23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMMONWEALTH. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Debt collection

I contacted XXXX XXXX XXXX to assist with my credit card debt to Discover. They charged my Discover account {$1800.00} to start the process, They filed some paperwork, I had a court date in XX/XX/year>, another the court date end of XXXX. I mistakenly missed the XXXX date and the judge declared I had to pay all of the balance. The original balance was a bit over {$12000.00} now it is over {$17000.00}. Discover continued to add interest to the balance. In XX/XX/year> they released my case because it was costing too much. They promised me a refund then also, but have not seen it yet I live on my social security only, I have no other income, am supporting 4 other people in my household. I go to a pantry once a week to help with groceries.
Product: Debt collection

Sunrise credit services keeps calling regarding a debt. I told the person on multiple occasion the debt is not mine, and stop calling. The keep calling from different numbers.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, Department of EducationXXXX has violated my Right to Privacy by sharing information regarding an alleged XXXX Loan that XXXX XXXX owes with the Credit Reporting Agencies without prior expressed written or verbal consent. This is in direct violation of Federally protect Rights, more specifically 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the PRIVACY of student education records. FERPA applies to ANY public or private elementary, secondary, or post-secondary school. This misrepresentation has caused extreme harm and mental anguish from the embarrassment of sharing private information with an uninterested third-party.
Product: Mortgage

I was seeking to re-finance my mortgage to a lower rate. I checked XXXX, and discovered the lowest bid for my situation with a 30 year fixed rate mortgage was with Reliance First Capital , LLC. The indication rate was an APR of 3.315 %, a nominal rate of 3.25 %, and fees of {$3100.00}. We contacted XXXX XXXX at the XXXX, TX office of this firm. He established that both I and my wife have credit ratings of over XXXX. He asked what I would like our new payment to be. I simply said the lowest possible. He finally quoted a rate of 3.875 % with an APR over 4 % and fees of over {$5000.00}. He was very reluctant to provide the APR, and told us there were no fees. We had to badger him about what the new balance of the mortgage would be to finally understand most of the fees were in a higher mortgage balance. This sort of bait-and-switch behavior makes it very difficult to shop for mortgages.
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. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX 15 U.S.C 2681 section 602 A states I have the right to privacy.

15 U.S.C 2681 section 604 A. Section 2 : It arose states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section started no consumer reporting agency may make any consumer report containing any of the following items of my information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 Years.

15 U.S.C 1681s-2 ( A ) a person shall not furnish XXXX information relating to a consumer to any consumer reporting agency if the person knows or has reasons to believe that the information Is inaccurate.
Product: Vehicle loan or lease

In XX/XX/XXXX, my XXXX XXXX was totaled. It was paid off from the total on XX/XX/XXXX to ALLY Auto Finance. I was told at that time it would be 4-6 weeks for the refund on my GAP insurance since the car was paid before the loan ended. On XX/XX/XXXX I called to check on the status of my GAP refund because I hadnt received it. The GAP department informed me they had not been notified the loan was paid off or the car totaled, so they updated my account at that time. I received a letter from ALLY stating I was due a refund if {$940.00}. They said the dealership, XXXX XXXX XXXX in XXXX, KS, where I purchased the car from would be invoiced for the amount owed ( {$940.00} ), would issue the payment to ALLY, then ALLY would pay me {$940.00}. XXXX XXXX submitted payment to ALLY Financial on XX/XX/XXXX. ALLY did not cash the check until XX/XX/XXXX. The check ( number XXXX ) cleared the dealerships bank account on XX/XX/XXXX with no issues in processing. I still have not received payment from ALLY for the GAP insurance. I have called weekly to get information and every time I am on the phone for 45-60 minutes, without any definitive answers. I am told repeatedly it is 4-6 weeks, 6-8 weeks, or 8-12 weeks, every time I call. I have been told I will get a call back within 24-hours, but I have never received a call back. Each time I call, Im told by ALLY Financial it is something ALLY Auto handles, but when Im transferred to ALLY Auto, Im told ALLY Financial handles it, so they transfer me back. When I finally get to someone who listens, they tell me they can see all of the notes from my previous calls, but can not tell me when I am getting my refund. Instead they tell me they will reach out to the department that handles it ( but has not said what department that is ) and I will get a call the next day. I never get a call back though.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

XXXX XXXX did not update for a long time, it gives a bad impact to me and my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I logged into my account today and saw pending transactions that I did not make from XXXX. The balance on my account is also incorrect once all of the pending transactions are added, and the name on my personal accounts continues to revert back to " XXXX XXXX '' even though I presented the court order for my name change and my driver 's license to a branch representative at two different locations on at least two occasions. I also received a text message from the bank regarding an attempted charge of {$99.00} from XXXX, which I did not make or attempt to make. I recently notified the FBI about prior identity theft issues, but the problems have continued. Please assist with resolving the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed this complaint ID XXXX with the cfpb and named XXXXt and XXXX in XXXX of 2023 XXXX agreed to remove the negative account from my consumer report XX/XX/XXXX I believe. Well it's still reporting. I have a letter from XXXX  saying they will remove it XXXX said they validated the account which can't be true. I called XXXX they agreed that they requested it no longer be reported. I will provide the letter from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Company is still showing up on my report in the amount of {$290.00}. It also shows the account is open, which is incorrect. It also shows that the account was paid on XX/XX/2021. I paid this balance and the company notified me that they would sent a request for delete to the bureaus automatically after paying the debt to have it removed from all of the bureaus. However, the account continues to show and has not been removed as previously stated by the company.
Product: Credit reporting or other personal consumer reports

cMonths ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. I did not give my authorization. I am writing your office today because I am a victim of fraud. An unknown individual used my personal information in the past to obtain credit from Navy Federal CR Union, and other banks without my knowledge or consent. 
I filed a complaint with XXXX XXXX Police department and I attach a copy of the card containing the case number with this letter. 

This matter concerning the Navy Federal CR Union account has been resolved with XXXX in the past and reposted again recently by the creditor. It is illegal for this information to be reposted in my personal credit file when it was deleted and blocked in the past due to fraud. Please delete and block these fraudulent accounts from my credit report as they are fraudulent information. I'm expecting that the credit bureau will help me with this matter, I want to thank you in advance.
Product: Credit reporting or other personal consumer reports

To whom this may concern i have recently gone over my credit report and spoken with an collection agency that is reporting to my report the agent i spoke with is XXXX from XXXX XXXX XXXX, also i have gone over the itemized billing with XXXX and he stated that i was being charged {$3000.00} for a termination fee, which i have in written documentation that it is supposed to be waived, so that is inaccurate also upon checking XXXX XXXX  original amount reporting to my credit report is {$4500.00} of which {$3000.00} as the termination is not supposed to be there. i also received the itemized breakdown from XXXX at XXXX and XXXX which states the same also with the mailed letters that show the itemized breakdown. as per the recorded call majority of my balance is being charged based on a termination fee of which I'm not supposed to be charged for due to moving because of mold in apartment, as per FCRA 15 U.S. Code 1681e ( b ) states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 



which means this collection needs to be removed/deleted from my report due to the inaccuracy of the reporting. please remove Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to XXXX XXXX XXXX. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially reported as default by XXXX  XXXX XXXX in XXXX XXXX. The delinquent status on the mortgage account would have matured in XX/XX/XXXX, seven years has passed and this mortgage account is still being reported to Experian. XXXX XXXX XXXX has submitted fraudulent documents to Experian in the investigation of this mortgage account. Documents from XXXX  XXXX XXXX to contest XXXX XXXX XXXX will be submitted. 

Experian allegedly conducted an investigation with XXXX XXXX XXXX. Experian was reporting the account being as being charged off. I disputed this claim. I contacted the XXXX XXXX XXXX and did my own investigative due diligence and obtained an Obligation Summary letter on my account which actually had a credit of XXXX. Documents from XXXX XXXX XXXX to contest Experian credit reporting will be submitted.
Product: Debt collection

Every few months, I get calls from debt collectors, MRC Receivables ( XXXX ) for a debt owed by XXXX XXXX ( I'm guessing the previous owner of my phone number ). This has been going on every few months for the past 6 years. Every time I inform them that she no longer owns my number ( XXXX ). This morning, XXXX   around XXXX  I received another robo-call from them stating they have a legal case against me ( not stating who the case was against ) and to call them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Experian Information Solutions , Inc and their is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXX XXXX Delete all hard inquires & late payments as well
Product: Mortgage

Due to a serious illness of XXXX of us beginning in XXXX, my spouse and I experienced financial difficulties that resulted in a charge off dated XXXX XXXX, XXXX, with our Mortgage Lender on a home equity line of credit ( second mortgage position ). Our first mortgage remained paid, but the home equity line lender, Wells Fargo Bank, obtained a judgment against us in XXXX, and has been receiving monthly payments ever since XXXX, currently in the amount of {$600.00} per month, being voluntarily paid by us. Since XXXX, we have been trying to refinance our home to pay off the judgments against us, by using the equity in our home, so that our credit scores will recover, and we can get fully back on track. But Wells Fargo continues to report the XXXX XXXX charge off as a current charge off, dated XXXX XXXX, in addition to reporting the XXXX judgment, which has caused our credit scores to continuously remain " deadbeat '' low, to the point that we can not qualify to refinance our mortgage to help clean up this credit mess. How can Wells Fargo continue to ding our credit score XXXX, by reporting both a judgment and a charge off against us, and show the charge off as only a year old, when in fact it occurred in XXXX? Please Help Us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. Accounts XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX- 2016 XXXX XXXX XXXX XXXX-2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I sent a multiple inquiry removal to Equifax on XX/XX/2018 as well as called Equifax on 2 separate occasions XX/XX/18 and XX/XX/18 in order to dispute information, in regards to several inquiries that were reporting on my credit report. After I spoke with a representative on XX/XX/2018, she stated the inquiries would be deleted due to being unauthorized. I received notification the next business day on XX/XX/2018 that the investigation was completed ( after only 1 business day ). I again called on XX/XX/18 and was given a confirmation number. I called immediately after to check the status using the confirmation provided and was told the investigation was completed. This was within 5 minutes of the call!!! The request included 12 hard inquiries that were not factual and I received the same response for ALL inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that ANY information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. How are they factual when I have contacted the creditors as well and they have no account. Furthermore, they have no knowledge of me doing business with them. The fact that I received a response 1 business day after 1 call, and 5 minutes of another call, one can assume that no investigation was done into the matter. Please remove these inquiries from my credit report. I have no knowledge of them, I did not sign anything, nor do I have any accounts attached to them. I'm planning to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble which is not the case. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of the consumer.

Delete the following inquiries 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

In early XX/XX/XXXX I mailed following request to Equifax Security Freeze - I have lost my 10-digit Security PIN and am requesting a replacement PIN. Enclosed is a copy of my Indiana Driver License. My phone number is XXXX and my email is XXXX. 
Please let me know if you need any additional information. 
Thank you, ( please see attachment A below ). 


On XX/XX/XXXX, Equifax Security Freeze sent me a letter indicating the ".. security freeze was permanently removed from your Equifax credit file. '' ( please see attachments B-page1 and B-page2 below ). 

This was not correct - over the next 6 weeks I was unable to access my Equifax credit report, nor was my bank, XXXX XXXX XXXX in XXXX IN, able to obtain a copy of my Equifax credit report. 

On XX/XX/XXXX, I communicated this information in a letter to Equifax ( please see attachment C below ). 

I have tried unsuccessfully since then to retrieve my Equifax credit report, as has my bank. Each request by my bank comes back that the " ... customer requested security freeze .... '' Equifax either refuses or is unable to remove the security freeze on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My recently active American Express credit card # : XXXX My name : XXXX XXXX The offer is : will get XXXX miles if I spend at least {$3000.00} within 3 months. 
I did it within 3 months and spent $ XXXX. But AX declined the offer and didn't explain any reason -- -no any written notice, no any call. 
This is an absolutely scam. I need AX send me a letter to explain it.
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 lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, while transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on 11/16/21 2 on 11/17/21 and 8/15/23 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

Will not allow 3rd party app to access account. ( XXXX ). I have used this app for months to help me pay off debt and now all of a sudden PNC is refusing to allow me to utilize it.