23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have written several letters over the past 3 years trying to resolve this issue. I was a victim of identity theft back in XXXX I reported to Navy Federal customer service and was assured that everything was going to be taken care of. I had 2 accounts with Navy Federal. Account XXXX in the amount of {$10000.00} and account XXXX. {$1300.00}. I was recently checking my credit report again and noticed on the account XXXX it showed a payment. I never made a payment on this account. I wrote navy federal requesting documentation of this payment. The last payment that I myself made was back on XXXX and because navy federal never tried to fix the issue I wasnt going to pay for fraudulent charges. Its illegal for navy federal to say a payment was made in XXXXXXXX XXXX XXXXXXXX but refused to produce the information and why wasnt a payment made on the other account which the balance is very small. It doesnt make sense. This is utterly unacceptable illegal debt practice. I would be crazy to make a payment to start the process over another 7 years.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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

XXXX is reporting me 90 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX are reporting me 120 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score.
Product: Debt collection

Torrid/Comenity bank called me about XXXX weeks ago. I told them give me XXXX days and dont call anymore and the law states no calling more than XXXX XXXXimes in a XXXX  day period. They have called me everyday 3 times a day just about. They text me as well. The last phone call I just had was on XX/XX/24. I told the gentleman again that I talked to someone already and stated what was said and also reiterated the law and that I said not to contact me and the gentlemen started getting loud with me and would not let me speak. This is harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

Had my identity stolen in XX/XX/2019 and have hard inquiries from EXXON/Cbna that i did not authorize. I called them to have those removed and its been almost a half year later and they are still reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX  XXXX ) XXXX  Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.
Product: Bank account or service

XX/XX/2015, I opened a Money Market Account with Santander Bank and was told by XXXX different bank managers that the account would earn .90 %. Each month I have logged on to the bank 's web site ( which has continually advertised .90 % ), to deposit additional monies to that account. When I received tax information regarding the interest earned for 2015, I began to question whether I had in fact been getting .90 %. I spoke with the local branch manager and was told that .90 % was a promotional rate, that I received for an unspecified amount of time, and now this account was earning .40 %. At no time was I told this was a promotional rate, nor was I told that the .90 % rate would apply for a limited time only. I could not find any information to that effect on their web site. In fact, Santander has continued to offer the same .90 % rate all this time. I feel that this is unfair and deceptive advertising. I would not have put my money into their money market account had I known the rates would change at an arbitrary point in time unknown to me. Furthermore, at no time was I given access/information as to the actual interest rate the account received. I feel that they were not clear in their business practices and they solicited my business under false pretenses.
Product: Debt collection

Amazon and XXXX XXXX are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese 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 # ( XXXX ) 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.
Product: Bank account or service

Two issues XXXX 1. PNC Bank has a policy where if a customer has his or her credit card attached to a checking account, and the checking account is over drawn then PNC will transfer the minimum of {$50.00} dollars to the over drawn account. However, PNC only allows a payment to be made up to XXXX, which means in almost all cases, a payroll deposit that comes through at midnight, will almost always be too late to cover the amount over drawn, thereby allowing PNC Bank to charge a minimum {$10.00} or a percentage ( which ever is greater ) over draft or transfer fee. 
2. PNC Bank notifies the account holder after the over over draft or transfer fee has occurred, which does not allow a payment to be made prior to the fee being charged. 

I believe PNC Bank deliberately set the time to pay an over drawn account at XXXX, to prevent account holders with payroll deposits from being able to place the over drawn funds back into their account before the fee is charged. I also believe PNC Bank deliberately notifies their customers after the fact to ensure that they can charge the overdraft fee. 

I did speak with PNC Bank regarding this matter and they response is that I should keep a positive bank account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account ( Nordstrom TDBankUSA ) ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Bankruptcy Reference # XXXX ; INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, Sterling talent solution   performed a background search on me for employment, and the information they responded back with was very inaccurate! I provided correct phone numbers for former employers, they searched other employers phone number and applied wrong information to wrong employers, this made discrepancy in my application, which made employers I applied for hesitant on hiring me only because of these discrepancy.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 XXXX, on XX/XX/XXXX under the account number ( XXXX ), These account have resulted in several fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, are the result of identity theft and fraud.
Product: Credit card or prepaid card

It started on XX/XX/2019. Between XXXX XXXX and XX/XX/XXXX, the criminals charged more than XXXX on my AMEX Bloomingdale 's account. Yesterday ( XX/XX/19 ) I got a letter from Bloomingdale 's Fraud Department saying their investigation was complete and that I owed XXXX. They say I am responsible for the charges in question. They said my account can only be accessed by the card issued by them. And that it was used at a chip enabled card reader. I have been a customer at Bloomingdales for about 73 years. Never a late payment. Never make large charges as these are. Or at the places these were charged. They can see that if they review my history with them. 

I have both my cards. Fraud Dept. told me the criminals have my birth date, social security number and a lot more of my personal info. The fraud dept. knows a lot more than they are telling me. The criminal wife was called on one of their large purchases and said that it was okay. that her husband had made it. i haven't had a husband since XXXX. 

I have been dealing with the XXXX XXXX XXXX XXXX police, Sargent XXXX XXXX ( phone XXXX XXXX XXXX ) head of the crime department of the XXXX XXXX police, the three credit companies ( froze them ). And have spoken to the Fraud department several times so was shocked to receive this letter. Police also spoke to the Fraud department. My case with the XXXX Sheriff 's office is XXXX. Bloomingdales case # is XXXX. Initial claim on old account ending in XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed. 
Unauthorized Accounts : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$870.00} XXXX  - XXXX - XX/XX/XXXX - {$940.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$690.00} Unauthorized Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I wrote and mailed certified letters to XXXX XXXX XXXX for Account XXXX amount {$710.00} and account number XXXX amount {$7900.00} requesting verification of debt. XXXX XXXX XXXX. never sent me debt verification within 30 days. Around XX/XX/2023, I disputed the above debts with XXXX, XXXX, and TransUnion, giving them proof of my certified letters ( XXXX and XXXX ) and proof of receipt of the certified letter by XXXX XXXX, XXXX. After completion of the disputes, the above inaccurate debts still remain on my credit reports which is causing an interference in me obtaining a mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX Balance Owed : {$260000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a certified letter to Experian requesting there method of verification involving a bankruptcy they are reporting on my credit report. They later reply back with a letter stating that they was reaching out to the source they verified the bankruptcy with and they will send me the information that i requested. This investigation has took more than 30days and I am furious. I have file multiple conplaints about this company involing the same matter that you can see Thur my pervious complaint history. On XX/XX/XXXX i sent Experian a letter requesting their methods of this same bankruptcy they replied back with a letter stating they verified the bankruptcy with the courts. That was falsify I sent them my letter from the courts stating they don't report bankruptcies to the credit bureaus .Under the FDCPA action 807 this is misleading false reporting I demand that this account be deleted immediately or i will file litigation due to the stress they have cause me. This company has pervious lied about information they are reporting on my credit report and can not produce the information i am requesting there for this account should be deleted immediately i have been more then patient for there response but its clear to see they don't have the information that i am requesting and they a prolonging this matter which is affecting my credit tremendously. Under the FDCPA act inaccurate unverified information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account wit h Bank of American  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was sold in  XXXX   XXXX . According to the FCR A 623 ( a ) ( 5 ), this  account should be removed from my credit report. It has been re-aged by the Bank of America to reflect a different date of default. The account has been aged mo re than seven years fro m the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with   XXXX   XXXX   XXXX    whom  has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquenc y (   XXXX   XXXX  ) and the date of first delinquency reported  (   XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.
Product: Credit reporting or other personal consumer reports

I have been unable to receive a credit report secondary to this agency not reporting credit. I am currently in the process of attempting to get a mortgage and the information is not being reported all of the years of loans paid on time have not been reported. If you can accurately represent the credit and fix the information on the report.
Product: Checking or savings account

Cash app will only help me if I have the bank card number. I lost the bank card so they will not help. They will not answer the phone or emails.
Product: Mortgage

Keller XXXX Mortgage is advertising to consumers that they can guarantee lower rates, costs, and savings on their mortgages without any apr disclosure, or how they are doing it. This is simply not allowable. Please have them stop as they are deceiving consumers and not following the rules we as lenders all have to follow.
Product: Checking or savings account

My elderly father and his wife have health issues and are no longer able to manage there financial affairs.

I went to BBVA Compass on XX/XX/XXXX with him so i could also be assigned to his checking account. Once i looked at his account, i noticed a monthly charge of approx {$80.00}. on XX/XX/XXXX I inquired about this and BBVA said they have overdraft protection and they owe {$1900.00}. I also asked how much interest BBVA charges and they said it's 21 % APR.

I asked my parents and they had no idea they 1 ) owed {$1900.00} ( no where on their bill does it show this outstanding balance and 2 ) they have no idea they were paying 21 % which seems to be a hefty and unnecessary charge.

After going into a Compass Bank branch in XXXX on XX/XX/XXXX @ XXXX to ask about waiving the finance charge, the teller said i had to call. after more than an hour explaining my plight, they said they were unable to rectify my problem without first paying the entire {$1900.00} so they could close the account. I reiterated my problem wasn't with paying the principle but the interest. They said they could connect me to my branch and they can take care of it. I was transferred to XXXX XXXX XXXX XXXX TX XXXX location and they told me i must come in to their branch ( which is over 45 minutes away ).

They have been charged {$540.00} in interest in XX/XX/XXXX and {$260.00} in XX/XX/XXXX. I only want the interest charge waived and I will pay the principle. My parents have been getting charged by BBVA for over 10 years @ 21 % interest without knowing and dare i say, being told they are being charged this high of an interest rate.