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

See Attached, ( if attachment is Error or failed to download document ) Read, The Identified Transactions are Not information related to Any transaction by me as the consumer. They are violating my rights as the consumer and I request them to remove these fraudulent reports from my report, and to Block and Delete.

These accounts are using my Social Security Number ( SSN # ), without my written permission or instructions to do so. Also, I have no Binding Contract with them, I have no account with them. No transactions have ever been made as the consumer with these companies, and they are using my Social Security Number for Gain and Profit. 

Identity Theft Report FTC Report Number XXXX These accounts are fraudulently opened. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't owe any of these accounts or companies and I did not give my Social Security Number to any of these companies to share. Thats a violation of multiple accounts and I should be compensated for Damaging my credit and Data Breach. Nothing on my consumer reports on the XXXX Bureaus, Transunion, XXXX, XXXX. Nothing match on Open Dates and Times, the balance does not match, and the name on 2 accounts are in the name of someone's else or similar, ( Department of Education ). And I would like that to be removed and deleted for incorrectly reporting, I do not own that account, but it keeps reporting, closing the account, open the account and then transferring the account. I don't know what's going to happen next. but everything needs to be removed that are not reporting accurately. 

I ask via certified mail to remove all incorrect information and send me an updated copy of my consumer report, I yet have seen it in my mailbox. that's been 3 months ago. 

the last recent certified mail was XX/XX/XXXX to Transunion, XXXX, and XXXX. I have not received an updated copy of my consumer report to gauge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I checked my credit today and saw Southwest Credit ( SWC Group ) about a balance on my credit. They stated it was reported in XX/XX/XXXX but when I advised I moved from location in XX/XX/XXXX she then continued to advise me they received the debt in XX/XX/XXXX. I informed them that I never received any calls or notification from them in reference to the debt. She then told me they're a data company and don't have to send me a validation of debt. I asked her if she was a debt collector and she stated yes. I then advised her I was a collector and she then confirmed they are a collection agency but then quickly changed her response back to they don't have to send me anything. She then said she's going to transfer me to someone who's going to tell me the exact same thing. Was placed on hold and nobody ever came back to the line. 

I never received any communication of them having the debt and was refused a validation period. 

SWC Group Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX
Product: Mortgage

Hallmark Morgage sent the final disclose 8 hours before closing which the buyer never got or singed. Also the buyer did most of the work for the sale
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice it was different names, birthday, and address on my credit report I send a all 3 credit bureau A letter on XX/XX/2023 saying i want update and correct my personal information and i wish to not have any phone number on my report and remove all addresses off my report as they are not deliverable to me by U.S post office.
Product: Mortgage

My home is in foreclosure with a law day set and I received an email from loan servicer stating that I have been approved for a loan modification. This email is dated XXXX/XXXX/16 and their deadline for returning the application is XXXX/XXXX/2016. I am not in receipt of the documents which the loan servicer said would be sent U.S. mail!!!! I believe I am a victim of " dual tracking ''.
Product: Debt collection

Hello, I am filing an complaint with the company LJ Ross as they have been trying to collect a debt that is not mine. The dates that they claim the account to be opened on are below. I have tried to resolve the late payments with this company and have not gotten anywhere. These debts were paid by the medical insurance company and are not owed. Please remove these off of my credit report. I am trying to buy a home and these are holding me back. 

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

XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX balance {$810.00} Open- XX/XX/XXXX XXXX Account Number- XXXX balance {$520.00} Open- XX/XX/XXXX XXXX XXXX XXXX XXXX  Account # XXXX balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$8200.00} XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Due to a hardship, I was unable to pay my home mortgage payments. I had a first mortgage with XXXX XXXX XXXX and a equity line of credit with Bank of America. My home was foreclosed upon in XX/XX/XXXX. Both loans were real estate loans and the collateral was the home. MY COMPLAINT is with Bank of America who held the equity line of credit. BofA reported the loan as charged off initially. Then 30 months later, ( XX/XX/XXXX ) a BofA collection representative started calling me threatening a lawsuit if I did not pay the money owed on the equity line. I was asked and agreed to pay {$5000.00} to settle the account. I have attached the note and deed of trust for the equity line showing that the loan was secured initially by the property but in the aftermath, it should be shown on my credit as a chaarge off - settled for less than due and not a Foreclosure. The way BofA is reporting this on my credit is keeping me from purchasing another home for 3 years. I am requesting B of A report this as a charge off of a credit account and not a foreclosure.
Product: Checking or savings account

