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

Both I and my spouse attempted to place a credit freeze with Experian. In both instances, we were denied to do this online. We had no issue with XXXX  or XXXX. 

The reason to do this as soon as possible is because I was contacted by a credit card issuer to confirm if I had requested a credit card from them which I did not. 

Thank you XXXX
Product: Mortgage

The first incident started on XX/XX/XXXX when {$840.00} was removed from my escrow account for the payment of homeowners insurance, however on XX/XX/XXXX {$930.00} was also removed for the payment of homeowners insurance. Obviously 2 payments were not necessary, it took approximately 1 month for Citimortgage to correct the problem and return the additional funds that were removed. All the while leaving my escrow account with less funds than it was supposed to have. The second incident occurred onXX/XX/XXXX and XX/XX/XXXX, when PMI in the amount of {$170.00} was erroneously removed from my escrow account. They had already removed the {$170.00} for PMI on XX/XX/XXXX which fulfilled the amount needed for the month of XXXX. I filed a " complaint '' regarding the extra funds being removed and have yet to have the money returned or given an explanation as to why after 13 years of having PMI, it was taken out more than once this month. I have grown tired of having " shortages '' in my escrow account due to the continued mishandling of my account. I urge you to look further into the errors being made by Citimortgage.
Product: Checking or savings account

I am a new member to the bank and unfortunately Ive already ran into some issues with unauthorized transactions. I do play in XXXX XXXX so it is of course on my phone. I suffer from XXXX and XXXX XXXX so I rarely ever leave my home ( Phone had no password and passwords saved in app ). However on XX/XX/year>, I made my way to a local XXXX  XXXX  with a couple friends and had a few drinks. It wasnt until I got home I realized I did not have either my phone or my wallet if that didnt make me feel XXXX  and XXXXXXXX XXXX XXXX XXXX already I tried calling the XXXX XXXX and they were already closed. I went ahead and called them the following morning and they unfortunately did not have anything turned into them. 

On XXXX  or XXXX  XXXX my kids saw someone put something in our mailbox and it was someone who dropped off both my phone and my wallet. It was once when I contacted the bank I realized debit and credit cards were missing. My phone was dead so I wasnt aware of any charges until I turned my phone on and saw requests from my credit cards asking if I authorized certain purchases ( I did not ). 

I immediately started contacting each bank and credit card and filed disputes for each of them for those few days which the majority of the charges were all done on 1 day but could not pinpoint as they were all pending charges. The bank said they would need XXXX business days to thoroughly investigate the dispute which is understandable. However XXXX XXXX XXXXXX/XX/XXXX being XXXX XXXX of the dispute I have already been denied and told that they are not unauthorized charges. 

I would like to know why it is My bank whom is supposed to protect my interest is denying a credible and hugely financial burden dispute of unauthorized charges when there is absolutely no way I can be responsible for those charges as I was not in possession of either my wallet or my phone when these charges occurred. My phone was more than likely used to deposit/transact with XXXX but I have never spent that kind of money or would ever risk losing everything after I just deposited checks and transfers a day or XXXX before and submitted payments to my mortgage and other debts. How in XXXX single day can both DraftKings and MY bank whom is supposed to protect me and fight for me throughly investigating my disputes of {$7400.00} in XXXX business day and tell me XXXX  can 100 % prove I myself made these transactions and therefore I should be subject to paying for theft? I hope we can figure something out because I was already XXXX XXXX XXXX XXXX  but to hear back from my bank on day XXXX to tell me they basically dont care about me but they choose to take the word or whatever from the company that accepted unauthorized theft charges? 


I hope they Completed & Closed this dispute by accident and have every intention on following through with the dispute to be sure they make sure those unaithkrized charges are returned to me.
Product: Credit card or prepaid card

On XX/XX/23 I made a purchase on XXXX with the credit provider affirm.com in the amount of {$3900.00}. My affirm loan id is ( loan ID : XXXX ). On XXXX I bought 2 mens  shirts, 2 purses, and 2 mens pairs of socks all amiri brand. 

On XXXX XXXX I recieved a package under XXXX XXXX name, XXXX XXXX XXXX that just contained 1 womans tank top. The package had the same tracking number that I was provided for all my items that I was supposed to recieve. The tracking number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX on XXXX XXXX and it took them 2 weeks to start an investigation to this day they still have no gave me any resolution. 

I contacted affirm on XXXX XXXX to report the problem and they told me once a package is delivered it is completely out of there hands and they can not dispute it even after all the evidence I sent them of what I recieved and what I ordered and my conversation with XXXX. I have contacted the local police in XXXX XXXX to get a report started and I will be going to my local police next so they can coordinate with XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$660.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally raise a concern regarding the inaccurate reporting of criminal records on my credit report and to address how this reporting may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified that criminal records have been included in the report. I would like to point out that under the FCRA, specifically Section XXXX XXXX XXXX XXXX criminal records should not be reported on consumer credit reports after XXXX years. Criminal history is not a factor that should be considered in determining creditworthiness, and such information is not meant to be included for an extended period of time, particularly when it exceeds the legally defined reporting window. 

