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

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, XXXX  mortgage XXXX XXXX  XXXX  XXXX, XXXX as inquiries. Report # XXXX, XXXX, XXXX, XXXX. In accordance with the Fair Credit Reporting Act, XXXX  XXXX, XXXX, XXXX, XXXX  mortgage XXXX XXXX  XXXX  XXXX, XXXX Report # XXXX, XXXX, XXXX, 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: Checking or savings account

I have two bank accounts with Bank of America, a checking and a savings. A third account, XXXX XXXX, was opened in error. I asked the account be closed, but they refuse to close it until {$25.00} ( the monthly fee ) for the account has been paid. I am not paying for an account I did not want or did not use. When asked what would happen, because I refuse to pay and they refuse to close it, they said I will just keep getting fees until I pay them and close the account. 

Ridiculous. Shady practices.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, & XXXX credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX has violated my privacy rights according 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 written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Debt collection

MULTIPLE AND REPEATED PHONE CALLS THROUGH OUT THE DAY on my place of employment and leaving multiple messages in my phone, threats that if I dont contact them I will be placed on Collection etc
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX ( Account No : XXXX ) Dispute Basis : This account is not mine. Under **FCRA 605 ( a ) ** I request that you investigate the validity of this account and remove it from my credit report immediately. 
XXXX. XXXX XXXX ( Account No : XXXX ) Dispute Basis : I contest the validity of this account. It has been closed at the creditor 's request, and I request documentation that verifies my responsibility under **FCRA 623 ( a ) ( 1 ) **. 
XXXX. XXXX XXXX XXXX ( Account No : XXXX ) Dispute Basis : This account is inaccurately reported and should be removed under **FCRA 611 ( a ) ( XXXX ) ** as I do not have any contractual agreement for this account. 
XXXX XXXX  XXXX XXXX XXXX Account No : XXXX ) Dispute Basis : This account is fraudulent. I demand its immediate deletion per **FCRA 605B** due to identity theft. 
XXXX. XXXX XXXX XXXX ( Account No : XXXX ) Dispute Basis : Similar to above, I dispute the validity of this account and request verification per **FDCPA XXXX. 

These accounts listed above have resulted in several fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
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 transaction were authorized, I was charged and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

RE ; WELLS FARGO - LOAN # XXXXPlease help me avoid foreclosure, it is now over XXXX months since i requested help from my mortgage company regarding a HAMP loan modification. for the past XXXX months Wells Fargo has assigned XXXX different negoatitors to review my application and every time i get assinged they request for the same documents over and over again. 

Please help me since i have provided every single document to qualify for a loan modification and now as of XXXX/XXXX/2015 Wells Fargo told me that i was denied because it is not on the best interest of the investor to help me keep my home. 

Now i am frustrated and upset since it is now almost XXXX months going back and forward with Wells Fargo playing games. 

XXXX XXXX
Product: Debt collection

Continuing harassment via phone and email regarding my deceased grandmother 's debt. They are harassing myself and her former boyfriend that she lived with when she passed away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported an account to credit reporting agency with wrong information. XXXX XXXX XXXX stated they submitted information to Experian and XXXX  to delete the collection account from my credit report. According to the reporting agencies, they stated they never received any information to delete. 

I have attached information from XXXX XXXX XXXX respond to CFPB that they had request this collection be deleted from my credit report. This error has caused a delay in closing on a home and financial hardship
Product: Mortgage

Im on a XXXX XXXX forbarence and i wanted to extend it and instead the paper work was done wrong and i got all past payments defered. But I did not want to do that .... I am still in forbance ... .Because I asked for another 3 month. Anyway I was discussing with Mr cooper at the end of XX/XX/XXXX, I would like all payments to be put on deferral to the end of the loan. I was informed that I could not because I had already did it in at the end of XX/XX/XXXX, but I must of filled the wrong box because I didnt ask for the defferal of payments, I just wanted a extension of my forbarence .... I would like to start making my regular payment, starting XX/XX/XXXX and have the past put at the end of loan,,, Mr Cooper says I cant because I already did it once ... ..well can you help me get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up on complaint XXXX regarding the closing of complaint and cfpb did n't even look into the matter regarding XXXX billing dispute and false statements report to credit bureaus and to CFPB. XXXX stated to CFPB THAT my XXXX account was sold to XXXX On XX/XX/XXXX they also sent me a letter from XXXX XXXX XX/XX/XXXX stating the same false statement and violated FCRA When they submitted false statements to Experian stating that the XXXX account could not have been sold to XXXX in XX/XX/XXXX cause on my Experian report XXXX XX/XX/XXXX the XXXX account was not even opened until XX/XX/XXXX and closed in XX/XX/XXXX. Also I sent XXXX XXXX XXXX an email with my meeting with the branch manager on XX/XX/XXXX where I clearly told him to close all my accounts. So they are reporting false statements about the XXXX card XXXX XXXX sent me a letter dated XX/XX/XXXX saying that they found no evidence of me closing the account with the branch manager and he States please be advised that the account is closed XX/XX/XXXX but I did not close the account on that date but they reported it to Experian that the account was closed at consumer request but it does n't show the account is closed it shows 150 days late payments and false credit limit of {$500.00} when it was {$4000.00}. They said my mother was added as a authorized user XX/XX/XXXX which is completely false and my mother was not even on my account. I was a authorized user on my Mother 's XXXX XXXX XXXX but they closed that a month after she XXXX they reported it for 3 years to the credit bureaus but they stopped reporting that account. They also state she was removed from the XXXX card on XX/XX/XXXX which is completely False statement my mother XXXX XXXX  XX/XX/XXXX why did n't I have her removed then Ask them for documents I sent to XXXX where I closed the account where I removed my mother from my XXXX card and if they ca n't prove what they are reporting to you and the credit bureaus with letters I sent to them on the date they claim these events took place with my signature and date then they are knowingly violating the FCRA and I am a XXXX veteran and probably violated the American with XXXX XXXX also. They have sent different letters with different facts that are completely false and they know it
Product: Debt collection

i stop at XXXXXXXX XXXX my account is in hold all my funds are in hold by collection agency LVNV Funding LLC A/P/O a judgment date XXXX XX/XX/2008 original creditor XXXX south dakota XXXX, i have credit card a account with XXXX XXXX but im never late payments or any judgments im planing to buy a house i review my credit report every month tha particular account or judgment is not on my credit report on the 3 bureaus so how is possible my money its on hold
Product: Money transfer, virtual currency, or money service

I worked in the US over the summer and had a bank account with Chase Bank. On leaving the US I attended Chase on the XXXX XX/XX/2022 to arrange a wire transfer for the money to go into my XXXX account. The wire tracking number is XXXX. This transaction failed to take place and my XXXX bank had confirmed that they had not received the payment nor had the payment been sent back. I have been phoning Chase every other day for the past 4 weeks only to be told different things and not being helpful and able to tell me anything to resolve the matter. This has been no fault of mine and they continue to withhold my money for no reason. The last several calls I was told that I needed to speak to the wire transfer team, and they would contact me but this was 10 days ago and have not received a phone call or email, they have both of these on their record. I am at a loss as to how to get my money safely and swiftly into my bank account as it is money that I need to fund my final year at University which I have now started needing money for courses ect as you can appreciate my final year is vital to my future life. The bank identifier was XXXX and the transaction Number is XXXX. This transaction was initiated by XXXX XXXX and the initiating branch ref is XXXX. I hope this information is helpful to you and you can help me, thank you for your time. I look forward to hearing from you.
Product: Student loan

For the past  XXXX  to   XXXX   months my  Federal loan payments have been wrongfully allocated to my Private loans, Making my Federal loan payment late. I then have to call them and have them figure thing s out and re-allocate the funds to the correct loan. This happened today   XXXX   and   XXXX     and once in  XXXX  but I ca n't remember the day. On the  XXXX  phone call they said that after they moved the money back to the Federal loan it would make the  Private  loan {$80.00} short. however when I called this evening they said that they saw were that payment was made, however it was n't applied to anything. I have probably had over {$800.00} misallocated. Also the company in question is Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act Online Information System Account # ending in XXXXXXXX XXXX XXXX XXXX XXXX # ending in XXXX, and XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U S.C 1681 Section 602A states that I have a right to privacy. 

15 U S.C 1681 Section 604A also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block this fraudulent information within four business days of receipt of this complaint.

The following accounts, which I did not open or authorize, are fraudulent and should be removed from my report : A credit card account opened at XXXX on XX/XX/year>, under account number XXXX with a balance of {$150.00}. 

These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report, which highlights the fraudulent items in question. 

Please be advised that I do not recognize or acknowledge these accounts, collections, or charge-offs as they were not initiated by me. All of these items are the direct result of identity theft and fraud. 

In addition, I have enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Complaint ( XXXX XXXXXXXX ) as verification that these consumer credit accounts, collections, and inquiries are the result of identity theft and should be blocked from my report as per the requirements of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to the swift correction of my credit file. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXXExperian 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 has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C 1681 section 602 A, I am granted the right to privacy. However, this right has been infringed upon by the inclusion of erroneous details on my credit reports. This violation not only raises questions about my privacy but also undermines the trust I place in the integrity of your reporting. 

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly states that a consumer reporting agency is prohibited from furnishing any account-related information without obtaining my written instructions. To the best of my knowledge, I have never provided such instructions for the inclusion of the accounts listed below on my credit reports.

The violation of my rights takes another form, as 15 U.S.C 1681c. ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including certain adverse items of information that antedate the report by more than seven years. Yet, I have noticed entries such as [ list a few examples of inaccurate and outdated information ], which contravene this protective provision.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) places a responsibility on those who furnish information to ensure its accuracy. It deeply concerns me that some of the information provided by the listed creditors and collectors is not only inaccurate but may also have violated this essential provision.
Product: Credit reporting or other personal consumer reports

I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Derogatory marks made from XXXX Tx 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
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXXXXXX XXXX. pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking, and the information listed below, which appears on my credit report, is a result of that trafficking.

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

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 XXXXXX/XX/XXXX Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity Trafficking Documentation
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, This investigation resolved some of my issues. Early warning did delete some of the derogatory items on my previous consumer reported as per their previous attached letter. The pending Items with XXXX are not resolved. They deleted two of the the four erroneous accounts ending in accounts # XXXX and # XXXX of XXXX. They didn't delete the other two accounts with XXXX are duplicates. # XXXX and # XXXX. The same information is being reported. They just kept two accounts open with same account numbers with XXXX. These other two derogatory accounts with XXXX that remain have the same last four digits of the account numbers of the two XXXX accounts that were removed. If you look at the last four digits and the account information the accounts is the same. Early Warning never addressed why XXXX XXXX XXXX made an inquiry to my account? They just removed it without addressing which branch authorized the inquiry. Early Warning was trying to tell me it was identity theft. If that was the case there would of been a branch associated with the inquiry along with a routing number and account number. There was none. They just removed the inquiry without a true explanation. I'm not letting this go. Early warning is co-owned by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX. I originally stated that one of these banks above has been trying to black ball me in the banking industry. I will get to the bottom of this. I have been Harmed by Interference with XXXX XXXX for over seven years. I'm not going to rest until I get these last two derogatory items deleted from my Consumer report. I have contacted XXXX and they no longer have record of these accounts in their system. Who did Early Warning contact at XXXX to verify these two accounts? How many years does negative account information remain on your Consumer report by FCRA?