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

I summited disputes for XXXX and received dispute results XX/XX/XXXX, and I summited for XXXX and received results back on XX/XX/XXXX, Transunion I summited a dispute and got results back on XX/XX/XXXX. This case with company has been going on since XXXX. I have disputed Inaccurate credit Reporting for lates, And also all three credit Bureau have treated my credit reporting unfairness and Inaccurate. My FCRA rights with my financial information has been use against me and has violated my FCRA Rights has a consumer. Just recently for month of XXXX I had a high XXXX and higher credit score and applied to buy home and my score drop 3 times in one month. And then a company put on credit falsely late payment when it was not and reported inaccurate information and drop my score even more all in one month. I feel this is a economy discriminated against me as a consumer and a XXXX XXXX XXXX. I have been fighting since XXXX and moving forward. My XXXX XXXX stayed at low score since XXXX to XXXX didn't move at all due to a company and what they had put on reports.
Product: Debt collection

Navy Federal Credit Union and all three credit bureaus must provide copies of any documents and any tests used to report the auto loan charge-offs. They must provide me a copy of any and all documents used as legal instruments to charge-off my account. Specifically, each of you must show, in yousr response, a copy of any and all promissory notes, including terms and conditions, used to justify placing auto loan charge-offs on my account. Note : If there are two different promissory notes, you must show them. NFCU and all three credit bureaus must address the charge-offs. The charge-offs and credit scoring must be reversed and removed from my account history and from my NFCU account, today. No frivolous responses will suffice. Justify what each of you have done, in accordance with credit reporting laws, XXXX  XXXX laws on charge-offs, and all pertinent laws. Confirm whether I have been removed as a member of the NFCU.
Product: Money transfer, virtual currency, or money service

tried to withdraw funds but told account put on hold due to suspicious activity. i havent even been on this account in months prior now all of a sudden i cant withdraw?! contacted company and they asked me to send them a copy of my drivers license and a handwritten note confirming the day; told it would take XXXX business days to resolve. i sent the info the same day and havent heard from the company since. its been XXXX business days! my personal information is out there and still can not withdraw funds!
Product: Debt collection

I had a notification from my credit reporting agencies indication a major action. So I looked into it. Come to find out I have a collection on me for a " medical '' bill. Problem is, I haven't been to any medical professional, hospital, emergency room or anything relating to that in over 15 years! I am in an active dispute with the 3 credit reporting agencies. Now over a year ago I did misplace my wallet. And it was found and mailed to me. Money was missing but otherwise seemed untouched. I didn't think anything of it at the time. Maybe this could be a pending result of that? I'm not sure. But I know this debt isn't mine because the services they claim, I haven't used such in over 15 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries that appear on my credit report are fraudulent and were not inquiries I made : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed unauthorized inquiries showing up on my credit report at each of the three major credit bureaus Reporting on transunion XXXX  XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/22 I have not given permission for any of these creditors to pull my credit report and I believe I have been victim of identity theft
Product: Credit card or prepaid card

Bank of america EDD card. A XXXX attack of XXXX of XXXX fraudulent charges against my account resulted in loss of {$3400.00} This happened XX/XX/XXXX and XX/XX/XXXX XXXX. 

BofA said the claim must be processed in small batches. Over the next few months i received literally XXXX of letters detailing random claim amounts. I have spent hours on the phone trying to resolve. Eventually I managed to get {$3000.00} back in XXXX and then {$170.00} on XXXX and i charged {$15.00} to the card. This leaves me missing {$210.00}. I had one CS rep who spent 2.5 hours with me on the phone and added up and agreed and resubmitted. But then they re did the claim and erroneously paid me {$450.00} but reversed payment before i could claim any of it. 

The process they are using to audit the transactions is clearly flawed. The customer service reps say there is no complaint procedure. All they can do is put the whole thing back in the system which may take months. 

Why cant someone do what i have done and compare deposit, fraud and my withdrawals to see i am owed money still. 

Beyond frustrated. I get nowhere talking to customer service. I end up shouting at them which is frustrating. Today another XXXX hour call and supposedly a request has been submitted to reaudit my claim but i have zero confidence. 

Hoping this service can help as it feels like I will never get this resolved through the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX FL
Product: Credit reporting or other personal consumer reports

My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. 
I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. 
The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXX '' or any other variations. This is the only accurate name associated with me. 
* Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. 
* Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXXXXXX XXXX XXXX, NY XXXX '' * " XXXX XXXX XXXX AV XXXX, XXXX XXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * XXXX Bank : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Balance : {$6800.00} ; Opened : XX/XX/XXXX. Despite numerous disputes, no corrective action has been taken, and this is my final attempt before pursuing legal action. I had to dispute an account where I was added as an authorized user without my consent, and it's inaccurately reported as accurate. 
XXXX XXXX XXXX XXXXXXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Account # XXXX ; Owed : {$13000.00} ; Opened : XX/XX/XXXX ; and Account # XXXX ; Owed : {$12000.00} ; Opened : XX/XX/XXXX. I only had a checking account with them, not credit cards or loans. Negative checking account information should be reported to XXXX XXXX, not my credit report. 
It's worth noting that a breach detailed in an article ( https : XXXX ) is responsible for over XXXX XXXX stolen identities, as discussed. 
I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attempted to put a freeze on my credit information held by TransUnion five times, and TransUnion declines to comply with my request : - Their web site declines to accept valid information, referring me to a phone number instead - After navigating a tree of menus, I am put on hold for many minutes, then disconnected.
Product: Debt collection

This collections company is fraudulently attempting to collect a debt that is not owed along with submitting false information on my credit profile and violating my consumer rights. On XXXX XXXX, XXXX, and Equifax all deleted the original collection account from my credit in which was proved that the information provided was sufficient enough to have removed. The damage to A/C Units is not proved to be caused by me, I was told that I did not owe anything and the original creditor 's manager at the time indicated that I already had paid a payment in advance that would suffice ( see the documents sent in the prior complaint ). This collection agency has refused to speak with me in regard to the matter each time i have called and i have recordings of those attempts to speak with the representative over the account. Per the The Fair Debt Collection Practices Act ( FDCPA ). The FDCPS prohibits debt collectors from using unfair, deceptive, or abusive practices to collect debts. The company has violated my rights in a number of ways, despite this being a fraudulent collections account, the collection company has failed to send me notice of this account being adjusted as they say it was, also I was never formally informed of this collections account that is new as they reported to the credit agencies. If this is associated with the previous collection account that was removed this is in fact illegal what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX.
Product: Student loan

I've reached out to Mohela several times since the XX/XX/XXXX decision on XXXX plans. I unfortunately consolidated my student loans right around the time this decision was made and was unable to enter into an XXXX  plan. I completed a XXXX  application and simultaneously reached out to Mohela for information on what options were available during the waiting period if I am unable to pay the full amount of my loans without a reduced payment option. I've reached out multiple times requesting information on what options are available and have received no response. I understand that the XXXX application can't be processed at this time, but I do not understand why no information is being provided about preventing default during the time period when the applications can't be processed. It seems unethical to not provide information of some sort to borrowers who are trying to do the right thing but can not do so because of the government 's current decision.
Product: Debt collection

I recently graduated from college my student loans are now through Navient. My partner, XXXX XXXX has student loans through Navient and I am not associated with his loans and am not a contact he would have given Navient. I am assuming that because we live in the same house they have started contacting me to try and reach him. On XX/XX/23 at XXXX XXXX  ( PST ) I received a call from a XXXX XXXX saying : " has me listed as a possible contact for XXXX XXXX and I'm trying to get a message out to XXXX but don't seem to have a working number so I was contacting you in the hopes that you might have an updated number or possibly a suggestion on how to get a message to XXXX. '' XXXX has talked with Navient in the last two weeks, they know they have his updated contact information, they have made notes on his account. The information that this man XXXX XXXX left on my voicemail is false. I reached out to Navient and was told by the woman I spoke with that when they can't reach someone they will try to contact the other people listed as family. I am not listed as family on XXXXXXXX XXXX account, and told them not to contact me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters in XXXX, XXXX nd called in XXXX and called all three agencies last evening XX/XX/XXXX about an account from XXXX XXXX. XXXX XXXX has been of no help and I have excellent credit but the inaccurate reporting of this account is detrimental to me. I have asked them to fix and investigate and they either ignored or moved the date of late payment which didn't happen to date of contact. 

XXXX says XX/XX/XXXX opened closed paid as agreed but updated last on XX/XX/XXXX XXXX says XX/XX/XXXX opened closed paid as agreed but updated last XX/XX/XXXX Transunion says XX/XX/XXXX opened closed and paid as agreed but last updated XX/XX/XXXX They are ignoring my certified letters to fix this error and most recent inquiry should be as of XXXX. This is only info I have on this account XXXX XXXX XXXX. They are not investigating my complaints and not updating me per US Code 1681. This is hurting my score even though still high and no one is helping or responding
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the XXXX copy A, XXXX has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX directly, but the situation remains unresolved.

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Product: Mortgage

The loan modification was completed and filed with the XXXX County Courthouse XX/XX/XXXX with the new payment of {$2200.00}. We have continued to make this new payment since XXXX of XXXX ( when loan mod started ). Home Point Financial has been our mortgage company since day one ( apparently the loan had a different service last year. HPF claims the last servicer didn't file the documents internally or transfer with the file. After speaking with them nearly weekly for the last 3 months I finally spoke with a Supervisor yesterday ( XX/XX/XXXX - XXXX ). He mentioned that the payments have been properly posted. However, unknown to him the underwriters still haven't made it official in their system which causes continued charges, fees, late credit issues and negative reporting with the credit agencies. 

Our credit ( both my wife and myself ) has gone down over 100 points since beginning this process last XX/XX/XXXX. We have never been late or missed one payment yet this continues. 

Home Point Financial Loan # XXXX Loan Mod # ( XXXX ) XXXX XXXX ( Supervisor ) extension : XXXX Enough is enough - fix the files, terms, and payments that both of us agreed to, signed and filed with the local courthouse. Also, the terms were to erase any and all negative credit bureau reporting.
Product: Vehicle loan or lease

In XX/XX/year>, I purchased a new XXXX  XXXX XXXX with a car loan through XXXX XXXX  XXXX XXXX During the loan approval process, I noticed that my credit history was not recognized, which led to me being offered a 7 % APR instead of the 0 % XXXX promotional offer available at the time. Upon reviewing my credit report, I found that my Social Security Number ( SSN ) had been incorrectly entered by a XXXX  XXXX XXXX representative, which caused the issue. I immediately reached out to XXXX  XXXX XXXX, requesting clarification on why my credit history was not showing up and asked them to verify and correct my SSN. Additionally, I asked for an explanation regarding the 7 % APR despite the 0 % offer. Unfortunately, I have not received a satisfactory response or resolution, and the incorrect APR continues to affect the terms of my loan.
Product: Mortgage

Hi, I have a mortgage with Rocket Mortgage, and for the month of XXXX, my XXXX payment made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Prior to it bouncing, I put the account in COVID forbearance because I knew it was going to bounce. ( XX/XX/2022 ) The forbearance was approved, the payment did bounce in the approved forbearance time period, I generated the capital to pay XXXX and XXXX. 

I scheduled that payment on XX/XX/XXXX for 2 months and informed Rocket Mortgage to close out the forbearance because I was making the payments. 

The Rocket Mortgage person said, and please verify this on the phone records, " if these XXXX payments don't go through, we will record a late payment. '' I said no problem at all. 

Since, I closed on a HELOC, and in XXXX, Rocket Mortgage decided to make the XXXX payment late causing adverse credit decisions. 

I have all documents recording these conversations and Rocket Mortgage has the phone call recordings. 

I wish the CFPB will look into this matter and review all evidence I am presenting here.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Auto loan from. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off XXXX % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX  months ( XXXX  years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all XXXX major credit report agencies TRANSUNION. XXXX. XXXX. please have this account removed and updated immediately thanks
Product: Credit card

XXXXOpen account # XXXX at Sam 's Club for a Synchrony Master Card and never received invoice for the account number XXXX. 
XX/XX/2023 Received text that I was late with first payment for Account XXXX that I still had not gotten.I called and talked to agent from Synchrony and explain that I had not gotten any invoices from them and he said I owed {$28.00} which I went to Sam 's club and paid {$28.00} on XX/XX/2023. 
I have original receipt that I paid. I told them to close account for # XXXX, I cut up card and never use it again. Synchrony Bank applied it to different account number that I did not sign up for and every month there after they keep billing me for different amounts and adding interest, penalties and threats. 
I am getting invoices, texts and letters each month and i have called them each time and have to spend one half to two hours on telephone trying to get this resolved.
Product: Mortgage

I tried to modify payments with Ocwen Loan servicing LLC and got the run around and basically lost my mothers home that passed away. They promised me money to move after taking my deceased mother 's home that me and my brother tried to keep. I feel that Ocwen Loan servicing LLC ripped me off and stole my mothers home that she wanted us to try and keep.
Product: Credit card or prepaid card

I was victim of a scam involving my Discover card on XX/XX/22. I received a text from someone purporting to be my boss, asking me to purchase {$1000.00} worth of XXXX XXXX XXXX. This person said he was in a meeting and couldn't talk, but needed the cards for a holiday gift and wanted me to take care of this errand for him. Of course, I wanted to help so I purchased the cards, and texted him the activation code, per his instructions. 
Moments later, I checked and realized the caller was not actually who he said he was and that I had just been scammed. I called my bank immediately ( within minutes ) and requested them to reverse the charges and to start an investigation. They said there was nothing they could do. They offered no help at all.