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

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} 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, credit repair services, or other personal consumer reports

My wife and I had a mortgage with XXXX XXXX  of which I was in an approved forbearance program due to COVID and my complete loss of income. My accounts all shut down on XX/XX/XXXX and I had been in contact with XXXX immediately about my loss of income and signed into their deferment program of which it took several months to receive the paperwork from them. They informed me under the current law I was abIe to defer monthly, which i did from the the first month covid hit me. I was told to wait for their paperwork to fill out but needed to put in an application with them. I did so and was approved for forbearance with a first payment due on XX/XX/2020. I ended up selling my house and sold it XXXX under appraised value to move on from this nightmare and get them paid and save my credit. I satisfied them 100 % on XX/XX/2020. Ist payment of the new forbearance was XX/XX/XXXX. 
Today, XX/XX/XXXX, not on my credit but on my wife 's credit report it shows a 120 day delinquency from XXXX XXXX, posted on XX/XX/XXXX, which will now affect us on our current mortgage application and I will not be able to get the interest rates we deserve and worked so hard to retain. We went from a XXXX sq ft house to a XXXX room to save our credit and now we have this to deal with at almost XXXX, and not due to my own fault.
Product: Debt collection

I was sent this harassing collection letter today after I already made it clear to XXXX to Cease and Desist almost a year ago!!! I am not paying it and can not as I have been taken off work on a medical XXXX leave for the last 11 months which is UNPAID leave from my job at XXXX XXXX XXXX XXXX XXXX!! I have XXXX savings, XXXX assets and no income and have not had any income for almost a year!! I do not know when I will be returning to work or if I will be able to at all! I am XXXX yrs old and was taken off for XXXX XXXX XXXX with XXXX symptoms! I have attached another Cease and Desist letter for you to give them as they ignored the last so want all on file with your office!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my PII has been compromised.
Product: Debt collection

This has never been my account! I am unfamiliar with this account. I have never entered into a contract using this account. Because this account is not mine, I should not be held responsible for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or 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
Product: Debt collection

I wasnt aware of any debt or past due balance. I didnt receive any notices or phone calls
Product: Mortgage

I am furious, this is the third time now trying to get answers to this problem, wells fargo is now denying even having been invovled with our mortgage loan, they stole our house in 2011 i have all kinds of fraudulent paper work from them and they will not give us answers as to why they stole our house, we want someone to do the whats right.
Product: Credit card

I applied for a secured credit card from XXXX XXXX on XX/XX/2024. I submitted a " fund later fee '' of {$29.00}. I was not in the position to deposit the required {$200.00} on XX/XX/2024. 

On Saturday XX/XX/2024, I received a message from XXXX XXXX that my application was not approved. 

I called XXXX XXXX on Tuesday, XX/XX/XXXX, to request a refund of the {$29.00} " fund later fee '', I was told that this fee was the same as the application fee and it would not be refunded. 

I feel that the {$29.00} " fund later fee '' should be refunded, upon denial of the application I was not able to the card later.
Product: Credit card

I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.
Product: Student loan

I was in a repayment agreement with GC Services for XXXX. After my tax refund was offset I learned not all of my loans were included as I was led to believe. I have since consolidated through XXXX XXXX. GC Services/XXXX was notified on XXXX/XXXX/16. Also in XXXX, XXXX, on XXXX/XXXX/16 and XXXX/XXXX/16 GC Services/XXXX was specifically told not to call me at my place of employment. They are able to call my cell phone, which they do, although they do not leave a message, they only try to call and then call my employer immediately thereafter. My consolidation loan is complete, and they are no longer able to collect for that debt. They have been told 4 times I am not allowed to be called at work, and they continue to do so, despite the fact that it jeopardizes my employment - and therefore my ability to pay back any of my student loans.
Product: Bank account or service

I had XXXX different answers from two associates. I have XXXX response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they XXXX have a unanswered response response to my complaint and now I have attached their responses.
Product: Credit card or prepaid card

Once again capital continues to charge incorrect Interest charges but it clearly states on my contract that " interest charges accrue on every unpaid amount until it is paid in full. until it is paid in full ''. Which the amount was paid off before the due date and there was no purchase made for the interest to accrue.Capital continues to take money from their customers and when you call them, their agents are very nasty.Why use a company that can not even respect their customer. This is the quick silver account ending in XXXX paid off for XXXX.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees charged to my account with Navy Federal Credit Union. Despite having sufficient funds at the time transactions were authorized, I have been assessed overdraft fees due to delays in the posting of charges and credits to my account. 

