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

This is my numerous endeavor to tell you 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wrote that my credit file had been accessed inappropriately and that I could signup for free credit monitoring protection. I signed up. 
I never received the protection or further correspondence.
Product: Debt collection

XXXX XXXX bill that was charged to my credit as owed debt SECU personal loan that I did not take out
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX CHILD SUPP / {$30000.00} / XX/XX/2022
Product: Checking or savings account

Direct deposit is not pending in account and funds are not available. Can not get a answer from NFCU as to why my direct deposit was not processed and made available to me as today XX/XX/19 is my company pay day. Verified with employer that direct deposit was sent to bank and I have copy of check stub. I have bills setup on auto payment due to come out today and this will cause me to incur overdraft fees.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I was if I could deposit a XXXX check in my account as a favor. I did think it was a bit odd. I did not endorse the check. I left the Debit card in the ATM.. When i got back they asked if i withdrew any money.I said no. They wanted me to take out what was available. Then they asked if we can go by the bank and withdraw. I told them somehow I lost my card. They got angry. they asked if I could XXXX the money into my XXXX XXXX account which i did when it became available on the XXXX of XXXX then XXXX XXXXd it to her XXXX XXXX.
Product: Credit card or prepaid card

I was denied an extension of credit by this company. I now request a statement of reasons specifying the adverse action.
Product: Debt collection

This company is contacting both my work number and my personal number at minimum 3 times per day each. Often utilizing multiple numbers and attempting to mask caller id on some attempts. This is extremely excessive considering this would constitute at least 36 contacts per 7 day period.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear TransUnion While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 ) and a serious breach of my privacy rights. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to attempt to resolve this newly inserted comment with Experian and they continue to beat around the bush and do not provide a clear and precise explanation as requested. They continue to report " Too Many Consumer Finance Company Accounts '' on my credit file yet fail to tell me what they are. I have not had any new accounts opened nor have I owned any accounts such as payday loans or lines of credit extended to me as distressed consumer. Despite me using less than 1 % of my available credit and paying off my auto loan my score dropped significantly. This again is a newly inserted comment on my credit file, this comment use to never be there. This is creating an adverse action on my credit file and is lowering my score. This is a defamation of my character as it implies I am borrowing at subpar terms and may be considered high risk. Additionally my mortgage payments have not been updated in my file.
Product: Debt collection

This complaint is being sent to Wakefield & Associate in response to the above reference account ( XXXX & XXXX ) that Wakefield & Associates has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to all of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on my XXXX credit report by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Prepaid card

Comerica bank refuses to correct there computers errors regarding the derect express card they issued me after the SSA requested that my ssdi payments go to. Comerica bank will not provide SSA with the routing and acount numbers so they can send my payments to it. I've had there card they sent me for 5 months now but SSA has not received the required information to do it. Because of this I am now late on my rent payment.
Product: Mortgage

I have met certain conditions, yet my repeated requests to have the PMI removed have not been honored. Below is a summary of my attempts to resolve this issue : On XX/XX/XXXX, I contacted your customer service department in writing to request PMI removal and was informed that my request would be reviewed. 
On XX/XX/XXXX, I provided all necessary documentation supporting my PMI removal eligibility including the {$150.00} appraisal fee for the property valuation. 
As of today, XX/XX/XXXX, PMI is still being charged on my mortgage despite meeting the required criteria and multiple phone calls to your department. 
* I sent the final request letter for PMI to be removed.
Product: Credit card

XXXX XXXX XXXX is fraudulently charging me {$2400.00} for a hotel reservation that On the XXXXXXXX has no record of. XXXX  lied and told Wells Fargo that I cancelled the reservation, and told me that I used the reservation, however neither is true because On the XXXX had no record that I had a reservation to begin with. It is in fact a duplicate fraudulent charge for a XXXX bill already paid to XXXX XXXX 

Additionally, XXXX suggested that I file a dispute with XXXX or Wells Fargo because XXXX cant help me with the fraudulent charge from the travel agency because it has nothing to do with my actual stay. 

On XX/XX/XXXX XXXX  XXXX  refused to give me the room type I booked, a suite with two separate beds for me and my adult son in XXXX XXXX ( XXXX XXXX ). They overcharged me for a suite but gave me a much smaller room with one bed only and no bed for my adult son. I immediately submitted an on-line request ( which is allowed according to their policy as stated on their website ) for them to fix their error which they denied receiving but admitted through XXXX chat. 

