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

On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... .. XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , MN where I used to live before ). I have been in state of Alabama since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.gov/faq/consumer-protection/report-identity-theft, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX : XXXX
Product: Mortgage

I have a 2nd mortgage with RBFCU. I set up my payments originally to post every two weeks with the purpose of paying off the mortgage early. I realized in 2021 this was not happening so I got on the phone with the company and they took all the payment and reposted them as principal payments. They also indicated that going forward they would not take any payments as payments for the next payment due but would post them directly to principal. They also advised that I need to change from a bi-weekly cadence to a semi-monthly since that is the only way the system would pick up the payment to be applied accurately. This scenario has happened multiple times since then and I always have to call and have them update this. My concerns are : 1. when they reapply the payment I dont have a way of knowing how the interest that I would have saved is being impacted and I think this process is unfair and deceptive 2. Its labor intensive on my end to have to keep calling for them to perform the servicing of the loan appropriately 3. By far one of the most concerning any customer who is not aware to check and confirm that the processes that they have set up to assist them in getting out of debt quicker are working they could be paying extra interest and are not aware.

The servicer should have appropriate processes in place to ensure they are treating customers fairly and are not unduly gaining interest that they should not be.

Thanks.
Product: Student loan

Recently me and my mother consolidated our loans and there was an agreement. Then I received a letter of litigation saying that they will move to wage garnishment if i dont make a payment. Although my loans are in forebearance for the next 6 months after talking to my mother and taking payments from my mothers account who isnt my original co-signer. Then Im already tied up financially with my federal loans with a wage garnishment already on my paychecks and this has been expressed to Navient and I am still getting hounded and have no idea what to do because after my bills I do not have enough to pay the monthly loan amount.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter in regard to unknown and inaccurate items on my credit report. I have yet to receive a response and it has been well over 30 days. I cant help but to feel done wrong because my attempts of reaching out to dispute these items are being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been well over 30 days since I have sent in my dispute with no response. I demand that these accounts be deleted immediately, or I will be forced to file for litigation due to the disruption of my everyday living caused by the companies involved. My information was affected by the Equifax data breach and could have been used by a random person with ill intentions. They are violation my consumer rights via Inaccurate Information 15USC 1681 ( B ), 15USC 1692 ( g ) ( a ) ( a ) Notice of debt ; contents, In accordance with the Fair Credit Reporting Act this creditor has violated my consumer rights under 15 USC 1681 sec 602 states I have a right to privacy. 15 USC 1681 Sec 604 ( A ) Sec ( 2 ) it also states a consumer reporting agency can not furnish my accounts without my written instructions. 15 USC 1666 ( B ) a creditor my not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 15USC 1602 ( J ) ( K ) ( J ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. Attachments : Letter to Equifax and my identification.
Product: Credit reporting or other personal consumer reports

Equifax, as a credit reporting agency ( CRA ), has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and remove fraudulent information from my credit file. 

Fraudulent Inquiries in Question : The following inquiries, which I did not authorize, are currently listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These inquiries are not only inaccurate but also harmful to my creditworthiness. I have already waited more than 30 days for resolution, and the continued presence of these fraudulent inquiries on my credit report is causing me significant financial and emotional distress.

Legal Basis for Removal : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block and remove information resulting from identity theft, including fraudulent inquiries, within four ( 4 ) business days of receiving. Furthermore, 15 U.S.C. 1681e ( b ) requires Equifax to maintain reasonable procedures to ensure maximum possible accuracy of the information in my credit file.

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that Equifax conduct a reasonable reinvestigation of disputed items within 30 days of receiving a dispute. Since more than 30 days have passed and the fraudulent inquiries remain on my report, Equifax is in violation of the FCRA.

I demand that Equifax : Immediately remove all fraudulent inquiries listed above from my credit report.

Provide written confirmation of the removal within five ( 5 ) business days.

Conduct a thorough investigation into how these fraudulent inquiries were added to my report and provide me with a detailed explanation of your findings.

Failure to comply with this request will result in further action, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursuing legal action against Equifax for willful non-compliance with the FCRA, which carries statutory damages of up to {$1000.00} per violation, actual damages, and attorneys fees under 15 U.S.C. 1681n.

Supporting Documentation : To assist in your investigation, I am including the following documentation : A copy of my government-issued ID.

A copy of my Equifax credit report highlighting the fraudulent inquiries.

.

Conclusion : I trust that Equifax will take immediate action to resolve this matter and comply with the FCRA. Please note that I am keeping detailed records of all communications and actions taken regarding this dispute.

You may contact me at [ your phone number ] or [ your email address ] to discuss this matter further. I expect a response within five ( 5 ) business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX Funding account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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 permission.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding their handling of disputed accounts on my credit report. Despite multiple disputes I have submitted concerning unverified accounts, TransUnion has continuously responded with pre-generated stall letters rather than conducting a thorough investigation
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had XXXX late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account that i have included screenshot inside this complaint in on date XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

I recently viewed my credit file and saw that XXXX department store was placed on my credit file, in the amount of {$220.00}, with a stated date the account was opened as XXXX/XXXX/XXXX. I personally do not have a charge account or card with XXXX, however, my dad has a XXXX charge account. I reviewed my credit report and the entry stated that I was added as an " authorized user '', I never gave the authorization to be added to any one 's account, so I figured there was some sort of mix-up, so I asked my dad if he, in fact, added me to his XXXX charge account. My dad stated he may have added me, but could not recall whether or not he did, or did n't.
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All I know is and am concerned about is the fact I never gave authorization, or consent to be place as an authorized user on any account ( s ).
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balanced {$15000.00} XXXX XXXX  XXXX Balanced {$0.00}
Product: Student loan

Complaint : Following the authorization of a one-time charge scheduled for XX/XX/XXXX, XXXX XXXX charged my checking account at least 55 times. Upon receiving notice of these charges, XXXX informed me of an additional 19 charges. Most, but not all, of these charges were refunded. However, on XX/XX/XXXX XXXX charged my account an additional 4 times without issuing a refund. 

I waited more than 45 minutes on hold to speak to a customer service representative on XX/XX/XXXX and more than 60 minutes on XX/XX/XXXX ( see pp.5-6 in attached .pdf ). Although XXXX customer service representatives acknowledged they had never seen this problem before, they refused to provide any information verifying the number or dollar amount of the charges or refunds. 

Timeline / Notes : XX/XX/2018 - Attempted one-time payment with debit card via XXXX website. The website returned an error message stating the payment had not been processed. 

XX/XX/2018 - XXXX charged my checking account 55 times for the payment. The account was refunded 51 times. XXXX customer service admitted to an additional 19 charges that were visible on their end. ( See pp.1-3 in attached .pdf ) XX/XX/18 Call 1 - Despite confirming the charges on their end, XXXX required a bank statement showing the charges from me before they would create a ticket - Although they stated they would resolve the issue, XXXX refused to provide me any evidence verifying how many times they charged or refunded my account. 

- When asked directly, XXXX customer support confirmed all charges would be cancelled / refunded and the one-time payment would not be processed. 

XX/XX/2018 - XXXX charged my checking account an additional 4 times on the morning of XX/XX/XXXX. As of the time of writing ( XXXX XXXX ) the 4x charges have not been refunded. ( See p.4 in attached .pdf ) - XX/XX/18 Call 2 - XXXX customer support team lead advised the 4x charges were authorized on XX/XX/XXXX. No such authorization was granted by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my XXXX XXXX  which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX XXXX correct. Under XXXX XXXX XXXX XXXX ( b ) ( b ) Accuracy of report Whenever a XXXX XXXX XXXX prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the XXXX XXXX XXXX shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a XXXX of identity theft.
Product: Mortgage

Rushmore loan management is my mortgage servicer. I have incurred a large property insurance claim from a tornado impacting my home and rendering it temporarily uninhabitable. Rushmore 's handling of the claim is abusive, resulting in greater than one month of Rushmore holding funds after all documents have been submitted to them before releasing them to me with no compensation in the form of earned interest or offset to my mortgage principle ( for reference, Rushmore is currently holding a material amount funds equivalent to 20 % of my mortgage payoff ). Rushmore has made themselves difficult to reach by routing all customers through an IVR which forces them to listen to pre-recorded account statements for several minutes, at the end of which I may find out they are not even open and they terminate my call. Rushmore has sent a letter claiming I need to submit additional documents before they can release funds to my contractor, but Rushmore 's phone agent said this letter is incorrect and they can release funds ; however they have released less than 1/3 of the funds they are holding without giving any reason or process for me to have the other 2/3 of funds released.
Product: Debt collection

MY INFORMATION WAS SOLD TO CREDENCE RESOURCE MANAGE DEBT COLLECTION. THIS COMPANY IS NOW REPORTING FALSE BALANCE OWED OF {$430.00} ON MY CREDIT REPORT DUE TO IDENTITY THEFT. I HAVE ALREADY FILED A FTC REPORT REPORTING THIS INFORMATION, ALSO SENT NOTICE TO FURNISHERS OF INFORMATION TO EACH DEBT COLLECTOR, WHICH EXPLAINS RESPONSIBILITIES UNDER THE FAIR CREDIT REPORTING ACT REQUIRES DEBT COLLECTORS TO PROVIDE REQUESTED DOCUMENTS RELATED TO OPENING ACCOUNTS. DEBT COLLECTOR HAVE NOT PROVIDED THESE DOCUMENTS XXXX XXXX XXXX PLEASE REMOVED THESE ITEMS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft. This letter serves as a formal dispute regarding this account. I have reached out to each company directly and was advised to follow these steps to resolve the issue. I have filed a report with the FTC and contacted all relevant companies. Now, I am disputing the information associated with the fraudulent account. I kindly request your assistance in resolving this matter. XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX Balance owed {$3400.00}. Tried reaching out to the company to inquire further information. I have no knowledge of this company and maintain help insurance.
Product: Mortgage

We applied for a mortgage with AmeriSave XX/XX/XXXX. We were immediately approved for the loan due to our perfect credit and the very favorable loan to value ratio. Since this date, we have supplied all required documents within 2 business days of any request. Over the last several months we have been required to continually submit documents, at times the same documents. We have continually questioned when the closing date will be and are given excuses that either they are working on the loan or have been very busy, all the while assuring us we will be closing our refinance soon. On XX/XX/XXXX we sent an ultimatum to send a closing date with a close before XX/XX/XXXX or provide compensation. We were given a date of XX/XX/XXXX to close and were sent CDs to review. On XX/XX/XXXX I emailed to ask for the time of close and was told that the processor only sent an estimate. When we questioned the processor on this, he told us our loan was not approved despite the loan being approved months ago. We can not get any straight answers and we have since missed out on lower rates while waiting for AmeriSave.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX - XX/XX/scrub>/2024 XX/XX/XXXX XX/XX/XXXX, - XX/XX/year>2024 XX/XX/XXXX, - XXXX/XXXX/2024 XXXX - XXXX/XXXX/2024
Product: Debt collection

My federal loans were transferred to Aidvantage in XX/XX/XXXX. They say I have a payment due in XX/XX/XXXX despite federal loans being frozen until XX/XX/XXXX. I have contacted them multiple times and received no response. 

I would like them to update my account so it is compliant with federal law.
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 transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.