23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN- XXXX Phone - XXXX DOB- XX/XX/XXXX Email - XXXX Inquiries that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of obtaining a loan in order to buy a house. Per my mortgage company, they are unable to access my third credit score and suggested I contact Equifax to fix the problem. On XX/XX/2021 I spoke to an Equifax representative and was asked to provide both my social security card and driver 's license so my identify could be validated. On XX/XX/2021 I faxed these documents to Equifax. On XX/XX/2021 I spoke to my mortgage company and was told that my third credit score was still inaccessible. That same night I called Equifax and told them about my problem and was met with the same response : provide your social security card and driver 's license. I explained to the representative that I have already done this once so he suggested that I do it again and include my e-mail address in the cover letter so they could notify me once the documents were received and the problem was corrected. On XX/XX/2021 I faxed the documents to Equifax for a second time. On XX/XX/2021 both myself and my mortgage loan officer called Equifax together to see if the problem was rectified, but we were told the same thing ( provide the documents ). That night we spent 3 hours on the phone but kept getting told the same thing even though we explained that I already provided the documents twice ; we even got hung up on a couple of times. On XX/XX/2021 both myself and my mortgage loan officer called Equifax once again and we were still told to provide the necessary documents. We requested to speak to a supervisor and once we were connected, I was told that my mortgage loan officer was not permitted to stay on the line despite me wanting her on the call. I explained to the Equifax supervisor all of the trouble I have been encountering and he suggested that I fax over the documents again but to a new fax number. I asked him how I would know the problem was taken care of as I keep getting told that if I fax the documents, my problem would be resolved. He told me that the fax number he provided is to the highest department and that my request would be expedited. I was also told that my request would be processed and completed within 24 to 48 hours. That same day ( XX/XX/2021 ) I faxed both my social security card and driver 's license for a third time to Equifax, but to the new number the supervisor suggested. My mortgage loan officer also urged me to mail a hard copy of these documents just in case and this will be completed on XX/XX/2021 via certified mail.
Product: Credit reporting or other personal consumer reports

My pocket book was stolen a while back and whomever stole my wallet had access to all of my personal information. My social security card, debit cards etc. I recently checked my credit report because I begin to receive offer letters to resolve lines of credit I never obtained. Please remove these fraudulent accounts from my credit report. The Federal trade commission is aware of these acts. I have a report from them.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Checking or savings account

I am writing to file a complain 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 lagging posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Mortgage

Recently I received a document from Wells Fargo dated XX/XX/XXXX. On page two last paragraph Wells Fargo allowed an unauthorized 3rd party to speak on my behalf and make payment assistance options without me as the homeowner giving permission or signing consent which is a direct violation of my homeowner rights. Also in the same document Wells Fargo mentioned the reason they denied my modification was because they never received all of the necessary documents from loan lawyers. However on another email sent to me by XXXX XXXX  which are their attorneys mentions that the reason I was denied modification is because my loan is 3+ years delinquent with a credit decision post from XX/XX/XXXX. I wasnt in the house in XXXX, in fact I didnt purchase my property until XX/XX/XXXX. I have never received assistance, and I have never received a modification for my property. This is another clear case of racial discrimination, and unethical acts by Wells Fargo and they are doing to me what they are and have done to many other XXXX and minority home owners which using unethical acts and violating rights to cause families to lose their properties. I expect a fair opportunity to save my home as every home owner deserves. I also informed Wells Fargo I wasnt in my house from XXXX until XX/XX/XXXX being that I was going through a divorce I also sent them the divorce decree as proof.
Product: Checking or savings account

On XX/XX/2023, i tried to withdraw money from an atm machine with my debit card, but the atm said that it was an invalid card and took the card. I called US Bank to inquire why i couldn't withdraw money from my account, and they told me to go and see a branch manager the next day. I went to see the branch manager and she said that they have placed a hold on my account. She has emailed the bank to inquire but the hold, and they are not responding to her. And everytime i call to see how i can get my money, they tell me to go and speak to the branch manager. It's been a week now, and i don't have any money on me to even get gas to go to work. I have told them to close the account and give me my money, they say no. I don't know what to do again.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have occurred. 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 with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I have set up a payment plan with the correct Debt Collector. This person is not with them and they keep calling and threatening me with legal action if I don't give a down payment. They have quoted me several different balances and call from different number. she was abusive and refused to give me any account information and answer any questions. She lied about what I said in the phone call and continued to hang up. I recorded the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account number XXXX with XXXX XXXX a debt collector, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my XXXX XXXX credit score dropped from XXXX ( excellent ) to XXXX ( very good ). I reviewed my credit report and found no errors -- all balances went significantly down, there are no inquiries, past due payments or any other adverse information. I have established a credit file more than 35 years ago. How can a credit score go down XXXX points for absolutely no reason? There is no way to dispute a credit score with XXXX. I understand that a credit score can fluctuate, but there must be a glitch here.
Product: Credit reporting or other personal consumer reports

This is my 19th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00}
Product: Bank account or service

I made a car payment to USAA federal savings bank in XXXX for {$570.00}, that 's a little above my normal payment. I later found out that the bank applied it to an insurance policy. I 've never taken an insurance policy out through USAA. They are now threatening repossession of my vehicle. They will not find the error, and correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several documents showing the credit bureaus that the following accounts were deleted from my credit report from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX- listed before as XXXX XXXX XXXX XXXX ( Experian ) -this company notified all credit bureau informing them of fraudulent charges XXXX XXXX Accounts- Unauthorized signature on Loans from XXXX XXXX University and XXXX XXXX. XXXX XXXX- I have one account not ten XXXX XXXX accounts were sent to collections violating HIPPA. 

The accounts were added back to credit reports. This has stopped me from becoming a home owner. 
Please investigate this matter because I have requested the original documents with signature but the credit bureaus are refusing to provide this information. I feel this is discriminatory and bias. No one should have to send documents on top of documents and the information is still on the credit report. In addition to this, I am told to contact the creditors for documents. Why is this? A consumer reporting agency suppose to provide that information. According to Section 609 ( Every consumer reporting agency shall, upon request, and subject clearly and accurately disclose to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will serve as a follow-up to my previous complaint dated XX/XX/XXXX. 
The complaint stated that you must block/remove these items : 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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

My brother and I created an account with Truist. After about XXXX days of depositing and spending money they closed both of our accounts. We went to see what was the problem and they informed XXXX their fraud team is the one that closed it. Even though we did nothing illegal. All we were doing was making money from betting apps like XXXX and XXXX. Literally nothing other than that. Which is legal in the state of Pennsylvania. 

Long story short, they informed us on XX/XX/2023 that we need to come back with a letter informing us why it was closed to get the remaining money in our accounts by picking it up at the bank. 

My account has $ XXXX and my brother account has $ XXXX A week and a half later we received the letters and went to the bank to pick our money up. They informed us a check was sent out on XX/XX/2023 and that we have to wait to get the check in the mail instead of picking it up. 

So we waited and never received a check. 

I called XX/XX/2023 and was advised that there was no check sent out and that it will be XXXX sent out tomorrow XX/XX/2023. 

I feel like they are just gon na keep giving us different dates and we have to pay our rent and other bills. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX  XXXX XXXX Balance : {$210.00}
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXXXXXX XXXX XXXX 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.
Product: Credit card

In your recent letter ( XXXX ), SynchronyBank wrote : " XXXX XX/XX/XXXX, you opened a dispute for the XX/XX/XXXX, charge of {$1200.00} described above ''. THAT'S A LIE because i began disputing this so-called " purchase '' since XX/XX/XXXX Not XXXX as you claim. 

On XXXX, SynchronyBank wrote : " ... a credit of {$9.00} posted as a merchandise return.... the credit was initiated by the PROVIDER ''. This is a Contradiction of your earlier explanation dated XXXX, stating : " In addition, a credit for {$9.00} was also applied to your balance ... as resolution for a billing dispute opened BY YOU ( XXXX ) on XX/XX/XXXX, in which you ( XXXX ) claimed you were overcharged by the merchant by {$9.00}, for the purchase in question ''. Why did you give this credit when THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX XXXX XXXX A credit i could never request since there was NO SUCH extra charge. YOU ARE LIARS and CRIMINALS, That's What You Are : LIARS and CRIMINALS. 

WHY IS SynchronyBank ISSUING ME A CREDIT BEYOND THE DISPUTE OF {$1200.00}?? This means your accounting, Statements and billing ARE FRAUDULENT and that's what i had been complaining about since XXXX. 

Also, contrary to SynchronyBank Statement that i PURCHASED something in XX/XX/XXXX, SynchronyBank has NO EVIDENCE for this {$30.00} PURCHASE dated XXXX. Why does SynchronyBank Statement XXXX state : PAYMENT OF AMOUNT IN DISPUTE {$1800.00} NOT REQUIRED, when {$1800.00} is something you Criminals Fabricated and LATER CANCELED. 

In the face of all these Fraudulent Statements by SynchronyBank, you will perish in your Obstinate Fraud because there's certainly no spirit of remorse or repentance in your evil spirit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been in collection for over 13 years, soon to be 14 years old. It was first held by 12 XXXX XXXX for over 7 years. And then sold for pennies to Jefferson capital system. This company has held it for more years. This account is as old, or from 2007 till present - over 10 years old - this account should have been closed. Jeffcapsystem bought this account for XXXX, and ignores the fact that it is already more than 10 years old in collections. This account should not be kept in debt or collection. It is breaking the RULES of LAW in collection. 
JeffERSON capITAL system {$790.00} I contacted XXXX but they keep saying there is a glitch, or an error on file. They can't remove it they say. XXXX is having a problem, or making it. 

This account is over 10 years old in collection. It should have been removed years past, but has not.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

Hard iquiry of WellsFargo XX/XX/24 in the XXXX bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX 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

My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to XXXX XXXX and now XXXX. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from XXXX and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.