23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

fraudulent account made by identity theft. A man name XXXX XXXX who I worked with acquired my social security number by looking at my old tax returns while I wasn't present. He started a XXXX phone service account in my name which later went to collections. XXXX is aware and still has not removed the account. they sold my personal information to a third party which they shouldn't have had in the first place. This account should not be furnished on my consumer report as they are in violation!!!! Under

15 U.S. Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to
subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Premiere Credit of North America LLC is collecting money on behalf of the XXXX XXXX XXXX XXXX. Both companies are reporting my account as 180 days past due when that is incorrect. I have made payments and disputed this information with the credit bureaus and the credit company still reports incorrect information to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate updates that XXXX/XXXX keeps reporting information as accurate as well as readding amounts already paid. As of today XXXX XXXX 2017 it was updated once again showing that it 's accurate that I owe {$700.00} balance. This account was paid off on XX/XX/2017, even prior to that the balance was less than {$700.00}.
Product: Credit card

XX/XX/XXXX I began to occur suspicious charges that were not authorized by a merchant who skimmed my card and began to utilize card informs on an unknown device. I have responded immediately after notifications from Barclays of unusual activity from multiple attempts to the card and they advised they were not able to block the card or put a stop payment to further transactions even though when the text message advised to respond 2 is this was not authorized. I called to confirm and their team did not follow protocols. Leading to the theft of purchases that continued and could have been stopped. They are holding me responsible for their actions they failed to protect me as a customer.
Product: Mortgage

I purchased my home in XXXX utilizing Compass Bank with a physicians loan. We refinanced for a better rate in XXXX. So I had a loan with Compass Bank from XXXX. In XXXX of XXXX my husband and I applied for a HELOC with XXXX XXXX  against our house. Their loan department found out that Compass Bank never released the lien on the house to XXXX County. Compass Bank was contacted and informed about their mistake. 

Myself and XXXX XXXX  continued to check with XXXX County Register of Deeds and they never received anything. I called again on XX/XX/XXXX and Compass Bank assured me they sent it on XX/XX/XXXX but I explained to the representative that the county did not have it. Compass Bank said they would escalate my situation and gave me a ticket number. They had also given myself and my loan officer from XXXX XXXX  a contact ( XXXX XXXX XXXX ) that throughout this process I have personally called at least 20 times and left messages as well as my XXXX XXXX  loan officer has tried to call. Neither one of use ever got a return phone call and XXXX never answered her phone. 

On XX/XX/XXXX I called Compass Bank again with my loan officer from XXXX XXXX. We were told that the lien was resent on XX/XX/XXXX. When I called and spoke to XXXX county that day they still had not received it. We then asked the customer service representative what address the lien was sent to and we found out they sent it to the wrong address. We gave the representative the correct address and again was given a ticket number and was told they would " escalate the situation ''. The supervisor that would handle the issue is only allowed to be communicated with an internal email and we were not allowed to communicate with them. I was told to call back the next week to confirm Compass Bank actually did their job. 

I called Compass Bank back on XX/XX/XXXX. I was transferred 3 times because the costumer service agents told me even though I had a ticket number because my account was closed in XXXX they could not help me ( this was a new one ). The third agent could finally look at my file and could not confirm if the lien was resent to the correct address. While on the phone with me she tried to contact XXXX XXXX as I guess she was the agent in charge of my case and could not reach her. The customer service representative then did the best that she could and assigned me a new case and a new agent. Unfortunately, this still did not resolve my issue. I was assured I would get an email in 2 business days... we will see. This process has been more then frustrating and not to mention the time employees of XXXX XXXX  and myself have spent trying to fix Compass Bank 's mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

The above noted loan continues to show on my personal credit report as an outstanding loan. The loan was paid off when the property was sold. Payoff date was XX/XX/XXXX. This is impacting my credit score and loan to debt ration, as the XXXX XXXX  monthly payment and XXXX XXXX balance is still showing as an obligation on the property associated with this loan. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I provided copies of my credit report to Specialized Loan Serving per their request when I contacted them again on XX/XX/XXXX. I originally called on/around XX/XX/XXXX to contest this with XXXX XXXX XXXX escalation department and was assured it would be removed from my credit report. As of XX/XX/XXXX that had still not happened. I was also told a letter would be sent to my address of XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX stating this loan was paid in full. I have yet to receive any acknowledgment. 
I am very frustrated by the lack of action on XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made by the consumer XXXX XXXX XXXX XXXX XXXX Please see identity theft report. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. Experian has ignored my verified claims and is unlawfully, illegally, and conspiring with the furnishers reporting fraudulent accounts on my credit profile. Experian, XXXX, and XXXX each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

NELNET I received your recently letter. NELNET your contract to service the U.S. Department of Education student loans do not start until after a date in XX/XX/XXXX. 
Currently NELNET can only process XXXX claims of federal student loans for the U.S. Department of Education. NELNET I received your recent letter and last letter the one you reduce the money from {$80000.00} to {$39000.00}. NELNET consider that as the last letter you send me. NELNET you stole my identity. NELNET your employer the real U.S. Department of Education wrote you to Terminated the federal student Note in my identity for Fraud XX/XX/XXXX. The real U.S. Department of Education can cancel a contract a federal student loan for fraud. The note defaulted XXXX XXXX and that stands wrote the real U.S. Department of Education . The U.S. Department of Education wrote Defaulted, Terminate Collection meanng the real U.S.Department of Education does not want the money. The note was not completed in a federal lender orginator of student loans website for electronic signatures, etc. Many federal student loans FFLE loans the government are still collecting on no mattter of the amount. Nelnet remove yourself of my credit reports immediately. Nelnet you are in violation of the False Claim Act by stealing money from the real U.S. Department of Education in serviceing a Terminated Note for Fraud. NELNET your in violation of the Fair Credit Reporting Act. NELNET any other letter you might send me I will consider as harassment. I want all the credit reporting agencies to send me the documents that NELNET sent in to open this student loan in my identity and if the CRA can not tell my why> NELNET CEASE AND DESIST FROM CONTACTING ME UNLESS THROUGH YOUR ATTORNEY. NELNET I AM NOT GOING TO PAY YOU AN XXXX.
Product: Debt collection

This is a follow-up of a previous CFPB ( XXXX ) that i submitted on XX/XX/2023 regarding an illegal entry placed on my credit report by Southwest Credit. Shortly after submitting my complaint they removed it and send me a letter I received a letter dated on XX/XX/2023 regarding an alleged debt owed to XXXX ( XXXX ). In response, I sent the attached validation request letter via certified mail on XX/XX/2023. Attached is proof that it was successfully delivered and accepted by Southwest Credit. The company ignored my validation request and sent me another letter dated XX/XX/2023 demanding payment. Attached are both letters that I received from them along with my request for validation letter and USPS certified mail receipts. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Please see attachments
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a loan for central AC installation. The amount financed was {$7500.00} at 12.99 % APR with automatic payment withdrawal from my checking account. I received a TILA disclosure from them on XX/XX/ showing the loan term of 12.99 % and payment of {$110.00} per month and a finance charge of {$6000.00} with the first payment due XXXX 

On XXXX  I received a " welcome letter '' from them stating that my APR was 12.99 % and my payment would be {$110.00} per month with a finance charge of {$6200.00}. 

On XX/XX/ I sent an email to them pointing out their mistake. The welcome letter finance charge and payment actually reflected an APR of 13.49 % That same day I received an automated response with a case number and that someone would be in touch shortly. 

I contacted them by phone a few days later and was told that yes this was a mistake and would be fixed before my due date. 

I contacted them again on XX/XX/ to ask about an update. I spoke with a gentleman who told me that " calling everyday is not going to resolve this any faster '' He also stated that my calculation was wrong and that the payment and APR were correct on the welcome letter. At that time I informed him that I would be filing a complaint with the CFPB to which he replied " go for it '' I hung up after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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, L, XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$310.00}, XXXX XXXX XXXX XXXX  : {$770.00}, XXXX XXXX XXXX XXXX  XXXX : {$670.00}, XXXX XXXX XXXX  XXXX  : {$310.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2020. Please update and correct my account right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to lender and they say the case was already cancelled by them. Tried to contact Experian and could not log in. Even when they reset my account and sent me a temporary password could not enter account. Therefore can not put a freeze or credit dispute. Tried by telephone to add information and they transferred me and it hung up. So unable to access credit report, their online site, add a dispute or even pull my credit report at this time. 

They are definitely not consumer friendly, meaning XXXX 

The credit lender, who goes by XXXX XXXX or XXXX is very suspicious as a lender. You will wait hours just to get through their initial system. You get automated, it then only allows you to enter a credit card number, you have to hit multiple 0s and eventually you get a person, although, as stated they are neither helpful or consumer friendly.
Product: Checking or savings account

Huntington Bank has been the worst customer experience I have ever had. It's ridiculous that a bank of their size doesn't have the appropriate SOPs to vet or assist a new customer. They froze my account because they expected fraud which some people I spoke to said it wasn't and other people said it was. They shut down my online banking account, cashed my check, held my funds and now are saying they are deciding to close the account because it is a risk, however, they won't give my money. They said they can't get a hold of the issuing bank which is crazy. I okay with closing the account because I don't want to do business with a bank like this but I need you to release my funds. Asking me to get some documentation from the issuing bank doesn't make sense because I didn't need that for you to cash my check. Give me my money and we can part ways. You have already caused bills not to be paid and late payment fees that I have encountered. I will be contacting the CFPB, XXXX, OCC and whoever else until you give me my money back as soon as possible. This is my hard earned money and you can't hold it.
Product: Money transfer, virtual currency, or money service

I have previously reported the following XXXX transactions totaling {$13000.00} to USAA as fraud : XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XXXX XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$100.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$400.00}. 
XX/XX/XXXX - {$200.00}. 
XX/XX/XXXX - {$200.00}. 
XX/XX/XXXX - {$250.00}. 
XX/XX/XXXX - {$300.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$250.00}. 
XX/XX/XXXX - {$100.00}. 

For USAA to say that these transactions are not fraud is completely wrong. Please pay attention to the words and documentation that I have submitted in this complaint. During these dates I was serving my country on a XXXX in the depths of the ocean with NO access to the internet or to my cell phone. I have attached my statement of service stating that I was onboard a XXXX during these dates. I went on XXXX on XX/XX/XXXX and prior to that I had called XXXX XXXX XXXX  to suspend my cellphone service. The person who defrauded me had called XXXX XXXX XXXX after I had left for XXXX and she convinced XXXX XXXX XXXX to keep my cellphone service active WITHOUT my consent. This allowed her to receive text messages from USAA and allowed her to change my passwords all while pretending to be me. I have attached my XXXX XXXX XXXX usage report during these dates. You can see that text messages from USAA ( SMS code XXXX ) were received starting on XX/XX/XXXX most likely allowing her to have my personal information and passwords changed while I was on XXXX. I DID NOT authorize these transactions and I am a victim of identity theft. I was severely and maliciously defrauded. I have attached police reports that document that the person who did this is a con artist / serial defrauder. I also found that a bench warrant was issued for this person 's arrest in XXXX ( also attached ) for contempt of court in a case where she stole the identity of a service member serving in XXXX and she opened multiple credit cards in this persons name. She also opened 5 credit cards in my name and so far XXXX XXXX  and XXXX XXXX XXXX XXXX has recognized that I was defrauded and they had their bank 's entries deleted from my credit profile. Furthermore, she also sent money to her daughters from my XXXX account totaling {$7200.00} while I was on XXXX. XXXX has recognized that I was defrauded and had those funds returned to me.
Product: Credit reporting or other personal consumer reports

I am disputing this hard inquiry because I did not authorize it. Under the Fair Credit Reporting Act ( FCRA ), creditors must have my explicit consent to pull my credit report. I have verified with the company, and they are unable to provide proof of my consent. I am requesting that this unauthorized inquiry be removed from my credit report immediately. I did not authorize the hard inquiry on my credit report. Their records confirm no application exists. Please remove this unauthorized hard inquiry from my credit report immediately per the FCRA.
Product: Mortgage

I have been working with Quicken Loans for the past 6 weeks to secure a conventional mortgage. My loan was dropped 3 business days prior to closing without warning. There was no stated reason for why the loan was dropped. I have excellent credit, was putting {$200000.00} down on the purchase of a {$350000.00} home so it was considered very low risk. Quicken uses a website to handle the majority of their interactions with clients. I was in contact with them throughout the entire process and uploaded everything they asked for in a timely manner. I applied for the mortgage on XXXX XX/XX/2019. The loan was approved in the beginning of XXXX. On XXXX XX/XX/2019, I informed Quicken that I had received a competitve offer from a local bank and Quicken agreed to match their offer. The new rate was 3.25 % with a 1 % point buy down for {$1500.00}. I assumed everything was good to go. Then 10 days later on Friday, XXXX XXXX, I recieved a message from a " solution consultant '' asking me to call her back. She did not work weekends ; I was busy Monday the XXXX and tried calling her 3 times on Tuesday the XXXX. She did not answer. I tried texting her. She did not reply. I went on to the website and asked if everything was still good to go for closing on the XXXX? At that point, I recieved an automated email that simply stated : " Even though things didn't work out, you can still view your appraisal on Rocket Mortgage. Please note that your account for your loan ending in XXXXXX will close in 90 days, so you'll need to download your appraisal if you want to save it. '' I then emailed the original mortgage banker that I had worked with asking what happened. She simply said " I've CC 'd the solution consultant to assist you. '' She did not offer any explanation. Another person responded to the email and said, " It appears the solution consultant was trying to get a hold of you and we just couldn't hold the loan any longer. '' That was on Wednesday, XX/XX/XXXX - 2 business days prior to closing. In all, I had to work with over 8 different people at Quicken. Each time, they lacked the continuity and understanding of the situation. And it appears that once I tried to shop for a competitive rate, they were no longer interested in doing business with me but waited until the last minute to tell me which meant I could not meet closing and lost thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to false practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, deformation of character, I can't get a job, or apply for credit. I can't even get a sba loan or anything else in this pandemic due to this crisis. You have hurt my ability to uptain credit.
Product: Money transfer, virtual currency, or money service

Hi I bought something on XXXX on XX/XX/year>. Payment USD {$490.00} through Paypal. Tracking tells that the seller sent package to someone's po box , My address is NOT a po box , so I do not receive it. Paypal do not apply refund. 
Transaction number : XXXX Thank you