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

I verify that these inquiries are not mine, nor do i recognize them. I demand that they be deleted and removed. 

Inquiry Source : Experian Inquiry Date : XX/XX/2023 Name : Experian Bus Info Solutions Business Type : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Source : Experian Inquiry Date : XX/XX/2023 Name : XXXX Business Type : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I have disputed this numerous times to no avail. These are fraudulent accounts. Please removed. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Debt collection

I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX ending in : XXXX. The account is a fraudulent and unauthorized account. I have never applied for an XXXX XXXX credit card account. The account and debt isnt mine and dont belong to me. The account has been transferred to XXXX XXXX XXXX XXXX for collections. I have been receiving harassing telephone calls at XXXX XXXX daily from representatives from XXXX XXXX XXXX XXXX using abusive and profane language, making death threats, threats of taking legal action and me going to jail. I informed representatives from XXXX XXXX XXXX, XXXX that I am a victim of identity theft and the account is fraudulent, unauthorized and dont belong to me. XXXX XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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. Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek appropriate remedies as provided for under the FCRA.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Bridgecrest called me on a recorded phone call telling me that they have SOLD my information to XXXXXXXX XXXX XXXX She stated that 2017 XXXX XXXX has been sold. I did not give Bridgecrest permission to sell my information. The XXXX went out on me on a bridge and they knew. I was told by the lady at bridgecrest if i wanted my information I would have to buy it back from XXXX XXXX which I found rude as well as her attitude. All Im asking is that they settle this mess with XXXX XXXX. I just this collection gone off my credit not in a negative way
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference complaint number XXXX. 

XXXX XXXX XXXX in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXX on my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you XXXX XXXX XXXX please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with XXXX? 

Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could XXXX XXXX XXXX please suppress this 30 day credit item from my report on that basis?
Product: Vehicle loan or lease

I am a victim of predatory lending and was told that I am included in a {$550.00} XXXX class action multi-state settlement. By Santander Consumer USA Manager XXXX XXXX ( on a two way recorded conversation which I have in my possession ). 

Santander consumer USA /Chrysler capital refuses to provide a copy of my loan application, nor will they go over it with me ... After expressing concern that information on there may have been manipulated by the dealer, for Chrysler Capital and Santander Consumer USA interest.. 

In addition, I was recently informed that an internal score was used to approve my loan ; which I was un-aware of upon signing the contract. 
Failure of Chrysler Capital/Santander USA to disclose said information ; left me with NO other options to shop with other lenders. Santander Consumer USA/Chrysler capital refused to furnish me with my internal Credit score. 

Although, According to the Fair Credit Reporting act they MUST maintain all information. I believe I was lied to, and taken advantage of. 

Lastly, my APR was NOT disclosed to me during signing on XX/XX/2018 Moreover, they knew I would default on the loan and my first missed payment was XX/XX/2018. XXXX XXXX was XX/XX/2018 2018
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. 

Account name : XXXX XXXX XXXX Account XXXX, Account name : XXXX Account number XXXX, Account name : XXXX  XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name XXXX XXXX Account XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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.

The following Accounts XXXX XXXX XXXX Balance- {$1600.00}
Product: Checking or savings account

i received a {$XXXX} XXXX  transaction. my account balance raised to {$XXXX} and cents. the next morning Navy Federal CU randomly pulled {$XXXX} to cover what they described, on their recorded line, a charged off account. that was a red flag for me.im concerned as to why now they decide to collect, years later, when i am in active debt resoultion, already affected my score, seems predacious and indicative of an unchanged mind state in a company who just had to settle over billions stolen from consumers. they left me with {$XXXX}. 

i went next day to the branch to remove funds from my account to protect my balances. i left {$XXXX} in the account. when i got home, i transferred out about {$XXXX} dollars. the next morning i had a negative balance of {$XXXX} and cents. there was a recurring deposit of {$XXXX} to my investment account. what they did is showed me available balance enough to cover my XXXX  transactions initially. i confidently moved my money around. when i called to inquire the next day, they told me it was my XXXX  {$XXXX} transaction that took me over to negative but that was not the case on the available ledger to me. as i studied the list of transactions, they settled themselves and left me exposed over XXXX  transactions that were already reflecting available balance. 

In my eyes, this is indicative of a company who has no learned or seemingly has not made any course corrections.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I am writing regarding a direct deposit that was issued to my account that does not belong to me. I have repeatedly called customer service to advise them that this direct deposit was incorrectly posted to my account but they do not understand. American Express needs to return this deposit back to the originator as soon as possible. 

The deposit was posted to my account on Friday, XX/XX/2020 in the amount of {$2800.00} from Government Direct Deposit. American Express should check the INDN, this does NOT belong to me and I inadvertently used the funds that were made available. Please debit my account and return it back to the sender.
Product: Credit card or prepaid card

This account should not be furnished on my consumer report nor through your internal system as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY. 

Credit Card : {$690.00} dollars Charge Off
Product: Credit reporting, credit repair services, or other personal consumer reports

there are numerous problems with my credit report and these items are illegally being reported and need to be investigated according to the letter enclosed
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXXXXXX Account number : XXXX  please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I am aware that I am protected by the Fair Credit Reporting Act ( FCRA ). This allows me to dispute and request corrections for inaccurate information on my credit report. In addition, the Act mandates that your bureau provide me with a complimentary copy of my credit report within a specified timeframe following the submission of my letters and Ive never received anything after waiting 30 days. 
Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. 

According to the FCRA, credit reporting agencies are required to maintain accurate and current records of individuals ' personal information. Such mistakes damage people 's faith in the system in addition to being illegal. 
I'm losing a lot of money because of these mistakes. This situation is upsetting me. Though these errors could have been avoided, I've worked hard to maintain my good credit. These mistakes damage my financial reputation ; they're more than just numbers. Because it involves defending someone's rights and clearing a record, I beg you to take immediate action on this significant issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX, there were 3 negative reports on a MEFA student, which XXXX is the servicer, since XXXX. These negative reports were on 2 loans - 1 as 30, 60 an 90 days late and the other 30 days late. These appeared on my XXXX credit report as he was applying for a home loan. As primary borrower on these loans, they were on my credit report also. 

I began contacting the Customer service department of XXXX, in late XXXX, to dispute the late charges, as I had been paying the company, along with my 2 co-borrowers and did not believe we had been late. 

This entailed many conversations with CSR for XXXX, directing me to complete a dispute report, which I did do. The first one was denied quickly through the mail and their portal via a form letter. At this point these were the only late charges on our 9 loans which we had 5 for my son, and 4 for my daughter. I spoke with more CSR people, filed another dispute, added more documents and our record of payments. Still denied. I kept contacting the company as i did not agree. Then they recommended a reapplication of the payments to fix the problem as they could see I was making regular payments, The first re-application resulted in more negative credit reporting on loans which were not noted as late before. I called them asking what had happened? I spoke with more Representatives. They did a second reapplication of the funds. These funds of course were payments we had made, they were just re-applying them. On XX/XX/XXXX when the second reapplication was conducted- they added addtional late payments, with XXXX loan stating it was late for 10 months in a row beginning in XX/XX/XXXX- through XXXX of XXXX. 

This is all erroneous and caused by them reapplying the funds, which had been received and not been late. I want the erroneous reports removed and not one person has assisted in a way to assist me the consumer. Everything that they did, added negative credit reports to my account. Which i have been paying regularly. They keep adding additional interest owed with each reapplication of the payments. 

This company has numerous complaints like mine. I would never do business with this company by choice. We will refinance these loans, but need this credit reporting cleaned up before my children can refinance them. 

Any assistance which can be provided to me would be helpful. I intend to file another credit dispute, but their system only harms my credit, without any resolve to my request. 

Thank you and I look forward to hearing back from someone, XXXX XXXX ( my name on the loans is my previous name XXXX  )
Product: Mortgage

I applied for a refinance through Caliber Home Loans, my existing Mortgage provider, in XXXX XXXX. This originated from a cold call from them to me and I only started this process because I had considered doing a refinance to complete some home improvement projects sooner than I had planned. 

Caliber has since added additional requirements and at each stage, when I have provided everything asked for, or available, a new criteria has been added. 

Now they are DEMANDING that I produce a relative who does not live in my home, and provide contact information for them. When I informed them that the only one I could think of was estranged, and repeated attempts to contact him failed, I provided the information for my child 's mother. 

I was told that this was unacceptable and it was required to be a relative, and since I mentioned that I have a child, I am now required to provide " all pages of documents ''. I have asked what " all pages of documents '' means and advised that if they were implying some sort of court order, that one did not exist and I could not prove the " non existence '' of something. 

