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

DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Credit cards opened by thief : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

I was contacted by this company threaten me that they were going to serve me court ordered papers to my home. If I didnt pay them, they gave me a settlement amount to pay and I paid and then went online and discovered this was a scam. I was scammed over {$350.00}, and then they call me again and again trying to get more money and I called the original creditor and said I have nothing owed with them but they have all my personal information. This company is called XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Saying I owe a debt I know nothing about. Tried to debit amounts from my bank accounts without my consent. Threatening to sue. Very rude and threatening
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.
Product: Credit reporting or other personal consumer reports

I haven't seen any positive changes in my credit reports recently. Once again, I find myself a victim of the negligence of Credit Bureaus. I hereby reiterate my request for the deletion of remaining items from my credit file, which resulted from fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expunge any such items no later than four business days following XX/XX/XXXX. This issue has been previously brought to your attention in an FTC report and complaint, and I am referencing it again with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have already been removed by other bureaus, which casts doubt on their accuracy. This complaint serves as a formal notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and is prepared to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity. 
XXXX : XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX {$6500.00} XXXX XXXX XXXX XXXX  XXXX ( Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX  XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This complaint is in regards to LVNV Funding llc account XXXX XXXX opened XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation by the negative information posted on my credit report
Product: Checking or savings account

I use chime for banking services. Woke up this morning to emails of my account closure. I had most of my money ( {$7000.00} ) in my chime credit builder card. About XXXX $ was in my checking account. All I did last night was transfer XXXX $ to my XXXX account for a XXXX XXXX subscription I have. Woke up this morning unable to access any of my accounts. Cant pay any bills or be at appointments that I was scheduled to be at. No communication with them regarding what the issue may have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a police report by mail and fax, I have called and talked to multiple reps over the phone, and I have filed multiple reports with CFPB and FTC about unauthorized inquiries on my credit reports. I pay for a monthly monitoring service and I have placed a fraud alert on my credit reports and froze them. I have informed them that I received an email from my son 's college stating I have been involved in a Data Breach, and now I have been told my all of my info is on the Dark web! However, they are refusing to delete the inquiries! I disputed several accounts that are reporting inaccurate information and they will not provide me with proof of all the information they used for the investiagtion ( per FCRA 611 ( a ) ( 7 ), but they keep stating they have been verified as accurate! 
Below are the items that are unauthorized and/or reporting erroneously : 1. XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX  XXXX XXXX - Account # XXXX - Account in litigation 8. XXXX XXXX XXXX  - Account # XXXX - Account in litigation 9. XXXX XXXX - Account # XXXX - Account in litigation 10. XXXX - Account # XXXX - Account in litigation 11. XXXX - Account # XXXX - Account in litigation 12. XXXX  - Account # XXXX - Account in litigation 13. XXXX XXXX XXXX  - Account # XXXX - Account in litigation 14. XXXX XXXX XXXX XXXX -XX/XX/XXXX - Inaccurate reporting and Bankruptcy Courts gave me proof they do not provide information or validate public records.
Product: Checking or savings account

It was a fraud in my business checking account I notified the bank on XX/XX/2023 was {$63.00} in two business days they reverse amount of {$14.00} first they told me its gon na take 60 days for investigation after 60 days they told me its gon na take 90 days now its five months its still under investigation Im still missing amount of {$49.00} and its been over five months every time I contact them theyre telling me its on the investigation this is the claim number XXXX and this is the phone number I called ( XXXX ) XXXX its Bank of America bank
Product: Checking or savings account

I tried to sell my furniture through an online app and was given a check to deposit into my citibank account. When I printed the amount it had an amount more than the total and I was asked to pay a portion of the amount to the mover who will come to pick up the furniture. 
I did a mobile deposit of the check and then later on reached out to the citibank representative to see if this amount has cleared and whether it will bounce back. 
This is the response I got from the citibank representative : Me : Does that mean it ( check ) could bounce back? 
Citibank Rep : " No, I have checked again and we have added the amount successfully in your account and it will not get reversed '' On getting this clearance from the bank I went ahead and made a payment through XXXX ( From the citi bank app itself ) to the said mover.

After a few days the check bounced and I lost my money as I had already paid the said movers by then. 

I reached out to Citibank seeking for help and told there's a fraudulent activity. I explained to them the whole thing and that I received a confirmation from citi bank before I considered making payment through XXXX ( From citi bank app ). 

The bank then told me they will not be able to help me for the check and when I asked why the representative confirmed it would Not bounce - they said check could bounce subject to balance available in the other party 's account. I asked them why they didn't tell me this important point when I reached out in the first place and they had no answer. I told them please dispute my case and they said they will try to dispute the XXXX payment and I raised a case and now they told me they can not help me with this or get my money back for me. The bank is taking no responsibility for a fictitious check or for the fact they misinformed me about its clearance nor the XXXX app used ( through citi bank ). 

Kindly help me get a resolution for this issue as it has been over a month, thank you.
Product: Credit reporting or other personal consumer reports

I filled out online disputes on correcting items on my Experian reports on the following infromation : Names and aka 's i dont use Telephone numbers that are not mine Address that i dont live at or heard of Under notices they have a business name that not mine never worked or have a business? 

Please I tried several attempts to have them remove or correct nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XX/XX/2022 ; 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: Checking or savings account

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

I have several inaccurate and inconsistencies on my credit report. TransUnion, XXXX, and XXXX have been contacted via phone and mail about any and all errors on my reports but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my XXXXXXXX XXXX report provided by XXXX and my credit report from TransUnion, A dispute response from XXXX. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

XXXX Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX but there are 2 extra addresses on my report. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
My account Balance are inaccurate and inconsistent. TransUnion and XXXX are the same, but XXXX is different. 
My payment history is missing payments on all my accounts. 
My report has XXXX XXXX XXXX accounts that don't belong to me. One for XXXX and XXXX. 

XXXX Report : My payment history is missing payments on all my accounts. 
My report has an inquiry from XXXX that I didn't authorize. 

TransUnion Report : My payment history is missing payments on all my reporting accounts. 
My report has an inquiry from XXXX  XXXX XXXX thatvI didn't authorize. 
My report has XXXX XXXX cards that don't belong to me. One for XXXX and XXXX.
Product: Mortgage

During the closing of my loan I was encouraged to use escrow to get a favorable interest rate. I was told that I could remove escrow easily at no charge after 90 days of the loan originating. As a result of this I proceeded to have an escrow loan. Now when I called us bank home mortgage the fees are in excess of $ XXXX.
Product: Vehicle loan or lease

I have a loan with TOYOTA MOTOR CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Product: Debt collection

The primary borrower contacted Navient in XXXX 2017, and was told she had no forbearance option available. She was advised she could sign up for recurring payments, and that this was her only option. She did so in XXXX XXXX. Beginning in XXXX 2017, her payments started bouncing back, as she was experiencing financial hardship. I was not contacted via phone until XXXX XXXX, 2107 about the debts. I was not told at any point in time that I could dispute a debt. When I called, I asked about what programs were available bc the primary borrower did not have the funds to pay, as demonstrated by the several returned payments for insufficient funds. I was misled to believe I could pay {$64.00}, have the other two past due payments moved to the end of the loan, and the primary borrower could call in to find out what programs are available, as the Navient rep stated they change daily. He never told me she had 2 months forbearance available. I found out on XXXX XXXX, 2017, Navient reported 2 delinquencies for the loans to the credit bureau. I immediately called Navient to try to resolve, however they were not cooperative or helpful. During the several phone calls I made on XXXX XXXX, I was advised she has forbearance time. I agreed to pay the past due amount, and agreed to the forbearance for 2 months. This was not offered on my last call. This would have been helpful and avoided past due payments if they would have offered this option. I am willing to pay if there is a past due amount, and demonstrated that multiple times in the past, when there was an issue of non payment or late payment. I was told that because the primary borrower is on recurring payment, even if I call in to make a payment so her payment does n't bounce, they will still take the payment from her account. She has to have her account enrolled, because she agreed to the only program offered to her. Further, if she would have had the forbearance back in XXXX or XXXX when her first payment was returned, she would not have been 3 months delinquent. Also, they will call the primary borrower several times, and called me in XXXX, but did not give me an opportunity in XXXX when they actually sent the delinquency to the credit bureau. I pay over {$1100.00} per month in my own student loans. I have never had a delinquency on my credit. I pay all my debts on time. I would have paid the past due amount, or at least enough to ensure it was not reported on my credit, but was not given that same opportunity. As the cosigner is just as responsible for the debt, and will be affected by negative credit reporting, I should receive a phone call, as is Navient 's demonstrated regular business practice, to say if I do n't make a payment that day, I would be reported. I made two payments both days I spoke to Navient to avoid reporting, however they still reported me without giving me an opportunity to resolve the past due amount. I have attached my bank statement showing I made payments both times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has sent applications in my name to these companies listed on this identity theft report. I did not do this & I don't know who has my information but this is fraud.
Product: Credit card or prepaid card

USAA, states payment was not made, on account which it was bank statement show this to be the case as well USAA put payment to wrong account and knew this to be the case and lied about it USAA stated was going to make the change put to right account The right account was the XXXX XXXX, payment was XXXX that was paid on time USAA did not fix the payment as stated over the telephone, just left it the way it was rather than to fix there mistake they made don't know if this was the case or not with wrong account? 
USAA went into card holder visa card account and with out NO right to do so paid XXXX dollars out of card holder visa account to the XXXX XXXX account with out card holder permission, that is a violation of the credit card agreement, USAA states this was done because the payment was not made on the XXXX XXXX, and because policy was in its renewal stage, as well the policy was delinquent because of the XX/XX/2023 payment was not made but it was, USAA knew that it was? 
USAA put payment to wrong account from what they stated, card holder did not know of this payment from the visa card until the statement was mailed out this is when card holder call to find out what was going on with the two accounts, nothing was change as stated by USAA, representative she stated was going to fix the accounts, but never did, and just went to the visa account and paid the XXXX XXXX payment the XXXX, USAA states the only thing that can be done is for card holder to pay the XXXX first and than they can put the XXXX back on the visa card account, not thinking that the car policy is wrong as well, card holder believe this was purposely done, base of the fact first payment not made, late charge of XXXX, went into visa account for payment, put payment to wrong account from what was stated, never fix the account, whats up with that, this is the second time had to file complaint about USAA pattern and practices, with card holder accounts, the last complaint was as well the visa account, this has to stop, card holder has been a long and out standing card holder for USAA, who as well has the XXXX XXXX, XXXX XXXX, as well a vias card that was paid off just last month for {$7100.00} dollars, in full and now USAA does this to there belove XXXX XXXX Veterans? " seriously '' thinking about canceling these contracts with USAA this is how they care about " VETERANS '' this last part is for [ CFPB card holder file complaints in the past and nothing was ever done so this will be the same protocol as before, it is what it is, ] at least the Public can review how USAA is helping there Military Veterans, I'Im just saying, and keeping it real Thank, You Card holder
Product: Credit reporting or other personal consumer reports

I submitted in writing for the three credit bureaus XXXX XXXX and XXXX to be removed off my credit report. The U S Bankruptcy verified they do report to the credit bureaus. They refused to removed the bankruptcy.
Product: Mortgage

Sent Carrington Mortgage request for mortgage assistance because I have been affected by Covid-19. Spoke with Carrington Mortgage customer service XX/XX/2021 was told my mortgage assistance request was in processing and no other document was needed at the time. received property foreclosure letter from foreclosure attorney saying sale date for my home is XX/XX/2021 and my loan was sold, and my new servicer was XXXX XXXX. I have not received a letter from the new servicer or Carrington stating who my new servicer was. I haven't received the accelerations of debt letter from Carrington Mortgage or a denial letter for the mortgage assistance request. Recently submitted all requested documents.
Product: Credit reporting or other personal consumer reports

I noticed that this company is reporting XXXX XXXX account that is inaccurate and incorrectly reporting information on my credit file. This company is reporting a 60 day late payment when XXXX ). i have made all payments on this account on or before their due date so I was never late and XXXX ). this company is reporting a 60 day late as of XX/XX/XXXX however account was placed on my credit report on XX/XX/XXXX which mean tht this account didnt even hit 60 days yet however so it is marked 60 days late. 
Furthermore, Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you permission to furnish this account on my credit report? 
Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5.XXXX XX/XX/XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor XXXX XXXXXXXX ) XXXX # : XXXX Furthermore, please XXXX the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks