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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7700.00}.
Product: Credit reporting or other personal consumer reports

Under Basic Right of US Citizen. I need to have accurate information on each and every line same on 3 credit report agencies.

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will Sue all credit report agencies. Delete and send me copy of report to house address.
Product: Student loan

XXXX-Mohela over paid my student loan with XXXX in the amount of {$1100.00} XXXX  stated they sent the credit back to XXXX-Mohela, however, XXXXMohela has only allocated {$500.00} to my account, resulting in a balance owed to my account in the amount of {$680.00} XXXX-Mohela has asked that I work with XXXX to get the appropriate information, however XXXX will not release the information to me directly as the credit check that was sent to XXXX-Mohela includes other individuals. 

XXXX is willing to work with XXXXMohela, but XXXXMohela needs to contact XXXX directly for the information that they need.
Product: Mortgage

We took out a mortgage on our home with Regions Bank XX/XX/XXXX. They applied the PMI Insurance because we did not have 20 % down. The purchase price of our home was {$220000.00}. We financed approximately XXXX.. 

We have paid down our mortgage in the last two years and now owe XXXX..  Regions Bank refuses to remove the PMI Insurance unless we pay {$420.00} to have the home appraised. 

We received correspondence from Regions Mortgage on XX/XX/XXXX, that the loan to value of the original home value must be 80 % or less to cancel the PMI. We are currently at 47.6 % and they refuse to cancel the PMI. 

In the same correspondence they stated that the PMI will automatically terminate on the day the principle balance of the loan is scheduled to reach 78 % of the original loan value.
Product: Student loan

I am a XXXX, and I have XXXX for 14 years. When the PSLF program rolled out, we had a brief information session, so I learned about it about 10 years ago. 
I contacted my loan provider, at the time, I paid XXXX XXXX. I contacted XXXX XXXX and told them that I wanted to take advantage of the PSLF, and I was told that I had to make payments for 10 years. I continued to check periodically by calling XXXX XXXX. I trusted the company and never took notes of who I talked to or anything. 
Anyways, in 2017 I found out that my loan servicer was Navient. I contacted Navient, and I was told that they had no records of my loans. Then after about a week of calling, my loans were found, and I was told that there was no record that I was trying to take advantage of the PSLF. Therefore, all payments made did not count towards the program. I was told that if I wanted to take advantage of the program, I had to consolidate my loans and start over on payments towards the program. 

Basically, I trusted the system, and I feel like I attempted to do the correct process, and because Navient did not have records written, I have to start over on the process. This is not fair. I feel like I should have been directed better 10 years ago about my wrongdoing instead of now telling me that - just kidding, you do n't qualify because you did not fill out paperwork. At this point, I think Navient should consult/advice their clients better, and I think Navient should take responsibility for giving incorrect and/or insufficient information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has done an Unauthorized Hard inquiry XXXX. 
This was not requested by me. I have tried to resolve this over the phone and was told to make a report.
Product: Credit card or prepaid card

On XX/XX/2016 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Debt collection

Bank of America desist has violated x 15 USC 1692 by continuing collection activity after a cease and and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

Portfolio Recovery is calling me repeatedly from various phone numbers in an attempt to collect debts that were discharged and well beyond the statute of limitations. I currently have no outstanding delinquent debts. They have texted me, called my personal phone & business phone.
Product: Credit reporting or other personal consumer reports

I have call and sent out 2 request by Certify mail to XXXX XXXX  request for verification for debt on this date first delivered XX/XX/XXXX at XXXX second request delivered at XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX did not respond or send me verification of the debt Instead, they sent me a settlement letter on XXXX To settle And then change the original charge off date XX/XX/XXXX that was on my credit report to XX/XX/XXXX and adding more incorrect Information on my credit report it have been over 30 days and I have not receive The proof of verification, so For this debt so Asking for this to be removed off my credit report on the fair act Credit reported enclosed Is my XX/XX/XXXX Credit report Report number # XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : XXXX. The following account is NOT MINE : XXXX XXXX XXXX Date opened : XX/XX/XXXX, account # XXXX XXXX. The following account is NOT MINE : XXXX XXXX XXXX XXXX, account # XXXX Date opened : XX/XX/XXXX Please remove it from my credit report. XXXX. The following account is NOT MINE : XXXX XXXX XXXX  Date opened : XX/XX/XXXX. Please remove it from my credit report. XXXX. XXXX XXXX XXXX, XXXX opened : XX/XX/XXXX, account # XXXX. Please remove it from my credit report. XXXX. XXXX XXXX XXXX, XXXX opened XX/XX/XXXX, account # XXXX. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off my XXXX XXXX credit card leaving a XXXX balance. As I closely monitor my credit file ( for good reasons ) I checked my credit report from Experian 7 days later and notice they are still reporting a balance on my credit card. I noticed XXXX XXXX and they stated they reported a XXXX balance to the all there credit reporting agency they used no later than 3 days after the account was XXXX balanced. We are not 21 days out and Experian is still reporting a balance ( incorrectly ) on my account. Furthermore, they are also showing an outstanding debt /or collection account from XXXX XXXX from XXXX. This is 8 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle thru XXXX XXXX and XXXX yrs into the loan thru XXXX XXXX I find out that there where XXXX different contracts with XXXX different amounts that I was totally unaware of the one XXXX XXXX has that the dealership sent to them with my signature fraudulent activity using my signature but not from me I made both the dealership and finance company aware of this and they rapidly blamed each other and the dealership also refused to show me any proof of my purchase or contract I was told the car was brand new and that I was sold a extended warranty that I later found out was not true on the contract the finance company had as well as a vehicle I had I plan to trade to the dealership was showing in the contract as a trade when I actually was told by the sales guy they won't be taking my trade I went to the dealership with the finance company on the phone and was treated so bad I cried they kept saying that the finance company had gotten my contracts confused with another company the lady at the finance company was hearyhim say this and told me he was being recorded and to stay calm but later they both have yet to fix issues also the transmission had went out six months after i purchased but kept being told due to COVID-19 i cant get in for repair then later i discovered this because i had the fun company send me there copy when i notice the amounts where off during attempting to make a payment over the phone with a rep who later sent me a copy of the ond they where sent please help me i am mentally exhausted heart broken I honestly went to the dealership trying to better my financial future and it made my worst nite mare a reality please help i am in the process of tryin to fix my credit and this is not right thank you to whom this may concern
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On, XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately XXXX XXXX of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Credit reporting or other personal consumer reports

I am writing to formally report the unauthorized use of my personal information, which has resulted in fraudulent credit inquiries and attempted account openings in my name. These actions constitute a violation of federal law under 18 USC 1028 ( a ), which addresses identity theft and the fraudulent use of identification information. 

Specifically, on [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I became aware that several attempts were made to open accounts using my personal information without my consent. As a result of these attempts, numerous hard inquiries have been placed on my credit report by the following institutions : XX/XX/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 XXXX XXXX XXXX I did not authorize these inquiries, nor did I apply for any credit with these institutions. This fraudulent activity has adversely impacted my credit score and financial standing. The unauthorized use of my personal information for the purpose of opening credit accounts and initiating inquiries is a clear violation of 18 USC 1028 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

GM financial appears on my credit report. The info is incorrect is not mine and despite many times now asking for it to be removed the bureaus investigation is never done correctly or at all so items never go away or reflex proper info
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documents to early warning services about the bank account open in my name at XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I already mailed to early warning services a month ago including a police report, fraud adavitt, and signatures of mine notarized and sent to early warning services they did the investigation and found it was accurate. This was not right. I am not the owner of this account it was open fraudulently.
Product: Money transfer, virtual currency, or money service

Checks valued at a total of around {$15000.00} have been stolen from my mail and deposited at the Navy Federal Credit Union ATMs at XXXX XXXX XXXX in XXXX Maryland on XX/XX/2022. The endorsements are obviously false ( the thief even used his own name and made up a fake name for the company owner ). Navy Federal has refused to reimburse me, even though they gave my money to the thief, and have told me it was clearly a fraudulent deposit, and I gave them a valid police report. I have gone to the branch and spoken with a manager, and called the fraud hotline, and all have refused to take responsibility for reimbursement, even after acknowledging the fraud. They told me I would need to have the companies which originally issued the checks file a claim. One of the companies ( XXXX XXXX XXXX XXXX has done so, but the company which issued the XXXX check ( XXXX ) is unresponsive. 


