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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: 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 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 settle with insufficient balances 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 was looking over my credit reports and I found the information below to be incorrect. Please make corrections because these inaccuracies need to be corrected asap. 
In Accordance With the Fair Credit Reporting Act the information listed below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXXXXXX XXXX XXXX XXXXY XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Phone Number : ( XXXX ) XXXX, ( XXXX ) XXXX. Correct Phone Number : ( XXXX ) XXXX. Incorrect SSN : XXXX. Correct SSN : XXXX. This information on my credit reports is in violation of 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 an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,   XXXX   and Equifax are reporting late payment history for an obsolete account that is eligible for deletion.  XXXX   XXXX , account number  XXXX , date opened  XXXX /2005. This account was not paid late and I have asked  XXXX ,  XXXX  and Equifax repetitively to remove the outdated account with incorrect payment history.. Then I have asked for the  XXXX , Equifax and  XXXX  if verified to please provide how this debt was verified and to please provide who verified so that I can escalate the matter to assist me in getting this outdated account removed with incorrect payment history. I am baffled as to why the company is refusing to remove the outdated account or update the incorrect payment history. I have not been late with the account.
Product: Debt collection

company charged me with a debt that I do not owe, it is an internal accounting error by reporting company
Product: Credit reporting or other personal consumer reports

I was deeply disappointed to find unauthorized inquiries on my credit report this evening. I always check my credit report regularly, but this time I noticed discrepancies that weren't there before. Even after refreshing my browser, the unauthorized inquiries remained, which was frustrating. I request a thorough review of the documents Ive sent to ensure that I wont have to worry about this again.
Product: Checking or savings account

wells Fargo wont conclude that someone else has been withdrawing the same amount of money from my bank account at a gasoline station from an ATM.and its been the same amount every time XXXX dollars always. that is fraud and they concluded it was n't when i dont withdraw from regular atms and they took out XXXX dollars out and leaving me on negative. and now that i got my loan they took it out and wont gibe me it back too many problems its fraud and they wont do anything about it.
Product: Vehicle loan or lease

Car loan was paid off in XX/XX/XXXX. TD Auto Finance still has not released the title. I have been trying to get the title released for over a year now. They kept citing a vague 'DMV error. ' Now they are telling me I need a 'registration only ' letter from the WA DMV - the car has never been titled in Washington XXXX It was purchased in California in XX/XX/XXXX and has always had a California title. TD Auto Finance refuses to communicate with the DMV or XXXX to resolve the issue and release my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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: Debt collection

These are the companies trying to collect debt due to Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Acpt.XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had an old credit card through XXXX XXXX, I had one thing recurring on it, a XXXX account to keep the card current and help my credit. The account was set up on auto payment with XXXX XXXX to my bank account. Around XX/XX/2022 XXXX sent me a notice that my card had expired and needed to update my account. Not even thinking about it I updated the account to a new card. Late XX/XX/2022 I got a notification on my credit report that my credit score had gone down by XXXX points. There was a missed delinquent account from Goldman Sachs. Knowing that I didn't even have any business with them or an account I called right away. Marcus by Goldman Sachs had purchased the credit card from XXXX XXXX in XXXX of XXXX  I called and said I had no idea and that was an old card that I never used and it was only tied to a XXXX account. They had an old mailing address for me so the letters sent was sent to the wrong address and I never received anything. There was a balance of XXXX dollars total when they purchased the credit card from XXXX XXXX. I told them I had no problem paying what was owed to the card and any interest. I paid them XXXX dollars to make things right. I then asked if they would please remove any late fees because there was a miscommunication of the new purchase and I never received any information about the credit card changing companies. They said they would get back to me. I gave them the right email address, address, and made sure they had my phone number. 3 weeks later I received another email stating that my account was past due and more fees were charged. Now there is a balance of XXXX dollars that is delinquent on my credit score. After updating my information, I have received XXXX statements, phone calls or letters from them. I have tried multiple times through out the month to create an account with them online to see any information about it. There website is broken and times out every time I try to create and account. I didn't even sign up with them, I don't know how it's even legal for XXXXl XXXX to sell them all my information and sign me up with them without my consent. I paid them 2 times the amount of the original balance on the card. Now they are tagging me with XXXX to XXXX dollar fees for the past month. But I have no idea about due dates, didn't receive any mail, phone calls or emails, except that my account is past due. I didn't even receive a credit card from them. I don't know how this is legal or how this is even happening, but it is greatly effecting my credit score. 


I have attached the statements that were sent via email during first phone call in early XXXX. I have received nothing since expect the emails shown in screen shots. Can't sign in online, received nothing in the mail, and haven't received a single phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent another letter dated XX/XX/20 claiming they do not have a credit file on me so they can not investigate. I have sent their requesting information 4 times, and they continue to send the same letter. 

Then ( attached ), they sent an email on XXXX stating I needed to submit my claim online when I do not have to use any special form or online process. 

Attached you will find the credit file they sent me prior to sending letters stating they had no credit file on me. Following that credit report, you will find all my attempts to resolve the matter they continue to ignore. 

It has been over 30 days and it is false they have no credit file on me when I have attached the file they delivered before my dispute requests. They must delete the negative items I mention in all 4 of my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally spoke to a rep in  XXXX  about a charge off reported to my credit report. We negoatiated that if this was paid pfd, the charge off would be removed from my credit report. After making my final payment on  XXXX   XXXX  amd realizing by the end of  XXXX  that it was only updated as " paid in full '' and not removed as negotiated by the Comenity bank representative, I gave them a call in regards to the concern. I spoke with a rep, and even a supervis or. ( There  are plenty of notes on the account to support to the many times I 've called in ). After speaking to a supervisor, I 've advised him to just listen to the call where his representative negotatied the pay for delete. He refused. Instead he advised me to send a dispute letter, which would be more difficult. I 've sent a dispute letter, the situation still has not yet been resolved. This letter was sent on  XXXX   XXXX . I called in on  XXXX   XXXX  to check the status and spoke with a nice gentleman by the name of  XXXX , he stated that my dispue has n't even been touched and that they transferred my paid in full account to the " in house recovery pool '', he advised me to send another dispute to them. Instead, i advised him to just forward my dispute over since they are " in house '' .. He advised me to follow up withi n 5 business days. I just got off the phone today with a representative in the in house recovery pool and she advi sed me that the dispute team is separate from their team and she does n't know anything about the dispute, unable to give me an update, and unable to look into it. As of now I am getting the run arounds, no one seems to want to help or get this situation taken care of simply by just listening to the call amd removing the charge off as it was honored in the first place!! Getting the charge off was bad on my end but i still did as negotiated and paid it off, now Comenity bank needs to do what was promised to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, # XXXX, and # XXXX have 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: Mortgage

My loan with XXXX XXXX was paid off in full on XXXX XXXX by XXXX XXXX. 

XXXX XXXX received an extra mortgage payment from me in the amount of {$3100.00} on XXXX XXXX and is refusing to return that payment to me in a timely fashion - they had promised it would be sent within 10 business days and is now informing me that it 'might be in the mail '. It is beyond the 10th business day and they are stating they are holding the amount 'just in case the check does n't clear '. 

I have ALREADY been informed that the loan has been repaid by a letter from them, and that a Full Reconveyance will be sent directly to the County Recorder. 

I believe XXXX XXXX is holding my funds in violation of terms and conditions of my paid-off loan and should pay interest to me for the amount they are holding from me.
Product: Mortgage

I have a mortgage serviced through Dovenmuehle. They have failed to pay my property tax installments out of escrow for XXXX per the original contract. First payment was due on XX/XX/XXXX which was never paid. Now the full payment of XXXX is due by XX/XX/XXXX and still hasnt been paid. I called several times and emailed a letter with a copy of a tax bill on XX/XX/XXXX. My issue still hasnt been resolved even after talking to managers at the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a a charged off account on my Transunion that I want deleted! This account isnt me and even went to court and it was dismissed because it isnt mine.
Product: Debt collection

This is the occurrence where Santander Consumer USA has contacted my job without my permission or disclosure of my workplace. They have researched my private information to obtain my work numbers at both XXXX NY Office ( months prior XXXX ) as well as XXXX XXXX XXXX today ( XXXX/XXXX/16 ). They have caused me great embarrassment by expressing they are calling to collect a debt while speaking to unauthorized individuals. They have provided false information to intimidate me into making a payment, stating that I will ruin my credit indefinitely and will not be able to get a loan again. ( in definite terms ; and providing credit assistance to further their goal of payment ). They have been uninformed since the accident of my vehicle claiming my car is to be repossessed never acknowledging there was no vehicle to repossess since it was a total loss. I have expressed that matter to them on numerous occasions. They have a towing companies call my personal number unnecessarily. Todays invasion is the last time I will endure their harassment silently.
Product: Student loan

My student loans were paid in full as of 2022. This has been verified through my lenders and the Department of Education. However, I have been receiving calls from Nelnet regarding funds that I owe. This is false.
Product: Money transfer, virtual currency, or money service

Cash app using my number from my account to help scanners call my phone and giving out personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft XXXX XXXX XXXX XXXX Amount XXXX
Product: Debt collection

This is a continued filing of complaint XXXX against PDQ Services Inc. I would also like to file the complaint against the credit reporting agencies as well. It appears that they do not verify information submitted to them or requested to be investigated by the consumer. They accept mediocre statements from collectors with no real intent in site. The credit reporting agencies allowed PDQ Services to report information of a medical nature which invaded my privacy even though they said that they did n't and I have reason to believe otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on : XX/XX/XXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX Inquired XXXX : XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on : XX/XX/XXXX XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on : XX/XX/XXXX XXXX  XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXXXXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on : XXXX CARD Inquired on : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXX ( all of these are hard inquiries by company 's that did not have XXXX authorization I DO NOT recognize inquiries and they are all fraudulent. )
Product: Credit card or prepaid card

I ordered, online, a FREE sample of a vitamin product, with a bonus bottle of another energy vitamin. JUST PAY {$4.00} shipping. Used credit card to pay for shipping only. Citi bank said this practice is not fraud. A scam is not fraud? They stole my card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting all the violations with experian
Product: Checking or savings account

I have been a victim of identity theft for a number of years now. I cant seem to stop the activity. It has gotten very aggressive in XXXX. They accessed a website service I use and used my debit card on file to deposit funds until my bank account emptied, and then withdrew the funds to an outside account that was not mine. So the money is currently gone. The bank claimed they investigated but closed the investigation and did not retrieve and return my money. It was {$5400.00}. This is absolutely insane.
Product: Mortgage

We have a mortgage that the company holds us in escrow. In reviewing our tax history they have not paid our taxes on time for the past 4 years of taxes, and of course it comes out of our escrow so we actually are paying these fees, the fees total {$430.00}. I contacted the Federal Trade Commission and they advised me to contact you regarding what we can do. I did email the mortgage company and they gave a non-answer or explanation.
Product: Debt collection

In XXXX I transferred my business and closed my utility account at my then business premises. I am now surprised to find that XXXX NY is reporting a past due balance for XX/XX/XXXX. this information is incorrect and its entry is causing harm to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I am a victim of Identity theft. I hear about XXXX and XXXX  often, I'd never thought that I'd be the one going through it, unfortunately XXXX XXXX XXXX XXXX XXXX while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXXXXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I reported this to XXXX as well and they have done nothing to help me in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.