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

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP. Also these inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX. Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX  and XXXX  allow you to freeze and unfreeze your credit by logging into your account, Experian does not offer this option and deceptively tries to up-sell to a XXXX product that allows you to freeze and unfreeze your report " in real time '' at the outrageous price of XXXX XXXX/month. 

I then tried to temporarily thaw my credit through the buried page for which you can do this free of charge. I froze my credit back in 2017 and got a PIN from Experian which I had saved in my password manager ; of course, I entered the PIN and it does not work. 

Experian should not charge for the basic service of freezing, thawing, or unfreezing credit. Neither of the other two major credit bureaus do ; they hide the option they're legally required to provide for free after the credit bureaus irresponsibly handled consumer data.
Product: Credit reporting

A credit agency are making inquiries on my credit record every month since XXXX of 2015, The name of the company is Credco. This company was hired by a mortgage company by the name of XXXX XXXX. 'I need this to stop '', My credit record score has been going down every since I inquired about a mortgage loan by XXXX XXXX. I need all of Credo INQUIRIES off my credit record.
Product: Mortgage

CFPB, My name is XXXX XXXX. My problem is : I have sent 2 house payments to my Mortgage Company ( Ocwen Loan Servicing, LLC ) At the time I submitted these 2 payments, I owed 4 total. It took them 2 weeks to send my payment back. I Re-submitted the payment, again. By this time, it took another 2 weeks to be returned, I now owed 4 payments. By NOW, they say I am 7 payments behind and owe ALL 7 payments or face for-closure. The are adding an additional payment that isn't even due until the XXXX of XXXX. I do not believe this is legal. I believe they are purposely lengthening the process by delaying the returned payments, trying to get me drowning in finance and additional charges in an effort to for-close on my house. Thank-you XXXX XXXX
Product: Credit reporting or other personal consumer reports

At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. Please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2016, XXXX 2016 and XXXX 2016. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I was going through personal medical problems that could have been the cause of this but I thought I made every effort to make my payments on time in 2016.
Product: Credit card or prepaid card

Capital One charges interest based on an average daily balance on your account and if you do not make payments in full you will be subject to this average daily balance interest charge. 

I had made the mistake of not making a full balance payment last month and carried a balance of roughly {$200.00}. The interest charge I had received was {$16.00} that month due to a recent, large purchase after the month had ended ( so a charge on the new month ) which had a significant impact on my average daily balance. So, the interest charge that was applied was much larger than it should have been for the outstanding balance in the prior month. 

I have no been making sure that my balances are fully paid off, however, I am still receiving interest charges based on my average daily balance. This month, with a fully paid off balance, I received an interest charge of {$15.00}. Personally, this is not terribly impactful, but I am certain that more people are exposed to this unsavory practice and are not aware of the charges.
Product: Money transfers

Using the Navy Federal Credit Union App, I accidentally transferred {$570.00} to the wrong member. The Credit Union has made attempts to contact the member, but has not returned my money. I would like to have the funds returned.
Product: Credit reporting or other personal consumer reports

The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.
Product: Credit reporting or other personal consumer reports

Request to Cease Reporting Due to Violation of 15 U.S.C. 1692c I hope this message finds you well. I am writing to formally request that you cease reporting a collection account associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. 
I recently sent a letter to the collection agency rentdebt automated collections regarding the violation of my rights under this statute. As per this law, I have the right to request that they stop contacting me under certain circumstances. I understand that this applies to how this information is reported to credit bureaus as well. 
Given this situation, I kindly request that you investigate this matter and take the necessary actions to remove any negative reporting associated with the collection agency from my credit report as soon as possible. 
Please confirm receipt of this letter and let me know the actions you will take regarding this matter. Should you need any further information or documentation from my side, feel free to contact me at the phone number or email address provided above. 
Thank you for your prompt attention to this matter.
Product: Mortgage

On  XXXX   XXXX   2017 I c all ed PennyMac an d was given an amount of all monies that were in arrears {$7000.00}. This was paid by check on  XXXX   XXXX   2017. The y did not cash check f or 2 we eks. This month I get a bill saying I have {$130.00} in late fees added to ballance. If account was at  XXXX , with no payments due, then how do I owe 'late fees '.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your note ( for Transunion ) in your reply case XXXX " The data furnisher verified your name, social security number, and address in regards to the ownership of account XXXX XXXX XXXX. # XXXX. '' ( The other two credit agencies need to review their verification of information which is incorrect as noted below. ) I have never provided any data furnisher my name, social security number, and address in regard to this entry. If the data provider obtained my social security and provided it to you ( or verified it ) that information was obtained illegally, this is very concerning and would constitute fraud. Thank you for informing me of this I will file a separate complaint with the CFBC against XXXX XXXX XXXX. This is very alarming. 

However, your investigation did not provide the results as requested per section 609.  There was never any detailed information provided. If a credit company is looking to report information it should be accurate. I have never provided any personal details regarding SS #, etc to XXXX XXXX  which are a collection agency. Any personally identifiable information if provided would be a breach of confidentiality. 
Per information provided by XXXX, I am disputing the accuracy of your verification and therefor requesting that the credit consumer agency remove the collection debt of {$1400.00} from my credit report immediately. This amount was not authorized by me. I have attached documentation from the company which is not signed by me. The authorized signature is listed as someone else.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my credit report, I discovered a variety of errors and unapproved accounts and information that were reported to it. My life and credit have suffered as a result of those comments.
Product: Credit reporting or other personal consumer reports

I find out a multiple late payments in my credit report by XXXX bank on all three major agencies. XXXX, Transunion and XXXX. 

In accordance with the Third Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states, " I have the right to privacy. '' 15 USC 1681 section 6 0 4 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USCS 1 6 6 6 b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

So much anxiety and stress is what I felt when I saw my credit report upon pulling it. I was hoping to purchase a home, but I can see a lot of suspicious accounts on it and inquiries that I didn't recognize and I never authorized. I filed a police report and listed all the fraudulent accounts and inquiries on it. Kindly see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

for Bank has failed to provide any documentation or evidence that confirms that I made any charges they are claiming, no receipts no dates of purchases no POS info and no evidence linking me to the charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX  XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX  # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX  # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Transunion has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In addition Transunion failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Transunion has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Transunion should be held accountable for violating the Fair Credit Reporting Act.
Product: Student loan

Navient is my loan servicer Navient always got me to postpone payments through forbearance, an option in which interest continues to accrue, rather than enroll in an income-driven repayment plan that would avoid fees, Consumer advocates say loan servicers steer borrowers toward forbearance because it requires substantially less paperwork than enrolling them in low-cost plans that peg monthly payments to a percentage of income. My Students loans are more then half fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX UNAUTHORIZED HARD CREDIT INQUIRY.
Product: Checking or savings account

I have been trying to close my Citibank Priority Checking account since XXXX. There is XXXX cents in the account currently. I have called repeatedly asking Citibank to close the account and do what they will with the XXXX cents. I was told on XX/XX/XXXX that my account would be closed within 30 days. When I checked my account the 2nd week in XXXX I found that my account was still not closed. Upon calling Citibank back on XX/XX/XXXX, I was first hung up on. The second call I was transferred to 4 different people each one telling me that " this isn't my department. '' I was then informed that my account was blocked and that the only people who could unblock and then close my account are " in a back office '' and that " customers aren't allowed to speak to them. '' I was then told that I was given the wrong information and that closing my account could take at LEAST 60 days, but because this back office team does not speak with customers the Citibank representatives would not give me any sort of date. I just want my account closed and Citibank won't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX. Balance : {$150.00} XXXX XXXX XXXX XXXX .... Balance : {$100.00} XXXX XXXX XXXX CA XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Bankruptcy XXXX Date Filed XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I have been actively trying to withdraw my funds from this company for over XXXX months. They have requested bank ownership, identity, and statements from me. No request has been denied and all information matches exactly what they've asked for. They have first restricted my account and then frozen it with no contact and no instruction on how to receive my money ( over {$11000.00} ). No customer support has been received and instead stock email after stock email with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed and removed from my reports on XX/XX/2020. It has now come back on my report. This is illegal and I would like it to be removed. 

