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

Im submitting a follow up complaint to you today to inform you regarding my case of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which 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 -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Supposed cell phone account was created using partial information from my account. Police and I suspect that the debt collector is the actual fraud perpetrator. 
The account was created in XXXX XXXX XXXX I thought the issue was resolved but I recently received another notice from the same collection agency. 

I.C. Systems Inc. XXXX XXXX XXXXXXXX, MN There is no actual debt on my credit report nor do I own the phone or have the cell number that the notice referred to. " XXXX XXXX '' was the name of the phone company mentioned in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX  is reporting the date of last activity as XX/XX/XXXX. Experian is reporting XXXX is reporting XX/XX/XXXX. 

XXXX is reporting a balanced owed as {$890.00}, XXXX  is reporting {$890.00} and Experian is reporting {$820.00} XXXX is also reporting a past due balance of XXXX on my XXXX  report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, XXXX  is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also XXXX is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation. 


Under FCRA 15, U.S.C section 1681 and FDCPA 15. U.S.S section 1692 XXXX erroneously attributed debts to my report, and has failed to properly validate.
Product: Debt collection

I submitted a complaint about this under a different category, but this category is the proper category because they have already taken action against me in a debt that is not only time barred ( 20 years old ) but also I was never given proper notice of the debt and the court proceedings. The response i got back from the debt collector DID NOT address any of my issues or attempt to resolve them. It simply stated that they got a default judgement against me for a debt that again is from 20 years ago ( XX/XX/1999 original debt ) and that they tacked on interest and fees. So again here is what I would like to know is why have I never heard anything from this debt collector in 20 years? The first I hear of this debt is from my employer when they inform me of a garnishment. I have not once tried to hide from anyone I have filed my taxes, done change of addresses every time I moved, filed for credit, received credit etc. why now do they seek to obtain resolution 20 years later and garnish my check. They could have garnished my check from 3 previous employers while I was actually living in XXXX. Why wait till I have moved out of XXXX? 

Below is my original complaint I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 20 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 20 years. I have made several times over the 20 years but I constantly updated my address with the US Postal Service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable.. The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX XXXX. which is one of highest cost living areas in the united states if not the highest.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction was authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

Credit Control LLC doesn't have a license for the state of NJ to collect a debt which is illegal. Credit Control LLC violated federal law under the FDCPA the company needs my direct consent to contact me directly regarding an alleged debt 15usc 1692c ( a ). Credit Control LLC said I owed a debt which is a violation of 15usc 1692b ( 2 ) which they can not! Credit Control LLC is in violation 15usc1692a ( 4 ) a debt collector who's in the business in attempt to collect a debt. I am the creditor says 15usc 1692a ( 4 ).
Product: Credit reporting or other personal consumer reports

I submitted identity theft reports ( Ftc report # XXXX ) from the proper authority and proper documentation of invalid and inaccurate information on my credit reports as well as proof of my true identity to TransUnion, XXXX and XXXX by certified mail on XXXX XXXX XXXX with all 3 letters confirmed to be delivered between XX/XX/XXXX and XXXX. They ignored certain verified claims, removed and then reposted others. XXXX even denied receiving some of the documents despite the proof of delivery I have. I have attempted to contact and redispute and have never received a reason or proof of validation from any of them as to why I was denied. My reports don't contain the dispute statement either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Reporting Agency, is reporting an account balance and past due amount incorrectly on my credit profile. As a result, this is negatively impacting my credit profile,
Product: Student loan

I have a loan with XXXX XXXX. 

I paid off one of my loans in full on XX/XX/2018. The loan was " DIRECT UNSUB STAFFORD LOAN '' and had a balance of {$200.00} when I made this payment, and I directed exactly {$200.00} to be paid against this loan. Somehow, XXXX XXXX is still showing that I have a balance of {$1.00} on this loan, which is the amount of interest I paid on the loan on XX/XX/2018. 

I do not understand why the loan still has a balance. I paid it off in full on XX/XX/2018. Is this happening to other loan re-payers as well? Is the servicer artificially maintaining our loan balances as a way to exact additional funds from us? 

