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

I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. 

A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. 

Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. 

XXXX XXXX  - is refusing to do anything they are basically acting like they know nothing. 

XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. 

Regional Acceptance Corporation- does not have a number where you can actually reach a person or leave a message.

There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.
Product: Debt collection

I paid the balance that was due and given to me then a month later they sent me a bill for another XXXX dollars. I will not pay it because it was arbitrarily charged for services not performed. I paid for what was done. The Collection company is listed on my report as Professional Finance XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  XXXX - XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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, credit repair services, or other personal consumer reports

I received notification today that I am in 90 days in default on my home loan by Planet Home Lending. This is completely false. I have paid everything. This is significantly hurting my credit score and it is costing me heavily on my refinance. I used to have a credit score of over XXXX now it has dropped to XXXX. 

The loan was transferred from Planet Home Lending to XXXX  XXXX XXXX in XX/XX/2020. Four months later, in XX/XX/2020 Planet Home Lending reported that I was over 90 days in default, that is 4 months after they no longer had the loan. I cant be in default of a loan they dont have. I have full proof of payments for all my loans ( attached ). I've never been in default. I called Planet Home Lending and they said it shows that I was never in default and that the account was fully paid, but that for them to review this would take 3 weeks. Planet Home Lending has historically moved very slowly and I have had to contact them numerous times in the past by phone and by email just to finally get a response. Unfortunately Planet Home Lending has made error after error on numerous items and this is yet another one and it is hurting my credit score and me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have 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

I was voluntarily taken off a credit card from lowes/ SYNCB/LOW XXXX that am no longer an authorized user on and lowes has reported to the credit bureau XXXX and others that I own an out standing balance of {$10.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Date of service XXXX XXXX 2011 SRA file number XXXX amount {$2400.00}. Received a notice from a XXXX XXXX that does not have a legal license to ask for money in the state of Georgia nor did I have a contract with. There 's no recollection for me to have gone to the XXXX XXXX XXXX for treatment and if did I 've always had insurance insurance would have taken care of any bills that I had.
Product: Debt collection

I am XXXX XXXX, I received a letter from Ragan & Ragan , PC firm XXXX XXXX XXXX XXXX XXXX, NJ XXXX that they want me to pay to XXXX XXXX firm {$890.00} with the interest so on. On this XXXX letter showing date XX/XX/2011. I do not know who is this firm and I do not remember what is this for. This this Law firm send me letter that they want to collect the money. From no where this is comes, I do not know what is going on. 

Ragan & Ragan , PC File # XXXX this Law firm phone number is very strange I called them finally I talk to some one and she said XXXX XXXX  XXXX and her EXT. is XXXX but no respond. Their number is XXXX XXXX
Product: Vehicle loan or lease

I have a CIG AutoNation Vehicle Loan and I made a {$500.00} payment on XX/XX/year>, but the servicer refuses to allow me to login to the portal and see the payment or my statements, nor my loan documents until I remit an additional i {$990.00}, and when merely asking to see this info or access my statements or my car loan documents, I am BLOCKED from the account. On the phone for customer service they said I am not entitled to this information until I remit more payments but then wont even allow me to see to what the payments would be applied, what months, what fees, or anything. I would like to have access to my account information so i can make informed decisions about my credit my balance and my options, but can not see anything at all.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( eXb ) Account : I think XXXX XXXX XXXX XXXX, Account : I think XXXX XXXX XXXX XXXX Account : I think XXXX XXXX XXXX XXXXXXXX, Account : XXXX XXXX XXXX XXXX XXXXXXXX, Account : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at All three of my Credit reports on XX/XX/year>2024 and noticed some things are Incomplete, not accurate an fraudulent. And according to the fair credit reporting act Whenever la consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the habitual about whom the report relates according to 15 USC 1681 ( eXb ). 'And according to 15 USC 168115 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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.
Product: Checking or savings account