The worst part of the situation? The thief has done this to multiple businesses, and always deposits checks at this particular Navy Federal ATM ( I was referred to other victims by the detective working the case ). The total amount stolen from the other business is over $ XXXX
Product: Debt collection

Several weeks after a XXXX, a partner in the medical practice ( not the doctor who treated me ) called me and insisted I meet him in the ER. He then called my insurance company and insisted I needed " observation  ''. I sat in the waiting room, without knowing why I was there, for several hours while he convinced the insurance company that I needed further care. He insisted I be admitted  to the hospital where unneeded and XXXX  XXXX tests  were performed. One of the nurses told me that because I have XXXX in addition to my primary insurance, it didn't matter how long I stayed in the hospital. After they XXXX my XXXX  several times during a botched and unnecessary procedure, I finally called a physician outside XXXX system who advised me to ask for a copy of my medical records. An attending nurse wrote the request on the white board in my room. When yet another doctor in the practice saw the note, she said " there's nothing wrong with you, is there? '' and she signed immediate release papers. The nurse literally threw my clothes on the hospital bed and told me to call them when I got home to ensure I arrived safely. Thus, I must have gone instantly from half dead to a get out of here and fend for yourself status. I have tried in vain to get a detailed account of the billing, but the hospital and the doctors have both refused the request. My understanding is that 8-10 departments in the hospital charged an Observation fee of $ 800-1000. The surgical group tried to file a false XXXX claim but it was rejected. The hospital has refused to file a claim with XXXX. They just want me to pay for this scam. A complaint to the hospital was buried by their Quality team and the representative there who was handling my complaint had a colleague call me to say she was too busy to talk to me. This is fraud, unfair and deceptive, and the greedy, inept doctor who did this is a danger to the public. Several people were assigned to look at various aspects of the complaint and one of them sent me a letter stating that the doctor in the practice who initially treated me agreed that everything went well and there was nothing wrong with me, so the big question is why did a random physician in the practice contact a patient he had never seen and fail, from the beginning, to respond to that patient 's repeated questions about what was wrong. Why hold a patient in the hospital with the intent of billing XXXX, then fail to actually file a XXXX claim -- no doubt it's because the patient called their bluff on the fraud. If the hospital has refused to participate in the billing fraud, the doctor who perpetrated the scam should pay the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the account that I had with them inaccurately. Equifax is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Preferred Lease has reported my account as delinquent for 90 days with a balance of XXXX . However, I have made no late payments and was offered a furlough payment in XX/XX/XXXX. I paid off my balance in full in XXXX and the company reported my account as settled and delinquent. This information is not correct, I did not settle, I paid the full balance in full on XX/XX/XXXX, earlier than my leasing end date. They immediately made a report to the credit bureaus only 6 days later that this account is settled and delinquent. I have been in touch with the company and they stated that they would " look into this '' and I should hear something within 30-60 days. This has hindered me from closing on my house. If they were so quick to report inaccurate information, then I believe that they can quickly fix this error. This is a criminal act of inaccurately reporting my credit, hindering me from obtaining any future credit or closing on the house.
Product: Checking or savings account

My wife and I opened a joint account at Citizens on XX/XX/2023. 

As our first deposit we decided on an external transfer from my wife 's bank ( XXXX XXXX XXXX ) for {$1500.00}. The online Citizens account was in my name, and it turns out the bank to be transferred from also needs to be in the online account holder 's name, so the transfer did not go through. Fair enough. This was on XX/XX/XXXX. 

As I write this, we STILL have not been able to get our money either returned to XXXX XXXX XXXX or put into the joint Citizen 's account. We have spent over 15 hours on the phone with Citizen 's reps or waiting. We have heard half explanations, confusing explanations, partial explanations. We have put XXXX  reps on the phone with Citizens reps, TWICE. We were told to submit a claim and that this would surely resolve the issue, absolutely. I called a week later to find out that the claim was denied. And that all we needed to do was get a form from XXXX XXXX XXXXXXXX. Turns out that was wrong too ( We have heard consistently from XXXX that it is Citizens that needs to act ). I am speaking now to another supervisor, who is friendly and well meaning, but clearly not able to help resolve this issue. We were told that after 30 days, the money should be returned to the originating bank. This has also failed to happen. 

Citizens appears to not have any avenue for us to resolve this -- you can only chat or talk to online account reps apparently, there is not email to reach, and no one seems to know definitively how to resolve the issue. 

We simply want our {$1500.00} transferred back into my wife 's account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts reporting.