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

Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the Equifax Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new  ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Plus there are about 1000 soft inquries
Product: Credit reporting, credit repair services, 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, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my reports from the three ( 3 ) bureaus. Each lists a Bankruptcy in the state of Maryland. Experian and XXXX list two ( 2 ) with two ( 2 ) different dates. I disputed the entries and provided a letter from the court and the Opt Out confirmation letter from XXXX. The three ( 3 ) bureaus all replied an investigation was completed and the information was verified. Although requested, none of the bureaus provided the name or contact information of the person who verified the accuracy of the entries. I contacted the Clerk of Court and the letter confirms no one there verifies anything for any of the three ( 3 ) bureaus. XXXX  stated they received their information from XXXX. However, that isn't true because I opted out. All three ( 3 ) bureaus are illegally reporting this information.
Product: Credit card or prepaid card

My capital one venture card that Ive had and used since 2015 was closed suddenly, the reason I was given was due to a one time returned payment that occurred almost 5 years back, ( and made a payment next day that cleared ) Im not sure why they just decided to close my account, but I had accumulated around XXXX points that I would like to have back. 

Please see if I can get back my account, or at the very least the points that I honestly earned.
Product: Mortgage

Good afternoon! 

In XXXX of 2021 due to covid an hardship I was behind in my morgage but i recived my income tax ao I was able to make three payment and put my seld up to date. laiter that year I want to say 2 months latern I noticed that the account was still late a month, i called and the perosn on the phone said that they only had two payments, I told that person that can not be becasue the person who I spoke too when I made the last payment in XXXX told me that I was up to date when I did the three payments that month. so I checked with my two banks and the statements show that all three payments were done. so i called later and told them that the back shows all three payments. they wanteed me too faxx the bank statements which I did but first i kept calling and try to fix the payments and tried to email the bank statements as well and waited for answers which i didnt get. one time durin XXXX or before i did called them and a help agent said that the third payment was put into my escrow, which i didnt authorize to do because I needed to be up to date with my monthly payments, so he told me that he witll grt into it and fix the problem. later those months the account was sold to other norgage companies I remember it being XXXX XXXX XXXX morgage because I talked to them about the situation because it still showed me being late a month and i explained to the person of XXXX  XXXX that amerihome home morgage has to fix the problem with the third payment that was done. as of now XX/XX/XXXX they havent fixed it. the account is now with XXXX XXXX XXXX XXXX XXXX  and still has the same problem of being late for a month due to that payment. I have been waiting for an answer since I did talked, emailed and faxed the bank statements were it shows the thee payments that I did back in XXXX to Amerihome. so I called them today and the lady XXXX said that the three payment swere made and that two of the were to the monthly payments and one to escrow, when she told me this I said that the third one should not have been to escrow it should have been to the monthly payments since I was trying to get up to date and I told her that I haved explained this before. now they tell me that the payment were not acceptable by the bankc. and I said that I have the bank statemnts were it show that the payments have been talking out of my account and not been return at any time. and that I have been calling before to solve this problem that she says that can not fixx. she did give me an option of sending the papers again but this has been taking almost a year and they havent helped me enough. and i have been charged late fees from that time in XXXX up to this date which I should not be because I made my payment to be on time back in XXXX of 2021. 

Thank you for your time and your help The bank is Amerihome morgage their phone number is XXXX and my loan number is XXXX they she also said that they didnt have any records of me contacting them through out this year which is impossible that some one can leave a payment of a XXXX hanging around. so are they erasing their logs. also she said no record of fax
Product: Debt collection

I paid my account to less that XXXX $ by XXXX of 2006. I am currently in XXXX of the first XXXX employments that I have had since, and am only several months into such employment after a severe assault. As a crime victim, I believe I have victim rights to protect me against unfair garnishments and levies. Additionally, the collection agency did not submit due process in writing. The collection agency also has previously harrassed me by telephone. I believe that the collection agencies has conducted illegal searches to find my current financial information. The collection agency is trying to levy $ XXXX to the financial institution directly and, when telephoned, I am being told by the collection agency that the balance is well over {$2500.00} and that that is the amount to be paid unless paid in an unreasonable time frame and in large amounts. And that this is all due to " interest '' ( which I know to be illegal in the state of California, where the debt was incurred and where the collection agency is located ).
Product: Credit card

Concora Credit lists the email address XXXX in its Terms and Conditions, Privacy Policy, and Accessibility Information as a primary means of contact. However, when I attempted to contact them through this email address, my message was rejected with an automated response stating that the group does not accept messages from external senders. 

