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

I have been a victim of identity theft and my credit has suffered tremendously due to it. I am trying to purchase a home this year and this has taken a huge toll on me and my family. We have a tough time getting approved for the most basic things due to this and we are just tired of it. We have tried to notify the credit bureaus to no avail and would like to see if you can help. Please help me in this matter thank you.
Product: Student loan

The servicer is Navient for my student personal loans. I have had these loans for many years, I graduated from college in XX/XX/2007. I have had a difficult time with repaying. I have been able to put my loans in forbearance and deferment. I did know that interest would keep accumulating ... but I had no choice at the time. They did not offer a lower payment or lower payment options ONLY forbearance and deferment. Only last year finally did they tell me about something similar to income based repayment and I was put on that program which really helped. I tried to apply again this year and they said I did not get approved. My financial situation has not changed at all. It is all exactly the same as last year. The amount of interest that has accued on these accounts is disgusting and is why my payments are so high. They will not do anything to help now in any way.
Product: Debt collection

Iam filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite, my efforts to resolve this directly with the reporting agency. It remains unresolved. I request immediate investigation and removal of this item. As it incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear AMERICAN EXPRESS , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account NumberXXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws.

If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Product: Mortgage

Freedom Mortgage has been swindling from my escrow account for over 3 months, Im a XXXX  and total XXXX  veteran. This is not the first case of this company doing this.
Product: Debt collection

Covington credit continuously mailing, calling, and emailing invoices for past due payments on a closed account
Product: Debt collection

I didn't want to continue paying NDR, for their doubtful work.
Product: Checking or savings account

There was fraudulent activity on my fathers bank account for XXXX and they closed the account & he never received the money back, I Became my fathers POA XX/XX/XXXX, he was dying of XXXX XXXX, he asked me to look into his account there & find out about the {$2900.00}, he also had CDs, A Savings account I went to the branch several times filled out paperwork, received a letter my POA was approved went back to the branch several times, called customer service never got any help. I put a complaint in & Even from Capitol One complaint dept & told me this should have never happened. He had me call another number. My father passed away on XX/XX/XXXX, for the first time I got any info was on XX/XX/XXXX from a XXXX saying I couldnt get info because I was not POA when his account was opened & I could have called with him or went to the bank when he was alive & got all the answers. Thats was over a month that he passed away. I would like to know where my fathers money is. I have all dated paperwork proving they should have gave me his information and I could have gotten his money back. It feels like Capitol One stole from a dying man.
Product: Credit reporting, credit repair services, or other personal consumer reports

This enrty below was submitted thru your portal and the sent to Experian, I called them and they said they never recieved it. We both Know this a stall tactic or lie. I expect you to hold the accountable for violating my rights and now have the information removed since they did not comply with my reqest. 

XXXX XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2022 Open Company response is in progress as of XX/XX/2022 The never did anythong and said they never ecieved this. 

I am resending a new request but want this file deleted for non complincy with in the 30 day period
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting.. XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting

Unable to retrieve my free credit report as I believe I have been a victim of Identity Theft, since the security questions I was asked did not correspond to my life.
Product: Credit reporting

On XXXX/XXXX/XXXX I received an alert from XXXX advising that my information was being sold on the blackmarket. I also received notification of inquiries being made on my XXXX and Equifax reports. XXXX quickly added a Fraud alert and advised that they would notify the other credit reporting agencies and research the inquiry. They removed the inquiry within 2 days. I contacted Equifax and disputed the credit inquiry ( XXXX XXXX ) on that report. On XXXX XXXX, XXXX I received a letter from Equifax stating " The results are : Inquiries are a factual record of file access ''. 
In summary : I DO NOT believe Equifax investigated the inquiry on my credit report. I believe that I received a blanket response. I do not know or understand what my recourse is here. Equifax continues to allow inquiries of my credit information with out my consent. There have been several inquiries over the last six months. Also, I am attaching their response. On page XXXX ( Research Request form ) ... the address portion of the form is pre filled and has a previous address of : XXXX , TX XXXX. I have neither lived there, nor have any knowledge of that address.
Product: Money transfer, virtual currency, or money service

This complaint is like many others. Due to my account not getting verified I cant move it or withdraw it. Emails go unanswered and phone calls reach no one. They also advertise 2-5 days, but thats simply not true. This complaint is like many others. Due to my account not getting verified I cant move it or withdraw it. Emails go unanswered and phone calls reach no one.
Product: Debt or credit management

True Accord/ XXXX XXXX XXXX started to reach out via telephone in 2024. I spoke with representative XXXX XXXX and notified the representative that I was unaware of this debt and to please send me documentation to my current address to verify my debt as this debt is unknowning to me. After requesting a debt validation the calls decreased and currently True Accord XXXX XXXX XXXX are sending me numerous emails through out the day.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX on XX/XX/XXXX last year and signed a loan agreement. However, I had a rear-end collision on XX/XX/XXXX this year and I was not responsible. In XXXX, the repairman told me that I needed to scrap the car. Yesterday, the insurance officer told me that my compensation had already paid for my car loan. I leased the car so I can not get my compensation. I find it hard to understand.
Product: Credit reporting or other personal consumer reports

Equifax has not provided me with physical copies as I had requested for XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH,XXXX  I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addressesXXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX OH, XXXX XXXX  XXXX   XXXX XXXX OH, XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX OH, XXXX,
Product: Mortgage

his is a request for intervention due to a wrongful foreclosure initiated on the first Tuesday of XXXX 2016 by HSBC Mortgage Services Inc. at the XXXX XXXX court house steps with said property XXXX Georgia XXXX. Previous to this wrongful foreclosure action on the subject property, I was assigned to XXXX XXXX, Housing Counselor with Home Safe Georgia to negotiate a loan modification or principal reduction with HSBC Mortgage Services , Inc. He requested the following information to complete the modification application : Profit and Loss Statement ; Recent 2 Months of Personal Bank Statements ; Tax Transcripts for Personal and Business for XXXX ; During this period, I truly believed that I was under HAMP review and HSBC Mortgage Services never sent me any denial notice for my HAMP prior to the wrongful foreclosure against the subject property. HSBC Mortgage Services Inc. failed to adhere to the Single Point of Contact policy in order to find out the time frame in evaluating a HAMP Loan Modification application. Moreover, I was assured by Home Safe Georgia that they have contacts at many of the banks in order to execute an amenable mortgage workout. I have attached Home Safe Georgia email communication to me for your review. HSBC violated CFPB rules against dual tracking, initiating foreclosure while negotiating a loan modification. 
Sincerely, XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to XXXX  and Experian a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX and informed them that I was being XXXX. This account should have been cancelled and not be reporting an outstanding balance due. Pursuant to the Servicemembers Civil Relief ACT ( S.C.R.A. ) - Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider. 
I was XXXX for several months and upon returning I had moved and no services were provided in my new location. 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 remove this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Bank account or service

On XX/XX/2016 I went into Wells Fargo branch : XXXX XXXX XXXX, XXXX, CA XXXX as my bank transfers show on XX/XX/2016 I transferred from savings into checking {$1100.00}, plus {$35.00} to cover the wire transfer. The total amount of {$1100.00} was available in my checking account. Wells Fargo has NO EXCUSES that moment in front of the banker XXXX XXXX who did the transfer herself ALL ENTIRE AMOUNT OF {$1100.00} was deducted from my checking and was applied to the wire of {$1100.00}. 
On XX/XX/2016 Wells Fargo posted the transfer of {$1100.00} and on XX/XX/2016 charged me {$35.00} overdraft fee. There is no reason for the overdraft fee. This is discriminatory, reckless and criminal. This needs to stop I 'm in entitled to have a checking account like everyone else. There is no reason to be singled out and charge fees for items that I 've already paid. I 'm not going to pay for items two or three times because somebody has a problem and they ca n't get over it and let me have a checking account like everyone else. This interference needs to stop this is unethical period and criminal. Wells Fargo employees are behaving unethically, unprofessionally and frankly this is criminal.
Product: Debt collection

Formal Complaint Regarding Harassment, Bullying, and Violations of Consumer Rights by Triton Recovery Group Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Triton Recovery Group, a collection agency that has engaged in repeated harassment and threatening behavior despite my requests for them to cease contact. On XX/XX/year>, at approximately XXXX XXXX, they called my work line at XXXX repeatedly from XXXX after I had already requested that they place me on their do-not-call list. Their aggressive tactics and bullying tone have left me feeling harassed and intimidated. 

A representative named XXXX was particularly egregious in his behavior. He repeatedly stated that Triton Recovery Group does not fall under CFPB guidelines and that they can call and act however they please. He even went as far as to insult me, calling me ignorant for suggesting that their conduct was inappropriate and a violation of consumer protection laws. His statements and the agencys continued behavior make me concerned that they are operating outside the law in their attempts to collect what is, at this point, an unverifiable debt. 

I believe this company 's actions are in direct violation of consumer laws regarding debt collection practices. Their tactics include harassment, failure to respect my request for no further contact, and making threats to coerce payment. These actions go beyond standard collection efforts and cross into unlawful harassment. 
I respectfully request that the CFPB investigate Triton Recovery Groups practices, as they are using aggressive, threatening, and unlawful methods to intimidate consumers. Their disregard for consumer protection laws and refusal to acknowledge basic rights must be addressed to protect others from their bullying tactics. 

Thank you for your time and attention to this matter. I hope that action will be taken to hold this agency accountable for their violations.
Product: Credit reporting

I have been disputing XXXX accounts listed in collections on my credit report that do not belong to me. The DOB and SSN do not add up on XXXX of them since they belong to my father ( we share first name ) and the fourth account has my brother 's name on it which is nowhere close to my name and different DOB. It 's been almost five months and I managed to get the other XXXX bureaus to remove the information but after a lot of correspondence and frustration I managed to only get XXXX out of XXXX accounts cleared with Transunion. I have contacted the collections agency in writing who in turn verified that the information from their client does n't match the accounts in question but Transunion has repeatedly failed to remove it citing a dispute was never listed on more than one occasion contradictory to my call documentation. At this time it 's been disputed now for the third time and I 've even filed a complaint with the XXXX but this has damaged my credit history and hindered my ability to get my vehicle refinanced. I only discovered something was wrong because my wife worked in the collections industry and suspected something was wrong when she saw the FICO score drop by a large amount last year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this letter finds you well. I am writing to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and to share with you the profound impact that recent violations have had on my life. 

In recent months, I have encountered egregious violations of the FCRA by several creditors, which have taken a significant toll on my financial well-being and emotional state. Below, I outline these violations and provide a deeply personal account of how they have affected me : 1. XXXX XXXX XXXX ( Account number : XX/XX/XXXX ) - Unauthorized Credit Inquiry : Violation : It is evident that my authorization was not obtained for this credit inquiry. 
2. XXXX XXXX ( Account number : XX/XX/XXXX ) - Unauthorized Credit Inquiry : Violation : I did not authorize this credit inquiry, leading to a breach of my privacy and potential harm to my creditworthiness. 
3. XXXX ( Account number : XXXX ) - Inaccurate Reporting : Violation : I have no affiliation with the business associated with this account and believe it was inaccurately reported on my credit report, causing distress and uncertainty. 
4. XXXX XXXX XXXX ( Account number : XXXX ) - Inaccurate Reporting : Violation : The account details are vague and questionable. This inaccuracy has created confusion and frustration, affecting my peace of mind. 
These violations have left me in a state of anxiety and uncertainty, impacting my ability to secure loans, housing, and employment opportunities. The emotional distress I have experienced can not be overstated, as I have felt helpless and overwhelmed by the damage inflicted on my financial reputation. 

I kindly request that the CFPB intervene and take appropriate actions to ensure the enforcement of my legal rights under the FCRA. Specifically, I urge you to investigate these violations thoroughly and expedite the removal of these unverified and unauthorized accounts from my credit report. 

I understand the critical role that the CFPB plays in safeguarding consumers like me against unfair and unlawful practices. I am relying on your expertise and dedication to justice to rectify these violations promptly and help me regain my financial stability and peace of mind. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please do not hesitate to reach out to me if you require any additional information or documentation to proceed with this dispute. 

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

I am submitting this formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate addresses from my credit report. As a consumer, I have the legal right under 15 U.S. Code 1681i to dispute and have inaccurate, incomplete, or unverifiable information removed from my credit file.

The inaccurate addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have formally disputed the incorrect addresses with Experian and provided supporting documentation verifying my correct and current address. Despite my request, the bureau has failed to correct or remove these inaccuracies within the 30 day timeframe required by the FCRA. Their failure to take corrective action is a direct violation of my rights and is causing undue harm to my credit profile. 

I request the CFPBs immediate intervention to enforce compliance with federal law and ensure that these incorrect addresses are permanently removed from my credit report. I also ask that the credit bureau be held accountable for their failure to uphold consumer protection regulations.
Product: Credit reporting or other personal consumer reports

WESTVIEW FINANCIAL SERVICES reported an inquiry on my consumer report without fully disclosing to me upon my initial contact with the company. They also failed to provide me with the option to opt out of my information being shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I submitted a dispute with XXXX XXXX credit card regarding three late payments. In XXXX of XXXX, I began the process of homeownership and I was informed by my bank that I needed to remove my disputes. I contacted the credit bureaus on XX/XX/XXXX to have the dispute removed and it was removed but subsequently placed back on my credit report. I contacted the credit bureaus again on XX/XX/XXXX and the disputes were removed and appeared again. I contacted the credit bureaus on XX/XX/XXXX and they were removed and reappeared again. On XX/XX/XXXX, I contacted Equifax specifically and I was told that I needed to contact XXXX XXXX because they are the once that are reporting this dispute to them. I called XXXX XXXX and I was told that there is nothing that I can do, I have to wait for them to respond to my request to have the disputes removed that I submitted on XX/XX/XXXX. I asked the outcome of my dispute removal request on XX/XX/XXXX and they did not have an answer to give me. 
I believe that XXXX XXXX is behaving in a manner to punish consumers that dispute negatively reported items. I also believe that XXXX XXXX is in violation of protections offered to consumers by continuing to report this information as being in dispute that I have asked to be removed four months ago.
Product: Checking or savings account

I was originally a customer of Simple Bank which announced that they were going to shut down in XX/XX/2021. During my entire relationship with Simple I specifically had my accounts set to NOT allow overdraft fees. This means that any attempts to overdraw my account were automatically rejected. As part of the shutdown of Simple, accounts were transferred to BBVA with the assurance that account features would be maintained, and it would be " business as usual. '' Shortly after my account was moved to BBVA, BBVA was sold to PNC. Throughout this time, due to account number changes automatic payments were attempted, but rejected from these bank accounts. While PNC did not pay these businesses that were trying to pull money from my account they started charging me fees, even though they did not have permission to do so. This resulted in the charge of {$180.00} in fees to my account. 

I attempted to work through several individuals at PNC to resolve this issue, first through their chat function with representative XXXX XXXX, and then eventually with XXXX XXXX in their Executive Client Representative department, but they never attempted to resolve the issue. Each and every time I emailed XXXX I received a " form email '' with the exact same information stating that " I have already begun researching your concerns and will respond to you as expeditiously as possible. '' I contact him numerous times throughout XXXX and XX/XX/2021 with the exact same response and no assistance. Finally I received notice that they had closed my account and then sent my account to collections to have me pay them their fees. Fees that I never agreed to as they transferred my account from bank acquisition to bank acquisition ( Simple, to BBVA, to PNC ). I very calmly and professionally tried to work with PNC to resolve this issue, but they did not attempt to assist me in good faith. Please help.