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

Received letter veritas funding for A loan for my husband and I that we never Applied for a total of XXXX for a period of XXXX  months. Loan number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my trans union credit profile that does not belong to me. I do not have XXXX XXXX nor have I ever had XXXX XXXX Someone has opened an account without my knowledge the account is listed from XXXX from the original creditor XXXX XXXX XXXX acct # XXXX date opened XX/XX/2022 balance is {$340.00}
Product: Credit card

offered opportunity to apply for a Wells Fargo Credit Card. My application was denied by W/F Bank based on incorrect information presented by XXXX Credit Reporting Co. 
W/F Bank they denied card based on 1 ) serious delinquency,2 ) Delinquency time frame too recent or unknown,3 ) Proportion of balances to credit limits is too high on revolving accounts. we have had a W/F Mortgage since XX/XX/2003., and have never been late or untimely with our payments. We recently refinanced our mortgage with W/F and have never, never been untimely with payments. W/F reported to XXXX that we have been late or untimely during the refinance period ... which is not true ...
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service, and unfair practices. This violates the Consumer Financial Protection Act! Specifically, Cash App failed to take timely and effective measures to prevent fraud on their platform leaving my account vulnerable and unprotected. These actions have caused significant inconvenience and financial loss, and I seek appropriate compensation for these violations.
Product: Checking or savings account

My debit card was charged every month with navy federal for an overdraft fee when i couldnt pay the fees they closed my account. From XX/XX/XXXX until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estopell by silence XXXX. XXXX XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$25000.00}, XXXX balance {$2000.00}, XXXX XXXX XXXX balance {$960.00}, XXXX XXXX XXXX balance {$2700.00},
Product: Debt collection

In XX/XX/XXXX XXXX XXXX was listed as a participating provider with XXXX XXXX/XXXX. Each yr when visiting the office I provided my ins. ID card. As a participating provider I should not have been balanced billed for my visits. After being reported to the a collection agency in XX/XX/XXXXI contacted XXXX, explained the situation, and completed a complaint form. I advised that XXXX XXXX ' office never advised me that they did not participate in XXXX XXXX as indicated on my ID card. The office has turned my account over to 2 different collections agencies for 2 different amounts. American collections XXXX XXXX XXXX, XXXX, VA ( XXXX ) .for {$83.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN ( XXXX ) for {$99.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A COUPLE OF BILLS IN THE MAIL STATING THAT INEED TO MAKE A PAYMENT FOR A LOAN. I DONT OWE A LOAN, I DONT HAVE ANY LOAN UNDER MYB NAME. THEN I CALLED TOVERIFY ALLN MY INFORMATION HAD BEEN USED TO OPEN THIS ACCOUNT. I GOT A COPY OF MY CREDIT REPORT AND SAW TWO BANKRUPTCIES AND A COUPLE OF INQUIRIES. ACOUPLE OF OTHER FRAUDULENT ACCOUNTS THAT ARE NOT MINE. I HAVE NEVER SEEN THESE ITEMS IN MY LIFE. PLEASE REMOVE THESE ITEMS FROM MY REPORT. THANK YOU
Product: Credit reporting or other personal consumer reports

material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. XXXX and remove them.
Product: Checking or savings account

Regions person opened my checking and savings account. He opened a money market account instead of a savings account. This past year I made in interest from the money market account {$14.00} per the interest income statement and the bank the bank has charged me {$60.00} in low balance fees. I took all but {$.00} out of my account and they. charged another {$15.00} for low balance fee a negative balance of {$14.00} so they took it out of my checking account. Went to the bank and asked that they refund the {$15.00} and asked why I was charged four {$15.00} charges and was told because I had a money market account. I am XXXX for the last XXXX years trying to get XXXX social security and don't have any income, just barely get by from selling my jewelry and furnishings and then the bank steals {$60.00} from me. Have called and gone into the bank and am told oh I'm sorry let me see what I can do and I will call you in a couple of days but doesn't. I was just told by XXXX at customer service that she could transfere me to debt collections department or the loan department and I could get a loan to help me pay my bills. Told her I have not had an income since being fired in XX/XX/XXXXafter 15 years of employment for being sick and not finding a doctor that can see me on Saturday or Sunday and a hospital to do the test on Saturday or Sunday. I can't get a loan without income. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX Account # XXXX, Account name : XXXX, XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX 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.
Product: Debt collection

