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

This is to inform the CFPB of the bad practices XXXX XXXX XXXX LexisNexis XXXX XXXX those companies have violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  ( negative {$700.00} ) The company XXXX XXXX XXXX has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.
Product: Mortgage

Payment Errors:On XXXX XXXX, 2019, I was placed on a temporary repayment plan with Ocwen. My repayment plan starting with the first payment on XXXX XXXX and the last payment on XXXX  XXXX  which would have had me completely caught up as of today’s date.  I was told that I would need to make a down payment of $XXXX by XXXX XXXX which I did.  The monthly payment during the payment plan was XXXX which started on XXXX XXXX.  I made the following payments (please see proof provided) 		Date		Amount	Payment made to		Method of paymentXX/XX/2019	$XXXXOcwen				XXXX XXXXXX/XX/2019	$XXXX 	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	PHH				Bank TransferXX/XX/2019	$XXXX	PHH				Bank TransferXX/XX/2019	$XXXX	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	PHH				XXXX XXXX		Total = $XXXXI was told by a representative of your company that the $XXXX counted towards payments for XXXX, XXXX, XXXX  and XXXX which does not make sense because I am not understanding where my down payment of $XXXX went.  PHH also said they took over $500.00 and put it towards the escrow which was not supposed to happen. I was told that it would be taken out of escrow and put towards my principal in 2 business days and it was not done.  I have called over 5 times regarding this issue because my account is still stating that I owe for XXXX  and XXXX   which is not the case.  •	Your company did not properly credit the payments that I have made since the beginning of XXXX in the amount of [X dollars]. This payment should have been credited to:o	[All of the payments should have been posted towards my repayment plan.
Product: Credit card

I applied to Navy Fed Credit Union twice for a credit limit increase on my VISA SIGNATURE FLAGSHIP account and was denied. I applied in XXXX XXXX XXXX XXXX XXXX. Initially I was denied for insufficient income and I sent an adverse action letter to dispute their discrimination and no response was supplied by Navy Federal Credit Union. I applied again and was denied saying that I've reached the maximum unsecured credit limit, which is a blatant lie since the card goes up to {$80000.00}. Clearly, Navy Federal Credit Union is discriminating against me as a consumer since I have rights to credit. Navy Federal Credit Union is with holding my access to my securities, which is securities fraud. Navy Federal Credit Union is violating the ECOA & Consumer Credit Protection Act. NFCU is refusing to increase my credit limit per laws set forth by Congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTE WAS NEVER LISTED AS A DISPUTED ACCOUNT OR REMOVED FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I have noticed some inconsistencies and errors on my consumer report. I have disputed inaccurate information as well as hard inquiries and accounts that shouldn't be on a consumer report that have been used as determining information to assess my credibility without my consent, which has caused wrongful denial to credit. I do not recognize, have ever consent or agreed to, or have authorized any of the companies reporting on my consumer report to furnish, use, or transfer my personal consumer info. Please investigate these, and provide me documentation of the methods you used to get the info, the sources you got the info from, the methods of verification, and and the original agreements or authorizations used to report. Please investigate TransUnion, XXXX and XXXX and i noticed they are all reporting inconsistent and wrong information include different consumer scores and they are reporting that my scheduled payments are not reflecting my paid payments when i have made all my payment son time.
Product: Debt collection

I received a letter from a XXXX XXXX XXXX XXXX XXXX. saying that I owe them {$14000.00} on behalf of Fifth Third Bank. As Ive already explained umpteen times to Fifth Third, the charges that make up this balance ARE NOT MINE!!! I will not pay a penny of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX  XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$540.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection was pay to delete however, the balance is still reporting on my credit report. I have attached a copy of the receipt from XXXX dated XXXX for payment in full of {$540.00}. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion Credit Agency on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to TransUnion on four other occasions that all of the individual tradelines for XXXX, US DEPT, XXXX, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX  is the new loan 's trade line entry. All my loans are duplicated and they should not be.
Product: Debt collection

Over the last year, I have received phone calls and letters about a medical debt I have no knowledge of. I am the 4th generation of a common family name and believe this debt does not belong to me, and have requested proof of such. On XX/XX/XXXX, Wakefield and Associates created a derogatory mark on my XXXX credit report, claiming I owe {$1500.00}. This has affected my personal credit score. 

I have answered the debt collector 's calls before confirming my name, and claiming I have no knowledge of the debt before hanging up. I have also answered calls and informed them I was at work, and not to call me during my work day ( Instead of replying to this, the associate on the phone pressed for more of my personal info ). 

