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

At the time this agent from XXXX XXXX  was filling out an application for my husband, he said he needed my information because we are married and that the loan would not be in my name and only in my husband '' s name. I didn't want it in my name or on my credit. I soon after got a credit alert that showed that I applied for a loan in my name with EnFin Corp. On numerous occasions we tried to reach the agent to find out why this showed up on my credit this way and to date, he has not responded. My husband also called the EnFin Corp to find out why the loan is showing up in his wife 's name and not his and asked that my name be taken off because it's not his wife 's loan and that it's his loan. I want this fraudulent act removed from my credit report because I did not agree to this and I did not apply for a loan and I don't want to be responsible for something I didn't agree to. Also, it's affecting my credit score because it's showing that I'm over 30 days late on a loan that's not mine. Please investigate this asap so it can be removed. Thank you.
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open : XXXX XXXX XXXX {$1400.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$1700.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$1300.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$860.00} Date Open : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I Called to WELLS FARGO to bring to there attention a fraudulent account that has been opened in my name, I expsanded that I recently discovered that a credit card account has been created using my personal information without my consent or knowledge. 

The account in Question does not belong to me, as it is associated with an incorrect name and address. I requested that immediate action be taken to close the fraudulent account and ensure that it does not affect my credit report. 

To assist in this investigation, I am providing the following documents ; ( 1 ) Copy letter from WELLS FARGO, with wrong name and address of card holder ( 2 ) Copy of Valid CT Drivers license, ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$4600.00} and nothing was done to remove XX/XX/XXXX {$21000.00} and nothing was done XX/XX/XXXX {$19000.00} and nothing was done XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX
Product: Debt collection

I, the consumer received a disrespectful debt collection letter from NATIONWIDE CREDIT , INC. attempting to collect a supposed debt. The debt collection letter stated that Nationwide Credit , Inc. is a debt collection company. With that being said, Nationwide Credit , IncXXXX are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Nationwide Credit , IncXXXX violated 7 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Id number Credit Reporting agency ; XXXX Called in On the following date- Monday XX/XX/2019. Spoke to an Credit dispute department at chase per phone call, the agent did agree, the Banking details where place incorrectly / there was a call of correction that were made Prior call give indication payment was process as a ( Payment missing digit ) was told by chase agent that late fees where removed/ and was told it wouldn't update or report. to Credit Reporting agency and awardances of XXXX airways points would be added to my account as well. As it show there are no late fees are payment reversal fees they have been Corrected and Credit. The reason for my contact by internal Message is to reqest the removal of these late payments on the Credit Report. As you may review the account all payments are up to date. everything has been Correct the most important Correction would be to the Credit Reporting agency. As it shows perdate of XX/XX/2019 potentially damaging update this card has provided me an Great travel experiences. and with my great payment history for the past 10 years of Credit history, I would like to continue the usage thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX - partial account number XXXX. ( Please see pages 9 and 11 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number : XXXX, XXXX XXXX Account opened on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX under the account Number : XXXX, XXXX XXXX under account number XXXX, XXXX XXXX XXXX XXXX  under account number XXXX, XXXX XXXX XXXX  under account Number XXXX, XXXX XXXX under account Number : XXXX, XXXX under Account Number : XXXX, XXXXXXXX XXXX under Account Number : XXXX, XXXX XXXX XXXX XXXX account number : 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. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. And the address XXXX XXXX XXXX XXXX which is associated with my credit profile needs to be removed and updated to XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I am also attaching my ID to prove my correct and only address
Product: Credit reporting or other personal consumer reports

Sent in disputes for 4 accounts that were reporting inaccurate information. Nothing happened. The 4 accounts are still reporting on my account. I understand that your company is required by law to report accurate information on a credit report. If the information is found out to be inaccurate or wrong, you are supposed to delete the information from my consumer report immediately. The accounts need to be deleted, or I might have to contact someone to proceed with other action to protect me and my credit.
Product: Mortgage

The loan company Specialized Loan Servicing located at XXXX XXXX XXXX # XXXX in XXXX XXXX CO has been carrying my loan for the past XXXX years. I have requested this company to provide me with a copy of all the records and documentation of my loan sinceassuming the loan from XXXX XXXX XXXX. I have submitted XXXX requests in writing, but the company had ingored my request and is refusing to provide the documentation I have requested. It is my understanding that financial institutions are requred to provide any and all documentation of any loan transaction upon request. SLS is completely ignoring me and refusing to respond to my requests. What can I do?
Product: Debt collection

Ive asked repeatedly for this company to stop calling me. I am not the person that owes any debt. I am the original owner of this phone number and no one else has ever had it and I am not the one that owes any money. I tell them every time I answer their call and they promise to take me off their list and then they start calling again. I dont owe money to anyone.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate items : XXXX  with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX  with account number XXXX XXXX XXXX XXXX  XXXX with account number XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Sincerely, XXXX XXXX
Product: Debt collection

I got a loan in XXXX for {$500.00}. After receiving this loan I made 2 payments of {$140.00}. I have not been able to make the last few payments yet. I then got a call from Trademark Solutions saying that I am being charged with check fraud and breach of contract and that they were taking me to court. I was also told they would garnish my paycheck, which I later found out is illegal to threaten me with. They said the only option to settle out of court was pay a total of XXXX-something dollars, or make {$400.00} per month payments totaling to about {$1300.00}. I only owe them $ XXXX {$300.00} dollars. I offered to pay this and was told no. I told them that 's all I can do and I was told too bad.
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek assistance regarding multiple unsuccessful attempts made to both my creditor and the credit bureaus concerning inaccuracies in my credit report. 

Despite my persistent efforts to rectify the issue, there are accounts listed as " charged off '' that continue to display an incorrect balance. As per my understanding of regulations, this discrepancy violates legal standards. Moreover, when I diligently pursued investigations with the credit bureaus, the responses received merely affirm the validity of these inaccuracies, without addressing the root cause These errors are significantly impacting my financial standing and credibility. I am reaching out to the Consumer Financial Protection Bureau in the hope of receiving guidance and support to navigate this frustrating situation. Your expertise and intervention in this matter would be immensely appreciated. 

I have documentation supporting my claims and am willing to provide any necessary information to facilitate a swift resolution. Your prompt attention to this matter would be invaluable in restoring accuracy to my credit report. 

I filed a dispute with XXXX XXXX XX/XX/2023 I filed multi with Experian maybe 2 each year and Thank you for your time and consideration. I eagerly await your guidance and assistance.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I walk into my bank for 7 years. New work XXXX women is working in there. She basically profile me and said she or her manager couldnt cash the check for only XXXX dollars. I feel racial neglected and profiled store is on XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Credit card

On XX/XX/year> my XXXX XXXX XXXX XXXX card that I received through XXXX was transferred to Citibank , N.A . 
On XX/XX/year> I paid XXXX XXXX {$580.00} balance in full prior to transfer. My credit information was transferred but not my payment. Since then I am receiving harassment from Citibank for the payment that was given to XXXX XXXX and now they have tacked on late fees and refusing to collect the payment from XXXX XXXX that I have previously provided. I was unsure of who to contact or is responsible being that both companies refuse to work with each other and forcing me to create a new account with Citibank to make the payment again.
Product: Mortgage

I requested payoff information for my own mortgage on XX/XX/2020. They sent a reply back stating that the request needed to come from my 3rd party title company. So the title company sent it through. They have had plenty of time to process this claim. However I was supposed to close yesterday XXXX. I went in to close and they informed me the mortgage company hadn't sent any information over. So after hours on hold I finally got ahold of some who promised it would be done by the end of the day, so that I could close on my house today. XXXX XXXX still no paperwork. So after calling several times today I finally get ahold of someone who tells me that the paperwork has yet to be started but we should have it by the end of the day today XXXX. However the buyer is in a time crunch as am I to close. The mortgage company refuses to send me any information or give it to me over the phone.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX To fix problem the account has been close since XXXX XXXX on my Transunion and XXXX XXXX on my XXXX report
Product: Debt collection

Amount reported as owed {$9600.00} Jefferson Capital reported that I owe them and I dont have any recollection of doing business with them No written proof that shows I entered into any legal agreement with them
Product: Mortgage

PHH Mortgage consolidated with Ocwen Servicing. As a current Ocwen customer I received information about the transfer of the loan. I received a new load number and was told that my automatic payments would cease. When I attempted to begin automatic payment with PHH I was met with a mired of " Nos ''. They do not offer bi-weekly automatic payments and has an online payment system that does not support bi-weekly payments. They eventually granted me approval for bi-weekly automatic payments, but are not able to document it or confirm ( besides verbally on the phone ). I have spoken to them at least 30 times since they took over my account on XX/XX/2019. When asked about making an internal complaint, those are accepted by the customer service rep you need to complain about. After speaking to several of the customer service representatives, it is evident that PHH is set up to encourage mortgage non-payment/failure, as they intentionally make payment difficult. They intentionally limit payment options to encourage foreclosure.
Product: Checking or savings account

i bank with navy federal i am complaining in reference to overdarft fees
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/2022 my SIM card was fraudulently ported to a new device at a XXXX store in XXXX, IL resulting in approx. $ XXXX being transferred from a Coin Base investment account within about 45 minutes. Here is how it happened : At XXXX on XX/XX/2022 I received a text stating there was a request to access my account at a XXXX store in XXXX IL XXXX Once I saw the text around XXXX I attempted to check email and call my wife but realized my phone was no longer working. The only number I was able to call was XXXX customer service. When I called XXXX I was told my SIM card had been ported to a new device and I needed to go into a XXXX store because without access to my phone the call center employee on the phone was unable to verify my identity and help me. Eventually authorization was given and I was able to get the SIM card moved back to my device. 
In the meantime, a total of $ XXXX from withdrawn from a coin base investment account. 

Once I was able to long into XXXX mail again I saw I had email from Coin Base notifying me my password had been changed. When I logged into coin base I saw that at XXXX nearly $ XXXX had been withdrawn from the account. A series of 450 transactions of {$50.00} each had been processed by Coin Base between XXXX and XXXX. 

I am appalled at the lack of account monitoring in place at Coin Base. A total of 450 transactions at {$50.00} each were processed in a matter of minutes without a freeze on the account. This was clearly suspicious activity and the account should have been frozen. Even a minimum level of account monitoring should have flagged this activity and put a stop to it. Coin base refuses to engage in a conversation about the theft and has clearly indicated they will not be doing anything about it.
Product: Money transfer, virtual currency, or money service

Venmo froze my account I can't access my funds for 180 days at no fault of my own all be because I disputed a couple of purchases that I did not authorize pls help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX OF XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXL Inquiry Date XX/XX/2023 XXXX AUTO Inquiry Date XX/XX/2023 XXXX BANK XXXX Date XX/XX/2023 XXXX XXXX XXXX  FIN Inquiry Date XX/XX/2023 XXXX OF XXXX Inquiry Date XX/XX/2023
Product: Vehicle loan or lease

On XXXX XXXX I woke up and went outside to see that my XXXX XXXXXXXX XXXX was gone. I figured someone may have stolen it because it was parked in my driveway so there was no reason for it to have been towed and my car payments was paid up two months in advance. I called the police letting them know that my vehicle had been stolen they told me that it had been repossessed. The tow number that the police gave me didn't have my vehicle so then I figured if they didn't have it then who has it?! That's when I decided to call the lien holder of my vehicle who is Navy Federal Credit Union. They explained to me that they didn't understand what was going on because they didn't tell anyone to repossess my vehicle and that my payments were also ahead. They were confused on what was going on, so they told me to make a police report. I did that the police said they couldn't do much about it. Fast forward I found out that XXXX XXXX XXXX in XXXX, VA had my vehicle, they told me that the previous owner who had the car before me still owed on the car and that XXXX XXXX XXXX sent them to pick up my vehicle. I spoke with XXXX XXXX in XXXX, VA ( the dealership I got the car from on XXXX XXXX ) and they stated that they had nothing to do with it, but the check was written out to their company. I went to XXXX and spoke with the Branch manager. She told me that they had a title for my car and so did Navy Federal, but she stated that Navy Federal dropped the ball because they didn't do their research and see that the title had a lien on it. After she gave me that information, I contacted Navy Federal. Navy Federal has been giving me the run around since XXXX saying that they were going to contact their legal department and that I would still be responsible for the payments even though I don't have the vehicle in my possession. At this point I'm furious, frustrated, and very upset that my credit score has dropped tremendously due to this, and I have two companies blaming each other with nothing being resolved.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 ____________________________________________________ 15 USC 1681i 15 USC 1681b - INQUIRY : XXXX XXXX XXXX  Inquiry date - 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 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

_____________________________________________ FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Debt collection

The Law firm " Aldous & Associates '' Contacted me through mail on XX/XX/year> about a supposed {$220.00} debt that I owe to XXXX XXXX. I do not owe a debt to XXXX XXXX, I was on a month-to-month agreement with them, and during this agreement I lost my card the form of payment I was using to pay for the membership and I got a new one, and did not go back to XXXX XXXX
Product: Mortgage

On XX/XX/2022 I contacted roundpoint mortgage to request forbearance Becuase of my remote employment is affected and my pay has been reduced due to my employer based in XXXX XXXX, XXXX which an area based in FEMA declared natural disaster area that qualifies for individual assistance. My request was unsuccessful and the agent on the phone was very rude and unhelpful gave no clear answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

second contract was open less than one month after the initial contract. Wyndham credited all late fees and credited the second account. Barclays Bank Delaware still shows hard inquiry and late payments. Wyndham has sent letter and I forwarded the letter from Wyndham also but it shows late payment. 

On the vacation club for XXXX XXXX bank the same issues show on Wyndham credited all late fees and report shows late payments I would really like this corrected because this has been an ongoing issues since XX/XX/2020.