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

I submitted a complaint last XX/XX/2022 to remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, which were UNKNOWN to me . I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.
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 fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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, credit repair services, or other personal consumer reports

I would like to report inaccurate information that 3 auto loan banks are reporting to XXXX credit bureau. The do not belong to me. 

On XX/XX/XXXX, I called all three banks and they confirmed verbally that the loan on file does not match my name and social security number. None of the 3 banks are willing to provide me written confirmation that the loans are not associated with me and that they the will stop reporting to credit bureaus under my name and social security number. 

XXXX Texas XXXX XXXX XXXX ; account XXXX ; XXXX ; I spoke to XXXX XXXX XXXX 


PNC bank ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; XXXX XXXX XXXX in Texas ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; I have credit freezes on my social security number with XXXX and XXXX credit bureaus because there was a personal information breech at my job in XXXX. I attempted to freeze my credit with XXXX credit bureau too but this option was not available on the XXXX website or by phone. 

Apparently a XXXX XXXX XXXX XXXX have the same date of birth as me and has opened 3 auto loans in Texas. All three of the banks that I called today, said that XXXX XXXX XXXX did not have a social security number listed or that it did not match mine. 

I am having difficulty getting a home mortgage loan because of this collective issue.
Product: Credit reporting

I received a letter from XXXX XXXX on XXXX XXXX, 2016, stating that all hard inquiries made on their behalf are to be removed because the applications were confirmed as fraud. ( See attached pdf letter downloaded ). Experian is not responding to the letter and has not taken the hard inquiries out from my credit report causing me to have a lower credit score. 
I have tried to have them remove the inquiries to no avail.
Product: Debt collection

The car was paid off through my insurance company XXXX on XX/XX/19 in the amount of {$11000.00}. The remaining balance of {$470.00} WITH XXXX collection was paid off as well. Supporting documents have been uploaded. Please remove from my credit
Product: Credit reporting or other personal consumer reports

Contacted company to provide original documents of said delinquent account. Have sent 2 dispute letters to rectify issue. Complaint has been unsuccessful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting inaccurate information to the credit reporting agencies. They are reporting inaccurate payment history and amounts. They are reporting that the account is closed and charged off at the same time. The account can be one or the other. If the account is closed/written off I never received the 1099C form from them this has to be reported on the company end as a loss of income and gain on mine. Also if the account was charged off I was never told what company the debt was sold to. If the account was written off this has to be reported to the irs. I do not believe you can write a debt off and still sell it and try to collect on it that seems to be fraud. I believe this is also numerous violation of the FCRA and an IRS code violation. They have also defamed my character and caused me harm.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees Ive incurred. Despite having sufficient funds when the transactions were authorized, I was charge fees due to lagged postings of charges and credits the issue alliance with the recent CFPB finders against Navy Federal for similar practices where transactions were settled with insufficient balances, despite the initial available funds. I believe those practices are unfair and request investigation into my account transactions.
Product: Mortgage

In XXXX of XXXX, I changed my mortgage insurance from XXXX to XXXX and was issued an escrow refund. I called my mortgage lender SWBC and asked what I needed to do so that when I mailed to escrow refund to SWBC it would be applied to my escrow and not as a mortgage payment. I was told to include a note on the check. I asked for the person taking the call to make a note on my account that this additional money was to be applied to escrow and the person I spoke with agreed to note it on my account. I put a note on the check and sent it in to SWBC. 
SWBC applied the money as an additional mortgage payment causing my escrow account to come up short and now SWBC is demanding {$4300.00} in repayment. I called SWBC XXXX times. Each time I asked them to go back into my account and apply the money I sent as it was supposed to be applied and correct any accounting on my account. They refuse. They want to move money here and there and allow me to skip a few payments but pay off the escrow. I want the accounting corrected and straight so that later on my account is in tack as it should be. SWBC continues to ignore me and play with my money. I need help asap, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion continues to report an account as open and derogatory. The initial dispute with the data furnisher was issued in XXXX and it was rightfully removed from XXXX. XXXX and TransUnion continue to close disputes in a short time saying that the dispute was complete. However, it is hard to believe that they are actually investigating the account b/c when XXXX conducted their investigation they got a conclusive response to remove the account. The account in question was agreed to be removed and forgiven under COVID 19 payment relief. It is paid in full and closed. 
In addition, I requested that the bureaus notate on my file per FCRA requirements that the account was a result of a Declared Natural Disaster but they failed to do so.
Product: Credit card or prepaid card

My son received a gift card ( VISA ) issued by XXXX. 

Cardholder services and balance inquiries are directed to XXXX After MULTIPLE attemps to access the balance online to find out what was wrong, it was discovered that this card was fraudulently intercepted and used in a foregin transaction. 

Despite this card being in our possession the entire time. My son is out {$25.00}, and this company will do nothing about it. Simply stating that this can not be referred to the fraud department because 60 days was exceeded. 

My son was saving this for later purchase. We had no way to know it was fraudulently used by a bad actor. The card was in our posession and protected at all times. 

RE : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA XXXX.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

XXXX.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have held the account in question for many years. In XXXX of XXXX, I used the account to make a hotel reservation deposit ( {$390.00} ) for a planned trip. The trip was cancelled, as was the reservation. Despite the reservation cancellation ( and the fact that the hotel confirmed that cancellation ), the reservation charge appeared on my account. I contacted the hotel via phone, and was told there had been no cancellation and the deposit charge would stand - and was told a supervisor would contact me ( which did not happen ). I then contacted the issuer of the credit card, describing the dispute. The issuer eventually sent me a paper form with which to file a written dispute, which I returned on XX/XX/XXXX - including a copy of the cancellation confirmation from the hotel. After hearing nothing, I sent the issuer a letter on XX/XX/XXXX asking for a response/resolution. The issuer responded on XX/XX/XXXX - indicating the hotel was not willing to credit the charge, and referenced, of all things, the AMOUNT OF TIME THAT HAD TRANSPIRED SINCE THE INITIAL CHARGE WAS MADE. I made an additional request for a logical resolution to the matter by letter on XX/XX/XXXX. After receiving no response, I sent the issuer a letter on XX/XX/XXXX reiterating my efforts to get a resolution - and cancelling the account. After again receiving no response ( but receiving additional statements ), I sent another letter on XX/XX/XXXX, again pointing out my efforts to resolve the matter - and reminding the issuer the account was to have been cancelled. To this date, the issuer has continued to send me statements, adding fees each month. The issuer has also provided negative information relevant to this account to credit reporting bureaus.
Product: Credit card

Bank of America says that they offer their customers a {$0.00} liability on unauthorized charges, but they hold me responsible for unauthorized charges and are in the process of wrecking my credit by reporting me as delinquent on fraudulent charges.
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 1681XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXX XXXX- Account Number # # # # # # # # # # # # # # # XXXX, XXXX XXXX XXXXAccount Number # # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXAccount Number # # # # XXXX XXXX XXXX XXXX XXXX XXXXAccount Number # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX, XXXX-Account Number # # # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX. Has Violate 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, I SENT IN MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THE ITEMS THAT WERE TAGGED ARE FRAUDULENT AND I DON'T KNOW WHERE THEY CAME FROM. HOPEFULLY I WON'T BE IGNORED OF MY DISPUTE.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting

I AM NOT ABLE TO ACCESS MY CREDIT REPORT WITH MY EQUIFAX COMPLETE ADVANTAGE MEMBERSHIP THAT I PAY {$17.00} MONTHLY FOR AS THEY HAVE LOCKED MY CREDIT FILE TWICE NOW ONCE ON XX/XX/2016 AND AGAIN ON XX/XX/2016 AND IT IS STILL LOCKED.
Product: Consumer Loan

I intended to buy a home with a mortgage in 2007. Seller misrepresented, forged documents, and committed a bait-and-switch. I was stuck with a manufactured home with what appears to be an installment loan instead. As a XXXX buyer, I feel especially targeted. Both parties were informed but no cooperation or correction transpired. When I became unemployed and XXXX, my income shrank. I proactively obtained a Chapter XXXX Bankruptcy while all bill payments were current and never missed. This was successful. I also proactively attempted to get a loan modification before any problems would occur. Instead of helping, the bank rejected XXXX attempts, committed errors, failed to communicate effectively, and ultimately charged off the account. Even an attorney attempted to intervene to no avail, which caused me more financial harm. Furthermore, some payments were not credited. After two years of zero communication, the lender is now threatening to " repossess '' my home! At this moment, no detailed letter has been received. My trust is less than broken. Due to the dishonest transaction, I could become homeless in a matter of days ( unlike a foreclosure or eviction process ). I would have walked away from the house if I had a place to go.
Product: Money transfer, virtual currency, or money service

My customer sent a $ XXXX wire transfer to Capital One for services to be provided by my company. Fraud Dept confirmed twice that my transferring of some of those funds to one of my accounts was not fraudulent and put the funds back into my account to proceed. On the third time, the Fraud Dept rep flagged the transaction, restricted my account for all withdrawals. At this point my customer is now requesting a Wire Transfer be sent back to her for the $ XXXX. I did request this to be done originally on XX/XX/XXXX, she again requested via an email and her bank, per the direction of Capital One, also sent a Hold Harmless Letter. The Wire Transfer still has not been sent back to the original sender. All of this action began with the refusals of the first XXXX wire transfers I tried to proceed with to further my transaction on XX/XX/XXXX & XX/XX/XXXX. I have confirmed these funds need to go back to the originator. There is nothing to investigate. My account had very little activity on it. This has caused me, XXXX XXXX XXXX to lose a new customer and to be threatened now with legal action because the funds are not being returned to her. I am getting conflicting communication from Capital One reps in the resolution dept. This needs to be settled NOW without further delay.
Product: Credit reporting

I have filed a dispute 3 times with Experian to get removed a collection account that has reached the federal statue of limitation. The original invoice stopped being paid on 2002, but is being reported on my credit report as a collection account with XXXX, XXXX XXXX XXXX. The federal statue of limitation has run out twice before the collection company even got the account. It should not be reporting on my credit report. Each time I dispute it comes back as verified. However, the debt has been re-aged in order to show up on my credit report.
Product: Credit reporting or other personal consumer reports

I have sent certified letter to XXXX, Experian, and XXXX to have the following fraudulent accounts, resulting from identity theft, removed and blocked from my conumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have reached out to the creditors and they all advised me to contact the credit reporting agencies to go through the fraud procedures.
Product: Debt collection

PENTAGON FCU Contact XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$10000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

There are unrecognizable accounts that I found listed on my credit report. The accounts listed need to be removed, I do not have any knowledge of their existence. Also it seems to me that my information has been shared without my authorization, based on my credit report. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. The items reported are 100 % incorrect, I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please again, I am politely requesting the removal of the items listed on this letter. Thank you in advance for your teams help.