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

Pursuant to 18USC 8, i owes no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681 ( b ) 2. Company has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Student loan

Summary of complaint or question : Navient keeps bothering me telling me I owe them for student loans. I am on a program with  XXXX . This has been going on for months so to list dates and such would be hard. If someone could call me it would be better.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Debt collection

On XX/XX/year>, I requested proof of the Debt by mail with a certified return receipt. The letter was delivered per XXXX the receiver did not sign for the return receipt. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Product: Credit reporting or other personal consumer reports

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXXXXXX 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  XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Last year, I checked mycredit report when applying for leaseing a car in XXXX XXXXand found that I had several credits card under my name that I had never applied for. Because I am a full-time housewife, I have little economic contact with the outside world, so I have not noticed. Upon inquiry, my ex-husband used my SSN to handle these CARDS without my consent. I first tried to communicate with the bank and applied for a report from the police, but the bank thought that the credit card had used the debit card in my name to repay, so I knew and enjoyed the benefits of the card, so I need to be responsible for the debt generated by this credit card and affect my personal credit. 
Here, I want to emphasize above all, as the credit card bank said the checking account that use to make payments for the credit card is under my name. But I want figure out that is a joint account, so that does not prove that I am the one who take action to make payments and I was awared that I have this credit card. Because the bank 's transaction records can't show whose credit card was paid. Most importantly, I did not apply for these credit CARDS myself, nor did I ask others to help with the application, which was caused by the lax approval of the bank 's own credit CARDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had been currently filing for insurance quotes for a car I was trying to finance on XX/XX/2024. When I finished putting all my information in ( Name, DOB, Social security # ), I had noticed there had already been other vehicles registered under my name to add insurance to. I did not own any other vehicles at the time, and later found out that names were also registered for whatever insurance I was applying for. I even tried this with several other insurance companies, and recieved the same results. The names listed were that of previous family members, whom I had recent falling outs in the past year. I did not consent to them registering vehicles under my name, nor was it to my knowledge. Everything at the dealership went fine otherwise, but I can only assume they've been using my social security # for credit reports and/or insurance quotes.
Product: Debt collection

The original creditor is XXXX and the collector is Cavalry portfolio services. 

This account has been closed in collection since XXXX. I just recently checked XXXX XXXX  and it says it has been reopened XXXX XXXX. I never authorized my account to be reopened, never got a validation letter nor a notice of my account being reopened.
Product: Credit reporting or other personal consumer reports

I requested an investigation into items that I believed to be inaccurate and falsely reporting in a letter to you dated XX/XX/2024. As of this moment, the sole correspondence I have obtained from you is a computer-generated letter informing me that the investigation into my credit reports has been terminated on the grounds that you suspect I have engaged the services of a third-party credit restoration agency XXXX This is not only a delay tactic to obtain an extension of 30 days to comply with my initial request, but it is also a flagrant violation of the FCRA, in my opinion.
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL HAS NOT PROVIDED PROOF OF ME CONSENTING TO BE AN AUTHORIZED USER ON ACCOUNT XXXX. Navy Federal XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2024 Dear NAVY FEDERAL CREDIT UNION XXXX I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card account [ XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on this account. 

Until such proof is provided, I insist that you immediately remove me as an authorized user from the account and cease any further reporting of this information to the credit bureaus. Failure to comply with this request may result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo Bank I did not add overdraft protection to my account when it was started. Wells Fargo had to open a new account after mine had been frauds. The new account was to exactly the same as the original that had been opened. The Bankers over the XXXX XXXX had handles the new account opening after my old account was frauds. The representative added overdraft protection without my knowledge. This resulted in Wells Fargo charging me overdraft protection fees when Wells Fargo tranfured {$9.00} from my savings to checking to cover XXXX. They then charged me an overdraft protection fee of {$12.00} causing my checking to go Negitive {$12.00} in witch there was no more money in my savings to cover. Then Wells Fargo would have charged me another {$35.00} for totaling {$47.00} in fees all of witch would have been negitive in my account had I not of fraught for two hours and been hung up on twice to have removed. They refused to take me seriously until I mentioned the CFPB and that I already knew all the Fraud that had been taken place with Wells Fargo. The even told me I had no right to record my conversation with them even though the law states if they are recording me they then can not expect any right right to privacy because they are already swear they are being recorded. This Bank should be closed and sold off! No more to big to fail!
Product: Credit card

We purchased an item for curbside pick up from Lowes. We waited almost an hour and when they came out we refused the item due to the missing parts. We were told we would be refunded. You can see from the bill they did not refund the entire amount even though we did not receive anything and wasted time and gas. I have also have paid interest on the amount as well
Product: Credit reporting or other personal consumer reports

i have no supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character )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: Mortgage

I negotiated a refinance loan with Chase mortgage and after getting the figures I was asked for a Good Faith Deposit. A couple days later they changed the terms from 100 % financincing to 95 % .i disputed the charge and they wont give me an answer.the agent told me on phone that i misrepresented value of home which I did not.i never gave them a figure.since they record the calls I asked for proof but they refused. I am a victim of classic bait and switch and I need your help.the amount is XXXX dollars. Y understanding is if any part of a contract is changed both parties must agree.
Product: Debt collection

PARAMOUNT RECOVERY SYS

Contact
XXXX XXXX XXXX XXXX, TXXXXX
(XXXX) XXXX-XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting

all XXXX credit bureaus reporting wrong XXXX have banks that accts were paid in full by insurance over XXXX yrs ago and XXXX yrs ago they charged off accts which is fraud and the other credit bureau has a bank in Virginia I never appled for and or had! all XXXX credit bureaus Equifax, XXXX and XXXX have errors as it has XXXX acct that is in error
Product: Credit card or prepaid card

Elain Financial Services pursuant to section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act Elain Financial Services has violated the FCRA requirements by not putting the required notice of dispute on my credit report will this account is being disputed as required. Under section 623 ( a ) ( 3 ) Elain Financial Services is required to notify the credit reporting agencies that this account is being disputed when I dispute this account. This is a very serious violation of the FCRA requirements by Elain Financial Services. I have disputed the late payment for XXXX multiple times over the past serval months with Elain Financial Services and the credit bureau and the required notice of dispute has never been placed or reported in the comments section of this dispute account. I am once again providing multiple copies of resent credit reports that clearly dont show the required notice of dispute in the comments section of any report. I am also attaching a copy of section 623 ( a ) ( 3 ) of the FCRA for Elain Financial Services review. I have previously disputed the violations of no notice of dispute with Elain Financial Services in XXXX of XXXX  with no response. Elain Financial Services will give the generic response that they can review or see the proof documentation attached. How can Elain Financial Services verify any dispute if that cant review or see supporting proof documentation.
Product: Credit reporting or other personal consumer reports

these inquiries appeared on my report on theses dates that i know nothing about. 
XXXXXXXX XXXX XXXXXXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

The company was charging me to pay a bill from the Hospital that was already payed. 

The accident was a car accident. The hospital charged a little bit more than XXXX USD, but after insurance, was charged XXXX USD
Product: Credit card

In XXXX, I closed my credit card account ending in XXXX with Capitol One. I closed the account due an up coming job loss at the end of XXXX. With that knowledge I consolidated my credit cards with XXXX in XXXX XXXX. The contract was completed in XXXX with XXXX balance to Capitol one. 
Recently Ive been going thru my credit report and found XXXX 30 day XXXX XXXX, XXXX XXXX and XXXX 60 day ( XXXX ) late infraction account XXXX in XXXX. These are incorrect and have disputed and contacted Capitol One to no avail.
Product: Debt collection

XX/XX/2021, XXXX XXXX XXXX sent me a verification letter after I complained about them trying to collect a debt that is not mines on the Consumer Financial Protection Bureau website. Even my name and address are inaccurate on the letter. Please check the attached files. I have not given XXXX XXXX written concent to collect a debt. I have not sign a document to pay XXXX XXXX XXXX. XXXX XXXX XXXX XXXX to provide proof of written concent that I agree to paying XXXX information services. I have not given XXXX XXXX XXXX my social sercurity number. I am providing my birth certificate to show my full name. I am providing my utility bill for proof of address. XXXX XXXX XXXX has violated several laws listed by the XXXX XXXX XXXX. The Fair Debt Collections Practices Act, LAWS have been broken by XXXX XXXX XXXX. 15 USC 1692 subsection 804, subsection 805, subsection 806, subsection 807, subsection 808, subsection 809 and subsection 812.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX and XXXX XXXX Bank # XXXX, has violated my rights. 

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.
Product: Debt collection

This company apparently forged signatures on the documents they have. They have no contract with me to pursue any kind of debt. In direct violation of the FDCPA USC 15 1692 ( g ), this company has not provided verified documentation. No documents notarized. They dont even have standing to pursue litigation in this matter. Per the Federal Trade Commission, reporting must be accurate. They are reporting this alleged account as an open account that would have been closed if its in collections. This is in direct contradiction to 15 USC 1681s-2, which clearly states - 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. 

This company is liable for damages.
Product: Credit card

My credit union, XXXX XXXX XXXX, notified me of a late payment on my credit report. I knew I was not late on anything, so I looked into it. It turns out, someone took out a fraudulent Capital One card with a {$9500.00} limit, with a late payment reported in XX/XX/year>. They then maxed out the card that is in my name, leaving my with a balance of {$10000.00}. I have nothing to do with this card or its fraudulent activity and would like this resolved as soon as possible. Attachments include the credit union report of the situation showing the fraudulent balance, an XXXX, California " previous address '' of which I have no association. There is also a screenshot of my capital one account, showing no record or association of me with this card through the card 's issuer.
Product: Bank account or service

I have a bank account with TCF bank in XXXX. When trying to use may attached visa card it is declined because they think my purchase has high fraud activity. I was trying to make reservation for a hotel and then trying to by video games from XXXX different days. I have PLENTY of money in the account
Product: Mortgage

Shellpoint Mortgage Servicing obtained my recent mortgage from XXXX XXXX XXXX. I recieved money from a previous house sale and transferred {$870000.00} to the XXXX account of Shellpoint as instructed by Shellpoint. Shellpoint then applied {$87000.00} to reduce the principle of my loan and confiscated the remaining {$780000.00} for their own account. We have spent 10 days e-mailing and calling to ask them to return the funds that were taken from us and apply it to our loan principle. Shellpoint has refused to acknowledge that they are holding the missing {$870000.00} despite XXXX confirming receipt of the full amount for Shellpoint account. Shellpoint has provided five different deadlines in which they committed to resolve the problem and have not met any of their commitments. Shellpoint refuses to respond to any e-mail and refuses to provide the individual name and contact number of any official in their company who can resolve the problem. At present the {$780000.00} has been stolen from us by Shellpoint and we have no power to resolve the problem. They could conceivably never admit to having our funds and if we try to force their hand they are holding our mortgage and can deny our home ownership. Potentially I will need to pay this entire amount to them a second time. Can CFPB help in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the originator of the item below. It should not be on my credit report. 


COLLECTION XXXX XXXX XXXX {$1000.00} not mine
Product: Debt collection

In XX/XX/XXXX, Trident Asset management removed this same debt from my XXXX credit report. I contacted the company for debt verification in XX/XX/XXXX and received nothing. The collection is placed back on my XXXX report. Upon further investigation this company 's license # XXXX is expired XX/XX/XXXX and not licensed to collect in the state of TN. I want this debit removed, as it was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX