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

I had my identity stolen and submitted the police report to XXXX to have the following accounts removed because they do not belong to me : All Navy FCU accounts that have balances of {$9100.00}, {$9000.00} and {$6300.00} on my credit report ( there are XXXX ) Also I ask that all Navy FCU hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and another on XX/XX/XXXX I did not authorize these inquires nor did I apply for any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have demanded that all of my personal information on my credit report be 100 % accurate, which it is not. I have already provided proof of my address to Experian, which it has ignored internally citing that " it does not remove personal information for which its creditors are reporting '' even though the information that they are reporting are WRONG! I have provided Experian with a copy of my Drivers License and a copy of my Utility Bill. They are reporting inaccurate and unverifiable personal information about addresses and names that do not belong to me. 

I am " XXXX XXXX XXXX residing at address XXXX XXXX XXXX XXXX, XXXX SC XXXX '', as the letter and proof that I sent to Experian states that I am, and under section 609 of the FCRA I demand that all other inaccurate personal information be removed from my credit report. That includes all other addresses and name variations, as what is being reported must be 100 % accurate. 

I do not recognize the other addresses or name variations on my credit report, and they are wrong. I demand that they be removed, since I have brandished a copy of my federal ID and a Utility bill with 100 % accurate and verifiable information.
Product: Credit reporting or other personal consumer reports

I had an old account with affirm that Ive not used in a very long time. Someone stole my identity, and purchased a personal loan under that account. My social security was under identity theft protection during that time due the the same reason, someone was trying to open accounts with several banks and other personal loan businesses. Despite, they ignored this, and rejected my investigation. Logically, no person would open a personal loan account for {$50.00} only. That is very ridiculous. And I filed a report with XXXX, and they are taking their side because affirm has my social security number.
Product: Debt collection

I have been disputing this debt with Nordstrom for over the last XXXX years now. This debt does not belong to me. I have been a victim of identity theft several times. Nordstrom has refused to deem this debt as invalid and not belonging to me.

The last time I disputed this account, the fraud department let me know that the debt is being deemed valid because of credit payments made on the Nordstrom account from a XXXX XXXX  account in my name and asked me to provide proof that the XXXX  account was not mine and that I did not authorize the opening the of the Nordstrom or XXXX Account in order for the negative Nordstrom account to be removed from my credit profiles. 

As a result, I researched this claim because I did not have a XXXX XXXX  account. I pulled my consumer report on XX/XX/year>. I saw the account Nordstrom was referring to on my consumer report and filed a dispute to get the account removed and my consumer report updated. The fraudulent XXXX account used to make payments to the credit card was removed and my consumer report updated effectively. I have attached the old report and new updated report reflecting the removal of the XXXX account due to identity theft and the account not being mines.
Product: Credit card

On XXXX/XXXX/24, a CFPB complaint was made ( due to Amex wrongfully retaining a {$690.00} fee ). 

On XX/XX//24, Amex resolved the complaint by agreeing to refund the {$690.00} fee ( in writing via the CFPB ). 

As of XX/XX/24, Amex has not refunded the fee within the timeframe Amex specified in writing. 

Unfortunately, Amex continues to engage in the false and deceptive practices that are outlined in the original complaint. 

See attached for documentation of all of the above.
Product: Mortgage

I am a XXXX XXXX and am very familiar with the payment processes on a mortgage loan. My home is finance through Quickens Rocket Mortgage. I pay my personal mortgage ahead and with a little extra for principal every month. I was due for XXXX on XXXX the XXXX and I made that payment. I didn't remember to change the date of my next payment that is set up automatically through my online banking, so I made another payment on XX/XX/XXXX. That moved my next due date to XXXX. I assumed by paying my payments early that more of each payment would go toward principal since each payment was made less than 30 days apart. When I realized I had made 2 payments back to back I went online to see how much principal I had knocked out. To my surprise, when they processed my payments they took out a full months interest from both payments. I assumed the second payment would only have 1 days interest accrued taken out of it but it did not. It had a full 30 days of interest taken out. I called Rocket and explained that they had processed it wrong. The gentleman told me that it was correct that it goes by the amortization schedule. I told him the amortization schedule was simply a prediction of what I would pay, if I paid exactly as the schedule predicts, but I do not, I pay early. In this case months early and 2 days apart. He asked if I wanted him to send me a copy of the amortization schedule. I said no, I don't need that. I then told him I thought it was illegal for them to collect interest they had not earned. He assured me it was legal but I do not see how that is true. From what I understood after talking to him was that if I mailed them XXXX check for XXXX payments today in one envelope ( which is the number left on the loan ) they would take a full months interest from each one of those payments. I can't find any language in my note that states this process, only that they will pay interest fist and principal second, which is common. I can't believe what they are doing is acceptable and haven't found anyone who knows, so I am writing you. If this process is compliant, it should not be.
Product: Debt collection

I have called XXXX XXXX ( Gym membership ) several times and emailed them that I want to cancel my membership. I've also emailed my request. The answer is " You need to come down to the gym and cancel it '' I told them " NO '' I do not. I also get automated calls everyday from the parent company ABC fitness. All I want to do is cancel the membership. They state I have an outstanding bill. Not true! Attached is the email correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I applied for a XXXX  credit card today XX/XX/2020 and I was not approved because I guess there are two accounts in negative standing on my credit. The accounts are from XXXX XXXX & XXXX XXXX. Those accounts are not mine ; I never opened them and I did not allow anyone to open them in my name. I do not have any written/verbal contract with either of those companies nor did I gain anything such as money, goods, services or any other benefit from these accounts and I never contributed to any payments made towards those accounts. I have already filed a police report regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX Reason : unspecified Duration : this inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

Since XXXX, 2019, I have been asking this company for information verifying this debt, but all I keep receiving is a billing statement with phone numbers that I do not own. There are no verifying documentation given. The credit bureaus keep stating that the account has been verified, but I'm confused because I've gotten nothing from the creditor to verify this debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax, requesting specific information on how they verified the accuracy of the bankruptcy reporting on my credit report. 

Public Record Court Name : US DIST CT Reference Number : XXXX Specifically, I requested that Equifax provide the following information : The date you contacted the creditor/furnisher Name of the person who verified the item Method of communication used to verify information Whether the creditor provided SSN, address, and date of birth Despite my clear and thorough request and the provision of my driver 's license, a copy of my Social Security card , and proof of address, I have not received any response from Equifax. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a bureau is disputed by the consumer, the credit reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Product: Debt collection

I am filing this complaint because DIVERSIFIED ADJUSTMENT have ignored my request to provide me with ALL documents that their company has on file that was used to verify the accounts I disputed. They only sent insufficient validation documents. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting or other personal consumer reports

Disputed inaccuracies for the accounts listed below with both Experian, and Equifax, when asked for debt validation and proof of owner ship a thorough review was not completed I received email notification that the debit was verified, with no documentation or details on how the debt was validated after multiple contact attempts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I used to go to XXXX XXXX XXXX XXXX XXXX. All of the services done were covered by my insurance company. I just received a letter that as of XX/XX/XXXX I owe them {$7200.00}. My last visit there was XX/XX/XXXX for XXXX XXXX. I dont have any information why I am being charged.
Product: Credit card or prepaid card

XX/XX/2020, I received fraud alerts from Bank of America credit card, I called them instantly. They asked did I make any purchased in XXXX. I told them no because I was still at work. They also asked me do I have my credit card with me, without checking my wallet or thinking my wallet would be missing, I told them I still have it. Then not long after that phone call, I received fraud alerts from my XXXX Credit Card regarding same thing. At then, I went to check for my wallet and only to find my wallet was missing. Then the same time I started to get fraud alerts from XXXX XXXX ( ATM card ). At that point, I called all my credit cards and banks ( XXXX XXXX and XXXX ) to freeze them. 
Between the evening of XX/XX/2020 and morning of XX/XX/2020, XXXX XXXX ATM card was charged {$350.00} and {$480.00} in XXXX  ( XXXX XXXX CA ) ; XXXX Credit Card was charged {$480.00} in XXXX  ( XXXX XXXX CA ) ; Bank of American charged {$220.00} in XXXX ( XXXX ), {$3.00} in XXXX ( XXXX ), {$20.00} in XXXX ( XXXX ), and {$15.00} in XXXX gas station ; and someone tried to empty my banking balance from XXXX for the total amount of {$15000.00}. 
XXXX Credit Card and XXXX XXXX both agreed that fraud occurred on XXXX through no fault of mine. XXXX also frozen my checking account at the first instant of fault, and not a XXXX lost. 
However, Bank of America declined my fraud claim stating that I gave permission for the person to use my credit card. 
I disputed Bank of America 's decision and sent in proofs that my wallet was stolen and all my credit cards/atm cards were stolen ( proofs include a police report, screenshot of text alerts from all of the credit cards/banks, timesheet to prove I was at work ).
Product: Credit reporting or other personal consumer reports

After further investigation the auto contract was fraudulent, my sinignture was forged, wire fraud and insurance fraud was involve with my auto contract. Which makes the contract non and voided. 
I went in the dealership XX/XX/XXXX. After reviewing the contract gap insurance and extended insurance was added XXXX XXXX by the dealership XXXX XXXX XXXX. The extended warranty was not mentioned. The box was not checked for gap. The extended warranty was not signed but I was charged for both. The vehicle had electrical issues two days after the purchase date and was towed back to the dealer XX/XX/XXXXXXXX XXXX  The extended warranty was not mention. Was refused a refund to return the vehicle. The Right to Rescind was also not mentioned. 
The vehicle is now charged off of my credit from XXXX XXXX XXXX. They Cahrged off the vehicle XX/XX/XXXX without my knowledge. As well as not sending off a 1099 form. In XXXX I sent in a payment of {$900.00}. Then a payment of {$2400.00} in XXXX without still knowing the vehicle was still charged off. The amount reported to the irs for the charge off as well as on my credit report and the amount they received are all different and incorrect amounts.
Product: Debt collection

This consumer committed mail fraud breach of trust, copyright infringement, grand larceny aggravated identity theft. Breaking several violations of domestic and rights the ucc and common law. By breaching the Trust and stealing trust property. By assuming the role of the Trust Protector. Violations will be attached with an invoice for these violations. If the invoice is not paid I will enforce in an admiralty venue a maritime lien subject to levy, distraint, distress, a certificate of exigency.Failure to respond within 10 days of receipt of notice. I will execute through Litigation complaints have or will also be filed with federal courts. UCC actions will be taken as well. I have never heard of this company nor have I ever authorized them to use any of the trust property.
Product: Debt collection

My mother, sister, job and i keep receiving phone calls from a gentleman named XXXX stating he is trying to collect a debt for XXXX I go to XXXX and they do not have this said persons information. They are harrassing me at my place of employment, my cell phone and other family memebers. They also said they are going to garnish my wages if i dont pay by the end of this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICITM OF AN IDENTITY THEFT, AND THE COLLECTION ACCOUNTS ARE FRAUDULENT. I HAVE SENT ALL REQUIRED ITEMS HAVE BEEN SENT TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. EVERY TIME I SPEAK WITH EQUIFAX AGENT, THEY DON'T HAVE INFORMATION TO PROVIDE ON THE COLLECTION ACCOUNTS, I HAVE SENT THEM NOTARIZED IDENTITY THEFT.
Product: Credit card

On XX/XX/year>, they posted a auto payment to my bank in the amount of {$3200.00}. This is the balance that I owed on the card. I did not make this payment. I spoke to my bank and they disputed the charge. 

On XX/XX/year> they sent me an email that the autopay payment would be deducted from my I discontinued autopayment with XXXX. 

When I rec 'd my billing via email it shows a balance of {$6200.00}, I do not owe this, it is a double billing on my account and they did not do as they said they would do. 

Yesterday I spoke to a manager, she said it would take 2 -3 months to sort out and that, what I was told previously in XXXX and XXXX, was not taken care of by the person that I spoke with at XXXX. 

I want this resolved immediately. I will continue to make my payment, however, I am sure they are including the total balance they have posted, has service charges and interest that is incorrect. 

This is not the first issue I've had with XXXX They are not a reputable company. Once this is settled, I will never use them again and deter anyone that wants to use them.
Product: Mortgage

SPS my mortgage company ( SPS # XXXX ) has had since last year a copy of my Flood Insurance that is covered under my HOA. I uploaded the Flood Insurance Certificate onto SPS web site that allows you to upload documentation. That was done XX/XX/XXXX and on XX/XX/XXXX I received a email from SPS stating they received the documentation. With that said, SPS has been charging me every month since XXXX of last year an extra {$150.00} per month due to the fact they have never removed their Flood Insurance Policy and replaced it with my HOA. So at this time, I have been charged so far {$1000.00}. Even after speaking with SPS Insurance Depart ( XX/XX/XXXXXXXX XXXX XXXX ) where they stated that they do have my HOA flood insurances policy on file but never removed their to add mines! Now SPS states that they need to verify the Flood Insurance Policy that my HOA send to them before any refund can be made. I said no. You have had this since last year. Therefore, remove your flood Insurance. The agent said nothing else, and left me on hold for over 45min. Before, he hung up.
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : SANTANDER XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Credit reporting or other personal consumer reports

This debt hasn't been validated. I have asked for a debt validation letter several times never received anything from this company. I don't know who this company is this just appeared on my credit report.
Product: Checking or savings account

On XX/XX/XXXX I received a text from SoFI advising a suspicious transaction was just attempted. I confirmed I did not complete this transaction. I immediately called and the rep advised they froze my card and I could probably use it the next day. She did not seem knowledgeable about how to handle the situation. I had to call back in- 2nd rep issued issued me a new card and advised to call back to dispute the charge when it posted. I disputed the charge on XX/XX/year>. Upon hearing nothing and it being the 10th business day I followed up and requested my provisional credit due to the time it was taking to complete the investigation. Mind you the bank is the one that caught the fraudulent charge to begin with- clearly hit their algorithms. The rep apologized for the delay and it was still being investigated. I requested a provisional credit to which I did not receive. The transaction in dispute is {$1600.00} which is a lot of money. Please conduct an investigation into SoFI practices and help me get my money back. Thank you!
Product: Debt collection

Someone used my name and DOB for a Hospital bill. 

This is not the first time that a person with a similar name has been shown in criminal reports using my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Truist bank never sent me a debit card, for starters. The wait time on the phone is upwards of two hours and then you get hung up on. I deposited a check last week and it has yet to show up in my account, so basically they have stolen my money. They will not respond to me.
Product: Credit reporting or other personal consumer reports

Please see the attached FTC report and remove this unverified account from my credit report. I contacted the original creditor, and they could not verify the account or balance reporting. Furthermore, this account is past the statute of limitations. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX has violated my rights. 

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
Product: Credit reporting

I disputed account with Experian and XXXX that were reporting incorrectly. Accounts that were not mine. XXXX deleted the accounts. Experian has refused to even acknowledge the accounts were disputed as attached will show in the comments section that there is nothing listed. Ad part of the FCRA it is my understanding that it should show the account is in dispute. The Attachments I am submitting will show the accounts. Hopefully they will do their job and remove the accounts just as transunion and others have because they do NOT belong on MY report. Thanks!