This has created a significant barrier to resolving a financial dispute and effectively communicating with the company. As a result, I have been unable to address my concerns or receive assistance, which has caused undue stress and financial harm. This inaccessibility is especially problematic for individuals who rely on email as their primary communication method, including those with XXXX, and may violate accessibility and consumer protection laws. 

I request that Concora Credit provide a fully functional and publicly accessible means of communication, as advertised in their policies, to address consumer concerns.
Product: Debt collection

My Name is XXXX XXXX XXXX, with defaulted Student loan, however l am currently making monthly payment under federal government assisted consolidation program unknown to me .l did not realizes that certain portion of my defaulted loans is with this Allied Interstate Debt collecting Agency, this company started garnishing my wages without proper notification thereby causing hardship on me on my family. this Company refused to work with me despite all my efforts with tears on my eyes begging, this Allied interstate to stop making my life and that of my family miserable, l have two son in college and two aged parents with me. 
XXXX is currently handling my student loans with XXXX dollars month please stop this harassment and hardship allied is mounting on me and my family. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 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 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 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing and of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 168s-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

It is unfortunate that this will now be the third complaint against this CRA with the CFPB. Basically, per the CRA credit report several accounts were supposed to have been PURGED as of XXXX 2016. This has already been completed by XXXX, however, TransUnion is confused and naively believes that they have to " verify with the data furnisher ''. Per CFPB complaint XXXX the CRA was supposed to delete XXXX accounts and XXXX collection account per the FCRA- SEVEN YEAR REPORTING EXPIRATION.
Product: Checking or savings account

I kept receiving overdraft fees They would take the money from my direct deposit or I end up being in the negative When I use to call they couldnt tell me where the fees exactly were coming from one day a lady told me something tried taking XXXX {$3.00} $ and I kept getting these XXXX $ return check fees one day I went to check on the account and they closed it after I had been a member for years I ddnt recieve a letter, a email a phone call nothing but they kept my savings account open Navy Federal Bank
Product: Debt collection

the creditor agree to dispute off credit report and still shows on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical collection was added to my account. I never received a bill in regards to this. Also this violates HIPA. I contacted the collection agency and they stated that this would be removed and credit bureaus have failed to remove this.
Product: Student loan

Additional payments being made were applied to future interest payments not the principal. I made a {$460.00} payment on XXXX/XXXX/XXXX and then {$500.00} payment on XXXX/XXXX/XXXX and then {$500.00} on XXXX/XXXX/XXXX ( ive included payment history information for the last six months below ). When this was noticed I called Navient customer service and they said the interest was being applied " all wrong '' and promised to correct the issue and apply the extra payments I made to the principal. They were supposed to have it complete within 10 business days and mail a letter to confirm what action had been taken. No letter was sent. I called back on XXXX/XXXX/XXXX and they are trying to say the extra payments made went to interest because there were 31 days in that month not 30. Then they said that the 13 day lag in the payment ( XX/XX/XXXX payment made on XX/XX/XXXX ) caused an additional {$500.00} dollars in interest to accrue. We are making all the minimum payments and then some, and they are incorrectly applying payments and telling me {$500.00} dollars additional interest accrues in 13 days? I want them to fix the account and apply the additional payments to principle like I asked and like they said they would a month ago. 

Further, it is impossible to get a detailed printout or statement on the account from the website. We can not provide the special instructions on the website to apply extra money to the principal. I am trying to make payments to have this 25 year curse paid off in 5 and save money in interest. They are trying to take advantage of us for doing so and making it so they get the 25 years of interest in the 5 I 'm going to pay this off. 

Looking through the small print, it says in order for this not to happen we have to mail in a check with a letter each month specifying the action to take. How many people are making extra payments not knowing they are just paying Navient 's interest ahead of time instead of principal. This practice is stealing money from people. 



Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - {$150.00} - {$300.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$270.00} - {$190.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$330.00} - {$160.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$96.00} - {$370.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX9 I disputed an account in my credit report with XXXX   XXXX  with a factual error from my credit report came back verified . The reason of my complaint is to challenge this outcome under the section 611 of FCRA I demand the method of verification or deletion of this account .
Product: Credit card or prepaid card

Credit card account Barclays open over 29 years ago. Excellent payment history. Attempted to make a payment in XX/XX/2020 for XX/XX/2020, using online service. Could not access account, it did not show up anywhere under my name, made numerous phone calls but could not speak with anyone in person and still can not. Recorded message says to access account and send message there. Had to go to another account with same company to get in touch at all. Sent message stating that account was not showing up, kept trying to call, to no avail. Mailed letter, no response. Stopped receiving any statements in any form as of XX/XX/2020. Checked with credit reporting agencies and it showed account closed by grantor, no explanation. Continued since XX/XX/2020 to send messages through the secure messaging. Finally on XX/XX/2020 I received a letter from a collection agency stating the account had be3n placed with them, so on, no balance shown or dates etc. Then going back found one response stating that it was included in a bankruptcy. And notations had been made on the account and I could not use or access information on the account. Had no way to get in touch about this. First and foremost I have never filed bankruptcy, and I am sole owner of the account. My wife filed for Chapter XXXX in XXXX of this year but she was absolutely not an owner, just an authorized user. She has verified this was not listed in her bankruptcy and her lawyer agrees. As of now, this is showing past due on my credit report, turned over to collections and I have tried at least 30 times to get access so that I could make my on time payments as I had always done. There will be another complaint against the collection agency, with an additional major complaint concerning discussion of this matter in great length with a third party without my permission. I have left messages for the collection agency and their Customer Support Unit, since XX/XX/2020 and they will not respond. My messages only asked that they call me ASAP.
Product: Credit card

I settled both of my Capital One accounts with the law firms handling the debt. I have disputed the balance multiple items on my credit report to show updated as paid in full and Capital One is refusing to update it which is causing my credit score to remain really low. They ca n't do this and it needs to be removed from my credit report now since they are reporting inaccurate information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate
Product: Credit reporting or other personal consumer reports

I have never been late or missed a payment on the US Department of Education account listed on my report between XX/XX/XXXX and XX/XX/XXXX, as I was in a financial hardship forbearance during that period. Please provide documentation that shows any late payments to support the inaccurate reporting on my account. If you are unable to provide this evidence, kindly remove these alleged late payments from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Debt collection

After stating this account was not fraud and was at FCRA standard Transunion was asked to validate this account with a purchase agreement and a signed cardholder agreement. Neither of these items were presented. Instead XXXX sent an empty cardholder agreement with no signature and no proof of debt validation. This has been a recurring issue at Transunion as they have already been flagged for reporting inaccurate and fraud accounts without any FCRA verification. This account was flagged as fraud and overlooked just as the others have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital System XXXX XXXX {$2300.00} Shows this account was opened in XXXX of XXXX  and that is incorrect this account is old and dated back to XXXX. The amount is also incorrect. I have disputed this with XXXX as well as Jefferson Capital and no action is being taken. This should no longer be on my credit account. I at XXXX point got a response that information was correct I has submitted but was never removed from my credit report. 

XXXX XXXX XXXX Bank XXXX {$460.00} This account also has in correct dates and is too old to be on my account I have filed several disputes with nothing being done nor even a response.
Product: Credit reporting or other personal consumer reports

I am very upset that I see these unauthorized inquiries on my credit report they need to removed immediately so I can buy a home. I thought my information was being protected by the Fair Credit Reporting Act consumer law. This is a defamation of character and is causing emotional stress because I take my credit report serious. Please remove these inquires off my report please. I have attached the FTC report as well! 

XXXX XX/XX/XXXX XX/XX/year>2024 XXXX OF XXXX XXXX/XXXX/2024 XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX/XXXX/2024
Product: Money transfer, virtual currency, or money service

We are a XXXX XXXX XXXX XXXX. Paypal has locked our account and we have submitted documents proving who we are. They are asking a ridiculous amount of information about the products we have for sale ( XXXX ) and request invoices. We have these in our inventory over the last 5 years in some cases and submitting the required information is next to impossible for us. Some of our inventory was by donation, we don't have invoice records for. 

At the current time they are withholding our funds from withdrawal. 

To the best of our knowledge Paypal did this without any consumer complaints against us.
Product: Debt collection

I am writing to dispute the accuracy of information listed on my credit report related to an account with account number XXXX, which is reported by LVNV Funding LLC. I am invoking my rights under the Fair Credit Reporting Act ( 15 USC 1681 i7 ) to request verification of this account.

I have no record or recollection of entering into any contractual agreement with LVNV Funding LLC, nor have I authorized them to report information related to this account on my credit report. Therefore, I am requesting detailed verification of this account, including any documentation that establishes the validity of the debt being reported under my name. 

I urge you to conduct a thorough investigation into this matter and provide me with the required verification within the specified timeframe. It is crucial that my credit report accurately reflects my credit history and any errors or inaccuracies are promptly addressed. 

Thank you for your attention to this matter. I look forward to receiving the verification requested. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I don't know about this situation, and the company took action without my authorization.