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

XXXX XXXX and XXXX XXXX are the same account and are not suppose to be on my report and its the same account but on the report 2 times ... That is illegal and is causing damage to my score. The accounts need to be removed. has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.XXXX XXXX  credit cards has been removed from My credit report From XXXX after it found the account was not mines.both cards XXXX and XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX inquire has been removed from My credit report From XXXX after it found the account was not mines. 

XXXX inquire has been removed from My credit report From XXXX after it found the account was not mines. 

regions inquire has been removed from My credit report From XXXX after it found the account was not mines. 

XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.
Product: Checking or savings account

Multiple Unauthorized ATM transactions were made on my account in a foreign state, I notified the bank as soon as I was aware, I received a call from the fraud department in what seemed like they were interrogating me as if I was responsible for these charges. I received a letter stating they will not refund my money to my account because they feel the charges were " valid ''. I have followed all reporting guidelines as stated in on the " zero liability '' section of the account terms. as a customer I use have had hundreds of thousands of dollars worth of transactions on this account now that I am a victim of fraud the bank will not honor their own zero liability claim. 

**Note this complaint will serve as pre-suit notice if a resolution can not be reached**
Product: Credit reporting or other personal consumer reports

Good day, I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT. PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX, my XXXX, my XXXX XXXX XXXX  and to my XXXX! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

This debt is unverifiable according to the ftc any debt that is unauthorized or not verified have to be removed immediately
Product: Credit card

XXXX I recd an alert abt a charge for {$230.00} for a XXXX. I immediately called the Fortiva Fraud # to let them know that was not me. I informed them I had not been using the card bec I was trying to pay it off. My last charge was in XXXX or XX/XX/XXXX. The rep verified and stated they would cancel the card & investigate. While talking with them. I looked at my statement, it showed the same charge being charged twice. Along with other fraudulent charges on XX/XX/XXXX XXXX XXXXXXXX  {$47.00}, XX/XX/XXXX for XXXX XXXX XXXX for {$5.00}. I did not even rec notification abt these. I was told to call the co that submitted the charges. I did and was told, they could not give information XXXX I had filed a dispute with my credit card co and they referred me back to Fortiva. I then called Fortiva and let them know what i was told. I then recd a letter from Fortiva stating they completed there investigation and I had made the charges. I asked for the XXXX address they claim was mines and they stated I should have recd an email of which I did not! I also called XXXX and they again refuse and sent me back to XXXX. I just want those charges removed so I can cancel this card.
Product: Credit reporting

No authorization given to company to access credit report. Have no previous accounts with this company.
Product: Debt collection

I tried to contact the company to dispute the debt on my credit report. But it wouldn't allow me. Kept showing error, On my XXXX, XX/XX/XXXX, {$91.00}, XXXX XXXX. XXXX XXXX XXXX. This is not my debt. And I haven't been to emergency since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX    XXXX {$720.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$680.00}
Product: Checking or savings account

My monthly XXXX XXXX  for XX/XX/XXXX XXXX of {$1000.00} was not on my card. I contacted DirectExpress and was told that my card was canceled and a new card was sent to an address in XXXX XXXX, Missouri. I've never been to that city and did not authorize any change to my account. I have been fighting them ever since with no luck. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ACCOUNT ENDING IN XXXX IS REPORTED ON MY CREDIT REPORT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME
Product: Money transfer, virtual currency, or money service

I asked Axos Bank to close my account and transfer the funds to my personal bank account, which they have in their records since it was the account I used to periodically transfer funds to their account. This happened on XX/XX/2021. As of today, XX/XX/2021, neither my account has been closed nor the funds transferred to my personal bank account. All this has been documented within Axos Banks internal message platform, and since a rep has been attending my case, they are fully aware of this. 

The total amount of funds that have not been transferred to my personal bank account is {$5400.00}. I have been loosing money for more than a month while they are benefiting from them at my expense.
Product: Debt collection

National credit adjstors Hasn't provided a response to my inquiry and proof hasn't been provided of validation of debt and proof
Product: Checking or savings account

On XX/XX/year>, a notification came through stating there was not enough money in my checking account to cover a transaction that came through. I knew there was enough money so I checked online to verify. The transactions in my checking account were debit after debit of cash withdrawn to XXXX. 

The owner of the XXXX accounts was someone who had been living with me but had moved out earlier that week. I looked back over the past month ; he had been sending money to his XXXX on occasion since late XXXX. However, when he moved out, he drained my account. He not only hit this account but my other accounts at other institutions and opened other accounts for which debit cards started arriving. It was a lot. 

I immediately began to dispute the transactions. There were so many and my financial institution, Ally Bank, requires each transaction to be manually disputed online. It took me multiple days to go through the transactions. They ranged from a few dollars up to {$200.00}. As I was nearing the end of the list, the website gave me an error message that the site was unable to retrieve the transaction information and to check back later. This went on for months with zero resolution. 

So, I was unable to dispute all the transactions. But of the ones I could dispute, I was given provisionary reimbursement and, eventually a credit for all the transactions that were under {$50.00}. The transactions over {$50.00} needed to be investigated, according to Ally. And, after a couple of months, I received notices in the mail that all those transactions over {$50.00} were found to be authorized and correct. The reasoning was that they are " merchant transactions '' and I should take it up with the merchant. However, every transaction data sheet no matter what the amount of the transaction had no varying information indicating that those higher-value transactions were any different than the lower-value ones. And, there was no difference. They were done the same way as the others. 

I called multiple times and spoke to various people and managers. They did everything from laugh at me, hang up the phone on me, and tell me I had no way to appeal as the decision was made and I had to accept it. Ally Bank stole hundreds of dollars from me because they did not want to cover my higher-value fraudulent transactions.
Product: Debt collection

The following debt is in collection, even after attempts to make payments. applied for financial aid through the institution and was denied even after expressing that I do not have the finances to pay for the debt. The debt is a negative reflection of my credit profile and I would like the following debts to be disputed.
Product: Mortgage

On XX/XX/XXXX we closed on a construction loan, after several delays by Wells Fargo, they overcharged us {$5000.00}, we received a letter on XX/XX/XXXX that they acknowledged overcharging us and giving us a check for that amount. But then, the same day they charged to our loan the same amount {$5000.00}, so in fact they did not refund, they charged back to us to repay again. I have attached my initial letter to them and all of our statements showing the where they charged back to the loan and never credited back and all of the statements with them. We tried on several occasions to resolve but they never followed through, so not only did we get charged for that, we were charged for the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to Experian that a collection account just popped up in their report and after waiting a month they did nothing but tell me they confirmed the information and will not remove it. At the same time I disputed with the collection agency and they provided me with paperwork which clearly states another entity and dates which do not belong to me. 
Experian never did a dispute, they claimed they did, yet I have the proof they didnt. The reason is that they make money having negative information on people so they can sell their service on fear.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have XXXX XXXX, social security and another employer who are putting me on a credit report for what have not worked for them over 20 years its not right or fare. Can you please take off any bad thing on my credit report cause its been many many years ago, don't know why employer 's could do such thing. Thanks trying to clean my credit up
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

RECEIVABLE COLLECTION, Date : XX/XX/2017, Account # : XXXX, Amount : {$280.00}, Date : MAIN XXXX XXXX NOT MINES. IM TRYING TO KEEP MY LIFE HERE IN AMERICA. ITS NOT MINES I SENT A LETTER PLEASE. THE COMPANY IS NOT RESPECTING. THEY SAY NOTHING AND KEEP HARASSNG ME. PLEASE DO SOMETHING
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan for a vehicle has appeared on my credit. The company name is United Auto Credit Co. they are located XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX. 
I have contacted the funding department at the number listed. This company does not have my name, social security number or address on file. But XXXX has managed to changed my personal information on my credit report as well added this account to it. I again reached out to United Auto Credit and spoke to a lady XXXX XXXX XXXX number above. She managed to help me when I gave her the address that XXXX had updated on my credit report ( which I don't know how they did that with out documentation ). When she pulled up the account under the address of XXXX XXXX XXXX XXXX, FL XXXX. She realized that my information was not in that account. United Auto Credit has sent a request to XXXX stating this account is not mine. But XXXX still yet has not removed this account from my credit report. I have sent XXXX documentation of my identity. I have also requested them to send me documents of what they have on this loan. Again no response. I am emotionally distress with this situation. I am needing help to solve this issue.
Product: Mortgage

I closed on my FHA home purchase XX/XX/XXXX and was notified yesterday that my loan still has not been insured and was not given a reason why. The only reason I was notified by phone is because I am trying to refinance with an FHA streamline, I closed 9 months ago is this common and why I am making FHA XXXXnsurance payments if my loan is not insured? 

I was also told if corrected I would have to wait 6 months to refin missing the opportunity to refin a todays low rates. I do not think that is fair its not my fault of whatever underwriting issue happen that I should miss out and making my mortgage payment even more affordable. When I login to check status of my FHA streamline loan it says initial processing, it has been in that status since XX/XX/XXXX. 

I want to know what would be my next steps and is there any recourse I can take.
Product: Mortgage

Greetings CFPB, I am contacting the Bureau in regards to a Reverse Mortgage on my mothers house I inherited in 2016, when I obtained financing my financial officer made me aware of a monthly charge on the Champion Mortgage statements called a Service Fee Set Aside, after he submitted several inquiries regarding this charge with no response from Champion Mortgage before closing, he advised it appears this amount was never exhausted and the balance was not deducted from the final pay off amount and felt they owed me the un-used balance. 
I would like to also advise Champion Mortgage from day one of advising Champion Mortgage of my Mothers death Champion Mortgage demanded the debt to be paid immediately or to surrender the property, I found very little information regarding dealing with this issue or my rights with a Reverse Mortgage Company, I did find that congress had passed a bill that the Reverse Mortgage Companies must give one year to settle an estate before taking action, upon advising Champion Mortgage of this information they advised me they would give me four extensions each three months in duration. 
As you can see in the Notice of default letters they sent me, they offer several options but never inform me of my right to one year to settle the estate before I have to choose one of their options. 
Can you please help me find out if Service Fee Set Aside is a legitimate fee and if they owe me a refund for the un-used amount. 

Kindest Regards, XXXX XXXX.
Product: Debt collection

I received a summons ( CIVIL ) from XXXX XXXX XXXX, XXXX on XX/XX/XXXX at my residence indicating ( attorneys for plaintiff- Discover Bank for {$2700.00}. Opened XX/XX/XXXX. 
Discover is showing this account as ( CHARGED OFF ). 
This lawsuit is asking for a judgement thru the courts on a charged off account by Discover card. Also indicating they are representing them. 
XXXX XXXX XXXX pplc. # XXXX XXXX. 
I have no vehicle and no money and am on XXXX. I can't respond to this lawsuit or file a answer. 
It indicates that if I fail to respond a default judgement will be entered against Me on an account the DISCOVER CLOSED AND CHARGED OFF.
Product: Debt collection

I took the loan out right as covid was hitting and then lost my job. Wasnt able to pay the loan back so it defaulted. The collection showed on my credit as a delinquent mark about XXXX months ago. I wasnt aware that I could dispute nor validate the debt. I wasnt even sure what the debt was over until more recently like XXXX months ago. When I tried to dispute it on XXXX twice I was told Im unable to dispute this creditor because it was already disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to XXXX  XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with Bank of America ( Ref # XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of BOA  XX/XX/XXXX and to this date no reply or update has been provided. Lastly, XXXX XXXX did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date XXXX XXXX has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several complaints with Experian, XXXX  and I have already submitted a complaint with the CFPB. My problem is still not resolved. The company XXXX XXXX is reporting as an open account on my Experian credit report. This account has been closed and gone to collections. I did not open this account. The account was opened in my name when I was living in an apartment with several people, and I can not identify who used my information. XXXX does not have any signature for me on file or any record of speaking to me or doing legitimate business with me. Every few weeks, I receive notifications from Experian that I have made another late payment, but I also receive notifications from them that I have gone over a year with no late payments. The information in their system is clearly inaccurate and presenting this incorrect information to lenders is extremely unfair to me. XXXX has not properly communicated to Experian that the account is in collections, and so Experian frequently, randomly deducts points from my score as if I just recently missed a payment. I have a flawless payment history, and it is unfair for this incorrect information to still represent me on my credit report. After I filed my complaint with the CFPB, nothing changed. The CFPB closed my complaint with Experian on XX/XX/XXXX, and with XXXX on XX/XX/XXXX. In XXXX 's response to me through the CFPB, they indicated that they fully knew " the loan was charged off on XX/XX/XXXX '', but still stated " we have confirmed that all credit reporting is accurate and will have to respectfully decline your request ''. They have also told me they are aware the account is in collectoins verbally on the phone, and said they made an error, and should have indicated to Experian the account was in collections in XX/XX/XXXX, but now it is " too late '' for them to change the status. It is even written on my Experian credit report that the account is in collections. Yet, the account just appears under the " closed account '' tab and I am constantly penalized for making " late payments. '' As I attempt to further investigate who wrongfully used my information to open this account, Experian at the very least should stop continuously penalizing me for an account that went into collections XXXX of XXXX, and properly indicate that the account is in collections, and has been since that date.
Product: Checking or savings account

Navy Federal Credit Union has failed to protect me against fraudulent activity.I lost my debit card and there were several irregular charges made on my debit card and when brought to NFCU attention they declined to protect me against fraud. I was told by a representative in order to prove the spending wasn't done by me I'd have to " prove her wrong '' she told me to go and contact each bank and get video footage and receipts ( transactions were out of my occurrent state ) and submit them to navy federal credit union to get my funds back. When asked what investigation was conducted to make their decision she told me she did not have to provide me with that information. 
Navy Federals and their customer service agent conduct and behavior is unacceptable. I have never been treated with such little respect in my life. Their blatant disregard for clients livelihood and financial assets is disgusting!!
Product: Mortgage

citi mortgage contact me on XXXX/XXXX/2016 regarding a mortgage payment due XXXX/XXXX/2016 I made an arrangement to pay on XXXX/XXXX/2016 citi mortgage contacted me again on XXXX/XXXX/2016 again regarding the exact same payment I just made a arrangement for the day before. 
citi mortgage contacted me on XXXX/XXXX/2016 XXXX XXXX regarding payment due on XXXX/XXXX/2016. I made an arrangement for payment XXXX/XXXX/2016. citi mortgage contacted me again on XXXX/XXXX/2016 XXXX XXXX regarding the exact same payment. I spoke with manager XXXX id # XXXX and manager XXXX ID XXXX. I was advised my only option to stop being contacted twice within 24 hours regarding the same payment was to send a cease and desist.