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

1. I have received email from Experian that I was in collection with XXXX XXXX XXXX XXXX for delinquent XXXX XXXX XXXX account. 
2. I have talked to a staff in XXXX  XXXX that I have received credit card with my full name, Social Security Number, Third party 's Address & Phone number. 
3. Third party used credit card from XXXX XXXX & did not pay. 
4. Contacted Credit report company & remove third address & Freeze the account.
Product: Credit reporting

Equifax is listing accounts in collections on my credit report that have been paid off. At XXXX point, all of the information on my Equifax credit file " disappeared. '' It came back on, but with inaccurate information. As you will be able to see from the other credit agencies, these accounts have been taken care of and should be updated and removed. The inaccurate information is causing me to have a low credit score with Equifax and causing me not to be able to qualify for a home loan.
Product: Credit reporting or other personal consumer reports

Boyfriend bought a truck and then returned it in two weeks as the truck had issues. I was a joint signer on the account. They then said he was in dafult for {$2100.00} and this has been on my credit for over 9 years and this account does not belong to me and I never made any payments on this vehicle nor did I drive it. I repeatedly called the company asking them to take this off my credit and they will not.
Product: Mortgage

Am trying to get a home mortgage. Through XXXX XXXX XXXX. I started around the first Of XXXX. They had XXXX XXXX do Appraiser on my house. On XXXX/XXXX/XXXX. He toke a 5 bedroom, two bathroom house. turn it into a 3 bedroom 1 bathroom house. I have full basement. Down there is 2 bedrooms and a bathroom. He said that the bedrooms are as follow. One is study and the other one is a den. Both of them have a bed in them. I tried to tell I called the XXXX XXXX XXXX XXXX. About the mistake and they wont lesion to me. The house when I bout was XXXX. And I went through XXXX XXXX XXXX. When I remortgage the house through XXXX XXXX XXXX. And Low VA Ratees. It was XXXX. Now with New Day Financial with 3 bedrooms and 1 bathroom. They are telling me that my house is now XXXX. That is lower then when I got the house and with the remortgage. This is a 5 bedroom and 2 bathroom. Am tried of trying to get them to change it to the 5 bedrooms and 2 bathrooms. They just wont lesion to me. NO one should go through New day.
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 XXXXXXXX, 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 an 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: Vehicle loan or lease

Please advise if there is a different resource I should submit this claim through. 

I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX California on XX/XX/XXXX for a cost of {$39000.00}, after taxes and fees for a total of {$42000.00} and put about 10 % as a down payment of {$4200.00}. 

My complaint is specifically directed at the supposed depreciation of the vehicle. I understand a vehicle losing value right off the lot. Its now a used vehicle and should not be sold for the amount it was purchased of course. As of today, XX/XX/XXXX, the value of this vehicle is determined by XXXX to be around {$16000.00}. Thats about a 60 % depreciation in less than four years! We had valued this rv about a year ago as well at {$18000.00}. I feel someone ( namely the manufacturers ) should be held responsible for the Manufacturer Suggested Retail Pricing thats absolutely taking advantage of unsuspecting consumers, such as myself, who have absolutely no idea the ridiculous depreciation of these purchases.
Product: Debt collection

On XX/XX/XXXX, I sent this company a letter requesting that they validate the date and they sent me an itemized bill. The original creditor is trying to make me pay a deductible for services that wasn't performed. I informed my Warranty company XX/XX/XXXX that they did absolutely nothing just came out and didn't even look at the issue and said they can't do anything and they said I am NOT RESPONSIBLE FOR this debt. I then sent a letter to the collection agency on XX/XX/XXXX requesting for them to show proof that services were rendered by this company and they just said the debt was verified that is not accurate and they continue to report this debt on my credit when the Original creditor DOES NOT have proof that they even provided services. I am not in the process of pursuing civil litigation action and even pursuing obtaining a consumer rights attorney regarding the bureaus continuing to collect on this unverified debt. This debt collector as well as the original creditor are continuing the report this and is a violation because they are charging me for services that were never honored by the original creditor.
Product: Debt collection

contacted by Transworld Systems Inc XXXX XXXX XXXX XXXX, De XXXX about a XXXX XXXX Account XXXX that the account was paid in full they also sent me a bill Saying my wife XXXX XXXX XXXX owed XXXX this account was is not even XXXX  days past due and they started up collections I have called XXXX XXXX they told us actually have a XXXX credit on our old cell account. these XXXX a well know under handed collection agency has put illegal negative report on our credit history..
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm looking to buy a new house and don't want the current extended fraud alert on my profile to hold me up at all during the home-buying process. I'd like to have it permanently removed and have supporting identification documents in the letter which I've uploaded below!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute to the major credit reporting agencies and listed the erroneous accounts. I believe 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. I have contacted creditors to resolve this with them to remove the accounts listed on my credit report because they are fraudulent. I also gave a copy of my ID, SS Card, and Proof of Address.

Section 623 ( a ) ( 1 ) ( A ) of the FCRA prohibits information that the furnishers are providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.

[ 15 U.S.C. 1681s-2 ] Section 623 ( a ) ( 1 ) ( B ) ( i ) ( ii ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining and providing extensive evidence that Equifax is incompetent as a repository of records and that evidence shows personal financial damage to me, that equifax automated computers do not function and that equifax can not do basic functions as required by FCRA and other laws.

I disputed XXXX XXXX XXXX ; ACCOUNT NO XXXX  for the incalculable many times. ( confirmation # XXXX ) I am providing two previous dispute results XX/XX/2018 confirmation noXXXX and XX/XX/2018 confirmation number XXXX.

BOTH OF THE RESULTS LIST THE ACCOUNT NUMBER AND SAY THAT THIS ACCOUNT IS NOT ON MY REPORT WHEN IT IS.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Mortgage

My husband and I bought a house in XXXX 2014 with a mortgage from Citibank, with a payment of {$2600.00}. Today I received the Annual Escrow Analysis stating that we have an escrow shortage of {$2100.00} and that our payments will increase to {$2800.00} for the next year. Upon calling Citibank, I learned that our actual escrow shortage is closer to {$3000.00} because of a recent insurance payment Citibank made. Citibank explained that this happened because of the way they calculated our tax bill. However, they should have calculated our tax payments correctly to arrive at a more accurate payment. It seems that they did not include insurance in their escrow calculations either, resulting in the total shortfall of approximately {$3000.00}. I believe Citibank deceived us as to our payment amount, giving us a smaller number at the outset and failing to calculate correctly and inform us of the real cost. If I had known that our payment would increase by {$250.00} a year after buying our house, I may have decided to go with another bank or may have decided not to buy the house at all. I was not able to make accurate financial decisions because of Citibank 's failure to provide correct information.
Product: Student loan

I sent a {$93000.00} payment to Navient to pay off my student loan. I wrote my account number on the check and submitted the check in with the payment form to the payment address on their website which was XXXX XXXX XXXX, XXXX Pennsylvania. I sent the check certified mail and they signed receipt for the check on XX/XX/XXXX. They cashed a check on XX/XX/XXXX and did not credit my account. It is now been more than a week since theyve cashed the check and they said they need to do more research to link the check to my account ( my stepfather wrote the check for me, but it had my name and account number on it ). Ive spent several hours on the phone with them. They have almost {$95000.00} of my stepfathers money and have not credited my account. It is causing exceptional stress on all of us. Navient just says that the check is in suspension mode. They are asking for proof that the check cleared. I uploaded a screenshot of the bank account showing the check number and cleared amount and date two days ago and its still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

For two months now I've gone above and beyond proving to Equifax my identity to remove a credit freeze. 
I then get the results, ( two letters disputing wether or not it had actually been removed made it even harder to confirm ) and Equifax has entered my correct legal name wrong into my credit report, ( this already had dire consequenses on my credit in the past ). 

They have entered my first name as " XXXX '' when it is in fact " XXXX ''. 

And they now deny me access to correct THEIR MISTAKE via customer service due to my not having 20 year old mprtgage records that the statue of limitations on is 7 years!
Product: Credit card

US Bank On XXXX I spoke to.a Manager at US Bank named " XXXX '' who confirmed the terms of my pending balance transfer at 2.99 % 12 months Total Funds Balance Transferred to US Bank {$5200.00} at 5 % transaction fees of XXXX $ XXXX XXXX for 12 months US Bank Promised to Pay : XXXX for {$4300.00} Pay XXXX {$830.00} " XXXX '' documented on XX/XX/24 that All Late Fees from both XXXX XXXX XXXX incurred would be Paid by Depositing XXXX points to my US Bank points Acct to offset the Late Fees Costs US Bank made their 5 % balance transfer Fees at : {$260.00} + plus additional Finance Charges But to date Nickeled & Dimed me Refusing to honor the Promo Point Deposit as Documented by XXXX on XX/XX/24. 
They agreed to.deposit only XXXX points and I am missing {$75.00} or XXXX points. They Are Liars and Only Take Exborbitant Fees, Finance Charges and when you hold them Responsible as Aforementioned and Documented they Hang up on you!! 
I want my earned {$75.00} or XXXX points Deposited as Promised!!
Product: Credit card

I opened an account with Amex Platinum with no preset spening limit. They sent me the bill ( Bill of Exchange ) that I paid with an endorsed negotiable instrument totaling {$200000.00} on XX/XX/XXXX. UCC 1-304 They received my payment as I have proof on cerified mail with return receipt. 
Next they lied and said they did not receive the payment, said they shredded the payment, didn't shred the payment and would sen it back to me with a letter. ( all in same phone call ). They did not return the payment but did send a letter on XX/XX/XXXX stating why the payment was not accpted. UCC 3-603 states that even if payment is refused the debt must be discharged by law. 
Next they requested financial docmuments for a financial review ; bank statements for 3 months. I have been a client in good standing with Amex since XXXX  ; never paid late or missed a payment. I provided the bank statements as requested and Amex still closed both my accounts and has not returned my payment. Amex is in Breach of Contract, Breach of Fiduciary Duties and Breach of Conditional Acceptance
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX ( XXXX ) I lost my job due to the pandemic, my job could not longer afford to XXXX XXXX  Immediately I contacted affirm and made the rep aware of the situation. I was told my due date could not be pushed back But due to the nature of the situation it would not be reported to the credit bureau. In the same month of XXXX I had a procedure that led to complications which prohibited me from getting another job immediately. I called affirm again to explore my options and I was ASSURED the loan info would not be reported to the credit bureau due to the extenuating circumstances far beyond my control ( an unforeseen pandemic ). After the rep stated it wouldnt be reported it was & my score dropped by XXXX XXXX.

I have been a customer for years and this is the only history of me not paying on time. 
A supervisor advised me that this can not be deleted from my credit report because the external factors were still within my control. Any competent person will note that Covid has had a direct impact on every economically factor surrounding America - especially income ( or lack thereof ). It is saddening to know affirm reps are aware how important credit is and have made 0 efforts to make the situation better. The reps have been very rude and have shown their lack of care to something very vital to my everyday life.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. 

XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX BANK XXXX XXXX ....