23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : Bankruptcy File Number XXXX RE : Bankruptcy File Number XXXX RE : Bankruptcy File Number XXXX After reviewing my credit report I noticed that there is a XXXX XXXX Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the XXXX Bankruptcy Courts. 



The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, XXXX, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). 

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.
Product: Credit reporting or other personal consumer reports

Hi, Recently, I come to Know through Experian credit score check up that XXXX XXXX XXXX made 3 different credit cards using my social security number without my consent. 

Credit Card XXXX XXXX : Opened XX/XX/XXXX and left a balance of {$840.00} and closed it on XX/XX/XXXX. So that balance is still on my name. 
Credit Card XXXX XXXX  : Opened XX/XX/XXXX and did some transaction themselves. Then paid in full or write off the balance and closed it XX/XX/XXXX Credit Card XXXX XXXX : Opened XXXX XXXX XXXX XXXX XXXX. Also did some transactions but paid or write off the balance not sure. 

They also created my new name by adding a fake middle name in my name. Also change my last name and created a third fake name. 

I am not sure who but probably they also added a new job ( not mine ) and new home address ( not mine ). 

I respectfully request to order XXXX XXXXXXXX XXXX to issue the refund of {$840.00} and clear these three fake credit cards from my credit history. These fake credit cards drop my credit score for about XXXX point negative. Also please charge XXXX XXXX XXXX a good penalty so that they learn they lesson and never use consumer social security number to make fake credit cards without their consent. Please compensate me in that penalty since because of these, I have to spend so much time to clear my credit history. 

Thank you.
Product: Student loan

I called  Navient  after receiving a collection notice. I explained that I was a co-signer and that I was unemployed and that after more than 15 years paying for {$8000.00} they should just wiped it out. I called from the neighbors house and now they are harassing her. I emailed them and included my mailing address and they wrote back saying the following : Hello  XXXX , We are unable to assist you with your request via email. However, we are happy to discuss your account over the phone. Please call us at  XXXX . Were available Monday Friday  XXXX    XXXX   to  XXXX    XXXX  , and Saturday  XXXX    XXXX   to  XXXX   XXXX , ET.     Sincerely,  XXXX   XXXX   Navient This is  an attempt, by a debt collector, to collect a debt and any information obtained will be used for that purpose.     -- Original Message -- From :  XXXX  XXXX  XXXX  Date :  XXXX / XXXX /  XXXX    XXXX    XXXX    To :  XXXX  XXXX  XXXX  Subject :  Re  : Updated Contact Information Needed Dear representative, I hereby request a Cosigner release form. I 've been unemployed for the last 6 months and my unemployment is about to cease. I will have no income withing the next couple of weeks.     Please send a release form to :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I want them to send me a release form. Please help me with this
Product: Debt collection

I received a letter in regards to a mortgage my husband has through Navy Federal Credit Union. According to a conversion ( in which both my husband and I were privy ) last week the mortgage is current showing no delinquent status. 
However, my husband and I received multiple letters claiming delinquently, threatening negative credit reporting, and foreclosure. 
These letters ( over 5 ) sent via first class and certified mail where mailed to an incorrect address. When contacted Navy Federal stated they had the correct address on file, and they did not know why the letters where mailed to the out dated address. 
This is either a case of malfeasance or malpractice, and either is not acceptable. 
Threatening to damage ones credit, foreclose on a home, all while sending notice of such actions to an incorrect address is deeply troubling. 
Navy Federal has been authorized and entrusted to assist Veterans and Active duty military members navigate home ownership using VA loans. 
I am concerned that the organization has grown too large, too quickly to competently manage Federal loans especially VA loans.

My husband and I spoke with Navy Federal regarding the status of this loan last week. 
I called again today about letters mailed to me ( see attached ). 
I spoke with XXXX on a recorded line. The call was initiated at XXXX EST and documented and time stamped for this complaint at XXXX EST. 
XXXX was unable to explain why certified letters threatening negative credit reporting, collections, and potential foreclosure of a property where mailed to an address no longer on file rather than the current address.
Product: Checking or savings account

Account was opened XX/XX/scrub>/24. New account bonus terms were 3 recurring transfers of at least {$200.00}, after which a {$200.00} bonus would be deposited. The company has not provided the bonus and now states the transfers needed to be automatic. Of course, this function was not working on their website when I opened the account and this was not mentioned in the normal bonus terms. Furthermore, they have charged me {$14.00} in account fees since then.
Product: Credit reporting or other personal consumer reports

Late payment reported for XX/XX/2024 Creditor has violated my right to privacy. 
15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical bill was incorrectly submitted by a medical provider. In return, the medical insurance company twice processed the medical bill incorrectly. This resulted in the medical bill not being paid. I contacted the medical provider and the insurance company from XX/XX/XXXX to XX/XX/XXXX regarding this medical bill. On XX/XX/XXXX I was told by the Medical company that they notified the credit bureau to have the account removed. I talked with the insurance company who agreed to process the claim, however, indicated that it would take another 3 weeks before being resolved. On XX/XX/XXXX, the debt still had not been removed from my credit report. I contacted Transunion numerous times. On XX/XX/XXXX I disputed the debt verbally. Because the representative could not understand or refused to understand English, I attempted to dispute the debt online. The website was not functioning properly and I could not dispute the debt. I tried to fax proof that the insurance paid the debt and to send a letter from the creditor showing that the debt was to be removed. I found out later that Transunion fax machines had issues. I contacted the credit agency and later found out that they did not notify Transunion until XX/XX/XXXX as opposed to XX/XX/XXXX. Finally, I was able to fax successfully to TransUnion. As of XX/XX/XXXX,  the debt remains on my credit report. My credit line from XXXX was reduced as a result of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account more than once with the final time being XX/XX/2023 and Equifax continues to claim that they have properly verified it. This account is PAID and even AFTER I sent in my receipts from the creditor and they still claim that it's been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX.
Product: Credit card

At XXXX EST on XX/XX/2023 I received an email saying : We need to speak with you about your Apple Card account. 

Be sure to call us at your earliest convenience. Call XXXX or click here to chat to contact us. 

I reached out immediately via the chat service and was told to reset my Apple ID password. I did as requested. After I did this, they forwarded me to another representative to " continue the process '', but I had to wait 1 hour for this next agent. The next agent told me the card was locked and under review, and that they would call me when the review was completed. They said they could not tell me why the account was locked, or how long the review would take. 

I reached out multiple times the next day and was told the same. I also tried calling and waited on hold for an hour before being told the same thing. 

There was no information provided to me about what could have caused this, how I could fix it, or how long it would take. 

My card has a balance on it, and I have auto pay set up. I asked if auto pay would still trigger even though I had no way to view my balance or submit a manual payment. They said they could not even provide me with that information. So for all I know, auto pay will still happen, or the balance will roll over and I'll owe interest payments. 

After searching online I found that this is a common problem. People report that once the account is locked for review, it could take weeks or even months to get it resolved, and there is no way to get any information about the process. 

My understanding is that Apple Card is managed by Goldman Sachs. I've had the card for years and been a member in good standing, never missing or even being late with a payment. 

I saw no suspicious charges on my account before it was locked.
Product: Other financial service

I have a checking account with US Bank, so I have a check card/debit card. While in XXXX, XXXX I noticed everytime I withdraw funds or use my debit card to pay for meals, medicine, or anything, I am assessed an XXXX fee. The bank knows I 'm XXXX for XXXX weeks. I told them before I left so they would n't suspect fraud or identity theft. The fees range from XXXX cents to {$2.00}. Why the wild inconsistency? Each time I go the local ATM I have to pay the bank 's ATM fee and my bank 's XXXX fee. Why are banks charging their customers these unncesessary XXXX fees? The technology is such today that it should n't matter where I am in terms of cost to my bank. 

Therefore, the complaint is that my bank, and I 'm sure it 's industry pracitce, is taking advantage of customers who are XXXX just to earn more revenue in the form of unnecessary " XXXX fees ''. 

Also, why the wide range in XXXX fees charged by my bank? Everytime I go to an ATM I 'm paying, sometimes, more than {$5.00} in fees total to withdraw money. This can add up because I do n't have a credit card. During a typical week that could add up to more than {$50.00} in fees. I 'm not in the habit of withdrawing a lot of cash at once to store on me out of safety and budget concerns. 

Thanks for considering this complaint. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a credit injuries that needs to be removed can you please remove it XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

LoanCare has collected funds for XXXX XXXX XXXX XXXX. Since XX/XX/XXXX. In XX/XX/XXXX Loan Care messed up the loan and they admitted to their mistake. the payment was XXXX there increased to XXXX.monthly claim had no flood when did have flood. I had flood with Selective which is automatic renewable. I was making XXXX monthly payments then in XX/XX/XXXX they return check and stopped all payments. I was able to make 2 more payments over the phone when was helping to fix. Then that stopped. It took them 18 months to fix. 

The original Loan was {$110000.00} payed down to {$100000.00} in the process was forced to go through Mitigation so not to lose my home. The results of the new loan is {$110000.00} and increased interest. I have made 2 payments under the new loan now which is XXXX making XXXX payments. 

The escrow statement sent on XX/XX/XXXX shows the Flood insurance payment in XX/XX/XXXX for the correct amount. Then got letter on XX/XX/XXXX that insurance expires on XX/XX/XXXX and that the insurance needs to be increased. 

This is the same sort of letter sent in XX/XX/XXXX which they forced me into this situation I am in now. I can not go through this again. They sort of punishing me at my cost for their screw up and they trying it again. I tried contracting to no avail with LoanCare. I ask for a different Company that is legitimate with to avail there as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received hard inquiries against my credit with both XXXX and XXXX. XXXX  shows three recent inquiries that I am unfamiliar with and need to report this. XXXX Inquiry details are as follows : 1. Capital One Bank USA - date : XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information 2. XXXX XXXX XXXX - date : XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information 3. XXXX XXXX XXXX/XXXX XXXX - XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information XXXX Inquiry details are as follows : 1. Capital One - XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information I did not apply for a credit card, auto loan or any other form of credit and therefore believe this is a form of Identity Theft attempts. Please let me know what I need to do to resolve this issue. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I have on multiple occasions disputed 2 charge off accounts showing on my credit for XXXX XXXX credit cards I have tried to get them to verify the debt I have sent five debt validation letters and have yet been provided with any information with regards to my debt validation letters
Product: Debt collection

I recently received a notice that I ower XXXX to first collections services for a debt to XXXX XXXX. I called and they say it is for an electric bill for a residence in XXXX, MI. We have never had a residence in Michigan. The debt is not ours. We were told to file a police report. I am XXXX XXXX military getting ready to XXXX tomorrow and I am stationed overseas so I only have access to on base police. I will file a report once I am back from XXXX but I would like this removed from my credit reports now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted disputes to XXXX regarding XXXX account also Ive sent out letters of debt validation to the creditor I have not received any responses also its reporting that I have XXXX late/missed payments on this account this derogatory remarks are causing me hardship in being approved for any kind of funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax on  XXXX / XXXX / 17  for an account that has been reporting the incorrect balance. Along with the dispute I attached an invoice from the company that is reportin g (   XXXX   XXXX   ) th e incorrect amount. I spoke with a supervisor on  XXXX / XXXX / 17  that was Extremely rude and argumentative that my notice was not sufficient evidence. My notice clearly states the amount and it is different from what they are reporting. I received my results on  XXXX / XXXX /   17  that states the results conclude that  XXXX   XXXX  has verified and OUR company is reporting correct information. I feel as if that supervisor I spoke with was being rude with that " OUR '' statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX and Citi Bank about how they are currently still reporting that i am an active authorized user of the account listed on my credit report. I am not listed as an active user, I was removed some time ago and the account is actually paid in full and closed out. XXXX has yet to remove this from my report and it is causing me a hardship due to the fact I am unable to refinance my home.
Product: Credit reporting

I have filed no less than four ( 4 ) disputes pertaining to the above-referenced accounts held by the XXXX XXXX XXXX XXXX XXXX XXXX hereinafter XXXX XXXX XXXX ) and the XXXX ( hereinafter XXXX ). TransUnion refuses to conduct an reasonable investigation so as to have this inaccurate information removed from my credit file. Originally, there were XXXX XXXX XXXX XXXX of these accounts reflected in my credit file. After filing a Sworn Fraud Statement of Dispute and providing documentary evidence in support thereof, TransUnion removed XXXX XXXX XXXX XXXX accounts ( i.e. XXXX, XXXX, and XXXX ) and left the remaining XXXX XXXX XXXX ) that I am currently disputing. I have demonstrated to TransUnion that the XXXX, XXXX and the XXXX, has provided false and fraudulent information in stating that, " client agreed to pay for XXXX for legal representation, '' in absence of verification of a verbal and/or written agreement/understanding. After I disputed said accounts based upon a lack of an agreement/understanding between the XXXX and I to pay for legal representation, the XXXX and the XXXX, XXXX then submitted an altered/modified document other than what was previously submitted for verification dated XXXX/XXXX/2016 reflecting, " ... did not have to sign anything in order to receive services. '' This was brought to the attention of TransUnion and yet they allow the XXXX XXXX XXXX XXXX remaining accounts to be reflected in my credit file after they deleted XXXX XXXX XXXX ) by the same account holder who is using the same exact verification and altered documentation. As recently as XXXX/XXXX/2016, I wrote TransUnion seeking to resolve this matter citing how failing to conduct a reasonable investigation violates my rights under the FCRA and that I am and have been adversely affected by having these accounts reflected in my credit file. When I spoke to a TransUnion representative via phone as a follow up to my letter to see how they were seeking to address the matter I was informed that they would not be removing the remaining accounts unless the XXXX XXXX XXXX and the XXXX asked them to and that I should be receiving information in the mail reflecting such.
Product: Debt collection

all 3 credit reporting agencies reported the following : XXXX XXXX {$680.00} opened XX/XX/22 in collections on XX/XX/22 Collection agency is Transworld Systems Inc. 

I have never heard of this company and never opened any accounts with them
Product: Mortgage

OCWEN Loan Servicing regularly diverts one of our monthly payment each year aroundXX/XX/XXXXXX/XX/XXXX /XX/XX/XXXX,  towards our Loan Principal and then levies late fees and foreclosure warnings. Although the payments are separated by a month approximately, they pretend that we have made more than one payment in a month, for example a payment made on XX/XX/XXXX and XX/XX/XXXX and then divert one payment towards the loan principal of our loan and then claim that we did not make that month 's payment and charge almost $ 100/- each month. After two months they send you a foreclosure notice. And once you follow up, they reverse the payment, but do not give back your late payment penalty.

This way they get to keep {$100.00} to {$200.00} dollars from the customers towards " Late Payment penalty '', while pretending to not received a monthly payment or received an " EARLY '' payment.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing XXXX ; an account number:XXXX. I have recently made a complaint that was responded to ; however the response said my funds would be released after 180 days ( 6 months ). This is too long of a wait to not have my funds, as I have to pay rent, child support, my phone bill, ect... 

I understand they have a policy, but this is just holding my funds for no reason other than to hold them. I've seen numerous reports online about " venmo '' sending XXXX automated responses to people an then holding their funds. 

It should not have to take 180 days to realize if funds were fraudulent or not, let alone to return them to a consumer who is verified on your platform. I NEED my money sooner than 180 days, I am going through financial hardship an I cant afford court.
Product: Payday loan, title loan, or personal loan

XXXX Loan At Last-Acct. # XXXX XXXX XXXX XXXX Loan Amount XXXX XXXX Loan at Last  withdrew from my checking account-XXXX  XXXX XXXX, the following : XX/XX/2019- XXXX XX/XX/2019- XXXX XX/XX/2019- XXXX XX/XX/2019- XXXX Total : XXXX I contacted the fore-mentioned company to inform that my loan amount had been paid. I was informed that I had six remaining payments of XXXX. 

At that point, I informed them to discontinue withdraws. Another attempt to withdraw XXXX on XX/XX/2019 was made. 

I contacted XXXX XXXX and placed a stop payment on XX/XX/2019, and all future withdrawals from this company. 

My complaint is that I was not informed that I would be billed for more than the original loan amount including nominal interest. This is fraudulent if not illegal. I paid my loan in full plus interest. 

There is no resolution with this company. My fear, is that this company will continue to operate in this fraudulent manner and hurt many in the process. 

Please advise. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX