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

My name is XXXX XXXX and I am submitting this complaint against Equifax Information Services, LLC. There is no third party involved in this complaint. I am demanding that Equifax Information Services, LLC provides me with a copy of my written instructions that states I would like for their consumer reporting agency to furnish these fraudulent accounts. I am requesting that Equifax Information Services, LLC provides me with their method of verification used to " verify '' the alleged accounts. According to the Fair Credit Reporting Act, Equifax Information Services, LLC has violated my rights under 15 USC 1681b ( a ) ( 2 ). The accounts listed in the exhibit attached need to be deleted from my consumer report immediately. Equifax Information Services, LLC have failed to provide me with proper verification, nor do they have written instructions or consent to furnish these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Equifax was requested to delete Hard inquires that was not authorized on my consumer credit report and they failed to uphold to 15 USC 1681 and 15 USC 1602. The following inquires are not authorized and need to be deleted. 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 I ALSO WANT ALL ADDRESSES THAT ARE NOT CURRENT DELETED, ALL PHONES NUMBERS THAT ARE NOT CURRENT, AND NAMES THAT ARE NOT MY CURRENT NAME DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. The inquiry was not authorizXXXX XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXRXXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Jefferson Capital LLC try to take my money but I called them on XX/XX/23, and made a settlement of XXXX $ to pay off XXXX 's account debt, I paid over the phone on XX/XX/23, they said its take up XXXX hours and I have the confirmation number. and I also have proof of the transaction of the XXXX $ also. I want a letter stating that I paid off the debt and that I have a receipt on my behalf.
Product: Credit reporting or other personal consumer reports

Company - Experian On XXXX XXXX I sent all documents required for Experian to place security freeze on my child 's account ( since my child is a minor & I am his father ), they received these documents on XXXX or XXXX XXXX. I received a letter back on XXXX XXXX saying they didn't find any information about minor child using the info I provided. They did not provide any info about security freeze! 

I tried reaching out to Experian via phone but their automated phone line practically makes it impossible to talk to an agent and has no way of providing useful info on this topic, this is very frustrating!! I tried at least XXXX times to call their numbers and once I reached an agent who said they can not freeze the info since they cant find the file. However on their own blog they say they freeze it even if no credit file exists, see link below. Also other two bureau were able to freeze credit for my minor using the same info. I pointed both this out to the agent and this person disconnected in middle of the conversation. Their email support only supports XXXX and there is no XXXX XXXX email I found. I need to place security freeze on my minor 's account. My email is XXXX and minor name is XXXX XXXX XXXX, XXXX XX/XX/2019. My current address is XXXX XXXX  XXXX XXXX, XXXX, NJ, XXXX but for mailing address please use XXXX XXXX XXXX XXXX XXXX, NJ, XXXX ( since I will be moving here in a couple of days ) I am also providing last 4 of social for my child, DOB and name on next page on CFPB form XXXX XXXX XXXX
Product: Debt collection

XXXX RAN MY CREDIT WITHOUT MY PERMISSION IN VIOLATION OF F.C.R.A, CALL MY CELL AND WORK AND XXXX AT WORK. 
REFUSING TO SETTLE MATTER OUT SIDE OF COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I recently looked back at the life of my student loans with Navient. My complaints are two part : 1. is I let them auto apply my payment, since it would be easy. I discovered that their auto payment process, allocates the majority of my payment to the low interest loans. The high ( 6.8 % ) interest loans were paid {$30.00} a month vs. the low interest ( 2.5 % ) loans of similar amounts had $ XXXX dollars applied to them per month. This equaled a lot more in interest paid each month than there should have been over the last 6-7 years.

2. The second issue is how interest is applied month over month. Many months when larger payments were made, the following month had more interest charged ( as much as $ XXXX more per month in interest ) than the previous month, even though there was less principle to charge interest on. The payments were made ontime every month for the last 7 years. So I don't understand how and why many times interest charges fluctuated by as much as {$50.00}. Over 7 years. {$18000.00} in interest charges were paid out of {$42000.00} paid. With the largest interest rate being 7 %, And many of the loans at 3 % this is ridiculous! That's 50 % interest or an average of 7 % interest per year. Higher than the interest rate on my most expensive loans! And I was paying significant principle payments over those 7 years! I would like a full accounting of where my money went?
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Account is passed 7 years XXXX XXXX 2008 salute.
Product: Debt collection

XXXX XXXX XXXXXXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction were authorized. I was charged fees due to lagging posting of charges and credits this issues aligns both the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

I purchased GAP Insurance with the purchase of my vehicle at XXXX XXXX in the event something would happen. I didnt have the vehicle 2 weeks and someone/persons did a drive by shooting on my vehicle and totaled the car. My loan was through Huntington Bank My GAP insurance did not pay the whole amount of the loan as stated when purchasing the extra coverage. XXXX remains on my credit that I do not owe.
Product: Student loan

During my enrollment at XXXX  XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, I was misled into taking on ( federal and private student loans- but this complaint will focus on Federal ) Federal student loans under false pretenses. The school misrepresented key aspects of its programs, including job placement rates, earning potential, program quality, and credit transferability, while using high-pressure sales tactics to enroll students. These misleading actions led me to believe that my education would significantly improve my career prospects. 

I later realized that the degree held little value in the job market ; employers did not view it as credible, and the promised career support was nonexistent. As a result, I am asserting my Defense to Repayment for my federal student loans and demanding the immediate discharge of my remaining balance of {$2800.00}, along with a refund of all payments made to date, totaling over {$18000.00}. 

I am part of the group discharge claim against XXXX  XXXX XXXX under the XXXX XXXX , and have already had a majority of my loans discharged. However, I have not been allowed to file my own Borrower Defense to share my story, I am working with XXXX my federal loan servicer and student federal aid to be allowed an application to submit my story. My claim also falls under the XXXXXXXX XXXX XXXXXXXX settlement, as I attended XXXX  XXXX XXXX during the specified time frame. 

I seek the discharge of my remaining loan balance and a refund of all payments made. As well as a Borrowers Defense Application to tell me story.
Product: Checking or savings account

In XXXX my account was credited over {$2800.00} from an Appliance company. Unfortunately I had cancelled that debit card due to fraud so that money should have came back into my checking account. Mountain America Credit Union has completely ghosted me and is non responsive to my complaints. They have tied my mine up for months with no end in sight. Mountain America Credit Union wont give me my MONEY. The appliance company provided proof that is refunded my money to XXXX XXXX who works at Mountain America Credit Union, Ive talked to bank employees, bank managers and have gotten no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX
Product: Debt collection

CAINE WEINER is claiming that I owe them {$280.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Money transfer, virtual currency, or money service

I wired {$2500.00} to one of my employees for services rendered via XXXX through Bank of America. The wire was sent on XX/XX/XXXX and got an email that the transfer was put on hold. I called Bank of America on XX/XX/XXXX and was told the hold was from the receiving bank side. My employee said he went into his branch and was told his bank did not receive the information. I called today ( XXXX ) and spent XXXX on the phone talking to four different people who said they could not access my account and told me to go walk into a branch to ask where the wire is and why it was put on hold. They said I may have to go into a branch every time I have a question on my account because they didn't have access to the account. 

Call us about your XXXX transfer You sent {$2500.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX Bank of America has placed this transfer on hold pending review. You'll need to contact us within 15 days to avoid further delays and possible rejection or XXXX  of your transfer.
Product: Credit card or prepaid card

I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018.
Product: Credit card or prepaid card

I have been a customer of Citibank for over 20 years, and I have many different credit card accounts with them, including multiple general purpose cards and retail cards. They recently decided to not renew one of my accounts for no apparent reason. I have never been delinquent on any of these accounts, yet they have decided to essentially close an account for no reason. This has caused my credit score to drop by XXXX points as my available credit dropped as well as my average age of trades and credit history. I am extremely frustrated to have this adverse action taken on an account I have been paying on time for many, many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . T he loan was through  XXXX   XXXX . In   XX/XX/XXXX  our  daughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the majo r Credit rep orting agencies resulting in our credit score falling from the  XXXX    XXXX   to the  XXXX   XXXX . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departme nt (   XXXX   XXXX   XXXX   ) a nd were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Va  XXXX
Product: Checking or savings account

Wells fargo has repeatedly denied claims of fraud for a total of XXXX dollars even though we have established that the transfer of some of the funds was fraudulent after repeated times reaching out to the XXXX office we still can get no where the money was withdrawn from a wells fargo atm in XXXX  over XXXX hrs away while i had just gotten home from work with the card still in our house i am tired of being called a liar and that we couldn't have had the card here and the card was used on XX/XX/XXXX at XXXX am when i had gotten home at XXXX am when XXXX days prior the card was supposed to have been canceled on XX/XX/XXXX Due to people trying to use it in XXXX XXXX  once again
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVEany 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

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

Experian credit company puts the auto loan of XXXX  XXXX like charge off and this is wrong information also they put it in my credit like collection and it is a close account. This was a repossession voluntary of me to the bank.
Product: Mortgage

On XX/XX/XXXX I called KeyBank to know the status of the loan with an agent. I provided my Social Security number and verified myself with the agent. Then the agent asked me for my phone number to send a text to me for further verification. However, I had never had to to this before and it appear strange. When I gave my phone number, he stated that it was not the right phone number. So, I asked what phone number did the agent have and he refused to tell me. So I gave him another number that was a old landline that would have been the only number that I had ever gave KeyBank and the agent stated that was the wrong phone number which was weird. The KeyBank agent then stated that I would have to go to a branch in-person to verify myself. I then told the agent that there are no key banks in the state of Illinois. The agent stated that would be the only way to get any information regarding the account. I then requested to speak with a manager. The manager came on the phone with a language barrier who was also no help. She advised me that I would have to go to the nearest bank that was XXXX hours away in Michigan. I stated are you serious I do not travel and Im a XXXX XXXX Veteran. The agent stated that was my only option to get any information to my account. 

Im dealing with ongoing fraud with my home which I informed the agent. It appears that someone used my personal information to reach out to KeyBank pretending to be me, and provided a phone number that is not mines to prevent me from obtaining any information to my KeyBank account My reason for contacting KeyBank is because I recently looked in the recorder of deeds and noticed that I have a satisfaction of the loan in XX/XX/XXXX for the KeyBank home improvement loan, and I never received a notice of this prior. So, I wanted to know was the loan charged off and why was I not notified of this previously?
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to resolve ( 2 ) accounts showing in collections. The first account was paid in full of {$620.00} for XXXX/XXXX as no settlement could be reached. The second account was with Capital One acct # : XXXX original debt owed was {$1100.00} requested for settlement of debt and was advised if I paid {$840.00} that would resolve the debt. I sent in payments via check as debt could not be paid over the phone with XXXX XXXX. I was told once payments were received it would take 30-90 days to come off credit report and I would receive a letter from the creditor ( XXXX XXXX ) that both accounts were satisfied. As of XX/XX/XXXX I have not received any letters from company. I received a call from them on Thursday XX/XX/XXXX attempting to collect on the difference {$330.00}, I contacted vendor today who advised me that I did not satisfy the debt and this was new debt even though I verified the same account number listed above. He told me I did not have to pay the remaining debt however it will show on my credit report till XX/XX/XXXX. I'm confused as to if I was offered a settlement of the debt why my credit report is still showing an unpaid part in collections. Why offer a settlement if it doesn't satisfy the debt. I feel I was mispresented on XX/XX/XXXX and XX/XX/XXXX by this company.