23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since 2013 I 've been receiving letters and calls from collection companies and XXXX Phone company, someone else under the name of XXXX XXXX used my identity to get different services including XXXX, XXXX did not verified my identity and allowed him with equipment and services using my name. 
On 2013 I discovered with my husband that we both were victims of Identity Theft, and we started submitting the information to the Police Department and followed with Credit Bureaus. 
The last company from which I received letter wasCredence Resource Management, LLCXXXX XXXX XXXX XXXX XXXX, TX XXXXit was on XXXX XXXX, XXXX called this collection company and reported them about the issue, XXXX has been selling my supposed debt through different companies, and after almost 3 years I 'm still dealing with bad credit report, letters and calls. 
I will submit a copy of the Police Report and the last letter that I received.
Product: Credit card

PNC BANK, N. AXXXX XXXX XXXX, XXXX ) Lates : XXXX : XXXX, XXXX, ; XXXX : XXXX, XXXX, XXXX, XXXX. 
It was agreed that these late dates were incorrect and that they were to be removed and the account was to be closed.
Product: Checking or savings account

I was a victim of fraud with a check being cashed by someone other than the recipient. I mailed out a bill pay check through TD Bank which is a typed check mailed out directly from the bank to the recipient. This was a check made out to XXXX XXXX as it was an alimony check. It was cashed by someone whom was not XXXX XXXX and the actual signature on the back of the check is not even signed as XXXX XXXX. This check was cashed by TD Bank and fees pulled out of my account which also caused my account to go into arears thus I incurred added fees. Once I noticed this online I called the bank and was basically told tough luck you need to go to a local branch. Being I live most of the time in the XXXX XXXX XXXX said I can not do this since there is no branch here in which I was more or less told tough luck. Upon returning to the USA I went to my local branch and filed an affidavit of fraud with the bank. Since then I have called numerous times and been to my local branch with the very nice people that work there trying to get answers. I have been given a different story every time I call on the phone depending on whom I talk to from its going to be in my account to it could take up to 6 months for us to make a decision. I do not see what there is to investigate considering its more than obvious the check was cashed and signed by a different person with a different name. I have since filed a police report on XX/XX/19 with the XXXX XXXX XXXX office. This morning TD Bank called to ask about a check I wrote off my new account which they seem to do with every check now to make sure its valid and I asked the gentleman about the status on my case and he responded saying it was closed as of yesterday and I had to call the other division in the Fraud department to get the particulars. I did that and basically was told the fraud department didnt have any info for me over the phone and I needed to go to a local branch. After being persistent and explaining I will be leaving again to go abroad and can not be told this I was connected and a young lady gave me a different answer than I was given in the morning. I feel at this point TD Bank has stolen my money and really does not care. I will be going back to the XXXX where I have a family this week and it will be for a few months and will not be able to play the go to the local branch game. Any help will be so much appreciated in this matter.
Product: Credit reporting or other personal consumer reports

Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Product: Credit reporting 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. 


Account Name : XXXX # XXXX Account Name : XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

Upon checking my annual credit report Ive noticed that they are accounts on my report that I have no knowledge about.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to a lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled due to insufficient funds despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Student loan

Since 2012 I have been disputing on loan collections with schools and credit reporting agencies and I have not receive no positive letters.
  XXXX    College was displine by Federal Government and Federal Loan Servicing has n't deleted the negative student collection on my credit report with  XXXX ,  XXXX  and  XXXX .
I can not persue my degree and attending a University if the collections are on my credit and credit files with Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX & XXXX of XXXX, XXXX XXXX XXXX  stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, XXXX shows account was paid as agreed, no negative information was placed on the two accounts that I had with XXXX XXXX, under my XXXX credit report so I am requesting this negative information be removed from Experian and XXXX as well due to inaccurate information being placed on my credit reports. Late payments being reported to Experian, but not with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not able to get an update on the closed dispute with the results. I called the XXXX service number on my error screen when logged into service. transunion.com I was escalated to a Supervisor who stated his name was " XXXX XXXX ' Fraud Division. I was denied access to upload a new dispute and he informed me that my dispute with XXXX was 'verified " I asked him who it was 'validated " since I had sent multiple letters to the XXXX Debt Collection reporting on my file to only get a 45 Day non-response from the alleged debt to XXXX. I asked who he spoke to or how it was verified If I have date stamps and receipt of Non-Response for validation of debt to XXXX. A few hours later after the phone call, I was able to log in file a dispute online, and upload supporting documents supporting my demand for the removal of the inaccurate reporting on my credit report. I have filed a complaint with the CA Attorney General 's office and they have reached out to XXXX. Letter from AG Office on file.
Product: Student loan

Mohela sent me a letter saying I would not be charged interest and no payments are due but they are still charging be interest and demanding payment.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX XXXX XXXX has added this to my report without validation of account. This account does not belong to me and is reporting on my credit report, this account belongs to XXXX XXXX, as they agreed to take payment for emergency assistance and should contact them for the payment of this account. 
Please see documents to validate my claim. This is a violation of the FCRA and should be removed immediately. 

Collection Agency : XXXX XXXX, XXXX Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXXXXXX  Original Amount Owed : {$9500.00} Amount : {$9300.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : RENTAL_OR_LEASING Last Payment Date Date of First Delinquency : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA These accounts are not showing maximum possible accuracy according to 15 USC 1681e ( b ), DEPT OF EDUCATIONXXXX XXXX {$29000.00} US DEPT OF EDXXXX XXXX {$24000.00} Delete Accounts Immediately for violation of 15 USC 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX XXXX account on my credit report showing a payment history of charged off the account was never late and paid in full I have proof from XXXX  XXXX but after several attempts the bureau continues to report negative payment history and incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that I don't recognize which is, XXXX CARD. I already tried to fix this problem and even started to lock my credit report so it didn't happen again.
Product: Mortgage

I have my mortgage with 21st mortgage. So far these people have not followed by any of their own contract rules or by the law from my understanding of it. My mortgage is do on the first like everyone else is. but from the XXXX till the day I pay it, my wife and I get calls asking why we have n't paid yet, threats to take us to court to collect the payment and this is all before the XXXX before it is even late. We have never been 30 days late. The one time they argue we where was a XXXX up in their processing system and we where told they fixed it and noted on our account that it was their fault, but every month we still here how we where late and it our fault and that there are no notes on our account. Now this month we spoke to them ( several times and now again on the XXXX ) and said we wont be able to pay till the XXXX due to my wife being hospitalized and having to pay for her meds. They told us they did n't care and that we need to call all our family and friends and borrow the money and get it to them now and that they refuse to approve of a late payment. And now today XXXX XXXX ) at XXXX we have already received another call asking us where the money is and why the payment has n't been made. Now im not a rocket scientist, but when you call the night before and ask for money after all the banks have closed ( around XXXX ) and then call again the next morning before they open, where am I suppose to get this money from in the middle of the night. These people act more like loan sharks or the mob more than they do a mortgage company. My wife and I have had to put up with this behavior for almost a year now and are looking into refi with any other company that we can get in with, even if the rate is higher, just to get away from this kind of behavior. These people will lie and cheat you and do n't care about you or your family. They have also asked me what days I get paid, how much my check is, am I an XXXX and how I should n't be, how I should use my beer and drug money to pay them. The bad part is I have XXXX XXXX and XXXX make it worse and I have n't drank in 10+ years. But these people have told us ( with no prof XXXX way or the other ) that they fully believe we spending or mortgage on drugs and alcohol. The amount of pure crazy slander that comes out their mouths, is staggering. These people are nasty and mean and will say whatever they want. They do n't care what legal they only care what gets them their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report from the major 3 credit bureaus to check the information within making sure that it was accurate according to USC title 15 ( 1681 ) 5. 

Ive waited over 30 days to receive the investigation results which everything was still reporting the exact information as the previous months. The credit reporting agencies XXXX, XXXX, and XXXX did not complete and modify or remove any of the items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from obtaining fundings to start a business and buy a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX balance is not correct nor is it up to date. I have been trying to pay my home off early and get out of having to do business with XXXX  because of their bad business practices. I have paid my mortgage for the following months XXXX, XXXX, XXXX, XXXX and an additional {$5000.00} towards principle however they are only reporting up until XXXX. So I am going directly to each credit bureau again with documentation showing the correct mortgage balance and months paid up. I will continue filing disputes until the mortgage data is corrected.
Product: Credit reporting or other personal consumer reports

I have received information from XXXX XXXX and XXXX XXXX reporting agencies that there's been a new hard inquiry made on my name with a new credit product offered by CAPITAL ONE ( on XX/XX/2024 ), although I didn't recognise neither the inquiry, nor the details provided with the inquiry ( the address and phone number, which were supposed to be associated with me, were wrong ) plus I haven't made any new inquiries for any credit products within recent months. 
I have called CAPITAL ONE and provided them all the information regarding my concern. They have registered my call and request, informed me that they are going to pull that application out of my profile and inform the credit agencies that the application had been fraudulent and wasn't made by me or on my behalf, so in the future it won't affect my credit score. 
And they also recommended me to file a complaint regarding that fraud attempt to FTC / CFPB, which I am doing here. 
The incorrect home address and phone number provided in the application are as follows : Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX I have never been associated neither with that address nor with the phone number.
Product: Debt collection

I called collection agency and explained to them I filed Bankruptcy. This debt was signed off by a judge on XXXX XXXX Can you please take this on my credit history etc I am having a hard time trying to apply for a rental and this is impacting my credit history and future renting. The employer assured me she would take it off my credit report. I called in XX/XX/XXXX, I waited 6 months and called again. I am so frustrated I cant even rent an apartment because of this. 
XXXX XXXX XXXX XXXX XXXX update XXXX, XXXX XXXX of a total {$4500.00} I am so stressed my kids and are going to be homeless!!
Product: Debt collection

National credit adjusters never sent me a dunning letter they just put this account on my credit report.I do not have a contract with national credit adjusters and they is reporting on my experian credit report. 
Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request that national credit adjusters prove that I am indeed the interested party who is contractually obligated to pay this debt. A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.The amount national credit adjusters claim that is owed and how you have come up with this amount.If you are unable to provide and show evidence of this claim then they will have to delete this account from my credit report as it is not valid.
Product: Bank account or service

PNC Bank is refusing to communicate with me or have a customer service supervisor return my phone calls in regards to their loss of my {$1000.00} wire transfer. I was told 3 days in a row that " someone would get back to me. '' Nobody has called, and my money is still missing. Nobody is investigating this. And they intend to charge insufficient fund fees when I have proof that I deposited the money into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XX/XX/2018 on my personal credit when I have a XXXX XXXX XXXX. I want to have this inquiry removed. From Bank of America
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies XXXX  that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

On XX/XX/year> a credit card application was applied for from XXXX XXXX bank in my name. On XX/XX/year> a Capital one bank credit card was applied for in my name. I did not apply for either of these credit cards. I contacted both XXXX XXXX and capital one to submit a fraud application.
Product: Debt collection

XXXX XXXX has now placed this debt that is not mine into a different debt collection company that is negatively impacting my credit score. I informed them multiple times that this is not my debt! I have been trying to get this sorted out since 2012 and XXXX XXXX fails to take action, claiming this debt that is n't mine and placing on my credit history. I do n't understand how this is even legal.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 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. 

XXXX XXXX XXXXXXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit card

I was notified by a court summons for a warrant in debt on XXXXXX/XX/XXXX regarding an alleged debt with XXXX. The paperwork I received says that Midland Credit Management has purchased my debt with XXXX and is litigating against me for the debt owed. I have reason to believe I do not owe this debt and that someone fraudulently opened this account without my knowledge because : I have never personally interacted with or opened an account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

The mailing address listed on the copy of the credit card statement is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived or even visited XXXX. I have no family or friends in XXXX. My permanent living and mailing address at the time of the statements provided to me by Midland Credit Management for this XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where I have permanently resided since XX/XX/XXXX. Prior to living in XXXX, XXXX my permanent address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, I have never lived in XXXX nor have I opened any credit card accounts with XXXX XXXX XXXX XXXX XXXX XXXX 

The credit limit is for {$300.00}. I am being sued or {$1300.00} with a court date of XX/XX/XXXX for a debt I was not aware of, nor responsible for. I was never notified by phone or mailing address of this debt as I was not the one who opened this account and they were not using my real contact information. This is fraud. When I called the phone number listed on the Midland Credit Management letter they were unable to provide me a copy of the original application for credit card with XXXX.