23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Well I went through a divorce! And myself and my x name are on the car. Ive requested several time over a yr to have statement sent to me. They refuse to do so Ive asked to take my x off the loan due to hippa and court order stated that my x was not responsible for such as car is paid off and all taxes was my problem. She had no owner ship! Also Ive requested several time to have a lower payment. Was told they cant. They due not report accurately to the credit bureau and I have no clue what my payment are going to. They refuse to send me a statement to file bankruptcy with. So they prolonging the process. I talk to several people and a lady from the office on the XX/XX/XXXX! Was told then I should be get my statement. This problem if or when I pay this automobile off they will send it to my x which I will never get my x should not be on this account. Im XXXX and they harassed me to the point I told them to never call me Ive been stress out to the point with them I have to take medicine but they send me emails all the time to buy another car athough they cant send me my statement. Chrysler capital is one the worse car loans I ever have!! I do not recommend them they lie and mislead u ..
Product: Checking or savings account

I started receiving emails from CapitalOne on XX/XX/XXXX. One was to congratulate me for opening a XXXX XXXX XXXX, two others to tell me my phone number had been changed. On XX/XX/XXXX and XX/XX/XXXX I got two more emails urging me to finish setting up my account. I kept the emails in a separate folder, but assumed they were phishing attempts. These emails do have meta data identifying them as coming from capitalone.com I received a debit card on about XX/XX/XXXX. I began to regard this as something other than phishing, and realized somebody had actually opened a checking account at CapitalOne. I called the number on the back of the card, proved who I was to the satisfaction of the card fraud department, and they cancelled the card. I shredded it. 

I continued to get emails encouraging me to deposit money in the account. I received a letter from CapitalOne dated XX/XX/XXXX that my account had been closed, and on XX/XX/XXXX received a bank statement with a XXXX balance. 

I can't figure out the angle here, and have come to believe that somebody at CapitalOne has opened the account in my name for reasons unknown. 

I have never had an account with CapitalOne, nor have I ever applied for an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 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.

A copy of my Bank statement drivers license, and So
cial Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX XXXX  account # XXXX at least 20times in the last 3years for reporting an account I have no idea about I filed an ftc report # XXXX and they reaged the account and changed the balance to {$500.00} on my experian credit report which is manipulating the statue of limitations.under 15usc1681 ( b ) 2 they have 4 business days after receiving this complaint.To block/delete account.i called today XXXX XXXX  and spoke to an account manager named XXXX, I informed her that XXXX XXXX XXXX is reporting 2 different account numbers and changed the balance owed and updated the account, which is manipulating the statue of limitations.she got very rude and said we are going in circles and hung up on me.please stop violating my federally protected rights under 15u.s.c1681.please delete this fraudulent information from my experian credit report.
Product: Mortgage

My bank collects for taxes with my principal, interest and insurance payment every month. I added additional land to my property and the bank, Chase, stopped paying my property taxes without contacting me. I continue to pay my property taxes monthly to them and also had to go pay XXXX tax bills that they did NOT pay. I contacted Chase Bank on XXXX and spoke with a supervisor. I told her my issue and she said she would be sending me a letter within two weeks letting me know what they will be doing. Today is 30 days and I have heard NOTHING from them.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian is reporting unauthorized inquiries, collections, late payments, names, addresses, and phone numbers on my credit profile. I am a victim of identity theft from multiple people stealing my information. I have reached out to these credit bureaus numerous of times and havent gotten a response. They only update the accounts as meeting FCRA requirements without doing the proper investigations. The XXXX Department of revenue , XXXX XXXX police department, and XXXX police department are all aware of the fraud that has been committed against me and also have fraud reports from me. Also the supervisor at the social security office in XXXX XXXX informed me that someone has been using my social to work in XXXX and I have never lived there before. I have also reported this to the FTC office. I am disputing all collections, late payments, and inquiries from Experian, XXXXx, and transunion. Also I should only have one name, one address, and one phone number on my credit profile according to the FCRA. The fraudulent information on my credit report is very detrimental to my character and has caused me not to be able to obtain credit. I am going to attach a copy of my FTC report on this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a identity theft report on file with Equifax, I followed the procedures for reporting fraudulent accounts on my credit report and Equifax refuses to comply with the FCRA law regarding to the reporting of ID theft by a consumer. I was not given notification that my report was received and being investigated AFTER the original 4 days that Equifax has to block information from my credit report. I was not given a clear reason as to why Equifax refuses to remove, block or delete these items, I am consistently told that its proprietary information and I am not privy to the information. These items are not mine and Equifax 's refusal to remove these from my credit report is hurting me financially, and is causing me to suffer by not being able to obtain credit that i rightfully deserve.
Product: Credit reporting or other personal consumer reports

All XXXX bureaus are reporting inaccuracies on my credit report as well identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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: Credit reporting or other personal consumer reports

Delete this account for inaccuracy because the last paid date for 2019 reported is incorrectly on XXXX, Equifax and XXXX. In addition, number of late payments and status of account on XXXX do NOT match with Equifax, and XXXX. 

Account name XXXXXXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX It has been an on going issue this year alone with TransUnion & XXXX. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid {$1800.00} to Procollect Inc to settle an unpaid debt. On XX/XX/XXXX they still reported to the credit bureaus that this balance was unpaid. Which is FALSE AND INACCURATE I FORMATION that should NOT be reported because it was PAID IN FULL XX/XX/XXXX! They sent me a paid in full letter XX/XX/XXXX and told me they would update my file to the credit bureaus which was a LIE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the creditor and the credit bureaus on multiple occasions. I have received no response. This account wads open XX/XX/2015, It is and outdated account that is reporting has charged off but has a negative balance. This account has been paid in full and is out of the statue of limitation of reporting.
Product: Debt collection

The reason that I am writing its because I received a letter with some amount, that they said that I owe, and its because they add more people to my insurance policy with out telling me, or if they did, I never said it was ok to add those person and thats why my policy went up, any question I am free to answer Thank you
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 insufficient 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 credit Union for similar practices, where transactions settled with insufficient balances, despite initial availability of funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Student loan

I have had this loan since XXXX of 2008. Which I had gotten through XXXX XXXX, consequently Navient bought the loan. I 've just discovered that I am being charged an interest rate of 35 %. My loan documents show I should be charged an interest rate of 11 %. If I had not been loan sharked this loan would have been paid off years ago. The initial loan was for {$3500.00} plus interest. 
I am also not getting correspondence from the company but they are harassing my co-signer with letters and phone calls monthly. He has to email me the letter they keep sending him. I 've enclosed a copy. I do not live with him and do not know why they included my name under his address. 
I have provided a copy of my profile on their website proving they have my current mailing address and phone number. I will be sending a copy of this complaint along with all other documents included to Navient as well. 
With all of the extra money being taken towards undue interest this loan would have been paid off and done with. I believe Navient owes me a sum of money from interest that was not due to them or the loan being considered paid in full. At the very least they should recalculate the loan at the proper interest rate and provide updated loan information as well as remove the co-signer and stop harassing him.
Product: Mortgage

XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXOffice of Consumer ResponseConsumer Financial Protection BureauConsumerfinance.gov ( XXXX ) XXXX ( XXXXREFERENCE : Select Portfolio ServicingXXXX XXXX XXXX XXXX, XXXX XXXX Number : XXXXAccount Number : XXXXDear XXXX XXXX : Selected Portfolio Services is my mortgage servicer. I have entered dialogue with this servicer due to the following : In 2015 I received approximately {$5000.00} in funds that had been held back in error when my loan was transferred from XXXX XXXX XXXX to Select Portfolio Services. 
During this period SPS reported late payments and other derogatory information to the credit agencies. This has damage my credit and made it impossible to receive mortgage financing. I am requesting compensation. 

SPS escrows my taxes. SPS failed to calculate the taxes required and did not make a tax payment on time. This causes the local county to place a tax lien on my property. 
This contributed to my poor credit rating and credit distress. 

