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

I notice on my credit report accounts that I did not authorize or have not been verified. I filed an FTC report due to information exposed in XXXX XXXX, please remove all accounts below. 


* Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 transactions were authorized, I was charged fee 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: Credit reporting

I 've pulled my credit report and found incorrect collections other collections have been paid and disputed. I 've also lowered my credit obligations significantly in the last few months with little or no increase in my overall credit score, I 've paid my credit card down to less than XXXX % utilization and paid another account to XXXX % utilization which is a furniture account I 've paid all outstanding collections to XXXX yet my score remains at XXXX I believe a perfect score is XXXX I have XXXX collections I paid so we 're saying I 'm losing XXXX points because of them.. Really!!! I 'm having issues with calling to customer service because they do n't seem to understand what I 'm saying because there in the XXXX and I do n't feel I 'm getting my point across with issues like reporting the same debt on XXXX different accounts ..I getting frustrated dealing with them as I rely on them for accuracy when I 'm finding errors and them dragging their feet in correcting them
Product: Debt collection

Collection agency reported a debt that I do not owe to the credit bureau which caused me a loan denial because of false information added to my credit file.
Product: Mortgage

Bank of America is currently engaging in dual tracking. Dual tracking is prohibited during the modification process. 

Please see attached documents.
Product: Debt collection

I received a statement from Pay Pal Credit last month ( XX/XX/XXXX) telling me that my account was past due. I do not have/have never had an account with this company and I most certainly have not made any debts with the company. At that time I tried to contact the company, but the first thing that they asked for was my social security number. That convinced me that this was a scam. I could not make human contact, only recordings. I have received a statement ( this month which is XX/XX/XXXX ) with an account summary which gives a previous balance of {$1300.00} ; zero payments & credits ; $ XXXX fees ; interest- {$9.00} ; new balance- {$1400.00}. On the payment information side- New balance {$1400.00} ; amount past due ( in red ) {$73.00} ; minimum payment due- {$130.00} ; date due XX/XX/19 ; amount to avoid standard and deferred interest on your next statement {$470.00}. I had not heard of this company until last month. There is nothing in either letter that says what I have purchased and the cost of the item. It just gives an arbitrary amount that I owe and should pay. This is not the way that legitimate companies operate. I have not purchased, or borrowed anything/amount from this company. I am not the only person with my name in GA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
Spring Oaks Capital LLC XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

None of these accounts belong to me XXXXXXXX XXXX XXXXXXXX XXXX is not my address and has never been my address all of these credit cards are closed the inquiries on my credit report are not mines never applied for those merchants
Product: Mortgage

I had a mortgage loan with Wells Fargo from XXXX to at least XXXX. In my divorce settlement It was in writing that my ex was not entitled to sign the house over into his name until he got the mortgage loan transferred to his name. This never happened yet every time he was late on payments, it destroyed MY credit. Somehow he was able to transfer the title to the house without my permission or signature and then it was foreclosed without my knowledge. According to my divorce decree- I was no longer liable for payment but he managed to get it transferred, and foreclosed on, all without my knowledge yet somehow I was the only one whos credit was destroyed. No one from Wells Fargo ever tried to contact me or send me any correspondence. 
Also my phone number now is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion has continuously and falsely verified this alleged account. Both XXXX and transunion have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Product: Credit card or prepaid card

On XX/XX/2023 someone used my USAA card to buy from XXXX for a total of {$160.00}. After reporting the fraudulent purchase to USAA. The bank refused to refund the amount ; deeming it a legitimate purchase despite the fact that the purchase was sent to another person ( which I do not know ) to the address in a different state.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation all enclosed please
Product: Credit card or prepaid card

Usaa refuses to accept ach payments from my bank account. It is a XXXX called XXXX XXXX and direct competition to them. How is this legal. No other options to pay but ach. They will not accept debit card payments either. How is this my problem. I will not pay until they provide a way for me to do it without violating udaap.
Product: Debt collection

I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEMS , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, and Equifax reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

XXXX changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX Equifax left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are several inaccurate late payments on my credit report that dont match my usual payment behavior. Please fix these errors and adjust my account.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. XXXX XXXX ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent.

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XX/XX/XXXXXXXX
Product: Debt collection

In XX/XX/XXXX, I took a sleep study with XXXX  XXXX XXXX, a subsidiary of XXXX   XXXX. After that sleep study I owed a total amount balance of {$1600.00}. I paid off that debt completely in XX/XX/XXXX in the form of a {$1500.00} payment.

On XX/XX/XXXX, a company called XXXX XXXX XXXX XXXX, not XXXX XXXX whom I had the sleep study with, mailed me a bare payment statement saying I owed {$480.00}. The statement did not list what the charge was for, what procedure I had, how much my insurance covered, and stated I could only make payments via mail. So I did not respond believing it to be a scam. 

On XX/XX/XXXX, I got an alert saying I had a debt in collections from this XXXX XXXX XXXX XXXX. When I contacted that company they took a long time to answer my questions, would not answer my questions and asked me for personal information that i was not willing to give. I believe this is a fake company set up to mimic the real company I conducted a sleep study with and an attempt to scam me. 

