Capital one credit cards for maybe 15 years or more. I have always paid on time never been 30 days late and received at least ten credit cards since getting cards from capital one. I have had numerous increase with all other cards. Capital one hasnt given me an increase no matter how many times I have tried. Within that time and the last time I applied which was in XXXX my credit scores have been at least fair but when I have applied like in XXXX my score which they got was XXXX. The time before this time when I asked for and increase they said to make larger payments and apply again. I did that and they still didnt give me an increase. This time they said I wasnt making high enough payments and I had to many inquiries. I just refinanced and by mistake more then one mortgage companies inquired and capital one inquired also. I received a new credit card after they declined me so that wasnt a problem. Speaking of the other reason why they said they denied me. when they told me to make higher payments I did and when I applied both my credit cards from them had a XXXX balance for a month and still do. I think it was them retaliating because I filled a complaint on them. I know and they feel this agency cant affect them or their business the last time I filed a complaint the person they assigned to investigate had the wrong account and had the wrong information. She told me they didnt have to increase my credit line and thats it. I am sure they have to treat everyone fairly or that is discrimination. I know they cant show me the same circumstances and anyone being denied over these many years with the payment history an the scores I have had being denied. If this is something that I should be filling with the department of labor for discrimination please inform me of that option.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union has been reporting my account as charged off every month without any resolution or proper updating of the account. Despite the ongoing charge-off reports, Navy Federal continues to manipulate the date of last contact on my account, which appears to be an attempt to extend the reporting period unfairly. This manipulation misrepresents the true status of my account and is causing severe damage to my credit profile. 

Additionally, Navy Federal sold my debt to a third-party company, XXXX XXXX , without providing adequate notice or proper documentation regarding the sale. The sale of the debt has further confused the reporting process, as both Navy Federal and XXXX XXXX are now showing my account as charged off, creating conflicting and misleading information on my credit report. 

The actions of Navy Federal violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and up-to-date reporting of account information, and the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from deceptive and unfair practices by debt collectors, such as Credit Control.

The FCRA requires that creditors and debt collectors report accurate information and make sure that any data furnished to credit reporting agencies is complete and correct. Manipulating the date of last contact and continuing to report the account as charged off monthly is an inaccurate representation that violates the spirit of the FCRA. 

The FDCPA also protects consumers against false or misleading information by debt collectors. Since Navy Federal has sold the debt to XXXX XXXX, the two entities are reporting conflicting information, which could mislead creditors or potential employers reviewing my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was applied for in my name in 1990. Since then I have been unsuccessful with removing it. Ive even called the Debt Collector and explained to them what happened and they would not listen to me, instead they kept offering me a settlement.
Product: Credit reporting or other personal consumer reports

credit kama will not update my credit file since year XXXX
Product: Debt collection

I rent XXXX house XXXX my husband like 4 years ago and XXXX company send me to collection and my husband pay months ago and and still have the open account in collection i call the company of collection they telling me that is going to be removed call back in one month and is the same thing and i call yesterday and again now they tell mi the XXXX is going to call you back and nothing this is the receipt Capital Accounts XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Original Creditor : XXXX XXXX Homes Current Creditor : Capital Accounts LLC Account Number : XXXX Current Balance : {$0.00} Dear XXXX XXXX : RE : Receipt for Payment This notice is to confirm that the above referenced account was PAID IN FULL/SETTLED IN FULL on XXXX Sincerely,
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LOCKHART, MORRIS & MONT XXXX XX/XX/2022 {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021