I had a credit account with Sterling Jewelers d/b/a Kay Jewelers. Per XX/XX/XXXX Oregon Revised Statute 166.090 sub paragraph 1 ( 1 ) A telephone caller commits the crime of telephonic harassment if the caller intentionally harasses or annoys another person : ( a ) By causing the telephone of the other person to ring, such caller having no communicative purpose ; ( b ) By causing such other person 's telephone to ring, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone ; or ( c ) By sending to, or leaving at, the other person 's telephone a text message, voice mail or any other message, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone. 
( 2 ) Telephonic harassment is a Class B misdemeanor. 
( 3 ) It is an affirmative defense to a charge of violating subsection ( 1 ) of this section that the caller is a debt collector, as defined in ORS 646.639 ( Unlawful collection practices ), who engaged in the conduct proscribed by subsection ( 1 ) of this section while attempting to collect a debt. The affirmative defense created by this subsection does not apply if the debt collector committed the unlawful collection practice described in ORS 646.639 ( Unlawful collection practices ) ( 2 ) ( a ) while engaged in the conduct proscribed by subsection ( 1 ) of this section. [ 1987 c.806 2 ; 1999 c.115 1 ; 2005 c.752 1 ] Between the period of XX/XX/XXXX to XX/XX/XXXX I received over 100 calls from various area codes ranging from Ohio to Hawaii between the hours of XXXX PST to XXXX PST with recorded messages saying please call your jeweler or please call Kay jewelers. There were as many as 6 calls in one day without any messages or with hang ups. On XX/XX/XXXX I called Kay Jewelers asking for their legal departments information and was denied that information. I advised the representative that I felt that I was being bullied by the insane number of spoofed calls and that I wanted to complain. I also told the phone rep that I was going to file a complaint through my attorney generals office as well as the Department of Defense so that military personnel will be warned about Kay 's collection practices. The rep gave me Kay 's corporate address which was the billing address and at that point i ended the call. For the remainder of that day Kay tried to call me and backtrack on my account by saying that i was not in collections. The last person that I spoke to I advised them that I had nothing more to say and I hung up. I then received a series of robocalls with no background sound. 2 days later I received a letter from Kay Jewelers saying that my account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unsure of who to or how to address this complaint. I disputed accounts with the credit bureaus. It's been over a month. Nothing back has been received. 

Can you get the credit bureaus to do some work? Several of these accounts are 7 years old and some aren't even mine. Why are they on my report and why aren't the credit bureaus fixing it?
Product: Debt collection

My vehicle had broke down coming from work I was working on getting to towed to my residence but was not quick enough my car got towed I was not aware where it was until the towing company finally got in touch with me by phone saying my leader had came got the car without any notice from the towing company no written notice from either parties. Stating if I dont get the car they would pick it up there self now its a repossession on my credit and they never gave me any chance to retrieve the vehicle. Still to this day
Product: Checking or savings account

This is a follow-up to the previously filed case number XXXX. 

Neither CFPB 's nor the credit union 's responses were responsive to the complaint. 

NFCU lied on XX/XX/XXXX regarding the circumstances of their " notice '' that my debit card had been revoked ; they told me that " notice '' was given by means of a letter sent on XX/XX/XXXX ; the " notice '' was not received until the following week and was dated XX/XX/XXXX ( copy attached ), which means that no advance notice was given for the suspension of my debit card. 

