23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid twice a month to once. This has caused me to receive a lot of late payments to XXXX County Department of Child Support Services. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to DGS in XXXX/XXXX/2014. I worked for XXXX since XXXX/XXXX/2005. You will also see a copy of my credit score before it dropped, and emails to Human Resources Dept. In the emails you will see that I was trying to correct this error.
Product: Checking or savings account

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 XXXX XXXX for similar practices, where transactions settled 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

To whom it may concern, We are with this mortgage company called PHH. We have never been late In all of years with them and even ever before that. Back in XX/XX/2019, they had a computer error that automatically drafted our account {$74000.00} instead of our {$1200.00} regular monthly mortgage. They took ownership and it took about the whole month to straighten it out with their posting and our bank. We made the payment XX/XX/2019. 
We never missed a payment and now we are relocating and having to pre qualify for a new home. We cant cause PHH posted that we paid the month of XX/XX/2019 wrong. They posted we didnt make a payment and a double payment in XX/XX/2019. All 3 credit bureaus show it and we cant qualify. 
This whole thing was due to their error. I have been on the phone countless hours last week and today. They say they didnt report wrong and wont fix it. The credit bureaus say that is the information that they received. We dont have a lot of time with the virus and our home being for sale. This is a big burden on our family. PHH should not be allowed to make an error like that and not be beholding to fix it. They have countless lies on lies to us stating they will fix it all to not doing what they say. Again, what else are they covering and PHH should not be able to XXXX our account up on their error and mess up our credit at the bureaus. How professional is that? Please help. We have pleaded with the time and they say it will take 30 days and give us all these excuses and different stories. Its very unprofessional. I feel we have been terrible represented by a lender. 

XXXX and XXXX XXXX XXXX Sent from my XXXX
Product: Credit reporting or other personal consumer reports

Concora Credit information about the account is inaccurate and they sold it to another Company ( XXXXXX/XX/XXXX XXXX ). I'm willing to pay at a negotiated fair price and for them to remove this from my credit report. I also need a written copy of removal from my credit report.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent proceeding ( File No. XXXX ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get a copy of my credit report due to many hard inquiries that i did not authorize. Experian online had me call a number that simply hangs up after giving all the required identity info.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : 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 4 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 : ( 2 ) 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 l am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX Auto Account Number : XXXX Account Balance : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$660.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Amount : {$610.00} Account Number : XXXX Account Name : XXXX XXXX Account Balance : {$940.00} Account Number : XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Bank has violated my rights by reporting a late payment in XX/XX/XXXX. 

According to law 15 U.S. Code 1666 b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update the late payments to current immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$440.00} Date Opened : XX/XX/XXXX The following Inquiries reporting are unauthorized. Please remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Wakefield and Associates LLC by certified mail a cease and desist letter on XX/XX/XXXX ; telling them that I have no desire to settle any disputes with them I will go directly to the creditor XXXX XXXX. I sent the letter to their headquarters in TN which arrived on XX/XX/XXXX and their OH location which arrived on XX/XX/XXXX. I made it clear that they are to cease all communication oral and written. On XX/XX/XXXX XXXX from Wakefield and Associates contacted my husband and left a message to call him at XXXX. I also put in a dispute with the credit bureau and the firm refuses to remove this collection debt from my credit report. I am requesting the derogatory remark be removed from my credit report asap and that the firm ceases all communications with me.
Product: Credit card or prepaid card

On XXXX XXXX I did a balance transfer of {$7000.00} on my CapitalOne card from my XXXX. As of XX/XX/2023 the transfer had not posted on my XXXX account. So I called Capitalize One and they researched it and said there had been a mistake and a number was left out of the account # for XXXX. I double checked my part and I had entered it correctly online. The following day the transfer posted on my XXXX account. Which would not of been possible if account number was wrong. Of course by now CapitalOne had cancelled payment. Because of the payment reversal, XXXX now has my account on restriction in that every payment I make is reviewed and not posted to my account immediately. Instead it takes XXXX days. Also because the Capital One credit card is showing that I have max my credit limit, my credit score has lowered significantly and I was turned down for credit. This is effecting my business for a mistake that CapitalOne made. They are telling me it could take XXXX billing cycles before it is credited back. Which is ridiculous for a mistake they made. This means I am paying interest on another credit card because I couldnt transfer the amount and my credit score is still affected. This practice should not be allowed. 30 days should be more than enough time to resolve their mistake.
Product: Credit card or prepaid card

XXXX notified me on XX/XX/22 that a Bank of America credit card was opened in my name. I never applied for the account. I called BofA and they closed the account. Today I received a letter from BofA dated XX/XX/XXXX, saying that they are pleased to inform me that Ive been approved for a Bank of America credit card. I did not apply for this account either. How many times will I have to call BofA to close these fraudulently opened accounts?
Product: Debt collection

LVNV Funding LLC has reported that I owe a debt to XXXX XXXX. I disputed this in XXXX and the company never responded to my complaint. I have contacted this company by phone at XXXX and by certified letter sent to LVNV Funding LLC, c/o Resurgent Capital Services, XXXX XXXX   XXXX, XXXX, SC XXXX. I have never had an account or owed anything to a company called XXXX XXXX.
Product: Debt collection

XXXX owned my 2nd mortgage which was an interest only structured to be a balloon payment due at the end of the 15 year term. 

They sold my mortgage to Select Portfolio Servicing ( SPS ). SPS made attempts to collect the debt. I received quote payoff amount in the amount of {$26000.00}.

I withdrew my 401k funds and paid {$25000.00}, with intention of paying the less the {$900.00} left the following month so I could be done with this company. I initially tried to pay online but none of their online tools allowed for payments of this size. 

I went to my bank and initiated a wire transfer in the amount of {$25000.00}. 

The funds cleared my account on XX/XX/2020. On XX/XX/XXXX SPS returned {$25000.00} payment. 

When I inquired why, they advised it wasn't for the full amount and have proceeded to call me 10 times a day hounding me about this debt. 

I went to extreme lengths to pay 96.5 % of the debt, and they returned the funds. And now have the audacity to harass me with debt collection calls. It makes no sense and I feel that SPS doesn't want this debt resolved but only wants to harrass and intimidate me. It is very unfair and they should be reported for these wicked practices. 

Not only have they harassed me with constant calls, they have reported derogatory remarks that have taken my XXXX credi score to XXXX. 

This is terribly unfair especially since I paid 97 % of the debt with intention to pay the remaining {$900.00} soon after the funds were sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Federal Trade Commission Identity Theft Report and Experian refuse to remove the information listed on the FTC Report from my credit report.
Product: Debt collection

XX/XX/2020 balance credit called my parent and spoke to them regarding my account and how much I owed. Totaling XXXX and then they proceeded to give them a settlement amount of XXXX. I was not aware of any of this or of a settlement amount. They have not spoken with me and this parent is not on the account nor has anything to do with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my consumer report several times with Innovis in XXXX, XXXX and XXXX of 2020 and still have failed to receive it. I have requested it on there website and by mailing a letter with no response. I want my consumer report mailed to me immediately as it is my right as a consumer.
Product: Credit card or prepaid card

I received an alert from my credit monitoring service on XX/XX/2020 that my credit card with XXXX via Comenity Capital Bank had been closed. I contacted their company that same day. My account was paid on time and had no issues. After speaking with their rude and unhelpful customer service agent & supervisor, I was informed that it was closed due to inactivity and that I would need to reapply for the account again. The account was closed on XX/XX/2020. There was no prior notifications sent from Comenity and they didn't have the correct address on file for me. The reason for inactivity is due to COVID-19. This a card that can only be used at XXXX Facilities which have been closed since XXXX in my area. Also, this card is for car related repairs but again due to COVID-19, I have not used my vehicle due to government mandatomed quarantine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX XXXX {$840.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX {$100.00} XXXX XXXX {$500.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX   XXXX {$110.00} XXXX  XXXX XXXX  XXXX {$5900.00} XXXX  XXXX {$570.00} XXXX   XXXX  XXXX {$2600.00} XXXX XXXX {$410.00} XXXX XXXX {$5500.00}
Product: Debt collection

On XX/XX/2020 World Finance Corporation falsely reported a fraudulent account that was obtained illegally using my social. I have reach out to the company numerous times to delete the negative account, but nothing was done. I also sent them a copy of a police report stating that my identity was being used without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4  business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 between XXXX am - XXXX am a hacker broke into my online XXXX account and using my Chase debit card on file with XXXX withdrew XXXX transactions of {$950.00}, {$1300.00}, and {$3500.00} for a total of {$5700.00}. Then from the credit in my XXXX account that they now had access to, they transferred the funds to a XXXX XXXX which was not mine to purchase cryptocurrency. Additional transactions were attempted the same day in precisely the same format by the same fraudster, however, Chase realized this was a fraud and denied the remaining transactions. Chase notified me by text of the scam and asked me to confirm that it was not me initiating these illegitimate transactions. As soon as I woke up on XX/XX/XXXX, which was memorial day weekend, I notified Chase that I did not initiate the transactions. I immediately called the Fraud hotline and reported the incident. I later sent supporting documentation to Chase which included a police report and my XXXX account showing the money was gone. Additionally, I sent a transaction report of my XXXX account showing all the debits and credits in my account noting that none matched the withdrawals from Chase and transfers from XXXX concluding that I never received the monies withdrawn. My documentation also included a police report of the theft. Chase gave me a temporary credit for {$5700.00} reversing the illegal transaction and said they would investigate. On XX/XX/2021, Chase withdrew the tempory credit of {$5700.00} from my account and said they determined the transactions were legitimate. I escalated with the Branch and they did not change the determinations. I then escalated it the Executive Office and spoke to XXXX there and after redetermination he was unable to give me back my money. They said my case should have been with XXXX. So I contacted XXXX multiple times and they said since I initiated the fraud case with Chase, then Chase has to resolve and that Chase has the final say.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Debt collection

I have never been presented with any affidavit that would provide validity to your assessment, and its my understanding and belief that no such paperwork exists. 

EQUIFAX XX/XX/XXXXXXXX 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 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 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 reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : I am a victim of identity theft Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX {$510.00}. 
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  {$1500.00} ( collection account ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX/RESURGENT is a collection agency account no.XXXX appearing on my XXXX, XXXX and XXXX credit bureaus.the original creditor is XXXX.The XXXX  account had numerous unauthorized charges.After notice in conversation with XXXX the charges remained.Without resolution XXXX continued the fraudulent charges escalating the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Debt collection

I was a guarantor of a lease for my daughter from XX/XX/XXXX until XX/XX/XXXX. My daughter signed a new lease for XX/XX/XXXX until XX/XX/XXXX. I did not sign the 2nd lease as my daughter then had rental history and is an adult.

For several months on the 2nd lease the apartment manager/maintenance entered her apartment without proper notice ( along with other unsafe practices ) where my daughter felt very unsafe and like she had no other option but to move. She moved at the end of XX/XX/XXXX after giving a 30 day notice and trying to work it out with management. 

The apartments have now sent her to National Credit Systems Inc. to collect the remaining balance of her lease ( {$1100.00} ). She is objecting to owing the amount due to the illegal entering of her apartment. 

I now have also received a collection notice from National Credit Systems. I've contacted the apartments via email ( XX/XX/XXXX ) and talked with XXXX XXXX of NCS ( XX/XX/XXXX ) relaying that I am not a guarantor for the lease period. XXXX mentioned today that since I signed the original lease I'm on the hook for all future leases and that he has reported me to the credit bureau agencies. Also, when returning my call the call ID showed a local phone number in Oregon and NCS is located in Georgia. 

I feel like National Credit Systems is violating not only my rights by trying to collect a debt not owed by me but my daughters by contacting me about her debt.