I would like an explanation of this, or a corrective action to be taken against the servicer. If I am repaying loans in full but STILL being charged interest, that is a major issue.
Product: Student loan

I have  Navient as my loan  servicer. I have repeatedly over the past few days attempted to make a payment online but the website kept citing an error and logging me out of my account.  <P/> I instead had to deal with the inconvenience of calling a representative during my workday and being on hold. The representative was friendly and helpful but I should be able to make the payments online.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/scrub>XXXX  My correct Social Security number:XXXX My correct address isXXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX My employer is : XXXXXXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under Gramm Leach Bliley ACT Consumer reporting agencies must comply with federal law under FCRA section 605B block information resulting of identity theft. FTC report attached including identifying information ACCOUNTS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

About XXXX XXXXXXXX XXXX  ago, I discovered that my daughter was stealing money from my account. I only added her while I was in the hospital so she could help pay my bills. However, she started stealing money from my accounts and I went to Wells Fargo and, with the assistance of a large XXXX XXXX XXXX there, we closed my accounts and credit card and debit card and she said she took my daughter off of all accounts and opened new accounts for me she said without my daughter being on them. However, I just learned on XX/XX/2025, that my daughter is still on my new accounts and she has been stealing from me again to the tune of over {$16000.00} which was automatically charged to my credit card associated with my checking account. I have never used my credit card. I never received any notices of my daughter 's charges on my phone and I learned from Wells Fargo that my daughter turned off all notices being automatically sent to my phone. I have talked to XXXX, the XXXX  XXXX at Wells Fargo in XXXX, Texas and he won't waive the credit card charges that were due to his employee 's error, who never did what she said she was doing. And that employee is no longer with Wells Fargo. I don't remember her name but the manager has acknowledged that she was there. I can show that my accounts were all closed and news ones opened and why would I have done that unless there was a problem with those accounts? The banker suggested to me that we close my old accounts and open new ones and that was the best way to get my daughter off my accounts. Now I have learned that the banker didn't do what she told me she was doing. Wells Fargo has offered me {$500.00} to settle their $ XXXX mistake. They need to waive the entire credit card bill, which were not my charges and only on my account because of their negligence.
Product: Credit reporting or other personal consumer reports

My mortgage with US Bank was paid in full when I sold my home. Several days later US Bank reported my mortgage payment as delinquent and 30 days past due. As a result my credit score took a XXXX point hit. When I enquired with US Bank as to why they falsely reported a delinquency on my credit they simply said " we are showing your account as current and closed. '' They have made no effort to rectify their error and when I filed a credit dispute they affirmed the account as " current and closed ''.
Product: Credit reporting or other personal consumer reports

I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the XXXX XXXX ( 15 U.S.C. 6801 ), and applicable trust law. 

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.
Product: Debt collection

2 attempts for validation of debt, all that was received is an itemized statement. This collection was placed with all three credit bureaus. I requested a copy of the original contract with my signature, dates, amounts to prove the debt belongs to me. I requested to know whether this agency is licensed to collect debt in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which Experian and XXXX weren't able to resolve..They provided an itemized printout of what they claim is my billing statement..An itemized printout does not represent verification.. CFPB please fix the account and remove the bankruptcy reported on the accounts XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within XXXX business days of receipt. XXXX XXXX  XXXX XXXX XXXX  violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Credit reporting or other personal consumer reports

multiple times I dispute fradulent accounts, but all 3 credit credit reporting agencys, keep saying information is correct, please help me to remove 12 fraudulent accounts from my credit report, XXXX and XXXX removed 6 fraudulent accounts, please also help me with XXXX XXXX and XXXX to remove remaining fraudulent accounts from my credit report, I'm attaching all fraudulent accounts witch one I print it and uploded. 


police report also uploded
Product: Debt collection

I am a senior citizen and my husband passed away 9 years ago I'm being harassed With English phone calls When I answer the phone it's a recording I attempt to call back and there's no answer If the debt was mine I do believe there's a statue of limitations but I do not believe that it's mine I suffer from a little memory loss
Product: Vehicle loan or lease

I was in an accident on XX/XX/2019. I decided to file 1st party and use my own insurance to handle the claim. My vehicle was deemed a total loss on XX/XX/2019. XXXX called my finance company on XX/XX/19and requested the payoff as well as a copy of the title and a letter of guarantee. They received a payoff good through XX/XX/2019,  and were advised the documents would take 3-5 days. On XX/XX/2019, Santander called XXXX to verify what documents were needed so they could send them. OnXX/XX/2019 XXXX followed up with Santander, as well as again on XX/XX/19, as they had yet to receive the documents. Without these documents, XXXX could not release the total loss payment. 
On XX/XX/19 I called Santander and was advised they had not heard from XXXX yet, at all. I called XXXX and we did a conference call with Santander. At this point we were transferred and then told the request for the title and the letter of guarantee was getting submitted right then, but it had not been before. They said wait 3-5 days. I called XXXX back on XX/XX/2019 and we did another conference call. We were told that the documents were getting sent that day. XXXX was finally able to issue the payment on XX/XX/2019. 
I checked this morning to see if Santander had processed my check yet. I contacted them via chat support and was advised that the check had not yet been received. I also noticed I was charged {$85.00} for an evaluation to be done on the XXXX XXXX XXXX while it was in the tow yard, but that was never discussed nor disclosed with me. I asked for it to me removed and was told that it wasn't an option. 
I called XXXX to get a copy of the total loss check and was advised that it is showing cashed in their system. 
This ENTIRE time I have been getting charged {$7.00} PER DAY in interest charges, I got charged {$16.00} for a late fee because there was a payment due XX/XX/19 that I didn't pay assuming they would not have delayed everything this long. 

I want the interest from the original payoff date of XX/XX/2019 to the date they received the check to be waived. That's 26 days at $ XXXXday for a total of {$200.00}. I also want my late fee of {$16.00} waived because if they had submitted the request initially they would have received and processed the check prior to XX/XX/19 when the late fee added. I also want the {$85.00} evaluation fee I was charged waived. There was absolutely ZERO communication that anyone from Santander would be looking at the car, let alone inspecting it. I am expecting {$300.00} back ON TOP of the remaining funds after payoff. I should not need to contact a company over 10 times to get them to do their job as outlined in our agreement.
Product: Mortgage

I was supposed to be shut off from the well on XX/XX/XXXX because the well is in violation of the laws and regulations. I can't get public water yet either they can't even accept our applications. You guys made me pay for water whether it is the well or the public water I can't have either one. In addition to this, why did I have to pay for the survey and XXXX XXXX for it not to be included in the documents filed with the county? 

Why did you decide to go through another foreclosure on me after I submitted a complaint to the savings and mortgage lending department? Was it because the loan originator was cited in the wrong for the 1 to 4 contracts he should have had a part in? BTW my loan should have been around {$210000.00} but then you should also take off the cost of whatever they were since I don't have any improvements. You instead used the first prequalification letter & earnest money contracts to just add costs to my loan.

You gave me 3 closing discloses, and 1 loan estimate, made me sign two Form 4506-T forms for a credit pull, and how am I going to sign a settlement statement for a house that says it's in XXXX, and then you guys switched to XXXX? Why do the Additional dates per state requirement say : XXXX on the XXXX statement for XX/XX/XXXX but not on the XXXX statement that is on XX/XX/XXXX? Also, there's no way I could sign page XXXX of XXXX on XXXX and on the XXXX page XXXX of XXXX printed on XXXX, that's ridiculous especially when in my closing recording they clearly mention that there was no escrow XXXX even present so what the XXXX? But you guys are smart and since the title company is in XXXX, TX I can't get any information from the XXXX location. I have never even been to the XXXX location. 

And why did I sign a new construction statement on XXXX for a house that was an REO/SPEC home that wasn't a XXXX home? Isn't an XXXX like a foreclosure HUD or bank-owned home? Which by the way you did this to all XXXX of our houses and then some and the appraisals homes are all owned by XXXX & XXXX mortgage and sold decades ago? XXXX
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AMEX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied credit in my name on XX/XX/2018 and XX/XX/2017 to Bank XXXX XXXX. 
I called Transunion and brought this to their attention but Transunion brushed it aside. I keep getting customer service in XXXX who do not know how the identity fraud works in XXXX. I tried talking to different customer services reps with the same results. 

Please help me delete these two inquiries that do not belong to me.