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

In 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 and 15 USC 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692 designed to eliminate abusive, deceptive, and unfair debt collection practices. In addition, the federal law ( 15 U.S.C. 1692 et seq. ) protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers from abuses in debt collection.
Product: Credit card or prepaid card

The account in question is a joint account opened in XXXX by me and my ex-wife. We are now divorced with a signed divorce agreement signed by both parties and filed on XX/XX/XXXX. The court reviewed and judge signed agreement that filed it on XX/XX/XXXX. In that agreement, in the debts and liabilities section, it clearly states that any joint accounts should not be used if they have not been closed. Also, that no charges can be made on the accounts, no late payments, nothing that would affect the other person 's credit, and that all liability/debts for the other person on joint accounts is waived. 

This agreement was violated by my ex-wife. I was instructed that I was not a user on the account anymore at the time of the agreement. I also/still have no access to the account or any credit cards for that account. She is the primary user, and I am a secondary user. There were two charges made by her on XX/XX/XXXX ( {$1600.00} ) and XX/XX/XXXX ( {$450.00} ). After that, there were 4 consecutive missed payments starting in XX/XX/XXXX which caused the account to be delinquent and also close with a balance of {$2300.00}. Because I am a secondary user on the account, my credit has been impacted with the 4 missed payments and a delinquent account. I am not liable for this account or debt as of XX/XX/XXXX. 

I have contacted the company in attempt to remove myself from the account but was instructed I can not since the account has been closed and move to the collections department. I also asked how I could be removed from having accountability or to retroactively apply the correction to the account to remove this from my credit reports. Next, I filed disputes with the 3 credit bureaus. The reports came back with nothing being changed because the company stated to the bureau that the account was opened in XXXX with me as a user. They never asked or offered a method for me to provide the divorce agreement that states I am no longer liable from before these purchases were made without my knowledge/consent and that my ex-wife is in violation of the court ordered agreement.
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 sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have repeatedly attempted to dispute. A XXXX XXXX closed account off my report. I have attempted to send letters through the mail going to XXXX, but were unfortunately returned back to me. XXXX XXXX  has been reporting false information on my account for a couple years. I sorted the problem out with XXXX and they professionally took it off and got The problem solved. On the other hand, XXXX  and Equifax have both sided with the creditor, XXXX XXXX. They have reported multiple information sections, wrong, and misleading, comparing to other credit Reporting agencies. I have mailed them consistent letters about four times stating that they have 30 days To remove all this in accurate information or I will have to report them to this bureau. They have not changed it. In fact, as of right now, the recent change has been that they called the creditor and attempted to get the right information to put on the report. As I explained to them on paper with proof of me mailing it out and the Piece of mail itself, They have 30 days to REMOVE The information not replace the information. It has been taking a huge derogatory mark on my report for a long time. I demand you look into this and highly appreciate it as this is an serious investigation. This is not uncommon throughout the public unfortunately. Below are all documents showing ( XXXX ) equifax report as of XXXX, XXXX XXXX, was closed XX/XX/XXXX while XXXX XXXX most recent update it provided me stated ( XXXX ) was a bad debt and changed by grantor which is still labeled wrong somehow. This is improper reporting practices and not professional or trustworthy for a consumer reporting agency to be doing this. If you need any documentation, feel free to email me or call me and I will immediately send that over. Thank you, and God bless, and I look forward to the response.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 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 Balance : {$17000.00} ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XXXX XXXX ( Original Creditor  : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is my second complaint for the same problem. I received text messages and phone calls in a hurry on XXXX  from XXXX saying they were from Amercian Express Serve. He could see my transactions and said I was hacked by someone in Florida spending {$75.00} on a XXXX gift card. MY ACCOUNT was then immediately frozen. NO ONE AT SERVE will speak to me, because they say my social security number doesn't match, the hackers tried changing my address. These people had been messaging me from this number saying another card was being processed and sent. The first time it was sent back by XXXX because they could not guarantee fast delivery. THEN it was coming on XXXX but never came because my address was wrong in the system but it WAS NOT because they said in the message it was being sent to the address beginniIng with XXXX XXXX XXXX XXXX then the third one was in the mail, then finally I received a message saying my account was closed for security purposes. THEN several hours later I received a message saying that in conclusion a check was being mailed. {$2400.00} HAS BEEN STOLEN and I can not GET ANY HELP FROM AMERICAN EXPRESS SERVE!!! The phone number XXXX HAS BEEN DISCONNECTED!!!!!! I need MY money. My entire account seems to have been hacked and stolen. There is ZERO customer service to speak to at American Express Serve. PLEASE HELP ME!!!!!!!!! I was also asked if I was expecting a Direct deposit into my account and I told them no, and asked why that would matter. I said I had to change my XXXX with my employer and was going into a different account. They then had the audacity to a
Product: Checking or savings account

I started my account in XX/XX/2022. I was trying to see if I qualify for the settlement for something that happened between XXXX.
Product: Debt collection

I do not owe debt that is trying to be collected. I have already paid my medical provider, the payment has cleared, and I have received confirmation from them and my insurance provider that the debt is paid. I was sent to collections by error.
Product: Credit reporting or other personal consumer reports

Expperian is the only one that I have been able to work with. Most is ID theft but I can not know on a few things still not resolved. The two phone numbers that I just removed one was mine but I had a lot of issues so even trying to port it from XXXX to another carrier because it would not come in in the area the XXXX XXXX before new carrier it was fine at XXXX XXXX XXXX but it was not able to be ported. I did try to in XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX zip code is not correct but the whole residential part is the same XXXX XXXX, XXXX XXXX, and present XXXX all XXXX. 
Again on XXXX XXXX XXXX central square terrace it never belonged to me. The mail was not the same as the apartment also noticed XXXX residence which I never lived. The other telephone number I do not remember ever having. So I did start to correct the report but it is still unclear. I did have a post office box in XXXX XXXX  but I cant know which one it is. I otherwise while in the area had resident type mailbox outside. I have been looking for the XXXX XXXX XXXX XXXX. Under given name. I actually had an apartment in a different city but they apparently used the same post office. If the XXXX XXXX XXXX XXXX is ID theft. I did follow experian to come here. I am still trying to correct what I know is not accurate or may not belong to me or Could not fix. But above I am as best I can know did have at least one phone number that I had could not afford all and at the time adding a {$500.00} phone so it should have ported. Something didnt work. I couldnt save it if it was my number. I am not sure if it even was the same number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an online payment on my mortgage account with Provident Funding on Friday, XX/XX/2018 at XXXX XXXX.. The payment was made prior to being 30 days late. Provident Funding has posted a 30 day late payment on my credit report with all 3 credit bureaus. Provident Funding is responsible for reporting accurate information to the credit bureaus. I have an email from XXXX showing the receipt of the payment on XX/XX/2018 at XXXX XXXX.. I have tried to have them agree to correct and report the information accurately and they have refused. I have never been late on a payment in my life.
Product: Debt collection

Date disputed:XXXX Amount : {$700.00} Dispute was denied on same date.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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, states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No Consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On XX/XX/XXXX, I submitted to the CFPB claim XXXX. In this claim, I reported that Lending Club had proceeded to ACH debit my checking account despite rescinding authorization to do so. On that same call with Lending Club on XX/XX/XXXX, and on previous calls, I requested information regarding COVID relief for payment delay or changes. I was told by the associate and her supervisor that no such options were available through Lending Club. On XX/XX/XXXX, I called Lending Club again to request information on options for changing payment amounts or delaying payments. On this call, the associate said that yes, it was possible to change payment schedules and offered several different options.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX and Transunion regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

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

In XXXX and XXXX, I filed a disputes with this consumer Credit reporting agency about the unverified collection account of XXXX XXXX Account # XXXX. In these months I have tried multiple attempts for validation of this unverified account with these credit reporting agencies. The Fair Credit Reporting Act states that they must verify this account or delete it from my credit report and they have not verified and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this credit reporting company as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX, Transunion, and XXXX  Thank you for sending me your internal records of the debt ( XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards me and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY LEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX/XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX/XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a credit inquiry on my record by a company name XXXX on the date of XX/XX/2017 I have never had an account with this company neither do I know who place this inquiry. 
I contacted the credit bureau Equifax and told them to remove this inquiry and they're refusing to remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My sister and I were on a FHA loan. We decided to sell the home and requested our loan servicer ( XXXX  ) to place us in forbearance during that process. They agreed, and the loan was approved for forbearance for XXXX, XXXX, and XXXX of 2024. When XXXX came and the home still wasnt sold we asked if we needed to pay the entire amount due or if what was owed could be placed at the back of the loan, so that we could start fresh with XXXX payment. We were approved and placed in a trial program ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which was to start XX/XX/year>. We never missed a payment and were never late. We sold the home XX/XX/year>. While in the trial program, the loan was transferred to a new loan servicer ( XXXX XXXX  ). On my credit report the mortgage loan reports as XXXX  days late, which is inaccurate. An approved forbearance can not be reported as XXXX  days late and, while in the trial program we were never late. I disputed this inaccuracy with all XXXX Bureaus and the information has not been updated to reflect accurate information. Due to this error, I can not buy a home now or in the near future and am forced to rent a home for my family. I have attached the proof of XXXX  and XXXX XXXX. I provided this same proof to the Bureas.
Product: Mortgage

WELLS Fargo did not credit my escrow acct. with {$3200.00} in XXXX and over charged me over {$1400.00} from XXXX XXXX XXXX And after XXXX calls and hours on hold and trying to get anyone to look into the issue all they did was nothing.
Product: Credit reporting

EXPERIAN / XXXX / XXXX XXXX ALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORTING FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. ALL ACCOUNTS REPORTED ON EXPERIAN / XXXX / XXXX XXXX SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$1400.00}, XXXX  XXXX Bankruptcy Discharged XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has nothing on my credit report so my credit from them is the lowest than XXXX or Equifax. Equifax doesn't have anything on my credit report. The only credit report company that has updated information is XXXX. Due to XXXX and Equifax, I get denied for even a small loan of {$500.00}. I can't even get an apartment due to XXXX and Equifax being incorrect.