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

I sent registered mail to all three bureaus requesting as the consumer for collection accounts to be deleted off of my credit report. Under and according to 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

So as the consumer as stated in section ( 2 ) I am giving and have given you written instructions to delete the accounts that are in collection Account status that are on my consumer report that are being furnished by all three bureaus.

This has caused severe harm to me as a consumer and per violation as stated is up to 1k in fines so please delete the items listed above that are in collection status. I am not asking you to verify any of the accounts listed I have opted out of all companies that are listed in collection status from them furnishing you information so please dont say you have verified the information because thats not what I am asking as stated in section 2 I have given written notice to delete the accounts furnished on my consumer report.
Product: Money transfer, virtual currency, or money service

My college sent my cancelled semester refund to Bank Mobile. Bank Mobile sent it to a fraud XXXX XXXX  account. I contacted Bank Mobile and completed all documents and information to prove that I donot have a XXXX XXXX  account and I did not authorize this transfer. It has been 3 weeks and Bank Mobile is now saying that it is not their fault and this is my account. I have proven everything and sent all documents and still they are refusing to correct their mistake. My parents will be suing Bank Mobile.
Product: Credit card

See the previous XXXX complaints that have been closed without resolution. Barclays has not addressed my complaints or provided evidence of my authorization for this debt. Per the CFPB, once a debt has been disputed, the debt collector must stop all collection activities until it provides you with proof that you actually owe the debt. In addition to the complaints I've filed with the CFPB, I've sent XXXX letters to Barclays Bank Delaware, Office of the President, Attn : XXXX, XXXX XXXX XXXX, XXXX, DE, XXXX, to which I have not received responses. BELOW and attached is the letter I sent XX/XX/year> detailing my request to receive proof that I owe the debt. I have only received an application with a scribbled signature that is not mine but no evidence that I authorized the charge. This is fraud. Please kindly send proof that I authorized the charge as this was charged without my permission. 

" I received your letter dated XX/XX/year> from the CFPB website ( attached ). Ive highlighted statements that are false. I did not state I was to be added on to a separate account as an authorized user. I simply reported the account as fraudulent which is why the account was initially closed. And why would I request to be added as an authorized user if I supposedly signed an application for the credit card ( which I didnt )? Wouldnt the primary card holder be required to add me vs my requesting to be added as an authorized user? I truly dont understand your justification for concluding this is a valid, authorized account. I request a copy of that verbal conversation where I made the statement. 

Regardless of any of the above, the application you provided does not represent my authorization to open the account. In addition, I request validation of the charge to this account in the amount of {$4100.00}. I did not sign the credit card application, and I dont have a contract with the merchant. I did not authorize the purchase of property or sign a contract/agreement for this activity. As this was not authorized, I request documentation of my authorization of the charge. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. Inform them that the debt is disputed, and request they remove it from my credit report. Reporting information that you know to be inaccurate violates the Fair Credit Reporting Act. '' Please provide the XXXX requests ( recording and signed contract ) that provides my authorization for the purchase.
Product: Credit reporting or other personal consumer reports

on XX/XX/ i order a credit report and found some discrepencies of hard inquiries that i never authorized to be run on my credit and 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. 


list of accounts 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 15 u.s.c. 1681 section 602 a. states i have the right to privacy.

15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have no less then 18 inquires on my Transunion Credit report that were due to attempted identity theft. I had the same issue with XXXX who has since removed the inquiries. Transunion has requested that I first make a report here with the Federal Trade Comission.
Product: Credit card

I returned a bracelet to XXXX  on XX/XX/year>25 with signature to be signed upon receipt. I paid XXXX installments equaling XXXX XXXX  received the return and refunded me the money to Synchrony bank is only giving me a check for XXXX saying they put the remaing credit towards my XXXX bill, but I received my XXXX bill and there is no credit, in fact I was charged an additional XXXX for a bracelet that was returned and received the week of XX/XX/year>25 I would like my full amount that I paid back from the bank. There is no reason they should be holding my money for an item that was clearly returned and received and for me to have to wait until XXXX for them to make adjustments.
Product: Credit card

As agreed with Bank America once I pay off my account the account will be deleted with bank America america.I have paid off my account with a XXXX balance.
Product: Checking or savings account

I deposited my income tax refund check and they wanted to prove it was made to me but yet they cashed it to take their fees out of it and won't give me the balance and close my account
Product: Money transfer, virtual currency, or money service

I went on a XXXX XXXX website to purchase Item from their clearance listing. I did the purchases through Paypal for protection and when I look for confirmation of the purchase from my email, the purchases look legit and to double check XXXX hours later on the transaction list on my Paypal account, I saw there were transactions done with a different entity. I immediately file a request for verification of vendor and Paypal doesn't allow you to add comments of letting them know of the reasons I needed to have them do. They made me wait two before they sent a response that everything checked out and if I did not receive the merchandise I would have to make another claim. I haven't received any merchandise and they block my account. so I have no way of making any request of claims to this issue. They exist to help people from these types of fraud and it seems like they haven't protect me and help the criminals conduct the fraud. I want my money back because they authorized the transaction because the vendors have to be verified before the transaction can be conducted. I was making a transaction with XXXX XXXX XXXX XXXX  and if the name of the company does not match it is Paypal responsibility to make sure the names match. The vendor had a XXXX name and if I can notice that looking at Paypal transactional records, I'm not understand how PayPal didn't spot the obvious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled into a debt management program with XXXX XXXX XXXX in XX/XX/2023. Capital one is one of the creditors on my payment plan and they have been receiving monthly payment from XXXX XXXX XXXX on my behalf since XX/XX/2023. Part of the debt management program rules is that the creditors must stop reporting my account past due but Capital One continues to mark me past due each month. Ive disputed this with the credit bureaus and they refused to correct it and denied my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

On my monthly credit card statement was a paypal charge {$8.00}. I checked my paypal account ( which I havent used in many years ). No transactions were shown for the last two or more years. The phone number next to this supposed charge on my statement is XXXX  XXXX XXXX XXXX XXXX CA. I called this number and the computer told welcome to paypal. I immediately terminated the call. I did contact the bank in regards to this charge and they are also looking into this. I realize {$8.00} is a very small amount to be concerned about, but something that is being used as an attempt to commit identity theft.

Thank you.
Product: Vehicle loan or lease

Exter Finance LLC repossessed the car from me XXXX XXXX, 2020. According to the credit report, they're reporting that they never received a payment that isn't true. They ended up selling the car for {$10000.00} and sent me a letter that after the reappraisal of the car. I owed {$0.00} and it would be cleared from my credit. I notice they keep updating negatively which isn't true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Consumer Complaint Against A Business/Company | State of California - Department of Justice - Office of the Attorney General To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX, EQUIFAX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX, XXXX. All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 3. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit card

{$840.00} charged XXXX to Apple Credit Card from Goldman Sachs I first disputed on the XXXX ( XX/XX/XXXX ) because the banner showed up on the XXXX but charge was made on XXXX. Apple Card removed charge while dispute in progress. Then denied the dispute and charge was placed back on card. 

I continued to dispute the charge ( for which I had no knowledge ) very 2 months since XXXX until last month XX/XX/XXXX, at which time I was told there were no other options for dispute or resolution. In XXXX I requested proof of the alleged purchase and was told it was an " apple store purchase '' and documentation would be mailed to me. It was not mailed or emailed to me, which was confirmed on a call I had with the credit card company last week on XX/XX/XXXX. During one of the many ( every other month ) disputes I spoke with a Goldman Sachs representative who conferenced in an Apple XXXX employee who confirmed no purchase for {$840.00} was made in XXXX of XXXX. 

I did not make the alleged purchase for which my card was charged {$840.00}. And Apple Card and Goldman Sachs has not been able show proof of such transaction.
Product: Credit card

On XX/XX/XXXX, I received a letter dated XX/XX/2016 from Kohl 's that I had opened a credit card. I did not open any credit cards with this company. I called they and they informed me that an online application had been placed for a credit card in my name. Both were cancelled by Kohl 's, however, the inquiry still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus 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, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX my lease ended with XXXXXXXX XXXX XXXX XXXX XXXX- owned and managed by XXXX XXXX. 

On XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  sent a move out statement claiming I owed {$660.00} on top of the {$150.00} deposit that they kept. 

On XX/XX/XXXX I disputed a number of these charges, as they were not valid per KY XXXX under XXXX XXXX. These included carpet damages and pest control fees that were a direct result of landlord negligence and are legally the financial responsibility of the landlord under KY law. 

On XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX sent another email reminding me of the charges but failing to address any of the disputes. 

On XX/XX/XXXX I referred them to the original email that disputed these charges. 

On XX/XX/XXXX I followed up again to point out the disputed charges On XX/XX/XXXX they responded saying they were unsure of what charges I was referring to On XX/XX/XXXX I again outlined the specific charges I was disputing and why they are not legally valid On XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX referred the debt to collections without any further communication with me and without resolving the disputed charges. This is illegal under KY law. 

On XX/XX/XXXX I first discovered that this debt had been referred to a collections agency On XX/XX/XXXX I sent written communications to both XXXX XXXX XXXX XXXX as well as the debt collection agency National Credit Systems Inc regarding the unlawfulness of this debt. I also requested written verification of the debt from National Credit Systems Inc. When I called them to dispute the debt and request verification, they directed me to email XXXX at the XXXX XXXX XXXX XXXX XXXX, as they said that this law office is who handles this type of communication for them. In this email, I also included extensive evidence of my prior communications with XXXX XXXX XXXX XXXX as well as specific KRS 383 statutes that demonstrate the unlawfulness of the alleged debt owed. 

As of today, XX/XX/XXXX, none of the above companies had responded to my most recent communication attempts, and the unlawful debt is still being reported to credit bureaus.
Product: Mortgage

I had a mortgage with Nationstar Mortgage which I refinanced elsewhere. I had to complain to get all of my escrow refund, but they finally sent a second check. Now, I am reviewing the statements from them and doing an audit and I find that they XXXX paid my PMI in XX/XX/XXXX. 

I am attaching the annual escrow statement dated XX/XX/XXXX showing the previous year 's payments, which shows they paid PMI in all 12 months ( no skipped payments to be made up later ). It also shows an ending balance of XXXX. 

I am also attaching the last escrow statement dated XX/XX/XXXX which strangely shows a beginning balance of XXXX. That statement goes on to show XXXX payments for PMI were made on the same day XX/XX/XXXX. 

When I called them they said the second payment on XX/XX/XXXX was to make up for a missed payment in XXXX. The problem with that is the statement says there was no missing payment, in XXXX or anytime in the year. 

They then tried to explain that the Annual Statement is a projection and not actually what was paid. This is again ridiculous as the statement was issued XX/XX/XXXX but included what they said are projections of what had happened in XX/XX/XXXX? Additionally the statement says the figures are " Actual Disbursements '' not projections.
Product: Credit reporting

XXXX XXXX falsely reported a late payment on my mortgage after changing my billing in mid bill cycle during an escrow analysis. They increased by mortgage by XXXX in the middle the month and demanded a payment of that amount without my knowledge of the change until the night it was due. I called and they agreed it was a problem and that they would work on readjusting the payment and that this would not affect my credit, they also tried to get me to do loan modifications etc, and refinance while I waited. They adjusted the payment to a mere XXXX my previous payment, which I promptly paid. They then reported me for month that they changed my mortgage as being late even thought they told me they were changing the payment and that this would not happen several times on the phone. I was not interested in waiting around for a refinance, I just wanted to figure out a way to sell the house and get away from it and make my payments on time which I did after they changed the bill. They tried levying insurance on property that I did not need to add extra bills as well. They could never explain the escrow analysis and why they tried to destroy my credit and lied. Equifax did not do a good job of looking at the facts and the evidence. They should immediately remove this. I am not alone, this is a practice that has affected XXXX XXXX customers. I never pay my mortgage late in 10 years. They are predators. Equifax should use due diligence in their investigations and really look at the evidence and payment histories of those that are in question. Mine was stellar. There are XXXX complaints just like mine, not coincidental, I 'm sure.
Product: Credit reporting or other personal consumer reports

I received an inquiry on my credit report in XX/XX/2023 from XXXX XXXX XXXX XXXXn XX/XX/2023. Shortly after I received a card in the mail. I had moved from XXXX, IL to XXXX, MO in XX/XX/2023 and the card was originally sent to the old address and forwarded by XXXX. I called XXXX to tell them I had not authorized or applied for the card. The rep I spoke to confirmed that it was already flagged as fraud on their end and they had closed the account. I was told there was nothing else I needed to do, so I shredded the card and documents. I have since had the card reported on my credit, along with a missed payment reported. In XX/XX/2023 I initiated a dispute. I received a letter from XXXX stating they were unable to determine what I was disputing. I do not have a full account number since I shredded the documentation, but the letter I received from XXXX states the card ended in XXXX.
Product: Debt collection

Trans world has violated the FDCA as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.
Product: Checking or savings account

I closed a CD after a 12 month maturity, choosing their option of having it automatically transferred to an existing savings account at the same institution. After maturity, the CD was closed but the money never showed up in the savings account as requested. I called, they said they can see that it transferred to that account, but don't know why it didn't show up. They said they would have to open a case and I'd have to call back after a few business days. So far there's been no progress, and my {$11000.00} is still missing.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX  is a tribal lender loan. I was referred to them when I found out XXXX  had closed. I didn't realize the APR was 642.51 %. I borrowed {$790.00} and now I owe {$4200.00}. This should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is an update with more documents to show the issues with XXXX Credit Reporting. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XX/XX/XXXX/XX/XX/XXXX not XX/XX/XXXX. 

The 3 Navient accounts listed as joint holder should be listed as charge off XX/XX/XXXX.