23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. XXXX XXXX  opened XX/XX/XXXX under the account number XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. 
According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . 
They also violated 15 USC 1681i ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft! 
Someone opened account in my name fraudulently! 
Account must be removed from credit Report immediately!
Product: Debt collection

Amsher Collections Services contacted me several times about a debt that was owed. I explained to them that i would need more time. Several weeks has passed and the same collection agency contacted my Job to collect the same date. After i explained to the agent that this was not right, agent continued to call days after. The acount was open on XX/XX/2017 2017
Product: Checking or savings account

XX/XX/2022 at around approximately XXXX XXXX  time I sent yet another complaint about bad service. The response I got was that there were XXXX payments that were being held for suspicion of fraud. When I called the number I was told someone had tried to call me on this. I said that is untrue because I have made multiple calls for the past 5 days. When I told her I was going to record this so I'd have proof she hung up on me. This was on the same day between XXXX. Before that she said the accounts were suspicious because it was a new account, then when I told her it was a billpay that I had made before with the same payee but in a different amount she then said it was because of the name. Well, we pay from one account, but the the mortgage is in another name. I asked is there somewhere in the records they can note this so it doesn't happen every single month. She wouldn't answer and kept saying fraud protection and suspicious. I could never get her to note this on the account. This transaction took XXXX minutes and XXXX seconds. I've had XXXX calls of this same nature. I can't keep doing this for every single payee, every single month. I can't get anyone to work with me to make this a smooth transition. With XXXX XXXX you could change the name that you were sending it in so you don't have this issue, but Chase doesn't have this option.
Product: Debt collection

I had previously spoken to company about a payment, informed them that I was going to have to make the payment late due to pay cycle. Asked not to contact me. Contacted me next day, first day of late payment, told them to cease comm. supervisor assured me of cease com status and that no more calls would be made. 5 months later started receiving 3 calls daily about late payment. answered on third day. In call supervisor informed me that account was in fact notated to not call. 

Do not know how my acct would show up if account is notated with no call notice. 

No cease comm letter was formally written to company, but no respect to consumers wishes were taken after verbal verification of cease comm either.
Product: Mortgage

We applied to refinance our home with Wells Fargo. The current loan has been with Wells for XXXX years. 

The Application was submitted XX/XX/XXXX. 

On XX/XX/XXXX we were notified that we were not approved. No specific details as to why. And no response from Wells. 

The Mortgage amount was $ XXXX. Home appraised at $ XXXX. We have $ XXXX in cash accounts and 2 rental homes with $ XXXX equity in them. 

Because Wells took so long to respond to us we didn't have the opportunity to pursue a loan with another lender missing out on low interest rates. 

We are asking that Wells provide details as to why we were denied, and if we can address the issues, honor their original interest rate. 

Thanks, XXXX XXXX
Product: Credit reporting

Trans union asked for the account # for the debt I paid, and then we got disconnected. I called back as I had found it not even 3 minutes later and an automated voice told me I was being investigated, so I could not speak to any one. The trans union worker on the phone wanted the account # of the account I paid. It is account # is XXXX and the amount paid was {$140.00}, with XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2024, Financial Recovery Services contacted me requesting payment for a lab services done by XXXX XXXX. The collector could not provide information on type of service, how I received the services, or how I became obligated for services I am unaware that I have received. I was told that if I did not pay by credit card immediately and wanted to receive any documentation I would be assessed a large collection fee. Subsequent to the call, I reviewed my calendar, EOB 's and lab results on my various medical providers. I was not able to find any reference to services from XXXX XXXX. I called Financial Recovery back on XX/XX/2024 and relayed the above information and again I was told if I wanted information, I was going to incur additional charges. I told the representative I was not going to pay anything without some evidence I got services I owed and instructed her to send me the bill. I am XXXX XXXX XXXX and paid each and every debt I incurred. I was refused a mailing address for Financial and XXXX. I PAY MY DEBTS!!!!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my XXXX XXXXXXXX was stolen from a gym and I checked my bank account later that day to notice an unauthorized transaction from Cash App in the amount of {$620.00}. I have filed a police report and raised my concern to cash app but they are being uncooperative. I have requested documentation of their evidence and I am not receiving any communication from cash app. They are refusing to help. The money that was taken from my XXXX XXXX XXXXXXXX account was going to be used for rent and now I am at risk of eviction! If this matter is not resolved I will have no choice but to pursue legal action including a lawsuit against cash app for failing to refund an unauthorized transaction
Product: Credit reporting or other personal consumer reports

XXXX credit bureau continues to and/or refuses to : XXXX ) update incorrect information related to personal information of my name. I have made attempts to have them update my legal name listed on my BC, SSN and DL but they continue to use my former name and also use my daughter 's name as AKA which her name is spelled different with a different middle initial as well. XXXX ) XXXX is making use of improper use of my report with credit inquiries from unknown sources that I do not recognize nor has applied for during months inquiries were reported. XXXX ) XXXX has refused to honor a dispute regarding a debt collection agency who reported a Medical bill thereby violating my HIPPA rights and with Company refusing to submit proof of debt and/or medical billXXXX XXXX XXXX XXXX  XXXX at which I contacted and requested but never received ). Rather than remove dispute, XXXX failed to properly remove the debt collector due to my Fair Credit reporting rights and company 's violation of my HIPPA rights XXXX ) XXXX  information if far outdated with inaccuracies and does not reflect similar reporting information and XXXX  score as my XXXX and XXXX.
Product: Money transfers

I have linked an external bank account with my Capital One account. During that process I had to verify the external account through Capital One by trial deposit, which was successful, I also made a few transfers with no delay. On XXXX I initiated a transfer of {$1000.00} from Capital One to the external account. I received a confirmation that it would be completed by XXXX. Shortly after I received a call and an email from Capital One regarding the transfer. The email informed that my external transfer had been suspended. I immediately called Capital One to rectify the issue. I spoke with an agent that told me there was no longer a suspension on the account and the funds would be available to me on XXXX. On this date the funds were not available and I called them back. At this time I was informed the funds would be available to me on XXXX. This also did not happen. I called again and was told that everything was fine. Later I was told that the transfer had been reversed. I called again and spoke with an agent and a supervisor asking why the transfer wasnt processed and was told, I hadnt called in time for the fraud dpt to verify the account. By this time I had called at least 4 times. I asked the supervisor if he would be able to expedite the transfer because at this time I was receiving bounce check fees from the other bank. He told me he couldnt and I would have to reschedule the transfer. What he hadnt told me was that Capital One had removed my external accounts from my profile which made it impossible to schedule a transfer. During the call in which I spoke with a manager I asked to have a letter written on my behalf from Capital One explaining this was a bank error and that they refund me the fees I was charged from the external account. He told me he would have to escalate the situation and upon review of the previous recorded calls they would make a determination. I received a call from their escalations team in which I was told there would be no refund or letter. I asked the agent if the previous calls were pulled and taken into consideration before the decision. She informed me the decision was made based on agent notes and the calls were not pulled. I have made every possible attempt to have this transfer processed in the timeframe the bank promised. I have called almost every day of the week of this transfer to rectify and was not told until after the date the bank promised that there was still an ongoing issue. I called specifically requesting to speak with the fraud dpt and was assured that there was no need to do so. Capital One has failed to provide a reasonable explanation as to why their agents were unable to identify that there was an ongoing issue or that the external accounts were removed from my profile when a supervisor instructed me to reschedule the transfer. This has caused me undue stress, aggravation, time spent trying to resolve and now my financial reputation is being tarnished at my new financial institution with no offer for correction on my behalf from Capital One as they have dropped the ball and expect me to pick up the fees and unwanted negative standing with my new bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reprise XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX of this year, I sent a Cease and Desist letter to Navient to cease communication with me regarding my private loan and to also cease collections efforts for my private student loan. I did receive a response from them stating that they would temporarily cease collection efforts, yet I continue to be billed. I again took out my private student loan from XXXX XXXX XXXX Bank in XXXX in the amount of {$10000.00}, which exceeded the amount of my tuition and the funds were sent directly to me. According to your press release bulletin on unfair billing practices as well as several recent court rulings, my type of private loan is in fact dischargeable and no longer requires any payment. Navient continues to bill for payment and refuse to acknowledge my XXXX XXXX discharge order dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX notified me that Creditor Discount and Aud XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX placed XXXX items on my credit report. 

I have only one active credit card and have no credit card debt. 

I have received no correspondence from them and don't know who they are. 

Please have them remove these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

SMALL BUSINESS ADMINISTRATION GAVE UNKNOWN PERSON PERSONAL INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION AND COMMITTED FRAUD BY THE UNKNOWN PERSON GETTING A GOVERNMENT SBA LOAN IN MY NAME. WEIRD THING IS, THERE IS NO SBA LOAN LISTED, JUST THE CREDIT INQUIRY TO OBTAIN MONEY VIA APPLICATION. THIS WAS DISCOVERED IN CREDIT REPORTING COMPANY - EXPERIAN AND HAPPENED XX/XX/2020 FROM A " HARD INQUIRY '' FROM THE CREDIT COMPANY ITSELF. i HAVE AND WILL CONTINUE TO REPORT THIS FRAUD TO ALL ENTITIES THAT REGULATE AND PROSECUTE
Product: Mortgage

I paid off my mortgage to Dovenmuehle on XX/XX/XXXX. They recorded receipt of the payoff on XX/XX/XXXX. There is a {$7700.00} overpayment that was applied to escrow. As of XX/XX/XXXX I have still not received a check. I have called them at least 12 times over this time period and have been advised a check was coming either right away or after a prolonged delay. The person and story is different each time and every call takes over 30 minutes on hold to talk to someone. Most calls last 2 hours. It's almost 4 months and no check.
Product: Student loan

I have been paying extra into my Nelnet student loan and interest is being taken out of the extra payments. These payments are paid after I pay my regular monthly payments. In one instance, I paid XXXX extra and XXXX dollars were put to interest. Another instance, I paid XXXX and XXXX dollars went to interest. I am trying to pay off the loan quickly but the servicer is XXXX  majority of those extra payments to interest. Both in XXXX.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2023, I fell victim to XXXX multi-layered scam operations run XXXX  which involved me making deposits for a total amount of XXXX USD from my JP Morgan Chase Bank account to fraudulent investment firm ( XXXX ).
Product: Mortgage

The loan I am trying to assume is a VA loan. They are telling me the process takes XXXX months long. They are not communicating on my application which was completed over a week ago. It appears they are trying to disenfranchise me from being interested in assuming the loan, which is my Veteran earned benefit. The loan assumption is a loan modification and should be completed in 45 days or less. Why can I initiated a new loan and be closed in XXXX weeks. Because a retail loan is at 7 % + and not at 3 %, which is what I'm assuming.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX BANK Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The following company UPgrade INC has listed there name on my Credit reports with XXXX, XXXX, and XXXX Acct # XXXX as a line of credit with a balance of {$19000.00} written off as a bad debt. I have tried to resolve this matter amicably with this company. I did not open this account, upon reaching out to XXXX I was told this account was sold to another company. However, XXXX is the name listed on my credit reports. I have file FTC theft report and Police report and sent to all XXXX credit reporting agencies. Who then forward to the company. The information upgrade has does not represent me at all such as, address, phone, email etc. I am reaching out to CFPB to help resolve this matter.
Product: Debt collection

I am responding to Plaza Services recent communication regarding the two disputed accounts on my credit report. The information provided by Plaza Services remains inconsistent with what is being reported by XXXX and XXXX, and it fails to meet the legal standards of proper verification under the Fair Credit Reporting Act ( FCRA ). 

Key Issues with Plaza Services Response : 1. Inconsistent Reporting Across Credit Bureaus : The information Plaza Services claims to have verified does not match the data currently reported by XXXX and XXXX. Under 15 U.S.C. 1681e ( b ), furnishers are required to ensure maximum possible accuracy when reporting information. These discrepancies prove the accounts are unverifiable and must be removed immediately.

2. Failure to Provide Adequate Proof of Verification : While Plaza Services submitted electronically signed documents as supposed evidence, these documents are insufficient. They do not align with what is being reported on my credit files and do not adequately prove that I authorized the accounts. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Plaza Services and the credit reporting agencies are required to conduct a reasonable investigation. This standard has not been met.

3. Fraudulent Nature of the Accounts : I have provided an FTC Identity Theft Report, which documents my claim of fraud and supports my dispute. These accounts appear to have been created without my authorization, and their continued reporting violates 15 U.S.C. 1681c-2, which mandates that fraudulent accounts must be blocked and removed from credit files upon notification of identity theft.

4. No Requirement for a Police Report : While Plaza Services has requested additional documentation, such as a police report, the FCRA does not require a police report for the removal of fraudulent accounts. My FTC Identity Theft Report is sufficient to demonstrate that these accounts are fraudulent and must be removed immediately.

Formal Request : 1. Immediate Deletion : I demand that Plaza Services instruct XXXX and XXXX to immediately delete the following accounts : XXXX : {$2900.00} XXXX : {$1300.00} 2. Provide Proof of Verification : If Plaza Services insists these accounts are valid, provide detailed documentation that includes : Evidence of my consent to open these accounts. 
A thorough explanation of the methods used to verify the accounts. 
XXXX. Compliance with FCRA : Plaza Services must comply with its obligations under the FCRA to ensure accurate and verifiable reporting. 

Legal Notice : If these accounts are not removed promptly, I will escalate this matter through legal channels. Under 15 U.S.C. 1681n, I may pursue statutory damages of {$1000.00} per violation, as well as actual and punitive damages for willful non-compliance. 

This is your final notice to resolve this matter amicably. Please confirm the removal of these accounts and provide proof of your actions within 15 days. 

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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiries were not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Mortgage

I submitted a complaint  ( Case nu mber :  XXXX  ) regarding non-payment of property taxes from escrow account. AmeriHome responded and said they had paid taxes. They paid taxes to parcel #  XXXX  which is the WRONG parcel # AGAIN. I had sent copies of tax bill clearly stating that the parcel # was  XXXX . I want the taxes paid and acknowledge their mistake. Taxes must be paid by Friday
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against XXXX XXXX for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

The company in question is XXXX. Do to resent medical events and other occurrences, it was a medical suggestion for me to get a pet for emotional support. Long story short, I went to see a pet at XXXX, they had me fill out some paperwork while I played with an adorable puppy. Then I was given 24hours to decide if I wanted the dog that I saw and played with that day. ( XX/XX/XXXX ). 

I came home, did a little research and decided that I did not want the dog, the very next day or any other date in the future. I informed XXXX personnel on ( XX/XX/XXXX ) less than 24hours later of my position, not to proceed with the purchase. A few months passed and some time in XX/XX/XXXX, I received a bill stating that I owed {$2200.00}. I immediately contacted the credit card server to file a complaint. I was told that an investigation would be conducted and that someone would be in touch. No one followed up with me and I continued to receive stressful calls for collection. 

Do to some unforeseen financial issues alone with the medical ones, I was encourage to file bankruptcy and XXXX was a part of the inspiration for me to move forward with the recommendation given by my attorney. 

Perhaps my creditors will get some sort of payoff from the bankruptcy including XXXX, but my complaint and real concern is, how many other individuals are being scammed or harassed into such difficult circumstances and feeling helpless as thought theres nothing they can do about the threat of this type of credit reporting? 

And by the way XXXX has since then remove their companies name from the XXXX, which was where I retrieved most of the discouraging information not to buy a pet from them. And still to this day ( XX/XX/XXXX ) I do not have and did not purchase a pet of any kind from XXXX or any other pet venders.