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

Please see original complaint ID XXXX. This issue is not resolved. I demand to know the method of validation and verification that was used to verify these unauthorized inquiries. " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY '' is not a valid response to investigate the cause of my unauthorized inquiries. Furthermore, in my original complaint, I also advised I was provided incorrect information from employees at Equifax, this issue was also never addressed. My complaint was closed by Equifax without fully investigating my complaint and coming to a resolution. 
Below are the unauthorized inquiries. I need to know the method of validation that was used to confirm that I authorized these inquiries, if not under FTC these need to be removed. Inquiries in question are the below XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX  XXXX, XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX ( XXXX ) 2. XXXX/XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX   ( XXXX ) 7. XXXX XXXX XXXX ( XXXX ) 8. XXXX XXXX ( XXXX ) 9. XXXX XXXX XXXX ) 10. XXXX  XXXX XXXX   XXXX ( XXXX ) 11. XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion credit report, under Public Information, there is a State of Maryland tax lien that has been reported since XX/XX/XXXX. I have been challenging this item for years, because the lien may list my correct name, but it does not list my correct address and does not list my social security number or my birth date.  The credit bureaus are only verify my name, but are not verifying other identifies such as address, SS number and date of birth as required by the law that went into effect in XX/XX/XXXX.  I have been fighting this for several years and I cannot afford to have this on my credit report, especially if the information is not correct.  I have been able to have it disputed and removed from the XXXX and XXXX credit bureaus, but TransUnion is not doing a thorough investigation.  Please help me get this resovled.
Product: Mortgage

I have a VA loan with Ditech who has been misapplying the additional money that I have been paying since they took over my mortgage. I did not initially notice it because I was only paying a small additional amount over the monthly payment. However, over the last 5 months I have been paying over {$1000.00} additional to pay down the Principal of the loan and noticed they were holding the additional money in what they call a UF. It would stay there until I called in each month to tell them that each should be automatically applied to the Principal. When they would reallocate the additional money, they are suppose to apply it to the actual date that it was received, not the date I called in to report it. However, they continue to do this. My VA Loan contract in Section 2 states that any additional money over the payment should automatically go to the Principal of the loan unless there are other charges, e.g., late fee. I have never been late. 

I went through the XXXX to complain and was not satisfied with the response since they still did not abide by my VA Loan contract nor make the corrections. ( I have attached a copy of Ditech 's response to my XXXX   complaint ). Additionally, my Certified Public Accountant performed an audit of my account in response to Ditech 's response which I have sent to the XXXX. 

I understand that the CFPB organization is the one that handles situations with mortgage companies and can investigate reported complaints. I am a XXXX veteran and hope that you can assist in getting this issue resolved.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHEMENTS - I JUST CHECKED MY CREDIT FOR THE FIRST TIME AND REALIZED I HAVE BEEN A VICTIM OF THEFT AND DATA BREACH THERE ARE INQUIRIES THAT ARE NOT MINE NEVER APPLIED AND FILLED ALSO AN IDENTITY THEFT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE HELP ME THIS IS WRONG
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX Account # XXXX {$260.00} I have no knowledge of the account above and currently have a fraud protection on my credit report.. I reached out to the debt collector and tried to dispute the unknown item and did not get any validation stating that I owed the account above.. I received no help item was not removed or verified
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I have an account with gemini, and they suddenly froze my account. I have attempted to reach out to them, they keep asking me to send pictures of myself with my ID for verification. I have completely done this verifications for about 4-5 times without any response from them, I would like for them to reactivate my account, or return my funds, I'm scared that I would lose all my money and this is creating a lot of tension in my family, I need my money back. I was able to log in earlier but now I can no longer log in because my account is frozen and I dont know why, please help me get into my account so I can withdraw my money back thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX XXXX price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order XXXX XXXX  proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, XXXX XXXX continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. XXXX XXXX not only repossesed my vehical on X/XX/17 when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. XXXX XXXX has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on X/XX/2017 and validation of the current debt that is being reported to my credit.
Product: Checking or savings account

Im submitting a complaint against Navy Federal Credit Union regarding multiple overdraft fees Ive 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 balances despite initially available funds. I believe these practices are unfair and request an investigation into my transactions on my account.
Product: Checking or savings account