My original mortgage was with XXXX. I was living overseas at the time : This mortgage had undisclosed PMI insurance. 
The mortgage was uneconomic in that the annual mortgage P & I is less than the property taxes. This was not disclosed. 

SPS modification was simply fraud : The modification decreased the monthly P & I from the original {$2700.00} to $ XXXXThis modification on a payment basis is insignificant and does not provide relief. 
I like for this mortgage to be exclude for in favorable HAMP reporting and financial benefits. 

I have had the house on the market over the past modification. The P & I to Property Tax ratio push buyers away. I will need a principle reduction to {$750000.00} to make the home attractive to buyers and fair to me. 

SPS has placed PMI insurance of my HAMP loan which was undisclosed to me. 

Please help. I am XXXX now and would like to remedy this due to XXXX. 


Sincerely, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has provided false information of XXXX XXXXXXXX XXXX GA XXXX verifying the public record on consumers file as accurate. Under the FCRA, courthouses do not verify public records to credit reporting agencies, credit bureaus, third-parties and vendors. Experian states on report of dispute results that XXXX XXXX XXXX XXXX XXXX, is the third-party vendor who provided them information regarding the public record at https : //experianconsumers.XXXX.XXXX/. XXXX is not the original data furnisher of this information as required under FCRA and must be deleted for false reporting and XXXX could not verify this public record in their database : Chapter XXXX bankruptcy. Continuing to report the public record is a violation under the FCRA as stated above, I have requested for Experian to stop reporting the public record and delete it from the consumer 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 -Disputed incorrect data on my accounts with equifax , they failed to verify and correct errors on my credit file. No proof provided to me. 
XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts XXXX account XXXX doesn't belong to me XXXX XXXX incorrect data XXXX XXXX duplicate accounts XXXX XXXX incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received a response from LexisNexis via the CFPB portal, indicating that they had attempted to contact me via email requesting identification. However, I did not receive this email and have asked LexisNexis to forward me the original email for verification purposes. I suspect that this may be a tactic to delay the investigation of my dispute. 

As of XXXX LexisNexis has still not provided me with any contact information regarding how the accuracy of the XXXX  was conducted. Merely providing me with the court 's name, address, and phone number does not suffice as valid information. 

I have reiterated that the information regarding the bankruptcy is inaccurate and have supplied LexisNexis with a list of accounts that were allegedly included in the XXXX but were not. This serves as my third and final attempt before resorting to legal action. I now insist on being furnished with the date and name of the representative contacted by LexisNexis for the verification of the bankruptcy 's validity and accuracy. Under the FCRA, I am entitled to this information. 

I have attached my lease, driver 's license, and a letter from the XXXX court stating their non-reporting policy to credit agencies. There is no legitimate basis to dispute my claim of inaccuracies in the XXXX  reporting. If validation can not be provided, the information must be promptly expunged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Navy Federal as I had 2 accounts approaching 30 day late. I asked which 2 accounts those were so that I could pay before it would be reported. I posted 2 payments to bring my accounts current with plans to post the final payment to the 3rd account before it hit 30 days. I was mislead into believing I had paid the 2 accounts that were passed due when I had not. My accounts were closed without explanation and statements forwarded to an old address where I had no way of knowing my dates. Also, online access and convenient payment options weren't available to me but only by driving an hour or more depending on my location to post a payment. This 30 day mark has caused my credit scores to plummet and I feel this is due to error on Navy Federals part. I've been a member just over a year and had not missed a payment prior to this. This could have easily been handled had I known but Navy Federal chose to call me on day 31 advising me that I would need to make a payment to avoid additional fees/late charge penalties. This is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has my phone number associated with a XXXX XXXX. I originally contacted them in XXXX of XXXX and asked that they remove my phone number from the account for XXXX XXXX. The person I spoke with informed me that the only way to remove the number is for them to send a letter to the address on file. I explained to the person that not only do I not live in the state of Texas, I have no association with that address and would be unable to receive correspondence. I contacted them again in XX/XX/XXXX and was able to have someone verify that my phone number was not associated with XXXX XXXX, however, they would only put a statement on file to not contact the XXXX XXXX at that number. Im receiving more calls and texts now, so that clearly did not work. I want my phone number permanently removed from XXXX XXXX account. I am royally confused to their persistence in keeping information on someones account that they know is incorrect. It takes a lot of time to figure out how to speak with someone at LexisNexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion sent this letter dated XXXX XX/XX/2018 in response to the attached document by me stating THIS IS NOT A DISPUTE. I requested Transunion to provide, BY CERTIFIED MAIL, signed XXXX XX/XX/2018 the individuals contacted from XXXX XXXX   and the information that XXXX XXXX  is providing Transunion enabling Transunion to continue to verify this inaccurate credit card charge off on my credit report. This proves Transunion doesnt read the information provided on this portal. Transunion collects and submit through XXXX. This document was mailed two months ago to Transunion. No reply from Transunion no requested documents only unrequested reinvestigations. TRANSUNION IF YOU READ THESE COMPLAINTS PLEASE RESPOND TO THE ATTACHMENT SENT TO YOU OVER TWO MONTHS AGO and send the requested information.
Product: Credit card or prepaid card

I received a unsolicited debit card from USBank that had not been activated, so I called and canceled it over the phone. Also someone had applied for unemployment beneiftits 3 weeks earlier, so I am a victim of identity theft.
Product: Credit card or prepaid card

I called Zales to pay my bill in full not including late fee, I asked to have late fee waived since I am going through financial hardship due to pandemic and I am pay all my bills to prepare myself for the worst, however I can not afford to pay late fees I been home until further notice, unsure of when I will get paid again. I spoke with XXXX or XXXX  who is an Account Manager for Zales in which she refused to provide at least her employee number and phone number, I asked to have late fee be waived she refused to help me said there was nothing she was able to do because late fee waived back in XX/XX/2019. I made her aware of my financial situation and that I was trying to pay balance in full but did not have enough in my account to pay for late fee. She did not care and said I could pay another time. Another time I can be reported to the CBRs or possibly I will not have the money at all. She did not care.
Product: Credit card or prepaid card

XXXX XX/XX/2022 Story regarding the institution named below, WELLS FARGO Wells Fargo Letter dated XX/XX/2022 Application # XXXX Identity can't be verified letter dated XX/XX/2022 Application # XXXX Identity can't be verified Documents faxed as requested to XXXX Successful delivered at XXXX EDT on XX/XX/2022 See Attached Fax sent to XXXX ( Wells Fargo ) on XX/XX/2022 asking status and documents, passport, utility bills ( XXXX XXXX  XXXX XXXX sent again. 

Filed complaint to CFPB on XX/XX/2022, # XXXX CFPB confirmed sending copy of complaint to Wells Fargo XXXX 

Fax Again Real-time Fax Status Real-time Fax Status : Successfully Sent Fax Info Date : XX/XX/2022 XXXX XXXX  PST Receiver Name : Wells Fargo Visa Receiver Company XXXX Wells Fargo Receiver Fax XXXX XXXX XXXX Subject : XXXX Page Count : XXXX ( including cover page ) Letter from Wells Fargo XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Were responding to your concerns Case number : XXXX Application number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX SIGNED BY : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Wells Fargo makes another enquiry to XXXX on me, XXXX XXXX. 
See attached Letter from : Wells Fargo Letter dated XX/XX/2022 Application ( now ) # XXXX Identity can't be verified See attached
Product: Mortgage

I am attaching a XXXX  of my complaint : CFPB - XXXX I am attaching a XXXX  of letters from my mortgage servicer, SPS : SPS letters.XXXX I am attaching a XXXX of SPS response to previous complaint : SPS responseXXXX  I am attaching a letter to SPS explaining reason for short sale : WORST.XXXX I am attaching content of my previous complaint to CFPB : XXXX XXXX