NFCU did nothing for nearly three months, and when they did finally reply, the information provided did nothing by way of a meaningful or satisfying explanation for their actions. See letter dated XX/XX/2023 ( copy attached ). The alleged " violation of the Debit Card Disclosure '' was not specifically set forth, nor was a copy of the " Debit Card Disclosure '' even provided. I contacted NFCU by means of their internal messaging service in my online account web page, but they just ignored me and did not reply.
Product: Debt collection

This message was sent by me to Loan company on XX/XX/2022 I, XXXX XXXX, filed for XXXX  XXXX Bankruptcy and had this debt/loan discharged on XX/XX/2022. I should not have had any payments collected after this date. Institution Information : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX This message was sent to me on XX/XX/2022 Hello XXXX XXXX, We have reviewed your account, and your previous Bankruptcy filed. The obligation for XXXX XXXX is still active, regarding the student loan debt. The order of discharge provides most student loans are not discharged and this debt is non-dischargeable pursuant to 11 USC Section 523 ( a ) ( 8 ) ( B ). If you have any questions regarding your options to pay this educational loan, please contact us. Thank you, The Launch Servicing Team XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each CRA in regards to inaccurate accounts that has been on my report for 5 -7 years. Although the credit agency is aware that the accounts are fraud and was opened without my permission. They continue to report items that are inaccurate and misleading on my credit report. The report shows a fraudulent account open with XXXX credit card in which I have never had a credit card issued from XXXX. When I contact XXXX XXXX XXXX XXXX informed me that the account does not exists and they do not have and account with my name or social security number. When I contact the CRA they said the account has been updated as valid. There are many discrepancies between the creditors and the CRA in which the information does not add up. I have addressed this issue over 15 times between XXXX by sending in my ID SSN and FTC report and a police report. When I contact XXXX the proceed to tell me they do not have my information on file or there do not see my FTC report in which I have uploaded on numerous occasions, mailed certified letters. The CRA is actually signing for the documents but are not uploading them to my file. I address this issue every time I call and my cries are ignored each and every time. The continously out my information in dispute in a on going cycle that never ends. They never address the issue but request for me to again send in my documents. Each CRA have done this on multiple occasion never helping me. This is ruining my life and is causing me a tremendous amount of grief and despair. I will be seeking litigations against XXXX, XXXX, and Experian in regards to my complaints outlined in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are negatively impacting my credit score, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts and inquiries are questionable or unauthorized, and I request that they be clarified or removed immediately : XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX - I have no recollection of this account and believe it to be frivolous, which may be in violation of FCRA. Under FCRA, I have the right to request that fraudulent or unauthorized accounts be removed from my credit report. 

XXXX Inquiry, Date of Inquiry : XX/XX/XXXX - I did not authorize this credit pull and demand that it be removed from my credit report, which may be in violation of FCRA. Under FCRA, I have the right to request that unauthorized inquiries be removed from my credit report. 

XXXXXXXX XXXX, Account Number : XXXX - I do not recall ever being associated with this unfamiliar company and question how this account is being continuously verified, which may be in violation of FCRA. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

I request that you investigate these items and provide me with a written response detailing the actions taken to resolve these disputes within the time frame set forth by FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX SYNCB/XXXX XXXX XXXX XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ),. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification XXXX XXXX and SYNCB is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost  five months now and I haven't received any results or response from XXXX, XXXX   or Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Debt collection

I am writing to vehemently reject your decision to decline my identity theft claim. I question your authority and legal standing to determine whether i have been a victim of identity theft or not. You lack the requisite expertise or jurisdiction to make such a claim on my behalf. 
To substantiate the gravity of my identity theft claim, I am providing you with a comprehensive law enforcement agency report, which has been duly filed with a federal agency. It is imperative that we expedite the resolution of this matter within the legally mandated 5-day timeframe. 
This is your final opportunity to process my identity theft request appropriately. Failure to do so will compel me to seek a legal remedy in a courtroom where you will be held accountable for the damage caused to my reputation, credit, and the emotional XXXX I have endured as a result of this issue. I am confident that the material facts will become glaringly evident, and you will be held responsible for your negligence. 
XXXX XXXX XXXX  I expect a written acknowledgment of the receipt of this dispute letter and a commitment to investigate my identity theft claim diligently and impartially.
Product: Mortgage

M & T Bank attempted to foreclose on my family 's property. I believe that the fees, legal expenses, and interest were excessive and the accounting inaccurate. My family hired an attorney to fight these charges and avoid foreclosure. The bank made no effort to correct its fees. 
On XXXX, XXXX, XXXX, I paid off the entire amount of {$61000.00} to avoid the foreclosure. 
With the foreclosure stopped, I reached out to M & T Bank about the excessive fees. 
M & T Bank agreed that some of the fees were excessive and issued a refund check in the amount of {$1300.00} in the name of a deceased relative who has not owned the property since XXXX. The check can not be cashed, as the estate of the relative has been dissolved. 
I contacted M & T Bank to re-issue the check in my name, As I had paid off the mortgage. I also indicated that it would be acceptable to issue the check in the Name of XXXX XXXX, who was the current owner and who was also named in the Foreclosure lawsuit. 
M & T Bank refused to re-issue the check, nor would they consider refunding any additional fees. 
I want the CFPB to examine all of the fees charged and instruct M & T Bank to refund all of the fees in a check that is written to an actual, living person. The check can be made out to me, XXXX XXXX XXXX, as I paid off the mortgage and now own the property or it can be made out to XXXX XXXX, who was a party named in the foreclosure lawsuit, and who owned the property during the foreclosure process. 
I have attached copies of the original payoff letter with the breakdown of fees, and deeds showing the chain of ownership. 

The
Product: Mortgage

I refinanced my loan with Loan Depot in XXXX, XXXX. A Loan Number ending in XXXX was assigned to my account when I closed the loan. Right away, I set up an auto payment from my XXXX XXXX Account to Loan Depot with the original account number ending XXXX. These payments were scheduled to be made by XXXX XXXX over 5 days in advance of the 1st and well before the late date of the XXXX of the following month. The loan payments were made time, and accepted and credited to my account ending XXXX by Loan Depot until XXXX, XXXX. 

For some reason, and without notice to me, Loan Depot changed my account number to a new number ending XXXX even though Loan Depot continues to service my loan. 
In XXXX and XXXX, XXXX, XXXX XXXX continued to pay, timely, the payments to Loan Depot under the old Loan Number ending XXXX. 

Instead of transferring the payment to the new Loan Account number or crediting my account or even contacting me, my timely payments were returned ( after the payment due date and late date for XXXX and XXXX, XXXX. 

I was unaware the payments had been returned. I had set up the auto payments so that I could travel out of state to care for my son who had been in a serious accident and needed hospitalization in XXXX. I did not return home late XXXX to find a late notice from Loan Depot. 

I immediately contacted XXXX XXXX and determined that the payments had been made on time. I then contacted Loan Depot, made a payment over the phone for XXXX and XXXX and asked the Loan Depot representative to investigate what had happened on their end. Loan Depot 's representative acknowledged they had received the payments on time but returned them because they did not have the right account number. Loan Depot then waived the two months ' late charges acknowledging that the payments had been received but returned. I also asked and was informed that they had not reported my loan - " late '' to any credit reporting agency. 

As a matter of fact, the statement was false. The credit bureaus have reflected that my payment was late. This false statement has resulted in a derogatory mark and materially impacted my credit score, and my mother 's credit score ( she is a co-borrower ). After I discovered this, I called Loan Depot and requested they correct the report. This time they refused and insisted I write to their customer service department. I did write and a few weeks later, I was told that they had denied my request - that my payments were late. 

There was no reason for changing my account number and while I did everything to ensure my payments were made on time, this action on Loan Depot 's part, changing my account number and refusal to accept a timely payment has caused serious damage to my credit and to my mother 's. 

I request that Loan Depot take action to correct their false report of my mother 's and my payment history to the credit reporting agency - report my payments as " on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a Pre-Qualifying tool online that advertises that you can prequalify without affecting your credit score. Unfortunately for me, I was using this tool for over 1 year. I pulled my credit report recently and noticed I had several inquiries on my report from XXXX XXXX from using their qualifications tool. I contacted XXXX  XXXX with my concerns and was told maybe l used the tool incorrectly. It is impossible for anyone to use this tool incorrectly. When prequalifying, you must enter your information into the fields presented. This tool will then populate what you are qualified for. Once qualified, you select the card and then you select Apply. Unfortunately for me, I was only prequalified for the secured card which I accepted on XX/XX/2021. Each time my score goes up, I always try again but still only qualify for the secured. My issue is all these inquiries that are not supposed to be on my report is appearing when its not supposed to affect your credit score. These inquiries need to be removed because this is real bad practice