I filed a dispute on XXXX XXXX and the company denied my dispute without providing any proof or documentation of this debt. Finally, I faxed a written letter to their customer service office on XX/XX/XXXX. I have a confirmation this letter was faxed to the correct office and received. This letter demands Wakefield and Associates stops attempting to call me and exclusively communicate in writing via fax or the address they have on file for me. I requested they only contact me once they have adequate validation of this alleged debt. On Tuesday XX/XX/XXXX, Wakefield and Associates continued to call me and leave a voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit score through experian. In order to get the credit score, they make you enroll in the monthly membership for $ XXXX/Month. I only wanted my initial score. They said you could cancel at any time by calling the XXXX number. They will not transfer me to memberships and I have been on hold now for 29 minutes.
Product: Credit reporting or other personal consumer reports

Sat XX/XX/XXXX XXXX XXXX XXXX 39 day late payment to my credit. 
This credit card account was closed XX/XX/XXXX XXXX. Account balance was paid to zero, last payment of XXXX was paid XX/XX/XXXX, this included balance plus interest and whatever fees. Since XXXX they continued charging me interest on an CLOSED account. I kept receiving emails requesting {$3.00} payments, I've paid the XXXX dollars twice XX/XX/XXXX and XX/XX/XXXX despite knowing the account was closed. I wanted to protect the integrity of my credit. I called them several times to fix the issue, however their call center being in XXXX and not having stateside assistance make it hard to communicate. Anyone can see that this wrong and abusive to consumers. I disputed this accounts accuracy with the credit bureaus and XXXX validated and updated the account on a Saturday. How can a dispute be investigated on a sat within an hours time. This account needs to be removed from my credit file so they can stop harassing me for interest payments on a closed account. They reported the account to my credit 39 days late after its been closed for 10 months. This a scam and its outrageous that the credit bureaus allow such abuse of power. My XXXX credit score dropped to XXXX for an illegal {$7.00} late payment mark. I have recorded phone calls to verify. This company is terrible and needs to sued and shutdown. How can a closed account with a XXXX balance accrue interest for almost a year and get away with it?
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely  wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH 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 XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$20000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Money transfer, virtual currency, or money service

Transaction through XXXX with Citibank application XXXX On XX/XX/year> I was contacted by phone ( call ID Citibank Gold ) asking about the validity of transactions that were going through my account. The person on the phone knew the amounts and dates and location of transactions in my account. He was able to tell me the dates and the exact amounts. Therefore he was already logged into my account prior to calling. 
He then asked me about a XXXX transaction for {$5000.00} ( on the Citibank application ) when I said that was fraudulent he guided me through certain steps to void it and when I started to get suspicious I immediately hung up and called Citibank to report and cancel. I was put on hold and after all the information was given I was told I was in the wrong department and she transferred me and put on hold again ( at least 20 minutes ). During this time the transaction changed from pending to completed. ( I have screen shots and I am sure the bank has records of the call ) I closed my accounts the next day. 
On XX/XX/XXXX I received a text message from Citibank cold with a canceled XXXX request payment on XXXX ( from my closed account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several disputes between XX/XX/XXXX 2017 and XX/XX/XXXX 2017, requesting for XXXX XXXX and Equifax to update my Public Record Tax Lien as " Paid '' or to have it removed. I recently applied for a Mortgage, and my credit report is showing that I have an unpaid Tax Lien. The Tax Lien was paid on XX/XX/2017, a portion of my federal refund was taken by the IRS and they paid the debt to the XXXX state, I have a letter from the IRS. I contacted the XXXX XXXX XXXX and they show me as paying the tax lien, they stated they do not report " Tax Liens '' to the credit bureaus, they stated these agencies looked up my public record and obtained the information from there. I have contacted the credit bureaus again, and I faxed them and mailed the documents showing that the Tax Lien was paid, but they still are reporting it on my credit report as " Filed '' and XXXX XXXX is reporting an incorrect amount. I have attached documents for proof.
Product: Checking or savings account

I was charged on XX/XX/year> for the amount of {$67.00} to my Wells Fargo checking account ending XXXX. I checked my XXXX account to see if I purchased anything that day that would match the charge since I didnt recognize it and I did not, the transaction isnt showing in my XXXX orders but my checking account has that charge. I did not contact XXXX because I do not believe the charge was made on my XXXX account because the details of it would be in my purchase history.
Product: Checking or savings account

I made payment on credit card XXXX days later navy federal says that the money has been forgiven to the company but know XXXX days later I've got a overdraft fee and they didn't paid it how do you charge for something u didn't pay I'm a senior and I'm trying to keep track of my bank accounts but it's hard
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EXPERIAN regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/year> Nature of Complaint : On XXXX, I submitted a dispute to EXPERIAN disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reason : Please verify that late payment is made, I have never made a late payment, I have always paid on time Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, EXPERIAN has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

At debt in the amount of {$71.00} has been reported to my credit report. After investigating the matter with the original creditor it was determined that the debt is NOT associated with my identity. I do not have any past due balances with the creditor, XXXX. In fact, I have a OPEN wireless service account with the company so its not possible for this collection account to be associated with me.
Product: Student loan

Before repayments began in XX/XX/2023, I was automatically enrolled in the SAVE repayment plan. The policy of this program is that when the minimum payment is made the remaining interest is eliminated thereby interest no longer ballons. However, MOHELA has not done this on my account. Even after I made my first minimum payment XX/XX/2023, they continue to add interest ever several days per loan. This continues to happen to present day, again even after I made the minimum payment. I verified with the Department of Education that the interest on the SAVE plan is to be eliminated for the month in question after the minimum payment is made.
Product: Credit card

I went to use my AmazonStoreCard from synchrony bank and it wouldnt go through so I called them and they said my account was closed. The last time I used my card was XX/XX/year> so its only been a little over a year since I used it last. I did not want to close my account. I never received any mail or an email notifying me that the account was going to be closed. I had about {$200.00} in rewards points saved up that I was going to use for XXXX presents this year. when I called them, they said that they were not able to give me my points or reopen my account. They said that if your card isnt active every couple months they will automatically close the account.