This issue appears to align with recent findings by the CFPB, which identified similar practices by Navy Federal, where transactions settled with insufficient balances despite the presence of available funds at the time of authorization. 

I believe these practices are unfair and would appreciate a thorough investigation into my account transactions. I kindly request that any improperly assessed fees be refunded and that steps be taken to prevent similar occurrences in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently bought a vehicle, and I have received a couple of denial letters, from companies the dealer tried to use as loan options. I had a previous loan with XXXX, but received a denial letter for this particular vehicle. I found it strange, but as I looked into it further, I noticed my credit score was obtained from 3 different companies. XXXX, XXXX, and XXXX XXXX. I have only heard of two of the three companies, and two of the three companies have my credit score as XXXX or above, but XXXX does not. They have me at XXXX. I found this odd, and started researching a bit more into this company. This is where you come in. Many people have been filing complaints about this place and I feel it is only necessary I file one as well. I have not had any direct complication with this company, as I have never heard of them before. However, they are obviously affecting people like me in a negative way. I refuse to just sit by, and let unknown companies have any effect on something I have worked VERY hard at. Credit is not easy to obtain and maintain, and something like this shouldn't be taken lightly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

LVNV FUNDING LLC. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX LVNV Funding Llc. removed over $ XXXX dollars from my savings account for a debt my wife owed. A debt that could not be verified via credit report nor was it a debt that I signed for. I live in ohio, a non-community state so I am asking how I proceed with a lawsuit to recover my funds??
Product: Debt collection

There are actually a FEW problems with the debt collectors XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 1 ) They are misrepresenting themselves. XXXX has been reporting to the 3 major credit bureaus, but all of a sudden, around XX/XX/2018, I get a letter from a XXXX XXXX XXXX XXXX , XXXX ( XXXX ) The letter is misleading and appears as though XXXX  are the NEW holders of the debt ; however, XXXX continues to report on my reports months later! 2 ) Alongside the previous, they are essentially trying to collect the debt from two companies ( and I have proof of this ). They are two separate companies with two separate addresses, yet one is reporting to the bureaus ( with their own address, mind you ) and the other decides to randomly pop up with a letter and I'm sitting there like 'who is this? '. In fact, I never signed a contractual agreement with EITHER company. 3 ) I did not receive ANY verification of the debt 's validity after I disputed thru the bureaus and directly with them both. Lastly, 4 ) after disputing with both companies directly, I NEVER HEARD FROM EITHER COMPANY. They didn't respond to me and they did not provide verifiable proof of the account 's validity ; this is/was to be an original consumer contract bearing my signature. They violated the FCRA and FDCPA by dismissing my debt validation letters, as well as the disputes from the credit bureaus -- the bureaus also being complicit in this -- and CONTINUE to do so by still reporting this unverified, invalidated account. I wrote directly to both XXXX and XXXX and I clearly state in my letters, " If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX   } request shall be sent to me immediately. '' The letter was dated XX/XX/2018 ; it is now XX/XX/2018. Under the FCRA, they are required to delete the false account. I have attached copies of the letters to them, as well as a screenshot of their account on XXXX ( just in particular ) and a copy of the third letter to XXXX ( redacted ), showing what I sent them and the other bureaus -- and essentially how despite this, they continued to allow this unverified account to remain on my credit report. ( All the bureaus did, and I am outraged at this. )
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate this account. XXXX XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that if the last date of payment is wrong? The balance is incorrect. I never received the GAP insurance money back or credited to the account. The date of the last activity and much more are wrong. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C.1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of conviction of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also, they aren't even in compliance with Metro Two credit reporting . I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I discovered unauthorized credit inquiries made by the following companies : XXXX XX/XX/2023, XXXX XXXX XXXXXX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXXXXXX XXXX 
I did not authorize any individuals associated with these companies to access my credit report. This constitutes a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious infringement of my privacy rights. 

I request that you verify this information with the respective companies and provide me with copies of any documentation associated with these inquiries bearing my signature authorizing them. If no such documentation bearing my signature is found, I formally demand that these fraudulent inquiries be promptly removed from the credit file linked to my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the Bank of America on this issue stating I did not make and authorize the inquiries listed on my credit report. I received correspondence saying they are not deleting the inquiring. this company does not have a permissible purpose and they are violating my rights and the law! please see attached letter
Product: Mortgage

Select Portafolio service illegally obtain a corporate asaiment froom XXXX XXXX, XXXX not have the chain of asaiments for that reason I request a teral federal investigation against all. ( 1 ) Select Portafolio service ( 2 ) XXXX ( 3 ) XXXX ( 4 ) XXXX ( 5 ) XXXX XXXX XXXX the chain of asaiments is not complete and the original promesory mortgage note is loss or destroy du to loan been sold on XXXX XXXX .i sendsend letters to senator XXXX XXXX , XXXX XXXX , XXXX at XXXX and the president of united States Barack Obama whit code flag hardship, and alleged owner of the mortgage hire a Law By The name XXXX aka XXXX they ply guilty on felony of mortgage fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am having this credit monitoring issues from XXXX. i have been already filed some complaints on trans union, XXXX and other credit bureau companies , because of these companies am paying my car interest APR is 18 % and my car insurance XXXX , where every one used to pay XXXX . i have asked many of customer care persons of that particular companies but no use. those companies holding grudge and taking very personally and making me to face very hard time, because of these companies i am not getting any credit card and good credit score. new persons just came united states are able to apply credit loans and i am staying here from XXXX i can not even apply just one single credit card in USA this is weird .i have some issue with XXXX XXXX XXXX in XXXX still am having problem and facing very hard time with family because of these credit bureau companies. trans union person told even i can complain to Trump but no use it seems. that means they are holding government or what, i don't understand. i thought people can stay safe in America but because of these problems people are failing in their life.
Product: Checking or savings account

In XXXX  XXXX, XXXXXXXX  I attempted to close out a checking account with Nevada State Bank the the physical branch of their sister Bank California Bank & Trust. The California Bank & Trust teller called the Nevada State Bank branch and facilitated this. I was lead to believe the Nevada State Bank account was closed. I XXXX  out the Nevada State Bank accoutnt. However I was not told that a credit line for the checking account was still open and is still open today. That amount has been accumulating interest and management fees that I know owe. I was only told about this in late XX/XX/XXXX. I want to have all these extra fees waived so I can only pay what I owe as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX the collection agency Credence Resource Mana add a derogatory mark on my credit report per XXXX. Upon, Further research, this account was transferred/sold and i am no longer responsible for the account. This creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( Credence Resource Mana ) has violated my rights as a consumer and i am requestion legal actions to remove this account immediately
Product: Credit card or prepaid card

I received XX/XX/XXXX letter and respectfully disagree. # XXXX The facts from my statements since XXXX are : XX/XX/XXXX, {$8.00} ; XX/XX/XXXX, XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX {$4.00} XX/XX/XXXX, {$4.00} ( which I assume is dispute from XXXX XXXX ) CREDITS : XX/XX/XXXX {$40.00} and XX/XX/XXXX, {$1.00} ; XX/XX/XXXX, credits CREDITS : XX/XX/XXXX, $ XXXX XXXX Thus I am reading all interest and credits DIRECTLY from statements since XX/XX/2020, thus I am perplexed by your letter XX/XX/XXXX Please " XXXX and XXXX '' me thru all the interest / credi entries as to why they come in " bits and pieces ( ex {$0.00}! ) I am just reading charges and credits from statements and do not see how it reconciles with what you see
Product: Credit reporting or other personal consumer reports

Our mortgage lender recently pulled our credit report ( XX/XX/XXXX ) and almost immediately upon pulling our report I started to receive unsolicited calls and texts from other mortgage brokers. The credit reporting agencies released my information to third party companies. The calls were never ending and clogged up my phone to the point I had to block all calls except those on my contact list. On XX/XX/XXXX I started receiving new unsolicited calls at XXXX until XXXX. I received 34 unsolicited calls throughout that one day! Ive included screenshots of all the calls I received today ( XX/XX/XXXX ). Why are the credit reporting companies allowed to sell my information without my permission? Its wastes my time which is lost productive hours I could be using to make more income.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX XXXX deleted my one acct and I am still paying on the acct with account number XXXX. XXXX XXXX with credit one and she stated the one account is deleted and paid off. the second acct is with XXXX  and ends with XXXX XXXX and I already made payments for it. But the other credit one needs to come off the credit reports all three. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. Thanks XXXX XXXX
Product: Debt collection

I received a letter addressed to XXXX ( not my name ) at my home address indicating that I owe PayPal {$120.00}, reference # XXXX, acct # XXXX. 

The " debt '' was submitted by XXXX XXXX XXXX XXXX. 

I went out to PayPal and they show one use of my account, for {$25.00} to XXXX ( which is the only charge I've used PayPal for in the past XXXX years ). They show no other outstanding payment issues. 

Attached is a photo of the letter referenced above. 

Please advise regarding next steps to handle this fraudulent claim. 

XXXX XXXX