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

I filed a dispute with Transunion, XXXX and XXXX, credit reporting agency, I have paid off XXXX XXXX - account number - XXXX XXXX XXXX XXXX which was paid off in the amount of XXXX on XX/XX/XXXX. Transunion, has responded back to stating that the Dispute that I filed was inaccurate and the credit reporting is correct. 

This is not correct as this is paid in full with XXXX XXXX. This is a prime example of the reporting agency not really following up with your dispute request when consurmer are filing a dispute. 

Please update my credit file for this creditor. This is paid in full. Please see the attached paid in full letter and update my credit file for all agencies. 

XXXX XXXX XXXX XXXX XXXX
Product: Student loan

keep increasing my interest rate!!! as I continually pay off my loans Like they know I'm getting rid of the loan so now they want to increase the interest rate through the roof to maximize their profits.
Product: Credit card or prepaid card

They said that it was for my protection when I called and claim. I am in the process of moving from XXXX and I am seeking for an apartment. I lost my bank card in XXXX and I requested a new card and after I received it, I lost it again. Therefore, I request another one and when I went to use it then it was blocked. I asked if I can get it activated so they requested the id picture that I already faxed to them and so did a case manager and yet they gave me a hard time getting my XXXX card from XXXX XXXX. They keep telling me that they have not received what case manager claims to fax and what I have email confirmation of sending. I need to use my telephone and have no service due to the matter and other inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I applied for a Mortgage to purchase a new home. Upon receiving a copy of my Credit Report, I noticed that I was being listed in Collections from a company named XXXX XXXX, from an old XXXX account. I contacted XXXX XXXX and informed them that I had NO KNOWLEDGE of this outstanding debt with XXXX or XXXX  XXXX. Because I had never previously opened an account with XXXX XXXX XXXX. On XX/XX/XXXX I sent XXXX XXXX a DEBT VALIDATION REQUEST via Certified Mail. This Request pursuant to The Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Stating that I am disputing this claim and Validation is required. This request allows a company 30 days to respond. They have not responded to date. XXXX XXXX ( XXXX ) days later ( See Enclosed ) Since XX/XX/XXXX, I have done everything humanly possible to get this company to remove this Fraudulent Account from my credit file. I have called them numerous time. and getting through is a task within itself. Minimum wait XX/XX/XXXX minutes. ( See Enclosed Screenshots ) I have filed a complaint with Identity Theft .Gov. In XX/XX/XXXX, I have also Filed A Police Report ( See Enclosed ) This Fraudulent account on my credit file has caused me nothing but grief. I am being penalized for a debt that I did not incur.
Product: Credit reporting or other personal consumer reports

I have dispute late payment and amount of my XXXX XXXX XXXX XXXX, car payment. I still see missing payments and late payments that are not accurate. Account number XXXX - XXXX is {$2800.00} and late payment from XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Current balance with XXXX XXXX XXXX XXXX is {$1500.00} in which my last payment is due XX/XX/XXXX as you can see with paying {$330.00} a month on my car will be paid off before XX/XX/XXXX. 

Missing payments form XXXX, XX/XX/XXXX, XX/XX/XXXX, I see no payment for that month. 
Need to be updated as current Amount owed is {$1500.00} not {$2800.00} ( {$1300.00} difference ) Updated my account as current and not late from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The information currently being reported is not in compliance with the Fair Credit Reporting Act ( FCRA ) guidelines, and it fails to meet the standard of maximum possible accuracy.
Product: Payday loan, title loan, or personal loan

I worked with XXXX and the debt collector my account was sent to ( national credit adjuster ). But my complaint isnt about them but about a call from a number who refused to all identify their self. The number is XXXX ( XXXX ) XXXX. They said theyd have to collect upwards of XXXX bucks and if i didnt comply then i can be sued by XXXX and have lien placed on my vehicle. Luckily, I am diligent enough to do research before making any payments and I called XXXX which directed me to National Credit adjuster, who i made arrangements with for payment. They did inform me that it might have been an attempt to scam me. I am not sure if this process is the way to go, but I dont want any being defrauded by crooks like this.
Product: Credit card or prepaid card

I have had my American Express card since XXXX. It has always been set up on autopay and i have never missed a payment on this or any other credit account i have ever had. Apparently in XXXX there was a problem with the autopay and for some reason the account has been marked as 30 days late on my credit reports. Causing my excellent credit rating of 800+ to drop well over 100+ points! I am very disappointed and can not have this negative remark on my excellent credit file. I am requesting that since i have always been a on time paying member to American Express and that i had no idea the account payment didnt go through that they remove the late payment reported in XX/XX/XXXX.
Product: Debt collection

I sent multiple letter to the creditor asking for verification that this debt belongs to me and they never responded.
Product: Mortgage

I filed a complaint with CFPB on XX/XX/XXXX about Select portfolio servicing applying a duplicate deferral to my account last year! 
I explicitly mentioned that I have a reverse mortgage, waiting to close escrow and asked them to please expedite the removal along with interest that its been incurred for the last year! 
Select portfolio servicing is a mortgage servicer, They received the response immediately as they notified me of so. However, I got this email today that they need more time! I have intentionally not made my payments because Im trying to get this cleared up with Select portfolio servicing and they are detaining it intentionally so that they can file default before my loan closes!! It should not take a corporation, such as Select portfolio servicing more than XXXX weeks to clear the issue! 

This companys books need investigated. Theres no reason why they should not have replied in a timely manner.
Product: Debt collection

Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation XXXX Letter sent to : XXXX XXXX  To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { XXXX XXXX  }. I have received a response that clearly violates my rights according to HIPAA. { XXXX XXXX } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX  } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act.
Product: Checking or savings account

XXXX tried linking my pnc checking account to XXXX to invest. XXXX says pnc made a change preventing me from linking my account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transaction was 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 initially available funds. I believe this practices are unfair and request an investigation to my account transactions.
Product: Credit reporting or other personal consumer reports

I called Transunion to get my credit report on XX/XX/2023, and after receiving it, I noticed some hard inquiries do not have a permissible purpose according to 15 USC 1681b. I also attached my credit report and a letter showing that XXXX is violating the FCRA.
Product: Credit card

In XXXXXXXX XXXX XXXX XXXX, I became involved in an employment scam with a company out of XXXX XXXX called XXXX XXXX XXXX XXXX. As a result of this 'employment ', XXXX XXXX XXXX sent me Bank account information ( bank name, routing number, and account number ) and indicated that they had added me as a cosignee. I was directed to use the automated payment system for my personal credit cards ( XXXX, XXXX XXXX XXXXXXXX and Citibank ) and transfer money from the account to my credit cards. I was then directed to make specific purchases of an equivalent amount at a number of different retail locations, take the product to a XXXX XXXXXXXX store, where it was shipped to XXXX XXXX. After about XXXX XXXX of this type of activity, I told XXXX XXXX XXXX that I would no longer post any more payments to my credit card as they had nor fulfilled the terms of the employment agreement. Shortly thereafter, I began to receive chargebacks of every single transfer, the oldest of which was 60 days old. I immediately contacted my banks, as well as XXXX, in order to inform them of this fraud. I also called XXXX XXXX, as most of the transfers originated from them. I was eventually able to get in touch with a gentleman named XXXX in their fraud department, who told me that there were several accounts from the same account holder that had been closed due to identity theft, and that an external investigation had already been started. He would give me no further detail. The position that XXXX, Citi, and XXXX XXXX XXXXXXXX took was that I needed to work this out with XXXX, and that as far as they were concerned, I owed them the money. This has left my credit score in shambles, caused me extreme stress, and will likely force me into XXXX. I have kept every email, receipt, and letter involved in this matter and offered it to XXXX and they seemed disinterested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX x2 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Debt collection

I never signed a contract with this company. I have reached out directly to this company numerous times as well as the three major credit bureaus asking them to provide VERIFIABLE PROOF THAT THIS IS MY DEBT. They have been ignoring my letters which is grounds for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this items and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this items ASAP. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXBankruptcy XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Product: Checking or savings account

I havent been able to log into my account online and I urgently need to do personal financial transactions and Im not able to. I called them today and tried to verify my identity and they still dont accept it by verifying my cell number or anything else. They said there was some fraud and I know nothing about it. I need to do financial transactions now and Im not able to and I want to make a complaint against citi bank. Can you help me? Thank you
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX
Product: Bank account or service

My savings account went from {$42000.00} to XXXX in 60 days. I do n't know what happened. 
I went paperless with my bank statements about 6 months ago, and logging into my account, is usually a nightmare because of my password-for some reason, I ca n't remember it or WIFI is down and life happens and I end up not checking my statements. If I do need money from my savings, I always use my bank ATM or my mobile phone. All the unauthorized transfers come from a strange ATM, which my Bank additionally charged me banking fees for. Why would I use a strange ATM when I can do it for free on my phone? I usually transfer a large sum at once because I want to ultimately not spend this savings & invest for my future, however after a 5 year high conflict divorce with a XXXX criminal, I am very cash poor & have debts. The unauthorized transfers are done in slow, daily increments of $ XXXX {$1000.00}. I really think my bank should have contacted me to verify if there was fraud based on the irregular transfer activity. When I phoned to make the dispute, CHASE REP was very re-assuring. Then three days later a REP contacted me, in a very smug disposition, over the phone & denied my claim based on the fact I apparently checked my balance on my XXXX/XXXX/15. I may have, but this inquiry did not detail the transfers in question -- only my balance. All I do know is CHASE has had a data breach. I was also a victim of XXXX data breach. This is a high-tech cyber crime and my bank has provided no documentation on how they reached their decision despite my phone request for such evidence. The denied the claim by Monday after submitting my dispute on late Thursday. I think the only law my bank knows they have to abide by is resolving the dispute within 10-45 days. So they just deny and provide no evidence? I asked for additional dispute claim for the period after my " inquiry '' on XXXX. The Claims REP said it would be denied immediately. No evidence was ever provided to me, they did send me a letter, which was a joke! Chase is denying the claim dispute for transactions from XXXX, but fails to provide any written evidence for the full claim dispute despite my request for XXXX claim investigations to be fully documented on evidence once their decision was made. Please help me. I am wiped out. I was divorced after 15 years of marriage to a crook who stole our home 's equity by triple mortgaging it, he paid bills with credit cards and made our finances appear equal with debts/assets. He placed the house title in his name & took XXXX hidden mortgages out on the home. I learned this on my own while divorcing him. My savior was my grandmother who passed away two years ago & left me this money to help me stand on me feet again. Now I am probably going to be homeless within a year. Please help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my XXXX XXXX and notice hard inquiry that should not be there. I have never open credit card with these company. CBNA/THD its affecting my credit. I tried reaching out to them and no luck. I want dispute these.
Product: Credit card

On XXXX I send a request letter to Comenity for a copy of original agreement, I received no response. Plus the bureaus report one month of payment history, I believe this is wrong.
Product: Credit reporting or other personal consumer reports

The reported late payments on this account are inaccurate and fraudulent, as they are the direct result of identity theft and data breaches. This correspondence serves as a notice under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must block the reporting of information that is the result of identity theft, upon receipt of appropriate proof. Additionally, I invoke my rights under the following FCRA provisions : 1. FCRA Section 605 ( a ) - It is the responsibility of credit reporting agencies to ensure maximum accuracy of the information they report. The inclusion of late payments caused by identity theft and data breaches violates this section. 2. FCRA Section 611 ( a ) ( 1 ) ( A ) - Under this section, I demand an immediate investigation into this matter and the removal or correction of the inaccurate information within 30 days. 3. FCRA Section 623 ( a ) ( 5 ) - This requires furnishers of information to investigate disputed data thoroughly. If the creditor can not provide concrete evidence that the late payments are legitimate and not the result of identity theft, they are obligated to cease reporting this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DISPUTE OF CREDIT INQUIRIES- XXXX XXXX XXXX  RE : DISPUTE OF PERSONAL INFORMATION - XXXX XXXX XXXX Dear EXPERIAN , This correspondence serves as an official request under Section 1681i of the Fair Credit Reporting Act ( FCRA ), Title 15, U.S. Code , and Section 2701 of the Electronic Communications Privacy Act ( ECPA ) regarding disputes related to credit inquiries made by EXPERIAN on XXXX XXXX XXXX XXXX credit report. We would like to bring to your attention multiple hard and soft inquiries. The USC Code that relates to fraudulent inquiries is Title 15, Chapter 95, Subchapter VI, Section, Section 1681s ( c ) of the Fair Credit Reporting Act, which states that a consumer reporting agency shall not furnish information about to any person if the consumer 's file contains any statement that such person has not furnished the information to the consumer 's knowledge and consent. Additionally, the UCC prohibits any person from knowingly and willfully obtaining or using false or misleading information for any fraudulent purpose. So, in summary, we request you to investigate any suspected fraudulent inquiries made on XXXX XXXX 's credit report and take appropriate action against the parties responsible. Also, ensure that all inaccurate and fraudulent information is removed from his credit report and that appropriate steps are taken to prevent such occurrences in the future. Thank you for your prompt attention to this matter. 

List of EXPERIAN inquiries that needs to be removed : 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 Date of birth XXXX XXXX XXXX XXXX XXXX XXXX PRIVACY LAW OF 1974 States that The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 
Sincerely, XXXX XXXX