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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a Hard Inquiry by these companies : Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report. 

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX  XXXX XXXX XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX were fraud accounts opened directly after a bankruptcy with my ID. they received my FTC ID theft reports and failed to remove and are damaging my credit. I have requested both XXXX and Transunion to provide PROOF of verification, not just computer checks and they failed to provide proof. Both of these accounts are damaging my credit and calling and speaking with them is useless. XXXX received my complaint and failed to file arbitration as requested and stated they are not required, however per the contract they sent, arbitration is indeed listed. XXXX refused to take my call and rejected all attempts of letters and proof of ID theft.
Product: Debt collection

CCS sent a letter stating I owe XXXX to XXXX, the policy cancel date shows as XXXX/XXXX/2015. The correct date is earlier, it appears the rep I spoke with chose to put a future cancel date of the XXXX instead of the day I called in. I do not owe XXXX, I thought I had money coming back to me. I no longer own the vehicle, it was sold prior to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I let the credit bureaus know that I am a victim of identity theft. There is an account from XXXX XXXX on my credit report. The account is still on my credit file. Section 605 b of the Fair Credit Reporting Act requires that any information that I inform you is fraud has to be removed within 4 business days. Also, 15 USC 1681 section 604 a 2 says that you can not put anything on my credit file without me giving you permission in writing. I never gave you permission in writing. This account is listed on my file as a charge off. That means XXXX XXXX is committing tax fraud. They have sold the account and taken a tax write off.
Product: Credit card

Opened XXXX with USAA in XXXX Provided late payment in XXXX after years of on-time payments ( XXXX XXXX over XXXX ), was quickly resolved and paid current. In the meantime, USAA removed my wife as a secondary account holder and proceeded to delete her credit history. XXXX claimed that the policy had changed at some point, and she hadn't signed an authorization form in XXXX. Yet, she was able to use the card and charge XXXX of thousands of dollars in the intervening years. USAA was unable to explain how she could use the card without having signed an authorization form, and refused to provide any appeal process or assistance.
Product: Credit card

Checked my credit report and it was alarmingly low. I reviewed the accounts and showed Comenity Bank as over 180 days past due, opened, used but never paid. In reviewing the other accounts on my report NO OTHER account shows that pattern, everything is in good standing, making payments, or paid off. 

The report also shows an address associated with this Comenity account as not mine ... from a state I have never loved that was opened XXXX. 

I have spoken with XXXX, XXXX, and XXXX about the removal of this from my report. I have also contacted Comenity informing them that it is not mine and nothing associated with this account is mine, so it is fraudulent, along with the steps that I am taking to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The addresses on my credit that was run on XX/XX/23 continue to be wrong! XXXX is not and has not been my address in more than a decade! It's invalid! XXXX is missing my XXXX XXXX for which I provided a number of times yet they continue to leave it off of my address on my credit! 

XXXX. XXXXXXXX XXXX XXXX is paid off but they show 2 different dates as the paid dates. Only the XXXX is correct, the other is not! 

XXXX. XXXXXXXX XXXX XXXX has an additional status comment added to the pay off comments that the account was once delinquent. Well that IS NOT NEW AND WAS REPORTED YEARS AGO AND APPEARS IN THE PAYMENT HISTORY. IT'S NOT NECESSARY TO MAKE IT APPEAR TO BE CURRENT INFO WHEN IT'S NOT!
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows two ( 2 ) hard credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX. XXXX
Product: Debt collection

I've sent NATIONAL CREDIT ADJUSTER several requests for validation of a debt on an account for which they advised that I owe {$900.00}. NCA has failed to validate the debt and continues to list the debt on my consumer credit reports. Please assist in having NCA remove the debt and rescind all collection activity in accordance with FDCPA guidelines.
Product: Credit card or prepaid card

Dear Discovercard I'm so disappointed with your services Until now, I can't use my credit card. 


Once again, I have a balance of almost 250 dollars but you're constantly declining my credit card even I cant get cash from it. 
Last week I tried to get cash using my pin in a XXXX  XXXX cashier but was declined You sent me a form with verification of my personal info, I'd already signed but it's so frustrating this situation.On last week. 

On XX/XX/XXXX I sent a pay from my XXXX  XXXX XXXX account to my discover card of XXXX dollars..but until now I cant use my discover card I'm going to send a demand to you using the CFPB today if you ASAP don't free my money to use it What frustrates
Product: Credit card or prepaid card

I had a XXXX credit card through Comenity Bank. I always paid my card in full and on time. I paid my final balance and closed the card on XX/XX/2020. Last spring, I got a phone call from Comenity Bank asking why I was delinquent on my payments. While talking with the customer service rep, I discovered a charge had been put through on my canceled card. I have called the company numerous times and talked to many people. Some are helpful, others are verbally abusive and have accused me of attempting to defraud the company. I have waited hours on hold, only to told the problem has been handled, or to be disconnected. 
I wrote them a letter trying to resolve this issue. The response was to call them at the same number I've been dialing for over a year! 
Today I got an email from XXXX, who just bought my " debt ''. I am furious and making good on the threat to contact your bureau if Comenity didn't resolve this. 
I'm sending a copy of a statement they sent me, a copy of the letter I sent them, and information about the " debt '' they sent to collections. Since the account was closed nearly 3 years ago, I no longer have my account number.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I, XXXX XXXX, after a few years out of the country returned and now am trying to regain access to my Experian create report to wear I prior had no account or relationships with to find someone else has opened a membership and now I am having a hard time getting in touch with a real person at Experian to sort this matter out
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been trying to negotiate a settlement with Navient to be removed as a cosignor. They continue to call me on my cell. They have found my direct phone number at work, and have actually gone as far as contacting my youngest daughter on her personal cell phone, who is not involved in any way shape or form with this loan. 
I am clearly being harassed!!!! 
I have clearly stated to them on multiple occasions to not call me, as I will never make another payment on my EX STEP DAUGHTERS loan. 
I have told them to mail everything, and please ... ... by all means ... ..take me to court. 
They just continue to call and harass and threaten me. 
Unless they are willing to negotiate a settlement, without asking for all of my private information, I will gladly meet them in court.
Product: Vehicle loan or lease

I always pay my monthly bill on online. XXXX I just happen to open my statement and the amount due is XXXX difference. XXXX and the phone system says my payment due on XX/XX/15 is XXXX ; however, my statement say I owe {$510.00}. When I called CarMax told me online doesn't show the amount due with the late fees. I told them that is misleading. 

Additionally, I have been paying a little more on my monthly payment. They told me if I don't make the payment XXXX  days prior to the next due date, the extra amount will not be applied to my late fees. I believe this is a UDAAP violation as I think I am paying my late fees with the extra money. Also, when I see my amount due online and it doesn't include an extra amount that is all I owe.
Product: Credit card

Many months, perhaps years ago we set up auto pay with Macy 's department store credit card. Naturally, as we made purchases for XX/XX/2015 at Macy 's we knew that the statement balance would be paid off monthly on XX/XX/XXXX as our past ( prior to this experience ) records show. Fast forward 3 months to XX/XX/XXXX and we 're getting calls letting us know our statement balance is past due. Macy 's is accusing us of calling in on XX/XX/2015 to cancel our auto pay ( which is miraculously the same day our payments are drafted for auto pay ), but are unable to provide any proof i.e. Email record, phone recording, etc. Macy 's is unable to offer any resolution and is keeping the {$67.00} in late fees they charged us, again, without any proof whatsoever. Macy 's has reported a derogatory filing with all credit reporting agencies - my first any only late payment mark in my 14 years of credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had yet to correct my credit report. XXXX - XXXX # XXXX is mistakenly reporting a late payment in XX/XX/2022. This is a complete error and needs to be rectified right away. The account was paid off on XX/XX/2022. See proof from the XXXX company and letter from XXXX attached.
Product: Debt collection

Citizens bank never reached out to me to let me know I owed a balance. You enticed me to open an account and put my direct deposit in there. You then took my money to pay a charge off that you never told me about. My wife is XXXX and was laid off due to the pandemic. The money you took is money we use for food and bills which I am now past due on. You guys didnt tell me I owed money - invited me to open an account and put my direct deposit there- and proceeded to take my paycheck and I was unable to feed my XXXX wife or XXXX. And when I submitted a claim last time the citizens bank rep called me once, never returned my multiple phone calls, and never even helped me get a payment plan so now they took even more money. You guys are crooks. I will make sure to file surveys and complaints for the rest of my life so people now how unfair, deceptive, and abusive you people are to XXXX families who have been affected by covid. You should be ashamed of yourselves. Also every single representative I talked to from customer service to charge off/collections is very very rude. You guys are thieves.
Product: Money transfer, virtual currency, or money service

I got a call from chase bank someone outta the state was using my bank card and they said they will fix it never got a letter or nothing else about it
Product: Debt collection

RevMD Partners received a validation notice and a notice of account settlement with XXXX XXXX from me via priority mail no XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I have not received a valid response to validate that RevMD Partners are Holders in Due Course. In the notice received, Ive kindly requested for RevMD Partners to cease and desist. Revmd Partners ignored my request and during the validation process RevMD Partners changed their original reference number from : XXXX ( see letter date XX/XX/2022 ) to reference number : XXXX, with a new balance of {$490.00}, and new HIPPA violating documents. Due to the change, it yielded no additional fees with the XXXX XXXX. This account was settled with the XXXX XXXX on XX/XX/2022. 
Please be advised that RevMD Partners are not Holders in Due Course ; no services or goods were received from RevMD Partners and I have not agreed to pay/tender anything to RevMD Partners on behalf of their alleged client XXXX XXXX for any reason. 
RevMD Partners have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
This proves that RevMD Partners is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. I have not provided signed any wet-ink releases of my private medical information to RevMD Partners.

