23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar contacted us in writing last XX/XX/XXXXabout {$1200.00} in funds being placed in an " unapplied funds account '' and our need to pay {$410.00} to bring our account current. 
I spoke with XXXX XX/XX/XXXX an explained that the full payment should be posted to our mortgage balance. Our minimum payment was {$1600.00}, but we always pay extra principal with a payment of {$1900.00} per month. I explained to XXXX that all funds submitted by us should ALWAYS be applied to the mortgage balance, and were NEVER to be placed in unapplied funds again. 
Today we received a letter from mr. cooper, the new name for Nationstar. The letter states that {$400.00} has been placed in an unapplied funds account, and we need to send {$1100.00} to bering our account current. Our new minimum due is {$1500.00}. We paid the same {$1900.00} that we pay EVERY month. I suspect this ruse is intended to create mythical delinquencies for unsuspecting mortgage holders. I have not yet called to resolve the latest shenanigan, but I promised XXXX last year that I would report them to you if the nonsense happened again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a title loan in XX/XX/XXXX and paid it on XX/XX/XXXX. About a week ago I got an alert from Experian about being on collections. Debt XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. I have emailed them so many times asking to remove it. I gave sent proof that the debt was paid. XXXX XXXX told me that they did not sell my account because it shows XXXX balance. XXXX after seeing my documents refused to remove it. They want me to pay {$400.00} and I think this is fraud. The name of the owner is XXXX XXXX. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX. XXXX XXXX. Reference # with XXXX XXXX
Product: Debt collection

These numbers keep calling my number, but they don't know my name. I filed bankruptcy over 22 years ago, and if it is from then, it is illegal. I think they are just trying to scare people. I don't owe anything that I am not already paying, and am not late on any of my bills. 

Also I got a report that my social security number has been recently compromised on the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted Experian about an inaccurate account that's reporting on my credit file. After several attempts of trying to find out who they verified this information from, they finally told me they verified the bankruptcy that's reporting on my account with XXXX XXXX. I called XXXX XXXX to see if Experian had reached out to them about a dispute and they said that Experian did not reach out to them at all to inquire about my credit file. They also confirmed that I do not have a bankruptcy reporting on both of my credit files with them. XXXX XXXX said they would send out my new credit file to Experian so that they can update my credit file and remove the bankruptcy. They also said that Experian shares a database system with them so Experian can update their files, but often times they do not. I called Experian on XX/XX/2022 to explain this to them and they said that XXXX has to send them an electronic file so they can update my credit file. XXXX told me that they sent out my dispute and new credit file in XX/XX/2022 to Experian and Experian has received it, but has yet to respond to it. This is completely detrimental to my livelihood. I have an account thats reporting inaccurately on my credit report and I have proof thats its inaccurate and Experian will not remove it. This is unfair and a violation of my consumer rights according to the FCRA. I have shown verifiable proof that this account is inaccurate and Experian is ignoring the proof and they are not doing a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 


15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

Repeated texts and calls from multiple different numbers claiming to be the Law Office of MBA demanding I pay {$210.00} to settle my debt of {$300.00}. They send the same phone number and link from this short-form phone number : XXXX. The phone number they send : XXXX and the link they send as well : XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having the sufficient funds available when transactions were authorize. I was then charged fees due to lagged posting of charges and credits. This issue aligns with 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: Checking or savings account

On XX/XX/2023 at about XXXX XXXX I went to make a cash and check deposit a chase bank atm, I first deposited {$760.00} cash into the atm, then the atm asked if I wanted to do anything else, I then tapped yes and proceeded to deposit two small checks which totaled about {$28.00}. After it gave me the final balance of the deposit of the check and cash combined I tapped ok. The atm said remove your card and I did, immediately after I removed the card a big red error came up on the screen and it said that I removed my card to early and that the transaction had been cancelled. Frustrated I stood waiting on the return of my deposit, first the two checks were spit back out at me, I stood waiting on the cash and the atm went back to its home screen. At this moment a car pulled up wanting to use the very atm that just ate my money, not knowing what to do I proceeded to do another transaction, I did a recent history/balance inquiry. The atm produced a receipt of the recent activity but no cash and also on the receipt it mentioned nothing of the recent deposit that the atm had just eaten. I realized I couldnt hold the atm so I immediately pullled in the front of XXXX and called the 1800 number on the card. A lady told me that the chase claims department had just closed and they wouldnt be able to do anything until morning. I was told to hang on to the receipt and call in the morning to make a claim. On XX/XX/2023 at XXXX XXXX I called and provided all information about what happened and information from receipt was also provided. Chase then credited my account the missing amount of {$760.00}. Fast forward to MXX/XX/2023 I get a letter from chase saying they will be reversing the credit because my money wasnt found. Ive called the chase claims department, Ive been to speak with the branch manager at the particular chase the atm is at and I also made a police report. On XX/XX/2023 Chase reversed the credit and now I am out {$760.00}.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed XXXX fraudulent accounts that were previously deleted have been reinserted without the required 5-day written notice, as outlined in the FCRA. The accounts are fraudulent, already removed, and their reinsertion violates my rights. 

XXXX  XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Account : XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} I submitted a new dispute on the XXXX of XXXX and they claim have finished their new investigation by the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : SXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : 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 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. And i have filed police report This is not my accounts They are fraudulent I repeat they are fraudulent accounts
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Collecti on Account Summary below.

I want to emphasize that I did not authorize anyone to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report.

I did not receive any benefi ts, funds, goods, or services associated with the events described in the report.

Furthermore, I have no knowledge or informati on about the individual ( s ) who uti lized my personal informati on or identi fi cati ondocuments without my consent.
Product: Credit reporting or other personal consumer reports

Account Name : DEPT OF JUSTICE Child Support Account : XXXX XXXX XXXX XXXX I am writing to dispute the accuracy of the information on my credit report. According to 15 USC 1681, I never gave written consent to [ Credit Bureau 's Name ] to furnish or obtain my personal information.

As per the Fair Credit Reporting Act, " No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. '' Since I did not provide written consent to [ Credit Bureau 's Name ], I have reasonable grounds to believe that the credit bureau has obtained and furnished my information inaccurately.

I request that you investigate this matter and remove any inaccurate information from my credit report as soon as possible. Please provide me with written confirmation that the disputed items have been removed or corrected. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against the major credit bureaus for their repeated failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), as well as other applicable consumer protection laws, in response to my ongoing credit disputes. 

Since XX/XX/year>, I have sent several disputes concerning inaccurate and incomplete information on my credit reports, including letters providing supporting documentation and specific details about the errors. Despite my efforts, the credit bureaus have failed to provide adequate responses, conduct a reasonable investigation, or provide the results of their investigations within the XXXX timeframe mandated under FCRA Section 611 ( 1681i ). 

Additionally, they have not provided me with the procedure they used for their investigations, a violation of 1681i ( a ) ( 7 ). To date, it has been over 9 months, and the accounts below continue to report multiple inaccuracies, including : Invalid dates and inconsistent payment histories after the accounts were allegedly charged-off or placed in collection status. 
Questionable balances and incomplete information despite my repeated requests for validation. 
These inaccuracies not only violate the FCRA, but they also raise questions about whether the credit bureaus have fulfilled their duty to ensure the accuracy and integrity of the information they report, as required under 1681e ( b ).

Moreover, I have contacted each creditor or collection agency individually to validate and verify the debts under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and related provisions, such as 12 CFR 1006.34 ( Regulation F ). Each of these entities has either failed to respond or claimed they can not locate information tied to my name and the personal information provided. 

Below is a detailed list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge-off Each of these accounts contains errors that remain unresolved despite my numerous disputes. By failing to address these issues, the credit bureaus have caused significant harm to my creditworthiness, financial health, and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent my credit information to various banks without my consent giving me more than XXXX hard inquiry like they stated i would receive. They kept on sending out my credit report a day after i had already turned down their offer. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 or other personal consumer reports

ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer XXXX XXXX XXXX between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Product: Credit reporting or other personal consumer reports

I paid my loan in XXXX and the amount of {$620.00}. They tried to take the funds from a different account that account bounced because the money wasnt in that account. The {$620.00} was processed on XXXX XXXX. They are marking my account as XXXX months behind due to the fact I am on a medical leave my loan is normally due on the XXXX and I have not paid my loan yet and well on this coming XXXX, which is the XXXX when I called the woman said they will report whatever the XXXX they want For any length of time they choose basically letting me know even if it was XXXX minutes late they will report in which I know all car loans have a grace period of a few days. I have never had this issue other than Im trying to recently the past few months take funds from another account. Was it on my profile since I have XXXX car loan I feel like their company is being very fraudulent and needs to be held accountable for their actions. I recently just got denied an apartment because my XXXX XXXX just dropped over XXXX points. I was a XXXX and now just went to a XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX EXP DATE : XX/XX/ CVV : XXXX
Product: Credit card or prepaid card

Upon renewal of my Citi Thank You Rewards card, I decided to close the account so as to not pay the renewal fee. This was in XX/XX/2020. I was advised I had 60 days to redeem my points, which were over XXXX ( over {$500.00} ). 

When a few days later I attempted to sign in on line to my account, my password and sign in information did not go through ; they were invalid. 

After numerous efforts to sign in, I attempted to get through to Citi Thank You rewards customer service, but the Covid epidemic had already kicked in and Citi 's ( XXXX ) number was experiencing excessive wait times. Citi, on its Web Site, advised customer 's to not call the ( XXXX ) number, but rather go on-line. Of course, this was impossible as my password was inactive. I attempted to call over 16 times but was not able to hold on due to the long wait times. When I finally was able to hold on for over one hour and get through some weeks later, I was advised my points were lost, due to a ( not disclosed ) time limit on redeeming the points after closing my account. I explained the circumstances ( password, Covid, excessive telephone wait times, etc. ) but Citi refused to credit the lost points, despite my having done everything in my power to use them. I have subsequently written XXXX very detailed letters to Citi but received only form letters in return that addressed none of the questions I raised. I spent several hours writing the letters, sending them, as well as calling Citi on the phone, waiting on hold, etc. 


The forfeiture and the surrounding circumstances appear a violation of their Customer Agreement as provided, as well as a denial that the jammed phone lines prevented servicing customers in a timely manner. 

I am requesting my points be returned to my account, or a cash refund for the equivalent value be refunded to me. Citi 's unilateral action was unreasonable and not in accordance with provided terms.
Product: Debt collection

Creditor received debt validation request in XX/XX/2018. Creditor responded with a statement and nothing else. Creditor requested additional information from me. It is the creditors responsibility to provide any and all information when a debt is being validated legitimately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I went to capital one to buy XXXX XXXX euros =XXXX dollars I left the bank ( 20 minutes later I made the cancellation throw a phone call to the same location, they told me that my XXXX will be refund in 5 days!! It is exactly 2 month and they didnt put my money back ), I so many time I call the bank I speak with a least 5 supervisor etc the only answer it they still have a investigation, or some time they just tell me they dont know how long it will take!! It is look scan and feel frustrated, ( the bank told me the problem was that those type of transactions cant not be canceled, but they did it their employee did it over the phone!! 
I mentioned to the bank if you never call me to pick up the euros how is the process ( you order the money and the bank take 3-4 days to call you and tell you the money is ready ) I never receive the call because the transaction was cancelled!!! The problem is they are holding my money more than 2 months I am XXXX  I am not working I need to cover my needs!! The bank dont wan na admit they internal problem! And I like a customer I am paying the consequences!! They line are recorded the only need to verify XX/XX/XXXX XXXX at XXXX approx to conclude the problem and refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$190.00}.