23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax refuses to include public court records of satisfaction of multiple mortgages in my credit reports rendering them incomplete and casting an inaccurate false representation of my creditworthiness. This incomplete reporting subjects my family to significant economic disadvantages, including barring from access to loans and forcing to pay more for credit. 
Equifax falsely claimed improper identification not matching records, then initially advised, " Allow up to 60 days for the new account to appear on the credit file. But then Equifax reneged declaring " only public records supplied by their VENDORS can be included on consumer credit files. " This is a clear violation of the federal Fair Credit Reporting Act ( FCRA ) and requires decisive action on the part of the Consumer Financial Protection Bureau to fulfill its mission and charge of public trust and protection.
Product: Mortgage

Deceptive practices regarding Mortgage loan with XXXX XXXX & Ocwen Foreclosure ( no notification )  proceedings then transferred of mortgage to PHH Mortgage Company loan modification. 
I have uploaded a copy to CFPB XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove these accounts because the payment history report continued reporting a charge off after the closed date This represent an improper use of my report XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My wallet was stolen and my Navy Federal debit card was used on many different Bitcoin sites. Totaling the amount of {$490.00}. I filed a claim and for some reason it was instantly denied. Later I came to find out that the representative who filed my claim never stated that my wallet was stolen and I did not have my debit card anymore. I am now out of {$490.00} and Navy Federal wont help me with the unauthorized charges on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was approved for a business auto loan by XXXX XXXX XXXXXXXX. I took the attached pre approval to dealership ( XXXX XXXX  ) and they took it upon their self to apply for me another application with XXXX XXXX XXXXXXXX. 
The reason for me taking the business pre approval was so that it wouldnt show on my personal credit report. Ive noticed that it is showing on my personal report. Ive called and spoke to finance XXXX XXXX, she stated theres nothing she can do and XXXX  has still failed to return my call. 
XXXX XXXX XXXX says there was a whole nother application opened under my personal I did not give them permission to do that they should have used the pre approval that was presented.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my LOANCARE account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned LOANCARE account for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX.
Product: Debt collection

I checked my credit report becaue my fico score had dropped drastically and I was confused as to why. Upon checking my credit report it showed an address I had not lived at and a company I did not work for. I called the credit bureau and filed a dispute. They informed me that I would have to contact the collection agency ( I C System, XXXX ). I did this and they said it was an outstanding bill for XXXX XXXX for {$380.00} and how would I like to pay for it. I told them I had not lived at the XXXX XXXX address and that it was not my bill. They then told me I could contact XXXX to see what they would do but until then I owed the bill.I contacted the XXXX XXXX Department and submitted all the information 2X but they have not called me back after I asked to speak to a supervisor. I gave them the last 4 digits of my social security number but I refused to give someone in the XXXX XXXX my full number. I was assigned a ticket # and I was told I should hear from them within 2 days and that was the middle of last week. I have since made a police report. I have lived at my current address for the last 48 years and in fact had XXXX during the time the debt occurred at my present address. I supplied them with utility bills for the time represented but so far it hasnt been removed.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA,XXXX  XXXX You are in Direct Violation of The Fair Credit Reporting Act CARHOP XXXX has violated several of my rights. 

15.U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX Credit Card partial account number ****XXXX-XXXX. ( Please see page 7 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Checking or savings account

My telephone number is XXXXIm asking them to look at the previous complaint/dispute I madeI will filing a civil suit against XXXX and the bank.I need the corporate information and their legal counsel info.So I can properly file this lawsuit in US District Court AGANIST PNC Bank and XXXX in Executive relations.I will subpoena the CEO of PNC BANK to court to hear the case. If you dont want to assist me with my account I will go the legal route subpoena and have top officials of PNC in court listening to The case and they have to come to court once I subpoenaIm not paying for something I didnt do ok.. Yeah so Lets go to courtSee you in court Where do I send XXXX XXXX summons too.I dont want her to be held Comtempt of court because she didnt come to court.Do I use the Corporate Office address in XXXX serious I need to know .So the bank and XXXX can be properly served.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain credit inquiries and accounts listed on my credit report, as l believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C.

1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft Report ( XXXX ) as evidence that my personal information was used fraudulently. 
The unauthorized credit accounts I am disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also XXXX The unauthorized credit inquiries I am disputing are as follows : XXXX XXXX XX/XX/year>, XXXX XXXX inquiries and accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), l am requesting that you investigate these disputed inquiries and remove them from
Product: Credit card

I just received my credit card statement with a {$380.00} Interest charge on my statement. My statement balance previous statement was {$530.00}. My statement has been as high as {$1000.00} approximately and have been paying down since I got it that high. They told me that I made a purchase 2 years ago that I agreed for no interest however been paying interest all along and not sure my payments actually paid down the zero percent side as it should. They then told me they would waive the interest charge if I paid the entire credit card balance off, extorsion!
Product: Checking or savings account

This is to provide additional info on company 's response. 
I spoke with the capital one claim agent stating I only want to get reimbursement for the NSF/late fees that were caused by technical issue, and I do not give Capital One permission to cancel or reverse ACH as I stated multiple times that it would only incur more fees on my XXXX XXXX  account. The agent never said Capital One can not dispute partial amount but ensure me they are going to only dispute the {$70.00} fee and promised they will NOT cancel or reverse my ach rent payment. 
The next day, I found that Capital One has ignored my instruction, canceled and reversed the ACH rent payment again causing me to have to pay additional fees to my account and got my rent account to be closed by my landlord. 
This is solely a bank error from Capital One as the claims were NOT submitted per my instructions nor did they have my permission to reverse my rent ach payment.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a call from what I thought was my bank ( Citizen Bank ) telling me there was a person named XXXX XXXX in Texas trying to send a wire transfer from my account. The said it was a fraud alert and the person hacked into my account and turned off my fraud notifications and they had specific names and details. I believed this because the number came up on the caller ID as Citizen Bank. The also said that my account was attached to someones phone and they needed to get that phone off my account. I then received a facetime call from someone with the e-mail XXXX. which also seemed legitimate to me. The person then asked me to share my screen and log into my Citizens bank app. They then told me I had to create wire transfers to cancel the ones that were fraduantly made. They gave me this routing number : XXXX XXXX XXXX and told me another number which was my " FDIC Case number XXXX XXXX XXXX and XXXX XXXX XXXX, which I now realize that those were a routing number and account numbers to a XXXX XXXX XXXX agency. I then completed the requests and the person showed me to using mark up on the facetime call. The person said this will stop the fraud and do not log in to my account until XXXX. I lost {$4000.00}. I filed a complaint with Citizen but they denied it because I created the wire transfers. I just thought it was legitimate because they had a Citizen Bank phone number and I did not know that scammers have the ability to use numbers in this way. 
I called Citizen Bank and filed fraud complaints. I was told that the bank makes good on these scams however the next day I received a letter stating that my claim was not valid. They did not even request any information from me such as screenshots that I took.
Product: Debt collection

LVNV - Reference Number : XXXX ( send to my email address Repeatedly ) Per XXXX Report : Account number XXXX LVNV Funding LLC Repeatedly Refused to verify this debt LVNV Funding LLC Repeatedly invaded my privacy by unjustifiably intruding into my personal life without my consent LVNV Funding LLC has Repeatedly, unjustifiably, intentionally deformed my character in public LVNV Funding LLC has violated federal law by improperly using my personal information in my credit report LVNV Funding LLC has Threatened to ruin my life and my reputation by keeping this collection in my credit ***In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below LVNV Funding LLC has violated my rights under 15 USC 1681 602 states ***I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

***Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have mailed XXXX different request on XX/XX/2023 and XX/XX/2023 to both addresses LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX that the company to verify debt, In addition I have demanded that LVNV stops violating my rights by improper and incorrect reports-claims to my credit report damaging my reputation and causing deformation of my character ******It is time for LVNV FUNDING LLC to be held accountable // ***** By Law you LVNV FUNDING LLC are required to report negative personal information with Maximum Accuracy
Product: Debt collection

On XX/XX/2021, I called National Credit Adjusters reference two account that were transfer to their company from XXXX XXXX XXXX XXXX XXXX. The two credit accounts one has a balance of {$400.00} and the another account has balance of {$420.00}. The two credit accounts were charge off and National Credit Adjuster is reporting the two accounts to the credit bureaus with an balance of XXXX for one account and {$420.00} for the another account. Furthermore, National Credit Adjusters have continual to call my job several time at XXXX XXXX XXXX XXXX, and I asked the company not to call me at work, but they continue to call me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing reported after XX/XX/2020. I've made a purchase and payment. Accurate information should be maintained. Purchase was made as proof that you threatened to decrease my credit limit unless I bought something. I did. You can not deny extortion. Documents shown to law enforcement and credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans. Union has been reporting XXXX XXXX XXXX as a delinquent account for longer than seven years. XXXX XXXX reported the auto loan as delinquent 30 days in XX/XX/XXXX. TransUnion continues to report the account as negative which has been longer than seven years. I am requesting TransUnion to update my credit report with correct information. This account has been reported negative and delinquent for longer than seven years. The original removal date for this account was XX/XX/XXXX and that date has since been pushed back to XX/XX/XXXX and Im not sure why. All other credit bureaus have corrected this information with the exception of trans Union.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I am writing to report a case of identity theft and fraud that has significantly impacted my financial well-being. The company " Koalafi '' opened a fraudulent account in my name on XX/XX/year>. I did not authorize or initiate this account, and I am seeking your assistance in resolving this matter and ensuring it is removed from my credit report. 

Details of the Fraudulent Account : Account Name : Koalafi Date Opened : XX/XX/year> Nature of Fraud : Unauthorized account opening Impact : Adverse effect on my credit report and financial reputation Amount : {$2400.00}
Product: Money transfer, virtual currency, or money service

I sent the money to the wrong person. I sent {$450.00} I want the money back
Product: Debt collection

my ssn number was stolen by someone and found out after I closed my bank account and two checks was withdrawn for {$2200.00} and {$2800.00} from some else. I called the chase bank claim phone number and consulted and explained the bank staff about the debt of {$2200.00} and the result was that the check stored on XX/XX/XXXX, {$2000.00} bounced However, I deposited {$2200.00} cash in the atm machine on XX/XX/XXXX, and the statement of the cash is proved./ The explanation given for the debt of XXXX is that the amount {$2800.00} mistakenly sent to me by the government on XX/XX/2021 was recovered. However, I have asked my accountant that this {$2800.00} is the government subsidy XXXX for me and my wife I have also called the IRS to confirm that no money has been collected or owed in my profile and my online IRS account shows nothing unusual about me. I have collected all my materials including another record of {$2200.00} fake checks. I am deeply troubled and ask you to help me deal with these two debts that have nothing to do with me. Please ask them dont call me weekly!
Product: Mortgage

When I was in the process of deciding who to refinance with, I had it narrowed down between two different loan companies. I told one company that there was about {$2000.00} difference in the closing costs in the loan estimates. That loan officer told me that if I got my documentation in that day, he would get me exceptions to match the other company. He stated this on a phone call and over email. This is after I had broken contact with my other loan options since I thought that this person would hold true to their word. 

I got my documents in and he did not get any additional exceptions. Even though I have an email with him stating that he would do this, the company is telling me that there is nothing that he could do.
Product: Credit card

Subject : Discrepancy in Rewards Travel Cancellation Process On XX/XX/2024, I used my Truist business credit card rewards to purchase XXXX XXXX  tickets. Unfortunately, I need to cancel my travel plans, so I contacted Truist Rewards Travel representatives on XX/XX/XXXX at XXXX XXXX. During my XXXX call, the representative informed me that while my reward points could not be returned, the full value of {$590.00} would be held as an airline credit, usable within XXXX year with a {$45.00} rebooking fee per ticket. I called back later that evening at XXXX XXXX  to confirm the details, receiving the same information. 

On XX/XX/XXXX, I contacted the rewards department again to officially cancel the tickets. This time, I was told by the representative that because my tickets were " basic economy, '' they could not be canceled or credited, which conflicted with what I was told the previous day. The supervisor, XXXX, reiterated this point but escalated the call to her superior, XXXX. Unfortunately, XXXX was extremely rude, interrupted me multiple times, and insisted there was no record of my prior calls to Truist. Despite my attempts to verify the call times and details, XXXX refused to assist further and only put me on hold to contact XXXX XXXX. 

The information on my receipt clearly states : " *If you need to cancel your tickets for any reason, you may do so on the account activity page on your rewards site or by calling XXXX by the end of the next business day. Please note a {$45.00} fee per ticket may be assessed. '' There is no mention of any restrictions for basic economy tickets in the cancellation policy, which is what I had been advised by representatives on XX/XX/XXXX. 

As a loyal Truist customer for over XXXX  years, I expect to receive the service and terms promised. I kindly request clarification and resolution of this matter, as I wish to be treated fairly in line with Truist 's written policies. 

Thank you for your attention to this matter.
Product: Debt collection

XX/XX/2023 Jefferson Capital Systems called twice. The first call I was told they were going to dispute claim and send me paperwork. Then on XX/XX/XXXX they called me again and said I have a debt collection and I told them I do not have an account with them and have filed a dispute and I told them what I was told on prior call, that they were suppose to be filing a dispute. I was told again they were sending me a fraud package and it would take 30 days to receive it. I was told to complete paperwork and send it back. 
They say this debt originated from a company called XXXX, I have no clue who this company is or what this debt is for. Now I have 2 collections accounts from Jefferson Capital on my credit reports. Also I have disputed an address and a phone number on my credit report that do not belong to me with the credit companies. I need help in getting this off my credit report, this is identy fraud. On XXXX I spoke with XXXX and they directed me to file complaint with you, because their investigation about the dispute was verified as accurate which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested that you, the CFPB, investigate into a matter on my behalf, and I believe that I did not receive a fair and equitable solution with regards to confidentially or accuracy per 15 U.S.C. 1681 ( b ). Equifax has stated to me, and you the CFPB, that they have " verified '' that the disputed information belongs to me, and that the information reporting is 100 % truthful and accurate. I disagree with said results. By the way, I never consented to XXXX verification, and do not consent to XXXX being used as a method to verify information going forward. I would also like to now request any and ALL physical documentation that Equifax used to verify the following disputed information for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SAME ACCOUNT REPORTING TWICE!! HOW?! ) ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I also previously informed you that Equifax ignored me, and did not respond to multiple disputes upon proof of receiving them. 15 U.S. Code 1681i is the most basic law out of all, and they did not follow this. That alone is grounds for removal of the disputed information!! Equifax did not decide to move forward with my disputes until I involved you, the CFPB, to handle my request. I also informed you, the CFPB, as to which laws were being violated, as well as the reasons why, yet, you did nothing. I also informed both you, the CFPB, and Equifax, that my private nonpublic information is being shared with Equifax by these financial institutions and collection agencies, -which I did not consent to. This is against the law! You did nothing to ensure the protection of my personal information! There were several violations, but you, the CFPB did not have Equifax remove the data for any of those reasons!! How could Equifax be following the law when companies like " XXXX XXXX XXXX '', " XXXX XXXX XXXX '', AND " XXXX XXXX XXXX '' are still reporting!? Explain to me how they also obtained my personal information!! How did they obtain my social security number and other data to be able to furnish information onto my credit report??? Who gave it to them? Where is the documentation? CFPB, why are you allowing this to happen??!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting them since XXXX of 2019. Still unable to show me any proof of consent. Im unable to continue my studies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any XXXX XXXX credit. The card I carry is the business 's card. I am only an employee there.
Product: Debt collection

XXXX XXXX stated i never took back there equipment but i personally dropped it off at their office in XXXX arizona. It was time to close so the sales associate stated just to leave it and we do not need a receipt. I called they stated they never got it ; they tried to track it and they stated its fine ; you dropped it off you will be okay. Then i got calls at all times of the day for IC systems stating i have a collection with debt. I.C. system stated they would clear my report if i pay ; they were supposed to send something in writing they never did. I paid the debt and i never heard back ; the collection is on still on my account and i am hurting because of this. I can not buy a house, car because my credit is being affected