This is proof that my HIPPA rights have been violated according to the letter from RevMD Partners providing a list of unverified medical service fees provided via US mail on XX/XX/2022 RevMD Partners do not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. RevMD Partners reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.
Product: Credit card or prepaid card

On XXXX, there was a fraudulent charge by " XXXX '' placed on my Capital One Quicksilver credit card in the amount of {$140.00}. I have informed Capital One that this charge is fraudulent and have evidence showing so. Capital One has refused to remove this fraudulent charge from my credit card. 

Importantly, according to FTC Law, Capital one must provide me with documentation and proof that this charge is valid if I ask for it and also provide me the details of their investigation. According to FTC Law : " If the issuer determines that you owe the disputed amount, they must tell you promptly and in writing how much you owe and why, and provide copies of documents that prove you owe the money if requested. '' The preceding statement is from the FTC.

I would like Capital One to provide me with this documentation, which is required if I ask for it according to FTC Law. To be clear and underline this point further - the only thing Capital One should provide in their response is the proof and evidence that I made this charge, that it is valid and warranted, which they are required by law to provide if requested. If Capital One feels they have provided this evidence already ( they haven't ), then re-attach it in their response. Capital One is violating the law if they do not provide the proof of this charge, and that I made it, that I am requesting. This clear request is in a written and recorded format here. Once again - provide the documentation and evidence that proves that this charge is valid and factual.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction with TransUnion 's handling of my recent dispute. On XX/XX/2023, I diligently mailed a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX ). In this letter, I requested a thorough investigation into several inaccurate items on my credit report, including accounts with XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a bankruptcy listing. 

Additionally, I raised concerns about incorrect addresses listed on my credit report. To aid in the verification process, I attached a copy of my photo ID, social security card, and a recent bill displaying my current address, ensuring transparency in confirming my identity and residence. 

Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ), I received a response from TransUnion dated XX/XX/2023, stating, We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response raises significant concerns, as it suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute. According to the FCRA, when a consumer disputes the completeness or accuracy of any information, the credit bureau is obligated to conduct a reasonable reinvestigation to determine the accuracy of the disputed items. It appears that TransUnion has not fulfilled this obligation.
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint regarding the Consumer Reporting company CORELogic. 

In XXXX of 2021, I sent in a request to CORELogic requesting a copy of my consumer report. With this request, I submitted a copy of my Drivers License and social security card to verify my identity, although the form does not request it. Approximately two weeks later XXXX XX/XX/2021 XXXX, I received a letter from this company saying they could not fulfill my request, as they could not verify my address, and that I needed to send in a copy of my utility bill, or bank statements with my address. I then called the number listed on the letter to speak with an agent, who I informed that I did not have a utility bill at that address, nor did I receive bank statements at that address. The agent then informed me that without these documents, my request would not be fulfilled. I attempted to make other phone calls to speak with a supervisor, but those attempts were also fruitless. 
On XX/XX/2021, I sent a second request by certified mail, which is attached to this complaint. In this request, I detailed how CORELogic was violating the FCRA, as their refusal to accept my documentation was effectively preventing me from receiving a copy of my consumer report, and I had good reason to believe that the information reported by their agency was fraudulent, or inaccurate. Moreover, the form printed from their website also uses wording that suggests that submission of certain identifying information, such as my bank statements, were voluntary, not required. I also requested they fulfill my request by U.S mail, NOT EMAIL for security reasons. On this day, I also sent a copy of a request to place a security freeze to protect myself as I waited for them to respond to my request. I also had both copies of the aforementioned documents notarized, and sent a copy of my Insurance Declaration page from my auto insurance. To date, I have yet to receive a response to this request.
Product: Mortgage

My Loan # XXXX This complaint is an additional to complaint filed XX/XX/XXXX and has relevant documentation of mortgage and escrow payments to PennyMac, please add and accept.

There are 3 files uploaded from my bank-XXXX XXXX XXXX XXXX, to show how much, when, and what date payment were made to PennyMac for a 16 months ( XX/XX/XXXX until XX/XX/XXXX ) until mortgage loan closing. 
My PennyMac mortgage payments were {$1100.00} from origination date ( XXXX ) until XX/XX/XXXX. However, my mortgage was reduced to {$1100.00} due to an ESCROW SURPLUS and I began making payments of {$1100.00} beginning XX/XX/XXXX. 
Payment BREAKDOWN ( $ XXXXPrincipal+ {$370.00} Escrow ) = {$1100.00}. 
All payments were made on time from XXXX to XX/XX/XXXX. Then I applied for a COVID-19 HUD forbearance for XXXX XXXX XXXX, however I continued to pay my escrow of {$370.00}. 
After an escrow analysis in XX/XX/XXXX, I resumed my mortgage payments with as set by PennyMac, with an increased total payment of {$1100.00} until XX/XX/XXXX closing. 
I have NEVER failed to make escrow payment during any month since PennyMac mortgage origination date of XXXX and have attached financial documentation. 
PennyMac has continued to falsely state this about me to you in their response, which stated my mortgage escrow had over a $ XXXX {$4000.00} shortage.