I contacted On the XXXX  on XX/XX/XXXX ( to fix the reservation ) and they told me on XX/XX/XXXX that there was no reservation from XXXX  so I made a reservation for the same hotel and dates with XXXX ( which I paid ) otherwise I would have had to cancel my 14 day trip ( I had already booked plane tickets for XXXX leaving from XXXX on XX/XX/XXXX and we would have had no place to stay in XXXX ) XXXX 

I filed a dispute with Wells Fargo and XXXX  told Wells Fargo that I cancelled the reservation and then they contradicted themselves and told me I used the reservation, neither of which is true, as XXXX XXXX XXXX told me I had no reservation to begin with. Additionally, XXXX suggested that I file a dispute with XXXX or Wells Fargo because XXXX cant help me with the fraudulent charge from the travel agency because it has nothing to do with my stay. To add insult to injury Wells Fargo instead of helping me is charging me finance fees on this fraudulent charge which I have not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report after receiving an inquiry notice and I know I have not applied for any credit. I reached out to the company ; no response. 

Attached you'll find he printed letters I sent to them, the company and the bureaus. I've yet to hear anything from XXXX, XXXX or XXXX on the matter. 

These inquires are effecting my credit and this misinformation is inaccurate. Also, be advised I have no accounts attached to either of these inquires, so I know i didn't make them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX, CA XXXX Attention : Factual Data Credit Department XXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX Dear Factual Data, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Factual Data Made on : XX/XX/XXXX and XX/XX/XXXX Made with : XXXX, XXXX and XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize hard inquiries from CBNA/Best Buy on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax, XXXX, and XXXX regarding the inaccurate addresses, phone numbers, employment and a multitude of other inaccurate information. I have reached out and explained to each of the bureaus about identity theft and fraud that occurred during the pandemic & after. I have faced challenges disputing unauthorized credit cards and car loans opened in my name. Despite me providing proof of their actual address and documentation, the issue persists, and I have promptly reported the fraud and misuse of my credit.
Product: Debt collection

Navy Federal Credit Union has been harassing me by sending me debt collection notices on just about a monthly basis since XXXX of XXXX. They have harm my reputation by reporting negative information about my account to the credit reporting agencies. In these letters they keep sending me they allege I owe them different amounts. According to my XXXX credit report the account was charged off XXXX of XXXX. 

On XX/XX/XXXX I finally had enough of Navy Federal 's abuse of accusing me of owing a debt and their constant harassment of sending me collection notices in the mail. So, I sent them a cease and desist notice via certified mail. They received the notice on the XXXX of XXXX. Navy Federal Credit Union sent a response to my cease and desist notice dated XX/XX/XXXX stating they had receive my notice and that they will cease and desist all communication with me for all accounts. However, they completely ignored my demands for remedy for the violation I cited in my notice to them. I pointed out 4 Fair Debt Collection Practices Act ( FDCPA ) violations they never addressed in their response. I also sent them an invoice for the amount they owe me for the violations they committed. In their response they did not dispute the validity of my invoice. They have 30 days from the date they receive the invoice to dispute it. On the XXXX of XXXX the debt for my invoice will be validated. 

I called the debt collection department at Navy Federal today at XXXX XXXX  and spoke to someone who identified herself as XXXX XXXX. She would not provide me with her ID #. I called to get a status on the demands in my cease and desist notice. She asked what did I want a update on. I told her I wanted to know had you contacted the credit reporting agencies to remove the Navy Federal account off my report. She told me, " no because the account is verified that you owe the debt ''. She also told they could not remove an account off my report. I told her that is not true and that if you can create an account you can remove it. I also asked her about the file I requested. She told me I needed to send them another notice to remove the cease and desist before they could send me my account information. I know what she was telling me was not true. At the beginning of the call she informed me that the call was being recorded. So, there should a recording of her giving me false information. 

I had attached a my notice and their response to this complaint.
Product: Vehicle loan or lease

Around XX/XX/20, my car was stolen, wrecked and impounded. I filed a police report and notified XXXX. On XX/XX/20, XXXX inspected the car. On XX/XX/20, XXXX tried to pick up the car from impound, but it was gone. It had been repossessed by XXXX/Bridgecrest. There has never been a late payment and all payments are up to date. Over the next several days, I made numerous calls to XXXX trying to get the car back. They repeatedly gave me inaccurate and misleading information. The notice of disposition they provided had one amount and set of instructions while they provided a different amount and instructions verbally. They refused to provide accurate written amounts/instructions even though the notice of disposition said I have  a right to a written explanation. On XX/XX/20, I was forced to pay the entire balance of the loan plus repossession fees, so the car wouldn't be sold at auction. They would not give me a receipt for the repossession fees. Also, they are reporting the repossession on my credit report even though it is not a financial issue. I have NEVER missed a payment, all payments are up to date, and the loan is now PAID IN FULL.
Product: Payday loan, title loan, personal loan, or advance loan

I told company I am on social security XXXX I have had XXXX attacks and strokes and my bank account is over drawn because of identity theft and they won't fixed it they expect me pay {$420.00} then pay these loans too
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received this following report from my credit monitoring service from XXXX XXXX XXXX ( XXXX ) sent to Equifax : Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

CLEAR ALERT FLAG ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX  - XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : xxxxxxxxx XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX This is an alleged HELOC that was closed on XX/XX/XXXX when my home was ILLEGALLY Foreclosed on in an Illegal Opposed Auction on that date and yet this FALSE report shows this alleged account to be still open. It was closed upon the above dated auction!!! This company XXXX XXXX XXXX   ( XXXX ) needs to report this account to credit reporting as CLOSED UPON FORECLOSURE ON XX/XX/XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : 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

I have encountered the following issues with the loan servicer : 1. Incorrect Delinquency Reporting : Despite consistently making my payments on time, XXXX XXXX Fund has incorrectly reported my account as delinquent to the credit bureaus. This has caused significant harm to my credit score and caused unnecessary distress. I have reviewed my payment records, and I am certain that all payments were made as agreed.

2. Ignoring Point of Contact : I have made multiple attempts to reach XXXX XXXX XXXX through the designated point of contact, which was provided to me by their customer service. However, my inquiries have either been ignored or left unanswered, causing further frustration and confusion regarding the status of my account. 

XXXX. Failure to Update Account Information : Despite reaching out to XXXX XXXX XXXX to correct the erroneous delinquency reporting and requesting an update to my account information, they have failed to make any changes or provide a satisfactory resolution. I have not received any confirmation that the issue is being addressed or that the inaccurate reporting will be corrected. 

I request that the CFPB assist in resolving the following : XXXX. Immediate correction of the inaccurate delinquency reporting on my credit report.

2. A review of my account to ensure that it accurately reflects my payment history.

3. Contact from XXXX XXXX XXXX to address these issues and provide a resolution, such as compensation for the intentional damaged caused.
Product: Credit card or prepaid card

I had applied for a XXXX credit card with capital one in XXXX, and got approved. They said the card would be sent in around XXXX business days and it was never sent. Few weeks had passed after their promised date and I found time to contact them only around XX/XX/XXXX, since they never contacted me. They said I could try changing the address since the delivery failed and seeing if that would work. I did that and waited another XXXX business days and I contacted them multiple times when again I hadn't received it. And on XXXX XXXX, they tell me the package is lost and they will issue it again. They keep doing this and don't even reach out to check if any delivery has been made, and it's now been over XXXX months since I've ordered the card and not received anything. This affects how I can utlizie my credit and constitutes fraudulent incompetence from Capital One, by not sending the promised credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX  and Transunion that I am an Authorized User on XXXX Card - partial account number XXXX. ( Please see page 10 of the attached credit report. I called XXXX XXXX   and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. The incorrect reporting is harming my credit score.
Product: Debt collection

In the middle of XX/XX/2019, I got a letter saying I owe credit card debt by the XXXX XXXX XXXX in California. This was a XXXX account ( from XXXX ) in the amount of over {$5000.00}. The company that holds the debt is Midland Funding LLC from XXXX. XXXX. I responded by email asking for information regarding debt. I received it later in the month and found it not to be me. I contacted by phone and, told them it was not me and, it was mistaken identity ( different middle name ). Later received a summons trying to collect such debt. It was mailed in a plain envelop with no return address, delivery confirmation and, no prepaid envelop for return as per my county 's procedure in mailing summons. The first response was dated XX/XX/2019, and summons was dated XX/XX/2019. It was sent late, as I received it on XX/XX/2019. It should not have taken that long for a summons to be sent. All letters sent to me by the law firm had my name without the middle initial even though they had that information from the fore mention phone call. Moreover, the credit card bill had a different address in a different state and the middle initial, both are not my own. They are suing in the wrong state. I have now filed such complaint because of all these transgressions.