The response was that if I did not comply with their policies, they will not process the loan. No response to my questions has been provided. 

This is after a considerable monetary investment of time away from work and out of pocket expenses for appraisals and inspections. 

This is discrimination based on family status and considering that this company had no problem accepting payments for the past XXXX years, they are actively denying a loan based on criteria that has nothing to do with the ability to repay a loan. 

I have the entire email thread to support this.
Product: Debt collection

XXXX the lawyer or Action collection levied my bank account five months ago. These monies have still not posted to my account. XXXX office said the monies are with XXXX investigation and they say the monies are with action collection. It has been five months sense the took my money from my bank account, XXXX number is XXXX Action collection number is XXXX XXXX investigation number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The only letter i got from this company was from civil court. I sent the company a debt validation letter which this company has failed to reply so im seeking compensation for the damage that have been brought to my name.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and notice that I have some hard inquiries that, I did not Authorize ACCOUNT note loan XXXX ACCOUNT Installment sales contract XXXX ACCOUNT Auto loan XXXX ACCOUNT Secured XXXX ACCOUNT credit card XXXX ACCOUNT Installment business personally XXXX ACCOUNT Auto loan XXXX ACCOUNT XXXX
Product: Mortgage

Dear CFPB, My name is XXXX XXXX, and I have a great concern pertaining to my loan.My loan has beeb closed since XXXX. Shellpoint Mortgage Loan XXXX XXXX holds the loan now and is still charging me payments.. On XX/XX/XXXX, I will be sending Shellpoint via certified USPS mail legal documents of displaying SATISFACTION OF MORTGAGE NOTE AND LOAN MODIFICATION recorded here in XXXX XXXX XXXX XXXX, Florida. I am requesting a full investigation for possible mortgage fraud pertaining this matter. I had previously filed complaints on XXXX XXXX, and XXXX XXXX fpertaining mortgage issues. 
XXXX XXXX LOAN # XXXXXXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

My wife XXXX XXXX mistakenly overpaid Discover billing of over {$16000.00} in XX/XX/XXXX. After the Discover Credit statement came on the beginning of XX/XX/XXXX, finding the mistake my wife had contacted Discover Card customer service on the week of XX/XX/XXXX and requested a refund check back. We have been promised on the week of XX/XX/XXXX that we should get a check sent to our home in three weeks by Discover Customer Service on XX/XX/XXXX we had contacted Discover Customer Service ( CS ) and was told the check should be there Monday on XX/XX/XXXX. A statement from discover came, but no check. Contacted a Discover CS supervisor and he had found that a check was started and then dropped. The supervisor offered a {$15.00} transfer fee to wire to our bank, because he said this should never happened and it should be no longer than two days for wire transfer to my bank at XXXX XXXX XXXX XXXX. I had contacted a CS supervisor on XX/XX/XXXX was it could take three days for wire transfer on Friday XX/XX/XXXX a supervisor put me on hold for an hour and came back to say he could not find out anything and would keep on top of it, asked for my phone number because he was sure to call me back ; he never did. One time I called after that and received a message about you won a free cruise because of a survey, all I had to do was to pay port fees and then the phone line went dead. Other attempts were made to get our money back to no avail. The latest Discover would give a time line when we could receive our money back and stated " We must follow certain guidelines when a credit balance refund is requested on an account. ''
Product: Debt collection

I terminated my service with XXXX in XXXX 2015 due to dissatisfaction with their billing. They sold me a digital receiver and offered a refund when the analog receiver being replaced was returned. Never received the box to return the old receiver, and when called, they denied agreeing to the refund. I had verbally agreed to extend my contract for two years. So I cancelled my service. I got a " termination fee '' bill of {$380.00}. I was aware of XXXX Revised Statute 44-101 ( 5 ) which states that a verbal agreement not to be performed within one year is unenforceable. Since I never signed the agreement, I wrote to XXXX on XXXX XXXX, 2015 advising them of the statute and the unenforceability. Then I began receiving robo-calls from Focus Receivable Management in XXXX ( XXXX ) asking me to call them. I did receive three calls from employees, and I refused to discuss my personal business with an unknown party. I told them I would respond to a written letter, but not to a phone call. I have yet to receive a phone call, and I only guess the location of the company based on a XXXX search. I realize under federal law ( Fair Debt Collection Practices Act ) I can only stop the phone calls by written notice, but I have no location info to send such a letter. Please help me stop this harassment.