23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

on XX/XX/XXXX we found out on our bank/checking acct got fraudulent ACH transferred of XXXX. Right afterward, we noticed it is fraudulent, we call the bank to freeze the account, and submit a claim. There were two others fraudulent attempts later on but thankfully the account is frozen. The next date XX/XX/XXXX the acct got charged XXXX dollars and XX/XX/XXXX it was attempting to charge XXXX. We got all the funds back from XXXX and XX/XX/XXXX. However the first fraudulent Ach of XXXX was still under investigation according to bank. I submitted everything they needed and police report. I am having no luck on bank of America replying back to me. XXXX is not a small amount of money and I need the fund for my business to operate. Please help thanks. I have been calling the Bank of America every two days, only thing they reply back are " working on it '', I felt like this is inadequate for a big corporation especially a bank we all trusted.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information reported on my credit file. In these disputes, I identified specific accounts and detailed the violations of my consumer rights. Despite this, over 30 days have passed without a proper response or resolution from your end.

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( b ), it is required that disputed accounts be marked as such, which has not been done. Furthermore, the FCRA 605 ( c ) has been violated as the date of last activity on this account is inaccurately reportedit should reflect the actual last payment date.

Additionally, this account remains unvalidated despite my requests, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) per the FTCs opinion. Copies of all previous correspondence regarding this matter are attached for your reference. 

I demand immediate action to rectify these inaccuracies and violations. Kindly provide me with a corrected credit report reflecting the resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aspen National Collections continued to collect debt and continue to charge fees while in legal dispute with XXXX XXXX XXXX. We have notified them of the legal dispute in process but they continue to collect and charge fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I am trying to start my business, and can't borrow money because these credit people sit in jurisdiction over my life, and continue to report me as a XXXX= XXXX, who is like a XXXX XXXX XXXX. As someone who has never applied for credit anywhere. Not only do I have a loan that I have paid over {$100000.00} for, I have a credit card and a car note, but they keep displaying my credit score as XXXX XXXX, and it is ruining my life plans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian Consumer Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Sham Investigations and Reinserted Inaccurate Information Dear Sir/Madam, I am writing to formally dispute the handling of my credit report by Experian, following the recent allegations filed by the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX According to the CFPB 's lawsuit, Experian has been involved in conducting " sham investigations '' when consumers disputed errors on their credit reports, which contradicts the reasonable investigation standards outlined by the Fair Credit Reporting Act ( FCRA ). 

I am deeply concerned that my own credit report may have been mishandled in a similar manner, and that inaccurate information may have been either reinserted or left unaddressed as a result of inadequate investigations.

In light of this, I am requesting that Experian : Reinvestigate all inaccuracies on my credit report with the appropriate due diligence required under the FCRA. Any outdated or incorrect information must be corrected in accordance with the law.

Provide a full, written explanation of the results of any past investigations into disputes I have filed, including details of the methods used in verifying the accuracy of the reported information.

Remove any inaccurate or incomplete information that may have been wrongfully reinserted after being successfully disputed in previous investigations. 
I trust Experian will handle my dispute in full compliance with the Fair Credit Reporting Act and will ensure that any errors are resolved swiftly and accurately. Please confirm receipt of this letter and provide me with a detailed response outlining the steps taken to investigate and correct any issues related to my credit report. 

Thank you for your attention to this matter. I expect a prompt resolution, and I look forward to your response within the timeframes prescribed by the FCRA. 

Sincerely, XXXX XXXX XX/XX/XXXX Last XXXX SS # XXXX [ Your Experian Report Reference Number # XXXX
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FREEDOM MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion and XXXX for the unauthorized reinsertion of accounts on my credit report. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) -1, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ).

Summary of the Situation : Despite previous disputes and clear communication indicating that the student loan accounts reported by XXXX were unauthorized and fraudulent, these accounts have been reinserted onto my credit report by TransUnion. I have no contract, agreement, or authorization with XXXX for any student loans. The continuous reporting of these accounts by XXXX is damaging my credit and is in violation of my rights. 

Violations and Concerns : Reinsertion without Proper Notification : Under 15 U.S.C. 1681i ( a ) -1, if a previously disputed item is reinserted into a credit report, the credit reporting agency must provide notice to the consumer within five business days. TransUnion failed to notify me of the reinsertion of these accounts, violating this provision. 

Failure to Provide Evidence : As per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), any reinserted information must be verified as accurate. XXXX has not provided any documentation proving my consent to these loans or my agreement to any contractual terms with them or the U.S. Department of Education. Without proper verification, the reinsertion is unlawful. 

Aggravated Identity Theft : The unauthorized use of my personal information by XXXX constitutes Aggravated Identity Theft under 18 U.S.C. 1028A. XXXX continues to report these accounts without providing proof of my authorization or consent, further violating my rights. 

Violation of Permissible Purpose Requirements : According to 15 U.S.C. 1681b, information can only be furnished if there is a permissible purpose. Since I did not authorize these loans, XXXX has no permissible purpose to report them. 

Demands : Immediate removal of the unauthorized XXXX accounts from my TransUnion credit report. 

Written confirmation from TransUnion and XXXX verifying the removal of these accounts. 

Documentation from XXXX proving my consent or authorization for the creation and reporting of these accounts. If such documentation can not be provided, acknowledgment that these accounts are unauthorized.

Investigation into Nelnets reporting practices and potential criminal liability under 18 U.S.C. 1028A.

Should this issue not be resolved promptly, I will pursue all available legal remedies, including filing complaints with the Attorney Generals Office and seeking redress through legal channels.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a item on my credit report, for sometime my latest dispute was sent a XX/XX/2018. The credit agency equifax is the agency that sent the results of my dispute it was dated XX/XX/2018. I mailed the dispute on XX/XX/2018. I received the result of the dispute a day after XXXX, Which is more than 30 days, this is false information on my credit report that is said to be accurate which is false, the account number of the dispute is XXXX, XXXX/XXXX. The credit agency XXXX  updated the information as paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against XXXX and XXXX for Negligent Noncompliance Under 15 U.S. Code 1681o To Whom It May Concern, I am submitting this formal complaint regarding XXXX and XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, for negligent noncompliance. My complaint involves the inaccurate reporting and mishandling of disputes related to the following accounts : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : Closed on XX/XX/XXXX Creditor Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite submitting evidence and formal disputes, both credit reporting agencies have failed to conduct proper investigations into the accuracy of these accounts, resulting in continued harm to my credit profile. 

XXXX XXXX for XXXX XXXX XXXX : Dispute ID : XXXX Submitted to XXXX : XX/XX/XXXX In Review : XX/XX/XXXX Resolved ( Denied ) : XX/XX/XXXX Despite providing XXXX with additional information to verify the inaccuracy of the XXXX XXXX XXXX account, the dispute was denied without a thorough explanation or adequate documentation. XXXX similarly failed to verify the accuracy of the XXXX XXXX account, resulting in continued damage to my creditworthiness. 

Impact of Negligence : XXXX. Harm to my XXXX XXXX, which has prevented me from qualifying for a mortgage to provide stable housing for my family. 
XXXX. Financial hardship and emotional distress, as I have been unjustly penalized due to the negligent noncompliance of these credit reporting agencies. 

Requested Actions : I request the CFPB take the following actions to address these issues : XXXX. Investigate XXXX and XXXX handling of my disputes to determine whether they violated the FCRA by failing to conduct reasonable investigations. 
XXXX. Require both agencies to provide detailed documentation of their dispute investigation processes, including the evidence used to verify the accuracy of the XXXX XXXX and XXXX XXXX XXXX accounts.

3. Order the removal of any inaccurate or unverifiable information related to the above accounts from my credit reports. 

The failure of XXXX and XXXX to comply with federal regulations has caused significant harm to my financial stability and well-being. I trust that the CFPB will take appropriate action to hold these agencies accountable and protect consumers like me. 

Thank you for your attention to this matter. Please contact me if additional information is required. 

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

My complaint is against BEST BUY/CBNA, account info : BESTBUY CBNA ac # : XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX, date open XXXX, balance {$0.00}. Back in XXXX the mentioned company mark my account with a XXXX late payment for a {$40.00} annual fee which I didnt even know I had to pay and in any case that annual fee was supposed to be paid automatically. I see this as an unfair business practice from the mentioned company and I want the late payment to be removed as soon as possible. I found out about this issue when my mortgage company has on hold a {$300000.00} home loan which they dont want to approve until this account has been corrected. I already gave a {$10000.00} deposit for the property. Im asking in a respectful and reasonable way to please remove that late payment for an annual fee from my reports as soon as possible. In the event that this does not happen I will take legal action on this issue.
Product: Mortgage

I have been having serious ongoing issues with PNCs method of accounting of my mortgage account. PNC Bank is not transparent. PNC has been using a technique of fancy math accounting in order to take my money. 

On XX/XX/XXXX, I received a response email from PNC representative, XXXX XXXX. I asked for the negative escrow balance. He stated that my negative balance is {$8100.00}. This balance is incorrect. I then received this dismissive response Great! I will be putting together the letter and have it reviewed to be submitted to the CFPB. The regulatory due date for this submission is XX/XX/XXXX, if the review is not complete by then regulatory allows an additional 45 days. Once it is complete it will be uploaded for you to review. 

Based on my calculated math, I owe PNC Bank a total of {$5000.00}. Total Negative Escrow balance ( created by inept PNC and confirmed by PNC in prior email ( {$9500.00} - Total Escrow Shortage ( and credits ) Paid and On AMs Account Negative Balance Remaining ( {$4400.00} = {$5000.00} ( negative balance remaining ). 

Short Summary Of Ongoing Problems/Issues With PNC Bank PNC Bank neglected my escrow account. As a result of this PNC Bank hurriedly paid my XXXX XXXX quarter property taxes in the amount of {$8000.00}. PNC paid this amount in order not to lose its security interest in my property. 

On XXXX, XX/XX/XXXX, I received a delinquent tax notice from the XXXX XXXX XXXX XXXX XXXX Collector stating delinquency for taxes and late charges in the amount of {$1700.00}. 

On XX/XX/XXXX, as email instructed by PNC, I started to pay {$200.00} ( escrow shortage ) of which I paid {$200.00} for XXXX  months ( XX/XX/XXXX to XX/XX/XXXX ). 

In XXXX of XXXX, I received an email from XXXX XXXX of PNC Bank with two options of repayment of escrow shortage : {$200.00} or {$180.00}. I choose {$180.00} as the impact caused on my finances because of PNCs negligence was and is causing me deep distress. I started escrow shortage payment of {$180.00} on XX/XX/XXXX ( see email confirmation from XXXX XXXX at PNC Bank. I have paid {$180.00} to PNC Bank every month. 

Can you help? I can not get a straight answer out of them. I need to pay off balance and get rid of this bank. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I submitted a complaint through the CFPB ( complaint # XXXX ) requested that Experian conduct an investigation on an account XXXX XXXX  which appears in my Experian Credit file. As Per 1681 ( I ) ( a ) ( 1 ) ( a ), any dispute investigations must be completed with action taken before the expiration of 30 days of when the dispute was received. Experian did fail to complete and make timely notification of the results of this investigation as required by law. As of XX/XX/2023 Experian has not responded or provided notification that this investigation was completed which is past the 30 day period.
Product: Debt collection

I was forced to use XXXX on three different occasions. On one trip, I was forced to take the even though it was only a 5 minute ride to another campus of the hospital and I had someone there to drive me. Another time, I was charged over {$3000.00} for a ride to another hospital when I didn't request it. It's not my fault that XXXX hospital was full and they had to transfer me. Why should I pay for that? I'm a XXXX  Vet with XXXX issues and expected to go to the hospital in my city for these emergencies. I had insurance during this time and these bills were paid by my insurance company. This company is scamming the system and overbilled, charged waaayyy more than necessary, and never even contacted me by phone or let me know it was going to collections. I never received any collection letters or calls. Only invoices. It went from service on XX/XX/XXXX to NEGATIVE REPORTING ON CREDIT REPORTS ON XX/XX/XXXX with no warning in between. I have been on XXXX for my issues, so clearly I don't have the thousands of dollars they are requesting. Also, now I am sick with XXXX  and was about to apply for a loan to take care of my family when I see that they put THREE collections on my credit reports during a time when the governor requested a moratorium on such actions from XX/XX/XXXX-XX/XX/XXXX + maybe longer. They were so spiteful, they put it on my credit reports in the middle of a crisis, on XX/XX/XXXX. I want the negative info. removed from ALL of my credit reports ASAP or I will be seeing a lawyer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. 

Navy Federal Credit Union 's ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate.

Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the discharged debt. Under the FCRA laws, this discharge of debt should be reflected in the credit report accurately. Navy Federal Credit Union 's reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605.

In light of the aforementioned violations, I demand that Navy Federal Credit Union take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account.

2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C.

3. Either reporting an accurate {$0.00} balance or removing the accounts completely from my credit report in line with FCRA regulations.

Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws.

I expect a prompt response acknowledging receipt of this complaint and detailing the steps Navy Federal Credit Union will take to rectify the inaccuracies on my credit report. 

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

Westlake Financial Services has been inaccurately reporting to my credit report and causing me duress. XXXX of XXXX, Westlake Financial Services added remarks to my account that the XXXX XXXX XXXX was repossessed however the XXXX XXXX XXXX still remains in my possession and my account is in good standing, it has not been repossessed. Because of their negligence and the inaccurate remarks added to my credit report my credit score has been severely impacted.
Product: Credit card

I recently applied for a Citibank double cash rewards credit card. They stated the apr ranges from 12.99 up to 24.99 based on your credit score. My credit score was very high. They approved my application and gave me an apr of 15.99. I was confused as to why I did not get the 12.99 score, considering my credit fico score was so good. I talked with management and they refused to tell my why it how this apr is determined. I feel this is fraudulent to advertise This low apt if 12.99 if you ca n't tell a consumer who is eligible for this and what the parameters are for determining the apr.
Product: Credit reporting or other personal consumer reports

My credit report contains information with consistent inaccuracy. I believe these are wrongfully listed or added on my report and I need it removed.