The inclusion of criminal records past the legal reporting period or the improper reporting of such information goes against the FCRAs protections against reporting obsolete or irrelevant data. I ask that you immediately investigate the matter and ensure that any criminal records that do not comply with the FCRA guidelines are removed from my credit file. 

Please provide confirmation once the necessary corrections have been made, or if further action or documentation is required on my part to facilitate the resolution of this issue. 

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a letter to remove a fraudulent inquiry XX/XX/2021 likely due to the XXXX XXXX data breach and Equifax. I sent them the FTC report as well and they refuse the remove the inquiries. They are clearly reporting false information to creditors which is a violation of FCRA and also damaging my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

My credit report is showing 9 to 10 entries from Medical Data Systems Inc. for the same amount of {$280.00} and date of service. The only difference is they change the account number so it looks like a unique item when its not. If I contact the company directly the statue of limitation start date will be readjusted. This seems to be a new tactic to create multiple entries on ones credit so they are severely impacted by the medical debt. 

Their info is Medical Data Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has contributed to the appearance of unfamiliar and inaccurate accounts under my name. As a victim of identity theft, my information was fraudulently used, and I am now dealing with the consequences of accounts I were never associated with. Following Experian 's instructions, I promptly filed a report with the FTC and submitted all necessary documentation. Despite taking these steps, the fraudulent items remain on my report.
Product: Mortgage

I have an issue regarding a mortgage payment I am trying to get corrected. My wife and I have a mortgage that was opened XXXX XXXX and we began making payment to our loan servicer ( Lender Live ) on XXXX/XXXX/XXXX. As of XXXX XXXX our loan was sold to XXXX XXXX. I had made the payment for the XXXX/XXXX/XXXX due date through Lender Live on XXXX/XXXX/XXXX, however, when Lender Live sent my loan information to XXXX XXXX, they advised XXXX XXXX that I was still due for the XXXX/XXXX/XXXX due date instead of the due date of XXXX/XXXX/XXXX. At this point, I have spoken with Lender Live customer service a few times and unfortunately they have not been very helpful to resolve this. XXXX XXXX has provided me with copies of the documentation they received from Lender Live and it does show that the payment was still due for XXXX/XXXX/XXXX. At this point, I am needing Lender Live to get in touch with XXXX XXXX to provide them with the correct documentation showing that the first payment I was to make to them was XXXX/XXXX/XXXX or else have the XXXX/XXXX/XXXX payment sent back to me so that I can send it to XXXX XXXX myself and receive credit for it. I hope this makes sense and hopefully you can point me in the right direction to get this issue resolved. 

Thank You! 
XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft feesi have incurred. Despite having sufficient funds when transactions were im authorized. I was charged fees due to lagged posting bc of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair, and request an investigation into my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I filed a dispute with Equifax regarding the multiple bankruptcies with similar filing dates that they are reporting. They responded that XXXX verifies and validates the public record information that they are reporting. Around the same time I called XXXX and they were unable to locate a file matching my name, dob, and address. They also advised that they download data from the Pacer system that does not provide social security numbers, and dates of births. XXXX stated that Equifax is responsible for matching this data to date in their credit file to ensure the accounts are reported to the correct person. I have asked Equifax multiple times how they verified and validated that these bankruptcies belong to me without using my social security numbers. They responded that they verified this information with the US Bankruptcy Courts. Please see the attached letter from the US Bankruptcy Court showing that Equifax lied and did not actually validate or verify the information they are reporting. In fact they fraudulently reported inaccurate information knowing they never actually verified this data.
Product: Checking or savings account

I have been a victim of identity theft in the past I have tried to open a account with XXXX XXXX numerous times I get approved get my card then all of a sudden I can't access it and it's closed therefore leaving anything that has been deposited never returned and the fees that I have accrued when I never had access to my account for no more then a week
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report following a recent data breach. I am a victim of identity theft, and these accounts and inquiries were not initiated by me. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent entries be permanently removed from my credit report.

The following accounts are fraudulent 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: Payday loan, title loan, or personal loan

Today I contacted the loan company and asked why I was still being charged for this loan of {$2700.00} I was then informed of the outrageous interest rate of 503 %. Said there isn't anything they can do to help me. 

If I was to continue making payments on this small loan, I would pay out more than XXXX. 

I did NOT understand this and feel very deceived. I can't pay this back at the terms listed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2016 we had purchased a money order in the amount of {$1200.00} from PLS Check cashing service for our rent.On XX/XX/2016 we found out our landlord never received our money order and went to PLS only to find out the money order had been stolen from the mailbox. We made a police report and were advised to wait for the investigation that we would get our money back soon. Till this day I have yet to receive my money, I have made several phone calls to both PLS and XXXX XXXX  which is bank the checks are drawn from but everyone just gives me the run around and transfer me to manager after manager with no resolution. This is absolutely absurd! PLS tells us they have to wait for XXXX XXXX  to respond and give us the money, when we call XXXX XXXX  they tell us they are waiting to hear back from PLS. At this point I believe this was probably an inside job and the thief is being protected.
Product: Debt collection

DEBT RECOVERY SOLUTION/ XXXX XXXX LOANS REPORTING A NEGATIVE ENTREE ON MY CREDIT file. I NEVER HAD AN ACCOUNT WITH THIS COMPANY OR HAVE I EVER APPLIED FOR A LOAN WITH THEM. I have been a victim of identity theft in the past, and many accounts were established without my consent. I have filed a police report in the past about the identity theft.
Product: Money transfer, virtual currency, or money service

I have an Apple Credit card issued to me that I have no idea how or when I applied for this! It also now has my storage fee for my Apple account charged to this card. It all seems very unethical to me.
Product: Credit reporting or other personal consumer reports

Dispute TransUnion XX/XX/year>2025 XXXX XXXX Repossession Experian XX/XX/year>2025 XXXX XXXX Repossession Equaifax XX/XX/year>2025 XXXX  XXXX Repossession
Product: Credit reporting or other personal consumer reports

Unauthorized entries were not promptly blocked and deleted from my consumer report after being named in an ID Theft Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a XXXX rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several time to have negative information verified with proper signed documentation and all time they company has failed to proved the proper documents proving debt validity, in violation of the FCRA.
Product: Debt collection

Contacted me through email, address was " XXXX '' ( XXXXXXXXXXXX ) Documents attached state " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' Asked to send verification via usps, received letter from " XXXX XXXX XXXX '' return address checks out as a courthouse in CA. Letterhead states " professional litigation '' and " ... this law firm.. '' This firm also claims it had sent mail in the past. I have not recieved anything until recently. A " mimi-miranda '' or " attempt to collect '' was also not sent. 
As I feel more comfortable sending corresponsdence via certified mail, the courthouse address is not acceptable, especially when one is expected to send bank card info back via email ( XXXXXXXXXXXX ) or by fax.
Product: Debt collection

Received summons approximately XX/XX/XXXX XXXX XXXX regarding credit card debt collection via Cavalry Spv I , XXXX XXXX, represented by XXXX XXXX XXXX for {$1500.00} from XXXX. XXXX filed XX/XX/XXXX with XXXX XXXX XXXX. According to county case site, court date was XX/XX/XXXX. I am unsure why I missed court date, but I believe it is was due to time gap between notice and setting. I have never received any mailings from Cavalry Spv regarding collection notification. XX/XX/XXXX I received notice via my employer that my wages were being garnished. Contacted Cavalry and was instructed to contact XXXX XXXX XXXX. Spoke with representative at XXXX XXXX XXXX on XX/XX/XXXX to inquiry case since I have never received notice from them except summons from county two years prior in XXXX. Asked rep why I was not contacted regarding debt or potential wage garnishment and was told " all information has already been provided ''. Let rep know that I have not received any mailings from them nor Cavalry but was told again that " was not true ''. Was asked if I wanted to settle over the phone to stop garnishment and I declined and was going to seek legal counsel. Debt is now past statute of limitations. I was never provided with my rights to dispute, proof of debt validity, nor notification that wage garnishment process had begun
Product: Debt collection

I am a victim of identity theft. I was notified on XX/XX/XXXX that my credit report had a derogatory mark. Upon calling the apartment complex ( XXXX XXXX XXXX ) in Texas, I was notified to call the debt collector ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ). Upon calling them, I requested the dates, location, and how they were approved. I was told the dates were XX/XX/XXXX of XXXX through XX/XX/XXXX of XXXX and that it went to collections in XX/XX/XXXX of XXXX. This person was approved for the apartment based off of bank statements through XXXX XXXX XXXXXXXX. However, I do not have a XXXX XXXX XXXXXXXX account. I was then notified that they owe {$5000.00} for not paying the apartment address of XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Texas, XXXX. I have never lived in Texas, nor have I allowed or co-signed for anyone to live in Texas under my name. They used my social security number, however, they showed invalid bank statements with my name on them to be approved for the apartment. I have filed a police report and have already created a dispute with XXXX. The police report number is : XXXX. I can also provide dates of me living in California from my bank statements, rental agreement from the apartment I was living in, my drivers license, and my passport. I have attached proof of where I was living during these times in california, as well as the police report, and the CDR Correspondence of what the debt collectors are saying I owe.
Product: Credit reporting or other personal consumer reports

I applied for a credit card over the phone and was immediately turned down without explanation. I waited over a week to get a explanation. It was because Transunion reported that I have no credit score. I called Transunion and was told that I do have a credit score and they can see that I have two credit cards. Transunion told me I must pay them to see my credit score and sent it to credit card company so I can straighten out their error. I was told it was XXXX cents on Transunion website. I went to website and all I could find was {$24.00} for credit score and credit monitoring with auto deductions from your credit card. The option I was told about was not there. Why should I pay for their mistake??? They should fix this problem or give me proof that I have a credit score so I can provide it to the credit card company.