XXXX some time I opened an account and an unauthorized charges was in there and my password was changed and couldn't get into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

XXXX XXXX # XXXX LATE PAYMENTS XXXX XXXX  # XXXX ONE LATE PAYMENT XXXX # XXXX XXXX XXXXXXXX XXXX FOR {$3400.00} XXXX XXXXXXXX # XXXX FOR {$8300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FOR {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I received a letter from the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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, credit repair services, or other personal consumer reports

I called equifax numerous times. I demand these inquiries because removed immediately as I never authorized or gave my consent.
Product: Vehicle loan or lease

The customer service reps call on a daily basis. It's complete harassment in my opinion. I don't know if their extremely bored in the Office but I don't wish to get to know these people on a personal basis.
Product: Student loan

XXXX, the corporation taking over my student loan from Navient, says they " do not yet '' have my loan. I am unable to login, nor did the customer service agent find my acct. despite widely reported assertions that all loans had been transferred as of the end of XXXX. They said I needed to wait for the " welcome package '' and stressed that I did not need to make a payment until XXXX! My credit has been so often dinged due to misreported student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have determined that there are some creditors listed on my credit report that does not belong to me. I have listed it in the report. Please remove them.
Product: Debt collection

This company has made harassing phone calls to my husbands family who I have no relationship with about a debt that was removed from my credit report due to identity theft. They made a false statement to those individuals and told them that I listed their information on an application as an emergency contact. This is completely false as I do not have a relationship with these people. They also claimed that they have a returned check from me, again this is a false statement as I do not own a check book or write checks. They have no authorization to contact me or any member of my family on my behalf.
Product: Credit reporting or other personal consumer reports

The account was listed as charged off in XX/XX/XXXX, but has been reopened and reporting inaccurate information as of XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied online through a group of advertisers for an installment loan. I have not taken a loan out with this company. They called me 7 times on XX/XX/XXXX at work back to back and again 3 on XX/XX/XXXX. If I answer they hang up. I have sent an email requesting they stop calling my place of employment. I have called them on my personal phone and spoke with someone who said they would stop calling yet they continue to call my work phone number. Its like they have me on auto dial. I need them to stop contacting my place of employment
Product: Debt collection

On XX/XX/XXXX, I logged onto the XXXX website and saw Collections from Sequium Asset Solutions that I know nothing about that have negatively affected my credit score. I have been a victim of identity theft since XXXX and I made a report on XX/XX/XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to remove my credit freeze again tonight online. I was asked to verify some information. I answered the questions correctly. At no time was I asked for the security code that I was provided when placing the freeze. I was denied access. And asked to mail verifying information. Which I have mailed previously. Then I tried to call to lift the freeze. During the call I was asked the pin number. I provided it. And was able to remove the freeze. I should not have this much trouble getting access to my file. Also Experian ( or XXXX ) sent a letter saying that I requested not to receive pre-approval offers. I did no such thing. If it was this bureau. I request that it be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only have 3 accounts on my credit report and the balances are never accurate. I'm XXXX and most purchases are from online shopping. When stores issue credit back, I must call and babysit until completed. It took XXXX from XX/XX/XXXX through end of XXXX to credit card from XXXX purchase for damaged table. Despite XXXX crediting account back in XXXX. This caused a discrepancy of over {$200.00}. I recorded all phone calls as I am XXXX. I used the card in XXXX XXXX $ is the balance for XXXX.and currently. This impacted my scores across all 3 bureaus. My checking account has been at XXXX since moving to GA in XX/XX/2007. Next is XXXX and XXXX. XXXX closed old card and opened new card due to card not working and balance report issues. It's on autopay and secured. After payments. It takes minimum 72hrs to  post to account. Balance is incorrect. Its {$97.00}. XXXX balance is {$190.00}. Both decreased every month haven't used them. Excellent pay history! However my score has been going down every month. Please assist! I think because I'm XXXX and a XXXX once my scores were above XXXX they started going down despite my perfect paying history and sending in statements and calling these rude agents who make my tremor start. Its crazy! Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX XXXX is reporting to my credit report as Account charged off. {$580.00} written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that i could file this ordinary income.They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX {$240.00} XXXX  XXXX {$2100.00}
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a payment for {$120.00} on Venmo to a person ( with whom I have no dispute ). That person subsequently refunded my money to Venmo. I have an email from Venmo, dated Tuesday XX/XX/2024, acknowledging these facts. 

Venmo, though acknowledging the above, indicates they plan to keep my money unless I " verify ''. Even if I gave them my social security number and bank account information, they could not " verify '' anything, since they did not have them before. 

Venmo has made clear they plan to steal {$120.00} from me. I want it refunded to my XXXX spend account, which they acknowledge is where it came from. I refuse to give them any additional personal information.
Product: Debt collection

Rmp Services LLC Illegally put a fictitious medical debt on my credit bureau as collection when I called the hospital ( XXXX XXXX XXXX  XXXX XXXX ) that they claimed I owed money to the hospital told me I never owed that amount that my insurance covered all and I had a remaining balance of a co-pay of {$50.00} which I paid already and I have the receipt. And I do not have a bill similar or close to the amount Rmp Service put on my credit bureau .RMP Swervice LLC stated on my credit bureau that I had a collection of {$1600.00} when I called them she collected my Social Security number without even asking any other information and hung up the phone after I gave it to her.
Product: Mortgage

I asked Ocwen for a modification to bring my mortgage current after dealing with health issue. I made 3 trial payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as per the agreement. In XX/XX/XXXX they informed me that they were finalizing the modification document. Again in mid-XX/XX/XXXX i was told the same thing and I told them I needed the agreement to read and sign before I could make my new payments. I finally received the agreement on XX/XX/XXXX. The agreement said my new balance was {$72000.00} and a balloon payment of {$56000.00}. By then they said they would not accept my payments. They then informed me that PHH Mortgage services were the new servicer beginning XX/XX/XXXX. PHH informed Iowa XXXX  XXXX that I was not eligible to do anything but short sale or foreclosure.
Product: Checking or savings account

On XX/XX/2024, I reported to American Express Savings that a substantial amount of money was missing from my savings account. After 5 hours of discussion and answering many questions, I was told they would begin a fraud investigation into allowing unauthorized debits to my account.
Product: Student loan

I called Wells Fargo student loan department because I have a 30 day late payment on my credit. My daughter went on line got her balance and went into a branch to pay off her students loans. The clerk at Wells Fargo assured her the loan was paid off, however, it was not. There was daily interest that she was not aware of. I want them to remove the 30 day late from our credit. I called them and explained the situation and received a letter today stating they found the information accurate. When an employee from Wells Fargo tells you your loan is paid in full, you automatically assumed that it is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not compliant with their investigation The operators are not allowing me to explain show them The law that they are violating there are an authorized Account on mine consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I went thru the steps to legally change my name to protect my identity. As part of my legal name change, I notified and took the needed steps to change my name with the New York State drivers license office and the Social Security office. I also took the steps to change my legal name with the United States Department of State and received an updated United States Passport Card. See attached # 1 for my updated IDs. 



I have notified Experian a number of times in the past about my name change. At one point, I thought they changed my name like XX/XX/XXXX andXX/XX/XXXX did but now I think they did not. I recently applied for a new credit card and the lender pulled my Experian credit report and then denied me and told me I had no open credit reporting. This is wrong, I have open credit. This led me to obtain my credit reports to review them last month. Based on these XXXX credit reports, I confirmed XX/XX/XXXX and XX/XX/XXXX are accurately reporting my new name and they are reporting my open XX/XX/XXXX credit card. I opened my XXXX XXXXXX/XX/XXXX card in XX/XX/XXXX, and I maintain a perfect payment history with them. See attachments 2-6. 



In viewing my XX/XX/XXXX Experian credit report, I noticed they still have my name wrong. They have my old name reported, XXXX XXXX. I have disputed this wrong name with them in the past as well as provided them with proof that this is no longer my name. This report also confirms that I have No open accounts reported. See attachments 7-9. I do have an open XXXX XXXXXX/XX/XXXXcard. XXXX XXXX confirmed to me that they are reporting my payment history to Experian. I believe Experian is not accurately reporting my XXXX XXXX credit history since they have failed to update my legal name and as such, they are not reporting my open credit. 



I need Experian to update my name and for them to report any accounts I have open now, or in the future, on my credit report. Their lack of fixing my name is causing me to get denied for new credit that I need. I have attached all the information needed to see how their reporting is in error.