I have not been in contact with GLA Collections yet.
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 Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous occasions and reporting discrepancies, my financial institution and XXXX failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving XXXX users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

XX/XX/XXXX XXXX three time {$34.00} for the Insuffcient Fee. XX/XX/XXXX one time {$34.00} ..I don't know the settlement date of the bank and the merchant. The account is not enough money and it is transferred to the merchant. Then I charge the overrun fee. It feels like a scam. I want to close the overdraft function and it doesn't work. The overdraft fine is not legal. It is simply a XXXX.
Product: Debt collection

In XX/XX/XXXX, after multiple calls and not seeing any notifications in my portal regarding these calls, I called SPS to understand why they keep calling me, I was told that they didn't have proof of my insurance from XXXX. They had the insurance declaration from XXXX, which I never sent, they obtained on their own. I didn't change insurance companies, I have been with XXXX for years, not sure why they didn't obtain the renewed policy, the same way they obtained the XXXX policy. So I asked the representative how I resolve this and they told me to update the policy in the portal, which I did immediately following my conversation and I moved on with my life. In XXXX, I started receiving multiple calls again, so I repeated the steps I did in XXXX, this rep stated that they didn't see anything in the portal ( even though I could see it in my portal ), they initially told me they called XXXX and XXXX stated I didn't have a policy, when my broker called XXXX, XXXX stated that they don't show having received a call from SPS, then they told me to send it to XXXX ( XXXX XXXX ). We went through the exact same issue in XXXX and I was told to mail it to SPS, that was done in XXXX, ( I should have tracked this ), then in XX/XX/XXXX I received a notice that SPS has purchased a hazard insurance policy on my behalf, on XX/XX/XXXXXXXX  I called and one supervisor told me to send it to XXXX I called my broker and she sent it and faxed it to XXXX per the letter I received ( XXXX XXXX ) after speaking to 2 supervisors, I was transferred to SPS insurance department. The insurance person ( XXXX ) called my broker, verified insurance, verified that my broker submitted the document via the above website and by Fax. She also stated that she had received my previous documents and the declaration for XXXX, then she said the document I sent, didn't have the premium or deductible on it, I stated that it did ( XXXX XXXX ) and she paused and said, oh you are correct i see that. SO then she stated that the name on the policy might be the issue. I am responsible for the property and the name of the insured is me. I am tired of this continuous battle and no resolution. I was also told that my Monthly payment would increase to cover this policy. I shouldn't have to pay for something I don't need, they have added an unnecessary debt to my life.
Product: Debt collection

Subject : Urgent Request for Removal of Unauthorized and Unverifiable Item from Credit Report Dear Wakefield & Associates, I am writing to express my deep concern regarding the unauthorized reporting of items on my credit report by your agency. I have never provided consent for Wakefield & Associates to access my credit report, and this infringement on my privacy raises serious concerns of identity fraud. 

I want to emphasize that even in cases of permissible purpose, the consumer 's consent is paramount, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( B ). Additionally, Georgia state law, under Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), requires consumer consent for such activities.

I have not granted permission for the inclusion of this item within my consumer profile, rendering the reported item unverifiable. I demand the immediate removal of this unauthorized and unverifiable item from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ) and relevant Georgia state laws.

I assert my right to have this matter resolved within 30 days from the receipt of this complaint, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ) ( i ) and corresponding Georgia statutes. Failure to comply within this timeframe will be considered willful noncompliance, in violation of FCRA Section 616 and Georgia state law.

Additionally, I request that Wakefield & Associates provide a written document from me, the consumer, that explicitly grants permission for your agency to access my consumer profile, as required by FCRA Section 604 ( a ) ( 2 ) ( A ) and Georgia law. This document should be submitted promptly. 

I trust that you will address this matter with the urgency and seriousness it deserves, in compliance with both federal and Georgia state laws. I appreciate your prompt attention to this issue and expect a resolution within the stipulated timeframe. 

Done in good faith.
Product: Credit card or prepaid card

Firstly : Last month my XXXX Credit Card was shut off and in limbo for several days. Calling anyone was worthless.

Syncrony is their bank.

Issued a new card. Now as usual I can not pay a monthly bill by phone ...

Due to a one eyed one eared computer on auto pilot. Which wastes all my time every time I call. Voice or number prompts are useless. A whitewash of service gone completely wild.
Product: Money transfer, virtual currency, or money service

XXXX of Americans reported identity theft. More than XXXX XXXX personal records get exposed in data breaches. Cybercriminals steal more than {$1.00} XXXX globally annually. You can find this information listed below as it appears on my credit report, unrelated to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report ; pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply.
Product: Checking or savings account

XXXX {$72.00} XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$100.00} I talked to one of there the banks representatives at Regions Bank, about this accuring issue , and she sounded like if she was upset in talking me about this issue. They told me they were going to reverse the issue and they issued me a new card. But, they just setted me up for financial failure. I would really like to either resolve this issue or close my bank account entirely. And, return 'ALL ' my paid overdraft fees, for no fixing the issue on the first attempt.