23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX XXXX. Upon leasing I also agreed and paid for Excess Wear and Tear Coverage ( " Excess Coverage '' ) and Tire and Wheel Protection. The Excess Coverage policy covered up to {$5000.00} in damage to the vehicle. At the end of the lease term the vehicle was inspected and a Vehicle Condition Report ( the " Report '' ) was prepared and submitted by XXXX XXXX XXXX ( " XXXX '' ). The Report reflected {$290.00} in total damage, obviously far less than the {$5000.00} coverage provided by the Excess Coverage policy. Nevertheless, I received a final bill from XXXX XXXX XXXX ( dated XXXX XXXX, XXXX ) which assessed not only the Disposition Fee of {$400.00}, but also a fee for " Excess Wear and Use '' in the amount of {$290.00}. The Disposition Fee is legitimate. The Excess Wear and Use fee is not legitimate. Therefore, on XXXX XXXX, XXXX, I wrote to XXXX XXXX XXXX to advise that I maintained an Excess Coverage policy ( that I obtained through the Hyundai dealer ) that covered excess wear, tear and use up to {$5000.00} and that the bill should be corrected to impose only the Disposition Fee. I never received a response to the XXXX XXXX letter. Therefore, on XXXX XXXX, XXXX, I wrote again and provided a copy of the XXXX XXXX letter. Again, I received no response from XXXX XXXX XXXX. Instead, on XXXX XXXX, XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX demanding payment of the entire charge, including the Excess Wear and Use charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the name of the company. I sold my house and closed escrow on XX/XX/XXXX. XXXX reported me late as far asXX/XX/XXXX after escrow closed. I was late once at most, not even 30 days late, and they counted it as 2 rolling lates which looks like 4 lates. They have ignored my pleas, calls, letters, and emails. Their company is changing in XXXX to the name XXXX XXXX mortgage and they do n't seem to care. I keep getting the run around, transferred, told to email, then mail, they promised action in 3-5 days, before that 7 business days.I was given an email address that was dead. No responses whatsoever. No response, no letter, no action. I am desperate as I am a XXXX XXXXXXXX trying to get a good home loan out of state. This derogatory information is making it very difficult. I thank you in advance for helping me with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for a fraudulent account and hard inquiry. 

Equifax : Account - 1st Pt {$650.00} Hard Inquiry - Credit Plus XX/XX/19
Product: Debt collection

I recently checked my credit reports and I hadn't checked them in almost 2 years. I noticed a collection charge from CBC for {$650.00}. I quickly realized I had been a victim of identity theft and fraud by my ex-boyfriend XXXX XXXX. 

He put my name on a lease of an apartment where I did not live. I was not with him and I did not authorize him to put my name on this lease. When the lease was started I was married and living with my husband at a different address. He used my information because he had bad credit and I had good credit. He used my information falsely to get into an apartment. 

I can prove this information with a marriage certificate showing my name changed in 2016. He used my maiden name on the lease years after I was already married. 

I also had the electricity turned on in my legal married name beginning in XX/XX/2016 at my true address. I can provide bills for the past 4 years authenticating my address. 

My information was used on this lease without my knowledge. I do not know owe {$650.00} because I did not live in the apartment with him or sign any lease. I only found out about it after looking through my credit reports. XXXX sided with the collection agency and did not remove it from the report. XXXX has not communicated their decision on the dispute I have open with them regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. ( I have attached the documentation of settlement for reference. ) I am continued to be harassed by the creditor telling me they do not do settlements and that I still am responsible for the remaining balance which is not true and is still reporting in error. It is a violation of the Fair Debt Collection Practices Act - which is a Federal Law that limits the behavior an actions of a third-party debt collections who are attempting to collect debts on behalf of another person or entity. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries reflecting on my report that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act XXXX accounts Transunion has violated my rights. 
15 U.S.C 1681Section 602 .A. States I have the right to privacy. 15 U.S.C 1681 Section 604. A Section 2 : It also states that Transunion a consumer reporting agency can not furnish a account without my written instructions and or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found out through XXXX XXXX, on my XXXX  report that there was a hard inquiry from Synchrony Bank on XX/XX/2019 that I did not authorize.
Product: Credit card

my sears cc account was closed XX/XX/2012 through a chapter XXXX bankruptcy however its listed as a charge off "bad debt" on my report. I have been trying to get this resolved for over a year as creditor error
Product: Money transfer, virtual currency, or money service

XX/XX/20 transfer {$5000.00} bank to bank.Today is XX/XX/20 still no not deposited, no answer or dropped call at usbank customer service number.
Product: Debt collection

I called to make a payment on an account through a debt collection company that I have been making payments on for the past 2 years. My account was transferred from the original debt collector to XXXX over to XXXX & XXXX in XX/XX/2016. You are not able to make a payment online. You have to mail in your payment or you have to call in. I tried calling on XX/XX/2016, my payment due date, for XXXX hours but could not get through. I called again on Monday XX/XX/2016 when the office was open. XXXX XXXX informed me that my balance was actually {$50.00} higher than my balance. When questioned about that, she sent me to a XXXX. XXXX answered the phone explained there are XXXX screens they look at which yes, do show different amounts, but after making my payment, it would be correct. He took my debit card information, confirmed the information given to him and said he would turn in the form. I requested a confirmation number from him for the payment and he stated that he did not have to give me XXXX. They would run the payment and it would be processed in XXXX to XXXX hours. I stated that they only had permission for a XXXX time {$50.00} payment and I wanted confirmation to this. He again stated he did not have to give me a confirmation number because they had changed their practices. I told him that was not acceptable because anyone could have my information or run my debit card number multiple times. He told me I could then mail my payment in and he was tearing up the form he filled out. I explained that I made a payment to this same company in XX/XX/XXXX and I had an immediate confirmation number given to me. He said again, things had changed.
Product: Student loan

My student loans are with Nelnet. They are in in forbearance. Yet my credit reports show numerous late pays. I am positive that this should not have been reported. I always made sure to do my forbearances in a timely fashion AND would check to make sure that nothing would be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint that contains these disputed items : XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 Please remove the listed items for they are mistakenly placed on my credit report
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XX/XX/XXXX XXXXXXXX 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

I AM A VICTIM OF IDENTITY THEFT AND THIS IS MY OFFICIAL STATEMENT OF THE CRIME ... THESE ITEM ON THIS REPORT DO NOT BELONG TO ME AND THEY NEED TO BE REMOVED FROM MY CREDIT REPORT.. I HAVE FILED AN OFFICIAL COMPLAINT WITH THE FTC AND ALL OTHER LEGAL AND GOVERNMENT AGENCIES HAVE BEEN OFFICIALLY NOTIFIED UNDER FRCA AND THE FRAUDULENT ENTRIES MUST BE REMOVED IMMEDIATELY, OR FURTHER LEGAL ACTION WILL BE TAKEN AGAINST ALL THE CREDIT AGENCIES. LEXIS NEXIS IS REPORTING FRAUDULENT, UNAUTHORIZED, UNVERIFIABLE INFORMATION ON MY CREDIT AND CONSUMER REPORT/PROFILE THAT NEED TO BE REMOVED AND DELETED AT ONCE.
Product: Checking or savings account

I am writing to file a formal complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue seems to be consistent with recent CFPB findings which identified similar practices with Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds available. I believe these practices are deceptive and unfair.
Product: Student loan

Navient correspondence dated  XXXX / XXXX / XXXX  states it can not process my  IBR re certification application as the form I used is " an old version that expired. '' The form I used states in the top right corner : "  XXXX   XXXX .  XXXX  Form  Approved Exp . Date  XXXX / XXXX / XXXX . '' It is  XXXX  pages.     Navient says that form was updated in  XXXX  of this year. The form they say I must use is  XXXX  pages, and is labeled identically to the form I used : "  XXXX   XXXX .  XXXX  Form  Approved Exp.  Date  XXXX / XXXX / XXXX . '' I spent approximately  one  hour today (  XXXX / XXXX / XXXX  ) on the phone with  XXXX  different Navient staff of increasing supervisory status, asking them to either : a ). process the form I sent in, which on its face is clearly current, or b ) tell me what information they require that my application would have omitted. They declined.     I 've been in  IBR st atus with a zero payment for at least 5 years.  XXXX   XXXX  used to send the current form in the mail, but  Navient has ne ver done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$5000.00}, {$5400.00}, {$9300.00}, {$15000.00}, {$34000.00}, {$1000.00}, {$4900.00}, {$32000.00}, {$14000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 









5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} XXXX -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.
Product: Debt collection

XX/XX/XXXX Personal Finance Company XXXX contacted me from XXXX advised she was handling my account with Mariner Finance and that I was one payment behind. I advised I would pay one payment of {$110.00} on XX/XX/XXXX. XXXX then attempted to collect a 2nd payment from me that was due XX/XX/XXXX not past due yet. I advised payment was not past due yet and XXXX used a derogatory term toward me and spoke down to me by calling me " honey ''. I asked to speak to a Supervisor and she transferred me to a Mariner Finance branch. I asked the lady at Mariner to speak with XXXX 's supervisor and she transferred me to XXXX XXXX 's voicemail with Personal Finance Company. I left a voicemail message and XXXX XXXX called me back about 30 minutes later. XXXX XXXX advised me she was confused about why I was complaining and that XXXX was only doing her job. I repeated back to XXXX XXXX that her stance was XXXX was doing her job. I requested an address to write a letter of complaint and XXXX XXXX refused to provide me. I then asked to speak with her boss she advised she was not available and would not provide me with a phone number or address to contact her boss. She did provide her bosses name XXXX XXXX and stated she would have her contact me. XXXX XXXX then terminated the call. I believe that calling someone honey or sweetie you're telling them you see them as a subordinate, a child, someone who needs benevolent patronage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed after obtaining my credit report and acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Section 623 ( a ) ( 1 ) ( A ) of the FCRA - requires that a furnisher shall not furnish any information relating to a consumer to any XXXX if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Furnishers have been known to report information with actual knowledge of errors even when the information doesnt reflect what's in their system. I hope that doesn't speak of your character. 

It is also my understanding that under the FCRA 15 U.S.C. 1681i, Every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely DELETED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled in XX/XX/XXXX and had a loan with Ally Financial. The insurance mad their payment on my behalf for the value in the amount of {$7300.00} in XX/XX/XXXX but was not processed to my account until XX/XX/XXXX ( which caused with inappropriate fees/interest ). In the meantime of processing this insurance payment, Ally had turned off my automatic payment for those months without my consent or notification & there were also points where the would not let me access my account. Throughout this time I was trying to get them to adjust my payment to when it was made properly and was run around in circles in their customer service department. No one had seemed to know why this was going on and no one seemed to care. 

In XX/XX/XXXX, Ally reversed my insurance payment ( for a reason I am not sure of ) and then in XXXX they had reported me to the credit bureau for being delinquent as of XX/XX/XXXX. Per my credit report, it caused my score to drop by around 100 points. Also worth noting that my mother cosigned my loan and she was also falsely reported to the bureau as well and since then she has cosigned a loan for my brother and likely received higher interest rates due to this. Since then, I have been dealing with their executive customer service group where they have been working to figure out why my insurance payment was reversed, as well as my payments I had made were not being applied to my account. In XX/XX/XXXX they reapplied by insurance payment to my account but I have no visibility into the adjustments they have made on my account to adjust for interest, fees, etc. Additionally, they had informed me that when this was adjusted that the next steps would be to work with the credit bureau to make the adjustments to both my balance as well as the delinquency status that was reported. 

As of XX/XX/XXXX, I finally had received confirmation that I will have the following things happen within two weeks of the phone call and was told I would receive a letter in the mail, as well as a personal phone call from Customer Service : 1 ) Remaining balance waived based on my severe inconveniences 2 ) Ally would submit a ticket to the Credit Bureau to adjust my credit score for the balance and delinquency status for both me, as well as the cosigner to the my loan.

Since then, I have called at least three times there has been no one that is answering my calls anymore and I have not received anything in the mail related to my account in regards to the balance and false credit reporting status. It is almost XX/XX/XXXX ( almost three months since I got confirmation ) and my balance and delinquency status is still reported incorrectly. 

I have been dealing with them for over a year for an auto loan on a car that has been totaled, 9 months since I have been trying to have them adjust the insurance payment, and it has been almost 4 months since I have been trying to resolve the balance and credit reporting issues. I have been more than patient with them and I do not see an end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So I decided to pull my report and I noticed accounts that are not mine. 
XXXX {$300.00} XXXX {$270.00} XXXX {$29000.00} USDOEXXXX {$23000.00}
Product: Mortgage

Nationstar issued approval for a short sale for a purchase price of {$130000.00} XXXX. The buyer 's appraisal was returned at {$130000.00}. Nationstar did not contact the investor for approval to issue a revised approval letter, which would have been the most effective solution. Rather than resolve the issue between servicer and investor, Nationstar instructed us to submit a copy of the buyer 's appraisal to XXXX through XXXX and assured us we would receive revised approval at the appraised value of {$130000.00}. The response was a counter in the amount of {$140000.00}. The buyer was unable to obtain a mortgage and the contract was cancelled. We have submitted several value disputes with documentation that a value of {$140000.00} is not reflective of market value and all disputes have been denied. As a result, we requested full disclosure of all valuation materials, XXXX reports, internal valuations, and appraisals. The servicer and investor refused our request, denying the homeowner her right to conduct a transaction with full disclosure and transparency. Should you need further information please contact our office XXXX or by e-mail ( XXXX ). Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following information was provided to me by XXXX for the Security Finance account I once had. The account has been PAID IN FULL and CLOSED. The account on my XXXX credit report reflects the following : -Balance : {$360.00} -Status : Needs attention. 

2. My XXXXXXXX Credit report reflect the Security Finance account was closed XXXX XX/XX/2020. This information on my XXXX Credit Report is absolutely inaccurate and affecting my credit score!! Please fix!!! 

( Info in paragraph below was provided to me by XXXX regarding my Dispute. ) >> We have researched the credit account. Account # XXXX The results are : This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. This creditor has verified to OUR company that the balance is being reported correctly. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : Security Finance, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX XXXX. I'm also having an issue with the XXXX XXXX XXXX reporting the correct information to the 3 Credit Bureaus. I paid this account IN FULL directly with XXXX XXXX over the phone. The account status is reflected as in-collection/or charged off. I paid this account to a {$0.00} balance, therefore it was not CHARGED OFF!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The accounts listed on my file are fictitious and fraudulent. I did not authorize or give consent to opening these accounts. There are a result of identity theft. My personal information email, Social Security number, home address has all been compromised. Please release me of these fictitious accounts. I demand an investigation into these accounts immediately and the removal of any reporting thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX, this year i closed my account in Citizens bank, located at XXXX XXXX XXXX. ( i closed XXXX accounts, checking and saving ). but as of today - my saving account ( ending in XXXX ) remains opened without funds on it. 
i asked workers in that bank named XXXX and XXXX to take care of it but in vain. 
knowing both of them as fraudsters ( that's why i closed my accounts there ) i suspecting another dirty scheme behind this. 
please help me to close my saving account and set up an investigation on those persons - their practice is illegal.