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

dear cfpb, i just got a response from Experian stating that Account from XXXX is accurate and Verified...... i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!! 
well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXX XXXXXXXX XXXX can see the inaccuracies! 

XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Product: Payday loan, title loan, or personal loan

On XXXX a loan with the company Upstart was taken out in my name. I was made aware of this after a military training event when I made a check into my credit score. The company had performed little to no background checks in regards to ID verification, and had issued the loan with incorrect information. I had attempted to follow what the company had suggested according to their fraud department, and had contacted all three credit bureaus upon noticing the fraud account. Contact was made in XXXXXXXX XXXX XXXX 

As with life in the service, I was not available to make follow ups on my own behalf in timely manners, and as such had my durable POA act on my behalf. To which the company refused to work with at every turn. Even after having been given complete access to the issue by my verbal omission. This has only extended the issue into this date of XXXX. 

As of XXXX where the company now claims to have failed to receive a forum provided by them that was submitted in triplicate to them, to the address that was provided by Upstart. A request on where to find a new forum to be faxed was made, where Upstart then provided incorrect information, and a fax number on where to send it once completed. Attempts to get the correct information failed, and the company has little to no interest it seems in getting the issue resolved. 

As a large overview of the situation, I have never had the displeasure of dealing with a company who is so unwilling to work with a fraud situation. I am in great disapproval at their customer care in regards to dealings with a POA, and their validation process to get a loan issued. As it seems there is little to no verification as to the correct ID of any information of the person. Had they done so, they would have easily made note that the bank used in this account, the address used, and the employer information were all incorrect, dated, and no longer applicable.
Product: Debt collection

They call multiple timed daily from many different numbers they call my place of business they call my cellphone. They call 8-10 times per day.
Product: Debt collection

XX/XX/XXXX auto loan opened with Golden Acceptance/Relaint Financial for {$9000.00}. Auto was repossessed in XX/XX/XXXX. Lender says it sold the auto for {$150.00} and applied that to my balance. Fair markt value is {$3500.00}. 
This debt shows on my credit report as a Charged Off as Bad Debt. They keep adding interest to the amount and now its up to {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX has XXXX my federal student loans with XXXX in XXXX, effective XX/XX/2023. I received confirmation in a letter from XXXX, dated XX/XX/2023. As of XX/XX/2023, the total loan balance of {$110000.00} still shows as outstanding/ still being owed on all three ( XXXX ) credit reports. I have filed credit report disputes with the XXXX ( XXXX ) credit bureaus : Experian, XXXX and XXXX which are being investigated at present.
Product: Vehicle loan or lease

Vehicle was repossessed, say I still owe {$3700.00}. I have contacted them several times to try and settle this and make payments of some sort. EVERYTIME Ive been told not handled by this department and moved around till disconnected. The one time I wasnt disconnected I was told that a collection agency was handling it and to call them. I call the collection company and they say theyre not handling it anymore and its been sent back to the financial institution. I filed a complaint with XXXX it it still remains and I cant get this debt settled. This is holding my credit score back! I need it gone!
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to sign up for an account with sites like credit karma, XXXX XXXX, etc. To check my credit score, but everytime the same thing happens with all of them. There's a problem using my SSN to sign up. I haven't signed up to check my score before, and I called the Social Security office, and there is nothing wrong with my SSN. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of the account which does not belong to me or was opened without my permission. XXXX XXXX XXXX According to FCRA Section 605B ( a ) Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
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 accounts 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ive had 2 credit cards opened under my name that I did not open myself. I have filed identity theft
Product: Student loan

My Federal student loans are in the process of being transitioned from XXXX to XXXX. There is currently no way to put money towards my loans during this transition, but they are still accruing interest. There is no communication on when this transfer period will end or when I will be able to put money towards these loans again. Why am I on the hook for interest, if there isn't a system in place to make payments?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED DUE TO EXPERIAN, XXXX, XXXX XXXX BREACHES. I HAVE INACCURATE DETAILS AND UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT. I HAVE MADE SEVERAL ATTEMPTS DISPUTING THE INACCURATE INFORMATION AND ASKED FOR A SWORN TESTIMONY OF METHOD OF VERIFICATION AND HAVE NOT RECEIVED THAT. I STILL HAVE YET TO RECEIVE REMEDY FOR THE INACCURATE DATA FURNISHED ON MY CREDIT REPORT. THERE HAVE BEEN MULTIPLE VIOLATIONS PER THE FAIR CREDIT REPORTING ACT. NOW I HAVE NO OTHER CHOICE BUT TO TAKE IT TO COURT
Product: Credit reporting or other personal consumer reports

Re : Account # XXXX ( Alleged Amount Owed {$1000.00} ) & XXXX ( Alleged amount owed {$630.00} ) I am writing to file a formal complaint against Portfolio Recovery Associates for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Portfolio Recovery Associates placed a collection account on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. The amount listed is wrong needs to be removed because it violates FCRA because it is inaccurate. How can I owe them XXXX different amounts on the same account for the same debt?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( 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 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 a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports XXXX XXXX - XXXX
Product: Payday loan, title loan, or personal loan

I was never provided with the interest rate of loan only a told amount to pay off after attempting to contact company I was told that it would be at 147 %. I was also not provided a statement or any forms to make repayment since that time company has reported late on my reports and has damaged my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a hard inquiry first from a XXXXXXXX XXXX, and within one month, another hard inquiry from XXXX XXXX XXXX, and just yesterday, another hard inquiry from Barclays bank
Product: Credit card

On XXXX/XXXX/2015 I opened a BofA checking account and made an opening deposit of {$5900.00}. I left later that day for my assigned XXXX XXXX XXXX for an upcoming deployment. I was XXXX, XXXX until XXXX/XXXX/2015. At which point I realized my account was drained. I filed a fraud claim and even after a Department of Defense memorandum from my XXXX, I was still denied numerous times.
Product: Debt collection

On XX/XX/XXXX, I received health care services from a hospital provider and provided them with my proof of having two insurances, a primary and secondary. The hospital provider made copies of my two insurance cards front and back. When the claim for XXXX XX/XX/XXXX was sent to my primary insurance by the hospital provider, the total amount due was {$2200.00}. My primary insurance paid {$1200.00} on XX/XX/XXXX. This left a balance of {$310.00}. However, this hospital provider has refused to send a claim to my secondary insurance company which is XXXX. On XX/XX/XXXX, I sent this hospital providers billing department an email letting them know that I had spoken to XXXX and was aware that they did not submit a claim to XXXX. There was no direct response. On XX/XX/XXXX, I called this hospital providers billing department and spoke with XXXX regarding my balance and provided my secondary insurance information again. However, this hospital provider refused to bill my secondary insurance and took adverse action against me by having their collection agency, Aargon Agency Inc post that I owed the hospital provider {$300.00} on my consumer credit reports. I believe this unfair business practice by the hospital provider will have long-standing negative effects on my financial status and credit worthiness. I also believe they knew or should have known that XXXX would have discounted or paid the remaining balance off in full since I am a protected class.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions bank continues to show an account from 2014 that shows a 60 day late. It is impossible to be late on this type of payment. It was secured by CDs so it was impossible. I would like this to be ammended to show perfect payment history
Product: Checking or savings account

Navy Federal doesn't value its Customer experience.

I have been a Navy federal member between 4-6 years. During the pandemic this has been one of the ABSOLUTE WORST EXPERIENCES in my life with any company. I was contacted XX/XX/2020 regarding unauthorized usage on my account. As a result I removed the online banking updated contact information and proceeded on. Due to the fraud I call Navy Federal via phone daily to manage account. I have had countless issue where representatives misinform me about my balance, over draft fees and how to efficiently manage the oops balance. There are little to no notes left on the account so when calling you have to explain from start to finish each and every time. Last Wednesday XX/XX/XXXX I was attempting to with draw funds from ATM and was informed funds were insufficient. After calling navy federal I was informed that the temporary claim on my account was reversed due to me not responding. When I verified the method of out reach used I was provided an email address that was updated and requested by me to change during the online fraud issue due to me not having access to that email any longer. Due to the reversal My account was over drawn and nothing could be done even though I called Tuesday XXXX XXXX and was NEVER informed there was a pending reversal. I then received a deposit from my employer of $ XXXX on XX/XX/2020 which the first thing I did was call into Navy Federal and request a transfer to clear the overdrawn balance which I was told was {$500.00} I transferred $ XXXX to which I was told my savings account was left with a balance of $ XXXX dollars and checking about {$1000.00}. The very next day XXXX XXXX I withdrew {$140.00} from the ATM to which I was informed that my available balance shows as {$63.00}. I called to speak with 5-10 representatives including management staff and was transferred between departments and requested to escalate the issue. Unfortunately the company did not leave notes causing me to have to re-explain the issue, I was informed there was no notes left regarding the transfers or anything else I requested since XXXX XXXX. I then attempted to escalate issue higher and was informed that was not something that can be done directly to reach escalations team a note must be left, this was told to me after some one had already transferred me to the escalations team to speak with XXXX. I was told by the same supervisor that she doesn't know this person and could assure me that I was never transferred to the escalations team. I would like all calls on my account puled from XXXX.
Product: Checking or savings account

Since Opening the account in XXXX to present day while awaiting to obtain permanent transportation and housing assistance from the Veterans Affairs Department I have been staying in Suites and Hotel Rooms and utilizing Rideshare services. Chase Bank has been double charging me and overcharging me for utilizing these services. Ive noticed numerous errors with my funds and have reported them to the bank with no resolve. JP Morgan Chase Bank claim they are investigating these charges and Im not seeing proper evidence of this being true. Recently, I submitted a screenshot of the conversation with Hotel Management regarding my recent stay at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX NC having roaches in both rooms and being unsanitary. This specific location didnt provide accommodations according to the ADA Amended of 2008 being that the bar in the shower/tub was broken in addition to the unsanitary conditions. I checked out of the stay 2 days earlier due to the difficulty of obtaining a proper room. The company provides a temporary credit and subsequently reverses the credit while awaiting for direct deposits to be processed in my account with my VA funds to then reconcile the account. This is fraudulent business practices in that it violates consumer finance laws.
Product: Mortgage

BSI Financial abused our fiduciary relationship and manage my escrow account badly. More than twice over the last three years BSI has paid insurance after the expired date more than two times. I get mortgage adjustment that vary with huge gaps for example {$1200.00} to {$1700.00}. Often, I call BSI customer service and their answers are given as if there is no shared resource information that tracks properties connected to the account, the number of insurances and taxes to be disbursed, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries on my TransUnion Credit Report. I have sent two certified letters dated XX/XX/2021 and XX/XX/2021 to TransUnion asking them to remove the unauthorized accounts with no response.
Product: Credit card or prepaid card

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX requested I update my XXXX XXXX Credit Card information, which I gladly did. 

I submitted, per XXXX XXXX XXXX request, copies of the front and back of the following items : 1 ) My Social Security Card, 2 ) my driver 's license, and XXXX ) my Ally Bank statement. I sent these documents twice via XXXX XXXX numbers XXXX XXXX XXXX XXXX XX/XX/2018 ) and XXXX XXXX XXXX XXXX XX/XX/2018 XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX as XXXX XXXX by XXXX XXXX Mail to XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. 

I have had this XXXX XXXX credit card for approximately 15 years and have never missed a payment or been delinquent. I have a perfect credit with XXXX XXXX. 

Communications with XXXX XXXXk have led me to believe they are treating me unfairly and unlike other holders of XXXX XXXX credit card. I am not sure if it is racial profiling by XXXX XXXX   because there is no reason my XXXX XXXX credit card isn't working properly. 

XXXX XXXX
Product: Mortgage

This past year, my husband spent 7 days in the XXXX. A XXXX, who does not get paid during the summer and I, a XXXX XXXX XXXX will not receive a paycheck until XX/XX/XXXX. We are unable to pay XX/XX/XXXX 's mortgage and contacted our mortgage company, Penny Mac. For two weeks I have contacted our assigned representative, over 15 times as well as calling into other departments in an attempt to get a response. On XX/XX/XXXX I spent 45 minutes discussing our situation and was told I would receive a call in 2-3 days. On XX/XX/XXXX, I missed a call from our newly assigned representative and returned his call an hour later. I have left 15 messages for him as well as his superior and other departments have emailed him as well asking him to contact me. No return call has been received since XX/XX/XXXX. I was attempting to call early to avoid any late payments and work out a solution for XX/XX/XXXX, but it is clear Penny Mac has no interest in contacting us or assisting in this matter. Today, I sent a 3rd message in their message center and there to, have received no response. Penny Mac claims to want to help their customers but it is clear they have no interest unless it makes money for them.
Product: Debt collection

Harassing phone calls asking for me and giving out my SSI # There are other people in next to the one calling and they are laughing in the background, if you do n't do anything to stop them I will contact my lawyer, the name of the company is P & B Capital group there has been over 50 lawsuits and still nothing has been done to stop the calls. What are you going to do about it? Call keep coming in few times per week last call on XXXX.18 at XXXX est.
Product: Debt collection

Dear Sir/Madam, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt. as required under the Fair Debt Collection Practices Act. 
Specifically, I am requesting that you provide me with the following information : XXXX. The amount of the debt that you claim I owe. 
XXXX. The name of the original creditor to whom the debt was owed. 
XXXX. The date on which the debt was incurred. 
XXXX. Proof that you are authorized to collect this debt. 
I would also like to request that you provide me with copies of any documentation related to this debt, including but not limited to account statements, billing statements, and any contracts or agreements related to the debt. Please note that I am not acknowledging that I owe this debt. I am simply requesting that you provide me with verification of the debt, as required by law. 
I would appreciate your prompt response to this request. Please note that if you are unable to provide me with the requested information, I will consider the debt to be invalid and will take appropriate action to protect my rights as a consumer. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This isn't my account. Please remove it.