During the week of XX/XX/2020 through XX/XX/2020 Navy Federal Credit Union charged me {$80.00} in overdraft fees. I was charged too many fees. This happened because when the posting happened Navy Federal did not post in order of when the charges actually happened, they charged the highest dollar amount first, then followed with the lowest dollar amount last, in turn Navy Federal made extra money on overdraft fees. I also made a deposit of {$490.00} on XX/XX/2020 and that deposit was not credited until XX/XX/2020. Because of all these overdraft fees my account became overdrawn because of the overdraft fees and more overdraft fees were added because of the overdraft fees. I will admit I had no idea my account was overdrawn until XX/XX/2020 when the {$490.00} deposit was made. I made an error in my checkbook. I called and requested help and received none. And then I remembered why I did not receive customer service. Navy Federal has placed a flag on my account recently that I was in bankruptcy ( which is 100 % payout ), so now when I call or go inside a branch the teller knows that I have a bankruptcy on file. I have no idea why it is a tellers business or a customer service representative, however when the flag was added I have been treated differently and looked down on.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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.
Product: Money transfer, virtual currency, or money service

Dear Sir, Madame, I am a client of XXXX XXXX. Just started trading cryptocurrencies in XXXX 2017. I have loaded my account with few minor transactions from my credit card, which went through straight away. I have then transferred the amount of XXXX XXXX EUR from my personal account in XXXX to their account in XXXX on XX.XX.2017. Until now the amount has not been received in my Coinbase account. I have contacted Support and opened a Case ticket with them. They requested my payment order and this is when they stopped replying to my correspondence. Because of the lost transfer, I have missed many trading opportunities. Kindly assist in getting the amount credited to my Coinbase account or refunded to my personal bank account.
Product: Credit reporting or other personal consumer reports

I didnt recognize this hard inquire in my credit report : XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry Type Individual XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX . Inquiry Type Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO ALL THE BUREAUS REGARDING THE INCORRECT INFORATION THAT DISPLAYS ON MY CREDIT REPORTS AND HAVE TRIED NUMEROUS ATTEMPTS TO HAVE THEM REMOVED AND YET NOTHING HAS BEEN DONE. ALSO THE FACT I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX : Collections : 1.XXXX XXXX-XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.Auto XXXX 6.XXXX XXXX Closed : 1.Dept of EDXXXX 2.XXXX XXXX  XXXX 3.XXXX XXXX XXXX XXXX reported XX/XX/21 4.XXXX XXXX XXXX TRANSUNION : Closed : 1.Dept of EDXXXX 2.XXXX XXXX XXXX XXXX XXXX : Collections : 1.XXXX XXXX XXXX 2.XXXX XXXX Inquiries : 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Closed : 1.Dept of EDUXXXX 2.XXXX XXXX XXXX  XXXX
Product: Mortgage

I have had my mortgage since XX/XX/XXXX and have made timely payments for the past XXXX years. I refinance in XX/XX/XXXX and the mortgage company messed up my FHA account number. They did not close the old account number out and were sending my escrow payments to the old FHA case number. They sent me a mortgage increase statement at the beginning of the year showing an escrow shortage of over {$5000.00}. I 've been working with the mortgage company to correct this issue for XXXX months. They figured out the escrow account problem but then stated that my MPI payments were never made during the transition from the old mortgage company to the new XXXX. Now their stating that I have an $ 800+ shortage. I received a reimbursement check approximately XXXX years ago for about {$300.00}. I explained that if I should n't have recieved that check I would be happy to repay the {$300.00}. but they can not seem to figure out why I have this shortage of over {$800.00} from my missing MPI payments. I have never short payed my mortgage, nor have I ever been late on paying. I feel that there is some illegal actions occuring and want my mortgage and the mortgage company investigated.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$530.00} XXXX  XXXX XXXX Balance : {$0.00} 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

these accounts were fraudulently opened. this is stopping me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to TRANSUNION for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Debt collection

Since XX/XX/XXXX USAA XXXX XXXX debt collectors have repeatedly called my phone numerous times a day. I have been in the hospital and trying to recover from XXXX XXXX XXXX and XXXX and have begged and pleaded with them to please stop calling me. I am being called Every hour sometimes even every couple hours. This is a very rough time for myself, family, and country. They are being rude and telling me that they do not care and will proceed to call me as many times as they want until the debt is paid. I need help!
Product: Credit reporting or other personal consumer reports

In regards to complaint # XXXX Its been 60 days and Equifax has not unlocked my report. I have been trying to get my credit report. Please help they are not trying to give me access to my own credit report. I have given them all my documents as needed and they still refuse to unlock my report.
Product: Credit card or prepaid card

On XX/XX/2020 I tried to use my Capital One credit card to pay the copay on a medical procedure and it was declined. When I called to find out why the representative told me my account was restricted and would not tell me why until he " verified '' the account. 
I refused to give my cell phone number ( they do not have it as far as I know. ) and what told he could call my home number but I had to stay on the line. I was calling from my cell phone and my home phone calls are forwarded to my cell phone. This would necessitate me disconnecting/holding the cell phone call in order to answer the forwarded home call. 
The rep then said I had to provide my state issued ID card front and back in order to release the restriction on the account. This puts my identity as more risk because they already have my social security number and have had a recent breach. 
I asked to speak to a supervisor and after a long wait was transferred to a representative in the US. ( I confirmed that the company outsourced there customer service to XXXX or the like with XXXX XXXX, a supervisor. ) XXXX mentioned that general reasons for restricting an account have to do with " additional concerns '' and would not go beyond that information ... other than implying that my card was restricted due the homeland security and the Patriot Act. 
This is ludicrous. The Patriot Act was put in place to protect America against terrorism and potential terrorist acts. 
When I questioned XXXX on why I was not sent a notification via email that there was a problem with my card and " potential identity theft '' he responded that not all card holders have an email address. However, Capital One sends me about three email messages per month and this did not seem like a truthful answer. 
I have no idea why this happened. I have been a card member with Capital One for about ten years. I pay on time and over the minimum amount each month.

It seems unlawful and against US Code to require images of an ID card to be sent through the internet to release a freeze on an account. A freeze that seemingly has no legitimate reason and no indication is disclosed to the card holder. Additionally, they refused to report the card lost or stolen and issue a new card.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This afternoon, I was shocked to see incorrect accounts appear on my credit report without any warning. I routinely check my report, but this time there were unexpected discrepancies that made no sense. Even after refreshing my browser, hoping it was a glitch, the errors remained. I am deeply concerned and urgently ask for a thorough review of the documents Ive submitted, so I never have to worry about this again.
Product: Mortgage

XX/XX/year> I logged into the loan/mortgage loan servicers website and attempted to make the usual monthly payment ; however, I was unable to make the {$2700.00} payment INSTEAD I was re-routed ( funneled ) to a new tab directing me to make a {$23000.00} lump sum payment. I almost selected the " pay button '' until I saw the default figure. I have never requested a lump sum arrangement. There is alot of language now on the account dashboard that advertising the lump sum versus the monthly. 

I emailed the company ServiceMac ( Fannie Mae servicer ) and asked how I could resume and/or access the monthly payment option ... .considering it is no longer present anywhere on the website. I have downloads of previous payments and what the website formally looked like and how a customer could make monthly payments. That is all gone now. 

I ask that CFPB look into this for accountability and compliance purposes since this mortgage servicer is intentionally misleading customers in order to cause loan defaults. In sum, ServiceMac has opted to manipulate their website as to force mortgage delinquencies to steal homes given market conditions. It's such a deceptive business practice that deserves expeditious attention.
Product: Credit reporting

The credit card from XXXX XXXX XXXX is not mine. I do not think it is fraud because I called them and they can not find my name or personal information in the system. It is simply a mistake. They put someone else ' s information on my credit report. It 's been there for years. Fortunately whoever has this credit card is paying it timely, but it 's not mine! How can I get this removed from my credit report?
Product: Credit reporting

I filed bankruptcy in XXXX of 2010. There are several medical collection items that were included in my bankruptcy that still show open on all XXXX credit bureaus. I would like to have them removed and am not sure how I can do that?