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

I Received an alert that someone tried to use my identity to apply for a XXXXXXXX XXXX card. I contacted XXXXXXXX XXXX immediately after and disputed the inquiry. I spoke with XXXXXXXX XXXX  SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from XXXX stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Prepaid card

My pay card was wisely I. I reported unauthorized charges. They reimbursed me. The amount was under {$200.00}. I then reported charges of almost {$1.00} XXXX. They had me wait over 90 days and then said they found no error. Whe I asked how to appeal their decision they had me write a letter and mail it in. I never heard from them again. I am I'm a XXXX XXXX XXXX widow and presently unemployed. This is so unfair that they won't reimburse me.
Product: Debt collection

Forster & Garbus LLP has garnished my wages as the acting attorney for XXXX. I spoke with XXXX and they have no record of my name, phone number or social security number. Futhermore they have an old address on the paperwork so there was never any indication I was getting garnished by these people. I have attempted to call them to resolve but they will not answer my calls. I looked them up online and came across this article. XXXX XXXX XXXXXXXX I would like to file a complaint and stop my garnishment immediately
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 insufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credit. This aligns with the recent CFPB findings against Navy Federal 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 transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Original Written Dispute with AAFES over being reported for late payments while XXXX to XXXX. no response XX/XX/XXXX - Written Follow up with AAFES. no response XX/XX/XXXX - Written follow up again with AAFES. no response XX/XX/XXXX-XX/XX/XXXX - Applied for a VA mortgage Loan to purchase my home. I was approved and it closed inXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX - Denied Improvement loan. I was informed that information from AAFES for late notations was part of the financial decision on loan denial. I was of the impression that this issue had been favorably resolved during the follow up process. 
XX/XX/XXXX - Contacted via phone. Spoke to customer service rep and assured that the original dispute from XX/XX/XXXX was in my file and it would be re-sent to each of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply a temporary unfreeze of my credit at my.equifax.com following Equifax 's web site links. I had previously created an account with Equifax. When I tried to log in, the web site informed my I needed to contact Equifax at XXXX. When I called I was informed that I could not use the online system with a vague " based on the information that you have provided during the account creation process ''. I later received an email from Equifax stating I can only freeze and unfreeze my account via mailing a form or calling them. The following is the bulk of the email " We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. 
Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. 
There are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone '' I feel I am being discriminated against for an error I unknowingly made that I can not correct. Why can I call, wait 45 minutes for someone to add/remove freezes on my account and not do the same online. 
What really concerns me is, with Equifax 's previous lax security measures, that there are errors in my credit file held by Equifax such that Equifax has the incorrect info preventing me from accessing the data online when I present the correct info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact XXXX by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. XXXX has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.
Product: Student loan

I am filing a complaint against American Education Services ( AES ) and XXXX XXXX due to their failure to protect my personal, financial, and educational records, resulting in unauthorized access to my student loan data. 

On XX/XX/year>, I became aware that XXXX XXXX and/or affiliated entities improperly accessed borrower records from the U.S. Department of Education XXXX including my personally identifiable financial and educational records. These records include : Social Security number Student loan account details, balances, and repayment history Personal financial information linked to my student loan accounts I currently have student loan balances serviced by : AES : {$36000.00} XXXX XXXX : {$18000.00} Under XXXX ( 20 U.S.C. 1232g ) and GLBA ( 15 U.S.C. 6801-6827 ), AES and XXXX were required to implement safeguards to prevent unauthorized access to my personal and financial data. Their failure to protect my information constitutes a violation of federal privacy laws and renders my loan agreements unenforceable. 
Actions Taken by Me : XX/XX/year> I filed a XXXX complaint with the XXXX Department XXXX XXXX XXXX Privacy Policy XXXX regarding this unauthorized access. 
XX/XX/year> I filed a formal complaint with the FTC against AES and XXXX for their failure to comply with financial privacy laws under XXXX. 
XX/XX/year> I formally disputed the reporting of these accounts with XXXX, XXXX, and XXXX, citing privacy violations and unauthorized data access. 
XX/XX/year> I sent certified letters to AES and XXXX, I also, submitted online request on XX/XX/year> requesting : Immediate loan cancellation and discharge due to privacy violations. 
A full report detailing how my data was accessed, by whom, and when. 
Notification to all major credit bureaus ( XXXX, XXXX, XXXX ) to remove these loan accounts from my credit report. 
Actions Taken by AES & XXXX ( or Lack of Response ) : I have not received a meaningful response from AES or XXXX. 
They failed to provide documentation confirming how my records were accessed. 
They have not taken corrective action to address this data breach. 
Requested Action from CFPB : I am requesting immediate enforcement action to ensure AES and XXXX : Cancel and discharge my student loan balances due to their failure to safeguard my personal and financial data. 
Provide a full investigation report detailing how my private records were accessed. 
Instruct all credit bureaus to remove these accounts from my credit report due to an unlawful privacy breach. 
Face appropriate penalties for their failure to comply with federal privacy laws. 
I am attaching supporting documentation, including my FERPA complaint, FTC complaint, dispute letters to AES and EdFinancial, and my credit bureau disputes.

I request CFPB intervention to ensure these loan servicers are held accountable and that my student loans are canceled due to their violations of federal law.
Product: Checking or savings account

On XX/XX/2018 I went to XXXX Florida for 3 days. I had a room at the XXXX XXXX. Once I got into the XXXX XXXX I wasnt able to use my bank of america card so I paid for the room using cash. A couple of hours later I was able to use my card and they put it in their system for any miscellanious rooms charges and insurance. I left XXXX on XX/XX/2018. A couple of days later I noticed that the XXXX XXXX charged me {$700.00} for the room, even though I paid cash for the room the day that I checked in. XXXX XXXX and BOA have not been helpful in getting this claim resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone my permission to be an authorized user on this account I would like it removed from my records completely. This is not my account
Product: Student loan

Nelnet has two accounts showing several late payments on my credit report in 2012. I contacted their office over 45 days ago, with no response from Nelnet, which is a violation of my FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX Balance : {$260.00} 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: Debt collection

XXXX XXXX XXXX, XXXX ( this Collection agency ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX and XXXX XXXX ESQ. BAR # XXXX On XX/XX/XXXX They levied {$1300.00} from our bank account, our only income to pay our modification mortgage monthly payment. 
On XX/XX/XXXX I called and spoke to Miss XXXX XXXX, Left a message for Mr XXXX XXXX ext XXXX. Spoke to Mr XXXX XXXX, and Manager XXXX XXXX ext XXXX who promised to contact the American express company to release the funds. He told me he would call me back no later than Monday but he did not. So I call a few times and spoke to XXXX and then XXXX XXXX who was verbally abusive. It turn out they both were just lying to me. For they were doing nothing the release the funds back to my account. 

My husband ( XXXX years old ) with increased health problems ( XXXX XXXX and XXXX ) does XXXX  so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX and XXXX ) has not able to work for the past few years. 
XXXX/ XXXX, when the real estate market crashed both my husband and I had lost our jobs. 
We used our reserves to keep up with the increasing mortgage payments and credit card payments. 
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XXXX, our income had improved and we were able to get an affordable modification with a differed amount of {$200000.00}. 
Since then, we are able to make our mortgage payments but not able to pay any other debts. 
Please, kindly help us retrieve our money back from this collection agency for this levy has jeopardizing our mortgage monthly payment. Please help us
Product: Student loan

On XX/XX/year>, I received a letter from Mohela stating " On XX/XX/year>, a federal court issued a stay preventing the Department of Education ( ED ) from operating the Saving on a Valuable Education ( SAVE ) Plan. As a result of this ruling, ED has directed MOHELA to put your account into a forbearance ... While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' Then, on XX/XX/year>, I received a letter from Mohela stating, " In an effort to keep you updated on your federal loan ( s ), we have enclosed details about your loan ( s ), including the accrued interest, interest rate, and interest, totaling {$580.00}. I had continued to pay on my student loans during XXXX forbearance and was tracking that my accrued interest should be {$0.00}. On XX/XX/year> at XXXXXXXX XXXX, I called Mohela and spoke with a rep named XXXX. She informed me that letter was sent in error. I asked if there would be an updated letter and she informed me she would have to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my payment through XXXX XX/XX/XXXX. I was told that there would be an update to the credit bureaus. After I told them XXXX was not showing payment, I was told another credit agency had the account due to XXXX selling it. I have submitted the paid in full letter multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Credit reporting

I disputed several hard inquiries from SYNCB/walmart SYNCB/amazon on my  XXXX   XXXX   XXXX  and   XXXX   Credit Report. I wrote several letters to the companies asking to remove these fraudulent inquiries from my credit report, and I was told that those belong to me. I ask for each bank to send me proof if these items belonging to me and i was never sent this information. I am a victim of identity thief.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I have no binding agreement with your company. No consent is Identity theft. I am currently pending litigation seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the following accounts. Furthermore, you failed to validate this debt. The original creditor stated that they have no record of this information. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Enclosed with this complaint is the true bill documenting the violation of the following account. Remove this account from my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this compliant against Equifax. I have tried to address this issue several times. These accounts are fraudulent and do not belong to me. I have tried to resolve this issue by disputing the inaccurate information by phone, mail, and online. I am going to contact the BBB as well as filing a class action lawsuit against Equifax if this issue persist. These accounts should be removed immediately upon receipt of this complaint.
Product: Credit card or prepaid card

On XX/XX/2022 I received in the mail a new PenFed Debit Visa Card that I never applied for and do not want. I called the number on the back of the card and was asked for my DOB and SSN at which time I hung up. I then went to the internet and found the PenFed website and reached out to their customer service. I was informed that there was no account associated with the card number and expiration date I provided. The card looks very real and even has a hologram and chip.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT REPORTING ON MY CREDIT FILE THAT I DISPUTED WITH THE CREDIT BUREAUS SEVERAL MONTHS AGO AND I STILL HAVE NOT HEARD BACK FROM THEM REGARDING THIS ISSUE
Product: Vehicle loan or lease

I have had the lease on this new XXXX XXXX  for two years in XXXX and have been notified that I had to make an extra amount added to my payment for personal property taxes, which I have sent to them. I received my personal property tax for my owned cars and thought, I wonder how much I am paying for the leased XXXX XXXX   comparatively. I thought it was a bit high and wondered if I was getting the Virginia tax break that we all get. 
So I called them and asked for a copy of the tax bill that XXXX county sent to them since I have leased the car. I had to call several times and finally had someone send me what I thought was the tax bills for the year and a half that I have leased the car. They only sent me the first half of 2019. I called them back and explained the situation and was told that they would contact the right department and have them send them to me, to no avail.
Product: Mortgage

I sent Loan Officer XXXX XXXX from XXXX XXXX  XXXX with NMLS # XXXX a buyer to get approved for a loan. 
XXXX XXXX was keeping me informed at the beginning with updates & after a while I could n't reach him and after researching XXXX XXXX closed my clients and also stole my real estate commission which XXXX never said he was a Realtor as well. That 's unethical. 

I have the emails as proof. Now XXXX XXXX or his president XXXX XXXX wo n't accept my calls or respond to my emails.
Product: Debt collection

The Complaint that I have is with COLLECTION BUREAU OF AMERICA Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with COLLECTION BUREAU OF AMERICA I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.
Product: Mortgage

I had a mortgage with Fifth Third Bank. XX/XX/2016 I paid off my mortgage. At the same time the tax bill from XXXX County arrived, for the amount of {$770.00}. Fifth Third told me that because the mortgage was paid off they would not pay the tax bill and I should pay it directly. I did pay it myself, but it turned out that so did Fifth Third, and they deducted that amount from my escrow pay-off. However, when I called the XXXX County tax bureau in XXXX, they said they only received one payment -- mine. They told me if they had received 2 payments they would not have processed the second payment. They would have simply sent it back. So, even though Fifth Third said they paid it, that payment has never been processed. I have no idea if their check was ever issued or is lost or whatever. But the tax authorities only received my personal payment. I have contacted Fifth Third numerous times, and all I get is the runaround. First they told me they need more time to investigate the matter, to make sure the payment was not completed. Then they told me they need more time to process the refund. Then last time, on or around XX/XX/2016, they told me the check was in the mail. This turned out not to be true, since no check has arrived. It is now 2 and 1/2 months, with no resolution in sight. Fifth Third is being totally uncooperative and unhelpful. They should be made to return my money. Here is a copy from the Fifth Third Website indicating they deducted the payment from my escrow account on XX/XX/2016. 
XX/XX/2016 XX/XX/2016 ESC DISB - TAXES {$770.00}