Account : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Account Ending in XXXX Capital One XXXX  : XXXX Last CFPB Complaint ID : XXXX Capital One is stating that it is going to take over 90 days to send my money back that was fraudulently obtained by a scammer that opened an account with them. They have already admitted the money belongs to me and that they are going to send it back to my bank XXXX via check. After talking with XXXX they stated that usually banks just wire the money back to the sending account and this does not take that long. 

Due to COVID and being scammed out of {$36000.00} my family is experiencing severe financial hardship. If my funds are not returned to me sooner my family of XXXX is going to be out on the XXXX.
Product: Debt collection

I continue to get debt collection notices from XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that XXXX , XXXX cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.
Product: Debt collection

Dear Equifax Data Breach and Fraud Department, I am writing to formally notify you that I have been a victim of identity theft as a result of the recent data breach at Equifax. I am requesting that all personal information associated with my name and Social Security Number be immediately blocked and deleted from your systems, pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ).

I have attached a copy of my valid government-issued identification and a police report detailing the identity theft incident. 
I request that you confirm in writing that my information has been blocked and deleted from your systems. Please provide a timeline for this process. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent Chase Card member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXXh Chase Card member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). Chase card Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX which i am not able to make payments online, through mail, or phone. Chase has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX  ( violation 15 USC 1692 ( f ). attached are sent threats by Chase of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing Chase Card member service still attempting communication of account XXXX  by stating that its 90 days late.
Product: Debt collection

On XX/XX/XXXX I filed a complaint here XXXX stating this was not my debt on XX/XX/XXXX H & R accounts XXXX XXXX Direct of operations responded stating this was my debt on XX/XX/XXXX XXXX XXXX  and myself had a verbal conversation regarding debt validation of the these XXXX accounts. He stated to give him 2weeks and he would send me the validation.. I didnt receive any information from him regarding this debt. On XX/XX/XXXX H & R Accounts attached another debt to my credit profile without validation of first debt on my credit profile I sent a certified letter to XXXX & XXXX accounts for debt validation of this account needing response in 15 day XXXX XXXX  never responded to my request. I call on XX/XX/XXXX requesting to speak with XXXX XXXX I was told he would return my call he never did so on XX/XX/XXXX @ XXXX I call again this time I had a verbal conversation with XXXX XXXX XXXX to apologize for not responding to my validation letter he received, he stated to me that he forgot to get to it ( violation ) on his part he went on to state that being that it was the end of the month he would contact all 3 credit bureaus to have these accounts immediately deleted these accounts are still present on my credit report this inaccurate information has cause me tremendous hardship and stopping me from obtaining a home car and employment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted the bureaus regarding the alleged authorized user on my accounts and there are none. I have never set up nor had authorized users on my accounts. I spoke with XXXX at XXXX at XXXX XXXX EST. He confirmed there are no authorized users listed on my account and there is no information in their system that shows there ever was an authorized user. I spoke to XXXX at Equifax at XXXXXXXX XXXX EST and I spoke with XXXX at XXXX at XXXX am EST who both also confirmed the same information as XXXX. 

The CFPB did close all complaints where the bureaus intentionally provided this inaccurate information. I believe the bureaus lied to the CFPB to get my complaints closed out so they do not have to resolve my credit report issues. This is causing extreme distress in my personal finances and I need your help. These inaccuracies are adversely affecting my credit report and need to be removed immediately. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

Since the bureaus are intentionally providing false information to the CFPB I do not believe they intend to complete their investigation or provide accurate reporting on my credit. The bureaus are also in violation of the FDCPA Section 807 by providing misleading false reporting. I am reaching back out to you to assist me in resolving this matter asap. 

I am demanding that these items be removed from my credit reports immediately or I will have no choice but to file for litigation due to the unnecessary stress this has caused me.
Product: Credit reporting or other personal consumer reports

I submit this complaint as I am scheduled to update my credit reports within the next 15 days. I am determined to ensure the removal of the following items from my credit reports : -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative to reiterate, in accordance with FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. For your reference, I am re-attaching my FTC report with the reference number # XXXX. Furthermore, the Fair Credit Reporting Act mandates Credit Reporting Agencies to eliminate any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft within four business days of receipt.