23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I applied for an auto loan and my personal information was given to multiple companies without my knowledge. I did not give them permission to pass my information on to other companies. It has affected my credit score. I want to file this report for unauthorized hard inquires on my credit report.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account BARCLAYS BANK DELAWARE XXXX with an alleged Balance : {$2300.00} and Date Opened : XX/XX/2018 was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Product: Debt collection

Violated the Federal Credit Reporting Act by contacting me repeatedly regarding anothers debt via email and phone
Product: Debt collection

XXXX debt was paid to the original creditor, Capital One, in full. I have no outstanding debt with Capital One, and no reason for XXXX XXXX to continue to claim that I do. 
XXXX. I notified XXXX XXXX that a. the debt was already paid and gave them documentation that showed proof of this payment through both email, chat and priority mail service. b. they continue to incorrectly report an open account with them to all three credit reporting agencies. c. that since the debt was already paid, they had no right to report my account to those agencies. 
XXXX. XXXX continues to report that I have an account with them that is unpaid and open. I have given them verifiable proof, and they are just ignoring it to be malicious. Each of the reporting agencies has verified that XXXX XXXX maintains it has an open account for me for the referenced debt. 
XXXX. As the debt was paid to the original creditor, XXXX XXXX is required to remove their notation from my credit file.
Product: Checking or savings account

Continuation of XXXX Have been repeatedly told that my balance check was mailed to me on XX/XX/2022 and that it could take 7-10 business days to arrive. 

Here we are on XX/XX/2022 and I have not received said check, I do not know of any existent USPS shipping service that takes more than 3 weeks to deliver a ( first-class I assume ) piece of mail. 

Company has been seemingly hesitant to void the mailed check and re-mail me a new one, the sum is XXXX and represents a portion of my savings that I have been needing. 

They will not allow me to ACH the balance out, thats fine. But where is my check? I am inclined to give them the benefit of the doubt, but like any sane consumer, that comes with a mutual understanding and assumption that there is a sense of reasonability in their action towards resolution. I would not be filing this complaint if I did feel there was that mutual reasonability, as the notion that a USPS check mailed from UT to CA would reasonably arrive in <4 days at maximum, and its been over 21 days. Domestic mail simply doesnt work like that, further, I dont understand how and why they would be hesitant to simply void and re mail me a new check given that the original has never arrived in what is now far beyond a reasonable time-frame. 

I hope this compels them to take action and treat me ( the consumer ) with fairness and to concurrently protect their reputation as a financial institution.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : 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 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

Credit acceptance is charging me for a 2013 XXXX XXXX that is over priced and I have high entrance rate and come to find out the car is not worth that much i been tryna to get it removed and I have multiple late payments that need to be cleaned up
Product: Mortgage

I have been trying to payoff my mortgage with ditech and was given a payoff amount that was good till XXXX. Mailed the payment in and it was drawn from my bank on the XXXX. Recieved a call saying payment was not received till the XXXX and that I owed another XXXX. I have called 12 times and have been given different answers from different representatives. I have spoken with a few supervisors that have told me they did receive the payment on the XXXX and would take care of it. They all say that they will send an email to the payoff dept. and that I am not allowed to talk to payoff dept. Recently received a letter stating that payoff was not enough and that I owed XXXX that needs to be payed by XXXX. Sent certified check XXXX next day with confirmation and they do n't have record of it. Received a new statement saying I owe XXXX so I called again. Same answers. They will send an email to payoff dept. I have payed what they told me by the dates required and I want this resolved with excess money returned. They have created a deceptive system because you ca n't get the correct answer from the dept. that should be answering your question.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my consumer report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Experian also makes sure that they illegally update my report with the same inaccuracies each month, knowingly. If an account is closed how is there any way possible that the same inaccurate information is still being updated each month. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have placed hard inquiries on all three credit bureaus without my consent, knowledge, or authorization and I do not have any accounts with them or have done any business with them. Please remove these inquiries as soon as possible. I have contacted these companies via certified mail but no response or action from their part has been taken. 

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 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 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 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: Debt collection

I moved from a house and had a bill. The bill was paid and it was placed on my credit from 2021. A bill collector contacted me stating I owed the bill. I showed my proof of paying the bill and it was placed off of my credit. This year, Bull City contacted me stating it is back on my credit for non payment. This is the second company to come for me about the same bill that was paid. I contacted XXXX XXXX and they have nothing in their system anymore so Im not understanding how its placed on my credit a second time after already removed.
Product: Debt collection

Tower Loan company sent a cashable check and a family member cashed it without my knowledge. This company harassed myself and family members using a threatening manner. They also ran my credit multiple times without my consent.
Product: Student loan

I HAVE SEVERAL STUDENT LOANS WITH XXXX XXXX TO ATTEND SCHOOL AND WANT TO MAKE SURE THAT I AM PROTECTED DURING THIS ACTIVE LAWSUIT AGAINST NAVIENT FORMALLY XXXX XXXX
Product: Mortgage

Sold our home on XX/XX/2018. Temporarily moved to XXXX and had a forwarding order for all mail. Assumed Ditech would mail our escrow refund check to our old address and it would be forwarded by USPS. They somehow updated their records with a new address for us ( NOT AT OUR REQUEST AND NOT A CORRECT ADDRESS ) and mailed the refund on XXXX to that incorrect address. 

Sent multiple emails through their secure message server - it sent me emails saying they received my email and are looking into it but no one ever responded or contacted me in any way. 

Called XX/XX/18 and spoke with XXXX who said she would request the check be reissued and sent to new address. Updated our address ( AT OUR REQUEST ) and stated it would take 7-10 days Called XX/XX/18 and spoke with XXXX. Said she could " see '' the request to issue check but it had not been issued. Stated the deadline was today for reissue. No action XX/XX/2018 called and spoke with XXXX who said it was not reissued yesterday ( their deadline not mine ) and that it " should '' go out this week XX/XX/18 called and spoke with XXXX - she states she can see the request but it has not been cut. 

XX/XX/18 called and spoke with Ms. XXXX - still not cut but again states it " should '' go out this week. It is Thursday already! 

Ditech Mortgage has had {$3300.00} of my money for over three months now and will NOT resolve this issue. This is a very simple transaction of an escrow refund check that WAS NOT CASHED and just needs to be reissued and mailed ....
Product: Credit reporting or other personal consumer reports

The following ( ACCOUNTS ) are being disputed for Id theft. 
XXXX XXXX closed XXXX XXXX XXXX XXXXXXXX XXXX closed XXXX XXXX XXXX XXXX closed XXXX XXXX ( INQUIRIES ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX FTC report ( s ) attached
Product: Checking or savings account

I am a Bank Of America customer. 
On XX/XX/XXXX in the morning I discovered that XXXX large amounts had been charged from my card overnight. I immediately contacted the bank by phone and e-mail to report the fact of illegal use of my card. The bank told me that an investigation had begun and that I would receive the result in 10 days. Exactly 10 days have passed and in the evening ( last minute job ), I've got the result and the result was negative with the following explanation : The charge was authorized by you or made by someone who has permission to use the card or account. 
I did not make these transactions. At the time, I had been in the country for about a month, and was actively working on the basic paperwork for living in the US what's visible by the nature of my spending. It is obvious that the card was compromised and that the purchases made with it are of a different nature than mine. In order to authorize a purchase, customer should have XXXX from the very beginning so I did not therefore someone who copied my cards ' details did it other way. 
The bank did not provide sufficient protection mechanisms, which led to the theft of the customer 's money. The bank failed in its primary function of preserving the customer 's funds. 
The investigation of my complaint was done unprofessional and needs to be re-examined. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I fell behind on my payments because I lost my job and did not have an income until XX/XX/XXXX. I attempted to modify my loan on several occasion with my lender and was never approved. I applied for a modification XX/XX/XXXX and continued to provide all of the documentation needed to complete my review.. On XX/XX/XXXX after having emailed my representative all of the documentation needed to compete the loss mitigation packet, I was advised that the lender would escalate my request to postpone the sale of the property scheduled for XX/XX/XXXX. On the following day, XX/XX/XXXX, I called the lender and again confirmed that the supervisor had requested a postponement of the foreclosure sale. On XX/XX/XXXX, and XX/XX/XXXX I called the lender and again was assured that the foreclosure sale would be postponed. Please note that, I had consulted an attorney and if the lender had told me that a postponement was not going to be approved, I would have filed for protection under the bankruptcy laws. On XX/XX/XXXX, I called the lender and they advised me that no postponement had been submitted, and that the property was sold at foreclosure sale. I have confirmed with the trustee that no request was ever submitted to him to postpone the sale by the lender even though they had over 7 days to process the sale. The trustee advised that he utilizes the XXXX system with the lender, and that a postponement would have taken no more than 10 minutes to submit to his office. I request that my loan be reopened and that I be allowed to modify my loan to enable me to keep my home. The lender lied to me in order to avoid that I filed for protection under the bankruptcy court.
Product: Money transfers

i got an email from this person XXXXXXXXXXXX she pretend she was buying me furniture and said she would pay via a certified check that she mail to me i deposited it to my account then i send money supposedly to the movers in the XXXX to the headquarters. To XXXX XXXX now the bank has place my account on hold because the check was declined. Now i have to pay back all that money to my bank. Whoever this person is scam me!
Product: Debt collection

Today XX/XX/21 I received a letter from Convergent, creditor XXXX XXXX, XXXX to which it says the original creditor is XXXX  to which I never even have any business or accounts with them to which I'm reading is {$6700.00}. None of this is on any of my credit reports or has it ever been. I want the following documents mailed to my home : Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Debt collection

About 3 years ago, it was reported to my credit report that I owed a debt of nearly {$2000.00} to an online lending company ( SpeedyCash ) I never have had business with. 
I am a victim of identity theft.
Product: Student loan

In XX/XX/XXXX, I received notification regarding garnishments for lack of student loan payments. In XX/XX/XXXX, I signed up for the XXXX XXXX Program through XXXX XXXX XXXX XXXX XXXX Maryland ( no longer in business ) and successfully made my required payments. In XXXX XXXX, my employer advised that garnishment would begin on XXXX XXXX, XXXX for failure to pay my student loan, although I was told that completing the XXXX program would prevent this from happening. As of XXXX, XXXX, my wages have been garnished ( bi-monthly ) however, I do not know who the payments are being made to and why my monthly payments through Nelnet are also being required? 

I have been consistently making daily attempts to contact Nelnet with no prevail. The wait times are extremely long two-hours or more and no results. I have filed a complaint through XXXX, and their response is that they have attempted to reach out however, there is no record of that from my end. 

As a XXXX XXXX  teacher in a public school I do not know what else to do as I am unable to endure both a wage garnishment and making monthly payments. 

Help is needed!! 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  ran my credit without my permission this is my 3rd attempt to get this information resolved with no response, SPOKE TO 3 REPS FROM THIS COMPANY AND THE ENSURE ME THAT THIS WILL BE DELETED OFF MY CREDIT REPORT
Product: Debt collection

A few years ago, my ex opened a XXXX account in my name and didn't return the equipment. I didn't know this until I went to try to open a Spectrum account in XX/XX/XXXX. I informed them then that I had no idea what they were talking about. They didn't offer me an option to just pay for the missing equipment. I forgot all about it until flash forward to XX/XX/XXXX and I see that XXXX  has sent me to collections with the organization I'm reporting. Alas, this organization NEVER contacted me whatsoever about the debt and instead just put it on my credit report.
Product: Credit card or prepaid card

I started a dispute. They requested additional information, through mail or secure messages. I submitted additional information online via chase secure messages on XXXX XXXX, 2021. It has been over 90 days and I have not received a response, in violation of the Fair Credit Billing Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with INNOVIS, XXXX XXXX, XXXX the also have records of file the are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX