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

I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my Transunion credit report. I wrote to Transunion one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet Transunion continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act.List of accounts below has viollated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. section 602A 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 instruction 1.XXXX/XXXX  XXXX  ACCOUNT # XXXX 2.XXXX  XXXX  ACCOUNT # XXXX 3.XXXX  XXXX ACCOUNT # XXXX 4.XXXX/XXXX  ACCOUNT # XXXX 5.XXXX  XXXX  ACCOUNT # XXXX 6.XXXX XXXX  XXXX  .ACCOUNT # XXXX 7XXXX XXXX XXXX ACCOUNT # XXXX 8.XXXX  XXXX  XXXX  ACCOUNT # XXXX 9.XXXX  ACCOUNT # XXXX 10.XXXX XXXX XXXXXXXX # XXXX ALSO # XXXX ALSO XXXX XXXX
Product: Payday loan, title loan, or personal loan

I obtained a loan from Omni Financial ( Military Loan ) for {$4700.00}, I could not meet my obligation due to loss of employment. When I contacted Omni Financial to work out a payment plan or alternative agreement, Omni Financial refused to work with me. The maximum interest rate that Omni Financial advertise is " from single digits to 35.95 % ''. The loan was established XX/XX/XXXX & the term was for 25 months. As of XX/XX/XXXX Omni financial is reporting a balance of {$13000.00}. The balance increases every month as well as updates to the three major credit bureaus as a charge-off with multiple errors ( date of last payment, loan start date, original balance, date of last activity ). Omni did not prominently display a full and accurate schedule of interest rates and other charges, in order for me to justify & understand a 185 % increase from the original balance.
Product: Debt collection

Company Name : Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Since approximately XXXX, this company has contacted me repeatedly through calls and as of XX/XX/XXXX court summons. Most typically, they have called 3-4 times per week ; often using phone numbers that were not associated with them in any manner so as to avoid identification. 

They bought a credit card debt from a retailer that was closed in XX/XX/XXXX and subsequently charged off my credit record by the retailer in XXXX. 

Since they bought this debt in XXXX, not only have they continued to call several times per week, as of today on XX/XX/XXXX they served me with a summons to appear in court regarding this disputed claim with no notice, written or otherwise they were pursuing legal action. 

They summons was written and filed on XX/XX/XXXX and I did not receive this delivered by a process server until today on XX/XX/XXXX ( over two months from which this was signed ). 

Additionally, as part of this pattern of harassment, they have continued every few months to place on my credit record this and another debt acquired by them as new debt, which continues to unnecessarily tarnish my credit record ; instead of this being posted as old debt ( which it is and which they agree from XXXX ). 

Thank you for your help in this matter! 
XXXX
Product: Debt collection

Repeat phone calls and text messages to family members. Workplace phone calls. I am a XXXX XXXX XXXX man and theyre calling my parents 2500 miles away. No regard for FCRA laws whatsoever. Just pathetic. I have asked them to cease and desist all calls and contact, yet they continue!
Product: Debt collection

XXXX XXXX XXXX account for XXXX is closed and marked as charged off. This account is written as charge off but in never received any XXXX cancellations of debt form. I also never received notification that this debt was owed before reporting. Because of this this is account is inaccurate and must be removed. Its is also a duplicate account on my credit that states paid never late with the same account number. This debt is not accurate and must be deleted.
Product: Mortgage

Shellpoint Mortgage placed hazard insurance on my property without my knowledge or consent. Shellpoint hired XXXX XXXX for this insurance. I already contacted both companies requesting cancellation of this insurance and they have both refused to comply. I am being deducted money from my monthly payments to go this insurance and I have no clear knowledge of the amount and dates.
Product: Prepaid card

I used my work payroll Visa card, to purchase an item online. The company failed to send the item. So I opened a dispute with my debit card bank. They investigated and said I can not get my refund until XX/XX/XXXX, when I opened the dispute on XX/XX/XXXX. It should not take SkyLight/NetSpend over 60 days to refund me my money. For the merchandise I did not receive. I need my refund back to use the funds for other things.
Product: Credit reporting or other personal consumer reports

Upon checking my report I notice that an account I do not recognize from SYNCHRONY BANK ( PayPal ) {$2500.00} Is reporting
Product: Mortgage

Trying to refinance with a 3rd party mortgage ( XXXX XXXX  ). Wells Fargo Home Equity ( WFHE ) has denied 3rd party mortgage payoff request 4 times claiming my home address does not match their records. XX/XX/XXXX initiated 3 way conference call with myself, 3 party mortgage, and WFHE. Account number, primary address, original loan amount, and current loan balance were verified by all parties. Wells Fargo Rep even provided 3rd party with an email address to send request for payoff. XX/XX/XXXX XXXX party mortgage called and informed me WFHE had once again denied request for payoff via email stating my home address does not match their records. 

XX/XX/XXXX made an in person visit to Wells Fargo branch to request a mortgage payoff. WF Banker placed a call to WFHE to get clarification. Banker informed me WFHE had no record of any request for a payoff from a 3rd party mortgage company. WFHE could only provide a verbal payoff but no official. Puzzled why not since we are in the 21st century. WFHE said I must call and request a payoff which will take 7-10 business days to process and mail via US Mail . Do not understand why such information could not be emailed to me? Banker asked why I using a 3rd party mortgage and not WF since I have been a customer since XXXX? I refused to answer as this was personal & private. Banker further stated I should use WF.

At this point it is very clear that I am being held financially hostage by Wells Fargo as they are unwilling to provide the payoff information requested. 

XX/XX/XXXX made a call to WFHE to request a payoff letter. The WF rep stated processing would take 7-10 business days but would not be valid for a mortgage payoff. 3rd party would need to request a payoff directly from WF. Tried to explained the problem has been WF and denied receiving any request from 3rd party. However, same rep confirmed notification in my records of a call with WFHE, myself and 3rd party on XXXX/XXXX/XXXX. I officially request a payoff from WFHE.

Clearly I am financially being held hostage as WF is denying receipt of payoff requests, plus giving me the runaround as to why my request would take 7-10 business day to process and mail. This sounds similar to the incidents years ago when WF Bankers opened accounts for customers who did not make requests. WF paid some major fines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this items to be INSPECTED and BLOCKED. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX  XXXXDate Opened : XX/XX/2010 Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/XXXX, I paid via XXXX a refundable deposit at a car dealership from my Chime account. Provided that I didnt get a car, my deposit was supposed to be returned. After days of not getting my deposit back from the dealership, I opened up a claim via XXXX. While waiting on XXXX to investigate, I also contacted Chime support to file a chargeback. Chime quickly responded with a form to fill out. Around that time, XXXX responded to me about my claim which they escalated. Because I didnt want to cause any confusion, I didnt fill out Chimes chargeback form because XXXX had already escalated my claim. Weeks later, I received a random email from Chime stating that they gave me a {$500.00} provisional credit while they would investigate. Although a nice gesture, it was confusing because I didnt fill out the required form to do the chargeback since XXXX ruled in my favor a day before Chime gave me the {$500.00} credit. This is where the issues start. XXXX issued a refund on XX/XX/XXXX. Chime provided a credit on XX/XX/XXXX. I saw my balance reflect a {$500.00} increase. The same day Chime provided the {$500.00} credit, they literally took the credit back the same day, decreasing my balance by {$500.00}. It was almost as if they gave me the credit for an hour, then snatched it back. Thats not really the issue since I knew XXXX initiated the refund on XX/XX/XXXX, so I knew I would be getting my {$500.00} back. Or so I thought. Days went by and my balance remained the same before the credit/would-be refund from XXXX. Alarmed, I reached out to Chimes support. One agent said that he saw XXXX initiate the refund on the XXXX and that it would be reflected by the XXXX of XXXX at the latest. That never happened. Ive reached out to Chime several times, each time, I got an agent that repeated the same script. No one really tried to assist me. Ive had two agents claim that they sent my issue to the dispute department yet no one has contacted me. Ive reached out several times to no avail, while checking my account to see if I received my refund. No! Basically, Chime never gave me the refund XXXX sent to my Chime account. Chime gave me a provisional credit for hours then snatched it back, before I could even use it. This is unfair to have them hold on to the {$500.00} that XXXX returned to me. I can understand taking their {$500.00} back if they knew I would be getting {$500.00} from XXXX. What I dont understand is how they took their credit back yet never posted my actual refund. Its almost as if my XXXX refund went to Chime ONLY. Chimes only job was to give my refund to ME. Instead, theyre holding on to my money, refusing to rectify this by simply paying me what is owed to me. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted XXXX disputes on XX/XX/22 then again in XX/XX/22 via certified mail which were both received and within that dispute packet I included my identity verification docs, a police report from XXXX XXXX Police department because there were some accounts on my credit that I had no knowledge of, as well as errors that needs to be removed IMMEDIATELY! 

All the accounts that were listed on my police report remained the same with Experian. The other XXXX bureaus found there were fraudulent and also fixed the errors. 

This is my third attempt to get Experian to thoroughly review my credit report and remedy the issues, or I'm going to have to pursue legal actions because they are not abiding the FCRA laws. 

I will continue to document my efforts until these fraudulent charges and errors are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( Please see page 10 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to late posting of charges and credits. This issue alligns with the CFPB findings against Navy Federal for sinilar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

This debt is being sold from one company to the next. I previously disputed this debt with another debt collection agency. After sending letters to them that this is not my debt they dropped from reporting this on my credit report. 

Now IC System , Inc. apparently has purchased this debt and will not respond to my debt validation letter. I sent a certified letter on XX/XX/2023 and have not heard anything back from them. I want this company to stop reporting on this debt which is negatively impacting my credit and business.
Product: Credit card

There were XXXX charges on my statement that l knew nothing about l tried to contact the company but there was no address or telephone number for the company I disputed the charges with the credit card company I was told by them that l received services from the company and my dispute was denied I contacted the card company and requested the address and telephone number of the company who verified that the purchase was made by me and they failed to provide me with the information and said that my dispute was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$9100.00} XXXX XXXX {$3900.00}
Product: Debt collection

The documents will detail that I attended the original creditor institution, the University XXXX Kentucky, and that I withdrew in XXXX of 2011. This led to me becoming delinquent within 90 days after that withdrawal ; no payments were ever made within that time frame towards the remaining tuition balance. The account was sold, and has ended up being listed under Alltran XXXX. The Open Date reflects the date Alltran purchased this debt and is in no way reflective of the date of first delinquency. The DOFD needs to be updated to reflect reality and the account in question should be dropped as it has illegally re-aged this debt. The debt was also paid in full to Enterprise Recovery Systems, but the name was changed when the company changed their name to Alltran XXXX and my credit reports do reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items on my report that are not mine. They keep telling me they verified it as mine but give me no proof. XXXX XXXX, LTD Acquisition, A Bankruptcy that I NEVER filed
Product: Money transfer, virtual currency, or money service

I requested to speak to a live agent on cashapp and there was no one or a live agent to speak to about a transaction and a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I already submitted a complaint to the XXXX Credit Bureaus regarding my concern. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus must comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, and stop reporting as unverified information without any proof provided, within the time allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.
Product: Vehicle loan or lease

2016 car loan through santander consumer usa under investigation for consumer fraud. Charging customers to much hoping they would default on their loans. 
I am part of the lawsuit because I fall under the terms of the fraudulent loans. 
State of Neveda
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Bureaus letters last XX/XX/2022 but I didn't receive any responses. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are reporting fraudulently to my credit file and the credit bureaus continue to give me the run around and won't remove these fraud accounts. I have been going back and forth for months with XXXX, Transunion, and XXXX about the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Which all are accounts that I have never had any associations with. I have reached out to each bureau about these fraud errors and they asked me to send in docs to verify myself and I did. I also filed a police report because I am a fraud/ Identity theft victim. I have sent the police report in along with ftc affidavits and proof of residence an identity to proof that None of those fraud accounts match me. I have called an been on the phone with each bureau for hours just to be told that they will be removed and then I get a notice that they are still reporting. Transunion and XXXX wont accept my fraud dispute and keep saying they feel I have filed fraud dispute by mistake and that they will let the creditors make the decision and the creditors have been no help to me. they won't give me proof of how they are verifying me. Something needs to be done immediately to remove these fraud accounts from my file. I have submitted everything to prove that I am an identity theft victim and the law should protect me and my rights. 

Police Report Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXXXXXX XXXX 3. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Company " Century Finance Co '' - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - initiated contact with me about a year and a half ago looking to reach a person named XXXX. I am not XXXX, nor do I know a XXXX. I have no business relationship with XXXX or Century Finance and they have called me every couple of months over the past XXXX  months, for a total of XXXX calls, every time looking for XXXX. On every call, I have told them to remove my number from the account, and not call me again, but they continue to call.