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

I NEED HELP GETTING THIS ERROR CORRECTED ON MY CREDIT REPORT DUE TO IDENTITY THEFT.
Product: Mortgage

signature does not match borrowers signature on originial mortgage. i received paperwork that i requested from wells fargo who took over world savings bank loans. my XXXX year old deceased mother was taken advantage of by world savings bank back in XX/XX/XXXX. XXXX XXXX borrower have been arguing back in forth writing letters and i have a response from wells fargo where they responded to her letter dated XX/XX/XXXX. this mortgage is fruadlent. im encolsing proof of signatures and loan documents that i received from wells fargo. please read documents ive provided with this complaint. property address is XXXX XXXX XXXX XXXX XXXX illinois XXXX. IM THE OWNER OF THE PROPERTY LISTED ABOVE. IM TRYING TO MAKE SURE THAT SHE OWES THIS MONEY BEFORE I DO ANY LOAN MODIFICATIONS WITH COMPANY. IM QUESTIONING SIGNATURE ON LOAN DOCUMENTS AND CURRENT AND OLD ID WHO SIGNED MY MOTHERS SIGNATURE. WELLS FARGO SET A SELL DATE ON THE PROPERTY WITHOUT NOTIFYING ME. IM JUST NOT FINDING OUT. MY CONCERN IS TO SEE WHO SIGNED HER NAME. I NEVER APPEARED TO COURT TO OR GOT ANY COURT PAPERS ABOUT FORECLOSOURE OR SELL DATE. ORIGINIAL LOAN WAS GENERATED BACK IN XX/XX/XXXX FOR XXXX MY MOTHER WAS NOT WORKING AT THE TIME WHO WILL GIVE A ELDERLY WOMAN A LOAN WITH RETIREMENT BENEFITS.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit pass complaint to XXXX and XXXX measure the act and report herein to remove XXXX credit inquiry, and fault of association assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a XXXX XXXX XXXX from US Auto Sales in XXXX S.C.. In XXXX my wife was laid off from her job, and began the search immediately. We had a small cushion to get by on and still maintain our finances. XXXX things had begun to tighten up and we started to get behind. By XXXX US Auto had disabled our car, not allowing my wife to look for work. Come mid XXXX or early XXXX we had seen on the news that all US Auto dealerships were closed. I began calling numbers given to find what was going on, however the numbers were leading to businesses in New Jersey, Texas. None dealing with autos. By the end of XXXX I recieved an email from US Auto to start forwarding my payment to Westlake Portfolio Management. I instantly XXXX this company to find nothing but horror stories for reviews of others that had the same scenario happen only to pay off the vehicle only to be told to pay thousands more to receive their titles or never receive them. Upon investigating further I called the XXXX which held the warranties and gap coverage to find US Auto had not paid for the warranties a year before I had even purchased this vehicle, this made my contract null and void the very minute I applied the ink to it. This was Breech number 1. This contract also states that any changes whatsoever would have to be signed by myself and US Auto, when the contracts were supposedly bought by XXXX this was breech number 2.

XXXX has yet to call me, I have had a few emails and three letters delivered I am now being threatened to have my car repoed. 
I refuse to pay another XXXX, to either of these companies because they have committed fraud!!
Product: Credit reporting or other personal consumer reports

Subject : Inaccurate Debt Collection Attempt by XXXX XXXX XXXX for XXXX Account Dear Equifax and XXXX, I am writing to address a concerning issue regarding inaccurate information on my credit reports from both of your bureaus. Despite successfully removing the original account named XXXX from all three credit bureaus, I have recently encountered attempts by a debt collection agency, XXXX XXXX XXXX ( account number XXXX ), to collect a debt that no longer exists on my credit reports. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of consumer information reported by credit bureaus. I took appropriate steps to dispute and remove the XXXX account from my credit history, and it is alarming to discover that XXXX XXXX XXXX is now attempting to collect a debt that has been resolved. 

The sequence of events is as follows : I initially disputed the XXXX account due to inaccuracies, and it was successfully removed from my credit reports after investigation. However, XXXX XXXX XXXX has recently initiated collection efforts for this same debt, which has caused undue stress and confusion. 

I request a thorough investigation into this matter by Equifax and XXXX. XXXX XXXX XXXXXXXX XXXX attempts to collect a debt that has been removed from my credit reports must be addressed promptly and in accordance with the FCRA. 

I appreciate your attention to this urgent matter and trust that you will take appropriate action to rectify the inaccuracies on my credit reports. Please keep me informed of any developments regarding this issue. 

Thank you for your assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX.
Product: Debt collection

I have disputed a paid invoice from XXXX  since last XXXX. My bank statement reveals that XXXX was paid in full on XX/XX/XXXX and the direct payment was cashed. I sent copies of the bank statement and a support letter from my bank, XXXX XXXX XXXX XXXX XXXX. My bank has repeatedly offered to send verification via a secure fax. XXXX  wouldn't provide a legitimate fax number and my account with them was closed. Numerous calls were ignored. 
They then turned my already paid balance over to a collection agency. Credence Resource Management. I also sent them copies of my bank statement and the supporting letter from my bank. I again offered to send them the additional information from my bank via secure fax and they wouldn't respond either. 
This paid debt was put on my credit record and my credit score dropped nearly XXXX points. I have tried everything possible and my attempts at reconciliation have been ignored by both XXXX  and Credence Resource Management. 
I can prove that the debt was paid on XX/XX/XXXX but no one seems interested that the invoice was already paid. My bank remains waiting for a legitimate fax number for confirmation..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX, Owner XXXX XXXX is XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed XXXX XXXX to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within XXXX  days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a XXXX XXXX. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit card or prepaid card

I own a C-Corp ( franchised quick serve restaurant ) which has an American Express card. They had a zero percent offer to entice the use of the card and a $ XXXX credit line. I used the card extensively and actually have charged $ XXXX on the card and paid $ XXXX. If they net 2 % on my charges they've already made {$1700.00} on my purchases. I still owe $ XXXX and the zero percent intro period expires next week. Our quick service restaurant opened in XXXX and I know the company can not pay off the $ XXXX and the interest rate reverted to 20 %. I wanted to get in front of this and ask them if they could lower the interest rate to something more reasonable like 9 % ; since the fed funds rate is 0 %, Amex can effectively borrow money from the XXXX for 0 %. 20 % seems usurious. They want to force me to enter some " relief program '' where the rate would be 5.9 % but it would impact my personal cards and personal credit rating. I have no balances over a couple XXXX dollars on my personal Amex Cards and I pay them off every month and have never been late since 2008. I am unclear why a C-corp I own entering relief program would impact my personal credit score. Additionally if I did enter the relief program to lower my rates to 5.9 % they would not tell me how much my credit lines would be reduced ( personal or the company 's ; I was told to wait and see on line in a few days how much they reduced my credit lines? ) -Needless to say I think it is unfair to have a C-corp 's credit and financials impact my personal credit score. There is supposed to be a shield of liability with a c-corp structure. 
-Force me into a " relief program '' to get 5.9 % and potential crush my credit score and credit lines. Essentially it's like they want me in this " relief program ''. I am unwilling to have it impact my personal credit score. Plus I still want to use their product as Amex usually is a good company to work with.
Product: Checking or savings account

Requesting that Complaint # XXXX be reopened. Just closing a complaint is not protecting the consumer. There has been no resolution or consequences for bank to : 1, Refusing to close a credit card account when fraudulent activity continued to exist from companies named XXXX and XXXX XXXX. 

2. No penalty for 5/3 Bank having XXXX police threaten to arrest me for requesting access to my funds. 

3. No penalty for 5/3 secretly transferring my funds to someone else 's account.

Why are banks allowed to do whatever they want with no penalty of any sort. They did not even acknowledge a problem. 

Why does this agency exist if this agency is protecting the banks against consumers? I have everything documented for this 6 month period.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX  - XXXX - XX/XX/XXXX - {$680.00}
Product: Payday loan, title loan, or personal loan

I had a loan with Pioneer lending as a young soldier in the military. I deployed into a XXXX XXXX for XXXX months and became XXXX XXXX. When I contacted this company to tell them about deployment so that SCRA protections would fall into place, they never took action. When I became XXXX serving my country, the company did not look into the " XXXX protection '' on my account- when my Wife made them aware of the XXXX blast. Instead, this company continued and still continues to hike on excessive interest rate- for years. To the point that this company now reflects a {$11000.00} balance on a debt that was originally {$4100.00} written off after I became XXXX. That is {$7400.00} added to the initial balance. How is that legal, when there is a cap on interest rate so that soldiers are protected from companies like this? Why was my XXXX protection that I paid for monthly, not used when I became XXXX? This company is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute was sent on XX/XX/2022 and as of XX/XX/2022, I never heard a response back from the Experian on this matter. The dispute has now been outstanding for more than 90 days. Regarding XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX. XXXX - XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$25000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prior Cfpb Investigation related to this matter today XXXX XXXX it has been more than XXXX days a considerably reasonable amount of time to contact me back in regards of these unauthorized inquiries, that I am unfamiliar with. In my last complaint I mentioned these inquiries that have resulted from Identity theft. 
The Inquiries are XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. 
I am asking the CFPB to step in and help me secure and make sure my rights are not being violated Thank you. XXXX
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year>, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

From : XXXX XXXX Account Number : [ Your Account Number ] Dear Chase Bank Customer Service, I am writing to file a formal complaint regarding two charges on my Chase credit card related to a recent stay at XXXX XXXX  of XXXX XXXX. The details of the charges are as follows : XX/XX/year> : XXXX  XXXX NV {$130.00} XX/XX/year> : XXXX XXXX XXXX XXXXXXXX NV {$340.00} During my stay, I was unjustly removed from my room due to a mishandling of my registration by the hotel staff, resulting in significant inconvenience and additional expenses. 

I initially disputed these charges with Chase and was requested to upload a supporting letter detailing the incident. I complied with this request and provided all necessary documentation. However, there was an error in the process, and the dispute was not reopened, leaving me with these charges on my account. 

Chase 's dispute manager acknowledged the error and provided a {$100.00} credit as compensation. While I appreciate this gesture, I do not believe it adequately addresses the inconvenience and financial impact I have experienced due to this incident. 

Therefore, I am requesting Chase to reconsider the dispute and take the following actions : If any information is needed regarding this, please send me an email or give me a call. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I made my usual monthly credit card payment using CITI Cards telephone payment system, as I normally do every month. Within a few moments I received a text message confirmation on my smart phone that the payment had been completed, date and time stamped on XXXX/XXXX/XXXX. Confirmation # XXXX. When my XXXX statement came in the mail, I read that CITI Cards had dated my payment on the XXXX of XXXX, and had charged me a late fee of {$25.00}. I called Customer Service and notified them that this was not correct, as shown by their own text message notification/confirmation system. They refused to reverse the charge, without any satisfactory explanation. My payment was made on time, the late charge of {$25.00} should be reversed, and credited to my account.
Product: Credit card

I called in XXXX to put a fraud warning and set up additional authentication on my account and requested a new card be sent out. I received this card, THE ONE TIME I was then contacted by the fraud department ( XX/XX/year> ) in regard to verifying purchases, was informed a new card was sent out to a new address from someone who was pretending to be me AFTER calling in and setting up a pin, and phone number to access the account. Following this, I called in to gather information to ensure a new card was not sent out because I specifically requested this as well as closing the account. I was redirected multiple times - in which my pin was never asked for, they asked me what phone number to send an verification code to instead of implementing the one I set up for my security on the account - and was told I would be receiving a letter in the mail to dispute charges. I never received this information, my account was not closed, and I received ANOTHER card in the mail. In addition, I was informed of multiple card numbers that had been sent out since I had originally replaced my ONE card. I told them I had only THE ONE card since I had called in XXXX and clearly any additional charges were due to THEM not verifying all of my security pieces. Once again, I never received anything to fight these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX  Balance : {$160.00} ; XXXX XXXX XXXX  Balance : {$160.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I took out a consolidation loan with XXXX XXXX in XXXX of 2000. The original amount of the loan was {$74000.00}. 

With the exception of two periods of forebearance when I was on XXXX XXXX, I have made payments ranging from $ 500- {$600.00} per month for 18 years. This is the amount required under my payment plan. 

The loan is currently managed by Navient. 

My current balance is {$65000.00}. 

I previously complained that my payments are not being correctly applied to my principal balance. The amount that is applied to my principal balance month to month varies, even though my payments are the same each month. 

I feel they have incorrectly applied my payments over the years and that is why my principal balance is still high after 18 years. 

I would like an independent audit to be done on my account from someone other than Navient and/or XXXX XXXX to ensure that XXXX payments were applied correctly and if not, I would like the balance to be adjusted accordingly.
Product: Debt collection

On Sunday XX/XX/2018, I received an alert from a credit monitoring tool 'XXXX ', indicating a collection account has reported unpaid on my credit report causing my score to drop 40 points!! The collection account was Diversified Consultants who was servicing the account for XXXX cable. I called the company Monday morning to find out more information as I had not received a notification in any form from Diversified Consultants that they were collecting this debt. They shared with me the account is {$240.00}!!! I am in the process of building a home and I'm working diligently to increase my score and not allow for anything to decrease the score. This debt was not something I was informed about prior to them reporting to the credit bureaus as I would've made sure the balance was paid. I moved in XX/XX/2018 and submitted a change of address in XX/XX/2018 ( attached ). If Diversified Consultants sent notification of this debt to the old address ( XXXX XXXX XXXX XXXX, Oh XXXX ) it would have been forwarded to my new address ( XXXX XXXX XXXX XXXX, OH XXXX ) or returned to sender. I confirmed Diversified Consultants had the old address on file and I provided the new address to them during our conversation Monday XX/XX/2018. XXXX was aware of my relocation and had my new address as I had to physically drop off my cable and internet equipment at their office on XXXX XXXX XXXX XXXX, Ohio..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and found that XXXX XXXX XXXX, CBCINNOVIS, and XXXX XXXX all did a hard pull in XX/XX/2017without my permission or knowledge. It will take two years  for this to be removed unless they each remove 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 insufficient funds when transactions 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, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.