23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion XXXX to put a fraud alert and security freeze on my account due to identity theft I created a pin number that I was told would have to be used to remove them. Not even a month later Transunion removed the security freeze and fraud alerts without the pin.When I called and asked why it was removed l was lied to and told they were never there. When I said I had the correspondence stating they were the story changed. I was asked to create another pin number and told the alert and freeze would be placed. Possibly XXXX weeks later the same thing happened. They removed the freeze and alert without the pin and someone was able to place loan and credit applications out on my name again. I called again same lies. I requested to be called for verification if the alert and freeze was attempted to be removed for verification. Transunion allowed it to happen again. I have XXXXuseless pin numbers because Transunion obviously doesn't really require them to be used to unlock or remove anything. If some places and fraud and security freeze they could at least make a minimum effort to verify removal they ask for email and phone numbers they should try using them. If these transactions are taking place they should only be allowed during normal business times not on weekends wher the fraudsters can just do what they want eventhough dealing with Transunion it seems they can do that anyway.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in the appearance of multiple unauthorized accounts and credit inquiries on my credit reports. I have discovered accounts and inquiries that I did not initiate or authorize, and these have negatively impacted my credit standing. 

The Fair Credit Reporting Act ( FCRA ), under Section 605B, provides me with the right to dispute information related to identity theft and to request the blocking of fraudulent information from my credit reports. Additionally, Section 611 of the FCRA allows me to dispute the accuracy of any information in my credit report and obligates the credit bureaus to investigate and correct any inaccurate or incomplete information. 

The accounts and inquiries that I do not recognize include, but may not be limited to, the following : Capital One Equity Inquiry Date : XX/XX/XXXX Capital One Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I am requesting that your office intervene in this matter to ensure that these unauthorized accounts and inquiries are properly investigated and removed from my credit file in accordance with FCRA guidelines XXXX I have already begun the dispute process with the major credit bureaus, but I am seeking the CFPBs assistance to ensure that my rights under the FCRA are fully protected. 

I have also filed reports with the Federal Trade Commission ( FTC ) and local law enforcement in regard to this identity theft incident. Enclosed are copies of these reports and other supporting documentation to aid in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and ensuring the integrity of my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX
Product: Mortgage

Freedom mortgage has been double charging me interest escrow and misappling my monthly mortgage payements and refuses to give me proper accounting ( that 's understandable ) and despite several requests has failed to rectify the situation and even now ( an example ) my XX/XX/2015 payment reflects double charges and they claim that that 's proper! I demanded proper accounting of all payments since they took over the loan! Which I got this btoken down stuff that shows entry after entry where they split the payment into multiple things which do n't make sence because I send one check a month which should show total received, interest charges, escrow charged, principal applied, ending principal balance which their accounting it statements they send you CANT UNDERSTAND
Product: Vehicle loan or lease

Navy Federal denied me right to my credit after a hard inquiry was place on my credit profile which proves there was a draw on my account. This constitutes as discrimination and unauthorized use of my social security credit card. Furthermore Navy Federal has the ability to use my application as collateral and reap income according to Federal Reserve 16. This application was given as accommodation for I was denied therefore not receiving any accommodation so NAVY FEDERAL is in violation of UCC 3-419 & UCC 3-303 .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to XXXX XXXX and purchased a prepaid XXXX phone clealry marked " Prepaid '' on the box, and marked many times within the packages contents. XXXX only sells prepaid phones. I used the phone for two months purchasing prepaid phone cards from XXXX. This is the only time in my entire life I have ever used XXXX for any purpose. I never made any purchases, signed up for any contract, or incurred any charges. I never received any bills, collection notices, or any communication in any form from XXXX ever. How can I owe money for something I never had, and for an account I never opened? Have they somehow mistaken a prepaid phone I purchased outright for something else? It states " Loan Type '' ..what loan are they speaking of? Almost 3 years later I see this on my credit report. 

Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : TELECOMMUNICATIONS/CELLULAR Balance : {$130.00} DateUpdated : XX/XX/XXXX High Balance : {$130.00} Past Due : > XXXX XXXX< Pay Status : >In Collection< Date Closed : XX/XX/XXXX I am 100 % certain this is an error. I am sure I have never owed XXXX any money for any reason. I filed a credit report Investigation with Transunion who sent me back a result stating only that it " Belongs to me ''. and nothing has changed. I still have the phone I purchased from XXXX. When I called XXXX they have no idea what the charges are for and were not able to tell me anything.
Product: Credit card or prepaid card

In XXXX, XXXX, Barclay Bank issued a new credit card due to the old card being compromised through their Security. We only discovered this when the new card came in the mail. In XXXX, I receive a notice that I am late on my payment for XXXX. On XX/XX/XXXX, I called Barclay and went through many Customer Service people, to no avail. I figured out what happened and I called to explain and they still can not correct it. The Bank was crediting the old account ending in XXXX ( I do not have the whole Number on the old account as it was destroyed ), which should have been closed, and made this made the new Account XXXX, late. 
As you can see, by the attachments that I have sent you that I have corresponded several times to this Bank in a short period of time. Also, I have never been late on my credit card payment I have not received a call from Barclay on this matter. In the meantime, my excellent credit reports have been lowered, due to their neglect in this matter. On the copy of their response, dated XXXX, they stated they would have a Manager call me to explain the situation. To date ; they have not called.
Product: Debt collection

A XXXX account was transferred from my name to another person upon establishing their credit with the cellular company on XXXX/XXXX/XX/XX/XXXX. When I ran my credit report on XXXX, there was a collection account on my credit in the amount of {$940.00} placed on XXXX/XXXX/XX/XX/XXXX without any notification whatsoever. The transfer was a success and whatever happened after that, it should not be my responsibilities. Currently, I still maintain my primary account with XXXX for the last 8 years without any missed payment or late fee.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Checking or savings account

Around XXXXXXXX XXXX XXXX someone scammed my bank account with Huntington bank and now Im receiving letters and phone calls from them that Im responsible! The scammer got me for almost XXXX! Someone called in to Huntington bank pretending to be me and did 12 chargebacks on transactions that I had done and Huntington bank allowed it! They didnt call me to check or ask me if I authorized the chargebacks! Now their trying to blame me and I had nothing to do with it! I even filed a police report ( which Huntington asked me to do but it didnt help ) and the officer couldnt find anything! XXXX XXXX XXXX XXXX and Huntington bank believes the scammer! They never investigated it and just left me responsible!
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the XXXX XXXX Collections Practices XXXX. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under XXXX XXXX XXXX ( g ) Section XXXX ( b ) Communicating with a debtor after receiving a cease and desist certified mail under XXXX XXXX XXXX ( g ) Section XXXX ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, XXXX XXXX ( g ) Section XXXX ( XXXX ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Checking or savings account

I opened a new Wells Fargo account using their website on XX/XX/2022. On their website I put in my XXXX account information so they could pull {$500.00} from my XXXX account to the Wells Fargo account to initially fund the account. Wells did pull the money from my XXXX account on XX/XX/2022, but they never deposited it into my new Wells Fargo account and they lost my money. They don't know where it is. When I call XXXX, they tell me they sent the money per the instructions received from Wells Fargo. So the money is somewhere at Wells Fargo and they just can't find it and they are telling me they don't have it. I am attaching the activity from my XXXX account showing the money was pulled by Wells Fargo from my XXXX account. 

When I called Wells to complain, they took away my online access from all my accounts ( 2 credit cards and the newly created checking account ). So now I can't get into any of my accounts.
Product: Mortgage

Seterus shows a deficit of {$1100.00} in an escrow account. Seterus has not made any payments for Insurance an taxes, so there should not be any activity in an escrow account Over {$2000.00} has not been applied to the mortgage balance. Monies are held in " suspense '' Late fees are being charged because payments are not being applied to my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud. 
Someone opened Goldman Sachs credit card stealing my identity. 
Reported balance is {$11000.00} I reported to XXXX on XX/XX/23 No action yet taken from both Goldman Sachs nor XXXX. 
Froze all credit reporting agencies.
Product: Credit card or prepaid card

On XX/XX/XXXX, 2 fraudster con artists posing as Deacon XXXX of church and a supposed heiress of a XXXX XXXX dollar fortune named XXXX approached me and asked me to help disburse XXXX cash to help needy people according to her dying brother 's wishes in a will. XXXX wanted me to prove she could trust me by going inside the bank and withdrawing XXXX cash. So we could bless the money. So I was tricked into withdrawing the {$280.00} cash advance balance available on my Chase credit card. Deacon XXXX got mad, assaulted me by hitting my arm as I tried to reach for the money. They both stole and ran off with my momey when it was clear to them I wouldn't give them any more. 
I filed a police report with the XXXX XXXX police department for theft on XX/XX/XXXX, the same day. 
On XX/XX/XXXX, I went inside a Chase branch and had XXXX XXXX, a banker fax a copy of the letter and police report to the Chase dispute resolution department. 
On XX/XX/XXXX, I received an electronic notice from in a letter saying I am still responsible for the {$280.00} and it will remain on my bank statement, but they have notified the credit bureaus about the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX Address po box XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number XXXX XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone number XXXX XXXX XXXX XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Record details On record XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Record details On record XXXX XX/XX/XXXX Inquired XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Record details XXXX record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Record details XXXX record until XX/XX/XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record XXXX XX/XX/XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion continue to report a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and the agency has contacted the bureaus to remove this from my credit report. Unfortunately, the bureaus have not done this. Please remove this line item. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to fix this however, I have not been successful.
Product: Payday loan, title loan, personal loan, or advance loan

I opened a " free '' " no fee '' account with Albert that claimed to provide a no cost " advance '' between $ XXXX {$250.00}. I took a small loan of {$30.00}, for which I was charged a fee to have money sent to me ( {$2.00} ). At NO POINT was I told that to open this account Albert would sign me up for " genius, '' a subscription for " money saving features '' that is automatically added to ALL accounts without consent for XXXX XXXX yearly if you have enough funds for them to withdraw from your checking account, otherwise they charge $ XXXX until you are successful in getting them to cancel the service, which requires a FULL payoff of any loans and removal of any funds from the " service ''. Albert charged me {$140.00} on XX/XX/2024, which was marked as FRAUD by my bank. I disputed the charge and on XX/XX/2024 Albert then charged me an additional {$36.00} with no notice, or explanation. 

I spoke to multiple " account specialists '' who just told me that EVERYONE has the " genius service '' and that while it is " confusing '' to customers that they are automatically signed up for this $ XXXXmonthly service ( {$140.00} annual ) that they have a fine print disclosure on the website so it is totally legal and valid. I asked for the account to be CLOSED and no further charges against my account to be processed, as they have now taken {$180.00} from my account for a {$30.00} " advance ''. Albert refuses to assist with any real solution beyond telling me to wait a week or more for them to " Settle '' a " deposit '' that THEY initiated without my consent.
Product: Student loan

I have been trying hard to put in a little extra a month to my two remaining loans through Navient. The interest rates are the same, but one is around {$600.00} more ( {$2700.00} vs. {$3300.00} ), so I want to pay the extra to the one with the higher balance. Each time I make an online payment, I specify which loan I want the money to go to, and it always gets split between the two. The last time this happened, XX/XX/2019, I requested that they fix this. Two days later, they responded saying they would make the change but not for 7-10 business days. I just made another extra payment yesterday, XX/XX/2019, and the exact same thing happened ; the money ( {$44.00} ) was split between the two loans. 

I don't want to have to keep contacting them to fix a problem that shouldn't be happening in the first place. I feel like they continue to do this just to get a little extra interest money from me which I don't think is right.
Product: Debt collection

XXXX XXXX are reporting on a XXXX XXXX debt on my collection report. A different agency by the name of CBE Group are now reporting the same debt as well. This debt is for XXXX XXXX XXXX. I 've spoken with a rep with CBE Group the first week of XX/XX/XXXX and paid {$87.00} owed for services, the remaining balane of {$170.00} I advised her I did not owe because I had already returned the service equipment. I am no longer liable for the debt with CBE Group or XXXX XXXX, and under no circumstances should two collection agencies be reporting on the same debt.
Product: Mortgage

On XX/XX/XXXX, I went to settlement to sell my house at XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. I found out at settlement that there was an unmarketable title or cloud on the property. I could not sell my home until the title issue was resolved. XXXX XXXX, Real Estate Attorney, initiated a Quiet Title Action on my behalf to resolve the title issue. On XX/XX/XXXX, XXXX XXXX XXXX, DC XXXX XXXX, Civil Division issued a court order confirming that I am the sole owner of the property and confirming that the Transfer on Death Deed is valid. The case number is XXXX XXXX XXXX XXXX XXXX XXXX ). The prospective buyer has been living in my house since XX/XX/XXXX because she had already given notice to her landlord about her vacating her apartment. I moved from the house to an apartment in XXXX XXXX  for medical reasons. The buyer, XXXX XXXX, and her agent, XXXX XXXX experienced continuous delays in the loan approval process for several months. The buyer 's loan involved a home inspection and submission of paperwork to a state organization in XXXX XXXX XXXXor a Home Purchase Assistance Program ( HPAP ) related loan. As of XX/XX/XXXX, her loan is still pending approval by the bank. I could not afford to pay a {$2300.00} rent and the mortgage at the same time. On XX/XX/XXXX, I was informed by my lender, LoanCare, that my home went into foreclosure on XX/XX/XXXX. I want to do whatever is possible to prevent foreclosure of my home. I plan to submit a Mortgage Assistance Application to LoanCare to delay foreclosure until the home can be sold to a qualified buyer. I want LoanCare to inform me of all options to prevent foreclosure of my home. I did not receive any written correspondence from LoanCare in reference to the pending foreclosure.