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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX 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 the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal or similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

First of all, I have no idea if this is real or a scam. I have no recollection or awareness of the debt they are claiming I owe ( they are saying I have a debt to Wells Fargo attached to a bank account from 2004 ), but if it is a real debt that somehow I forgot about or didn't know about, their tactics are completely inappropriate and probably illegal. 

I received a voicemail on my work phone saying I was being sued and was going to be served with documents the next day if I didn't call back. Asked me to call XXXX and provided a case number ( XXXX ). The voicemail said the person was named XXXX XXXX calling from " The XXXX XXXX XXXX '' but no other company name or anything was given. 

I called back, and someone answered the phone " corporate office, '' and I asked " what is this the corporate office for? '' and she said " I answer the phone for 8 different law firms, whats your case number? '' So I gave it to her and she connected me to a woman who said her name is XXXX XXXX and she's with a law firm called XXXX XXXX XXXX and I'm being sued by Wells Fargo for {$3300.00} for an unpaid debt from 2004 for {$1100.00}. She said I have to pay immediately or they're going to repossess my car and garnish my wages. I asked what my car has to do with this and she said they want their money so they'll seize assets if they have to. 

I told her I have no idea what this debt is and why is this the first time I'm hearing any of this, and why doesn't it appear anywhere on my credit report? She said because it's not a credit card, it's a bank account debt and those don't show up on credit reports, but if I don't pay this money my credit will be ruined. I think she said it had to be paid in 10 days. 

I asked if I can dispute it and she said yes but the only way to dispute it is to go to court and then I have to pay all the legal fees. 

She said maybe she could get it down to 50 % and I said ok but I'm not paying anything until I see some documentation. She said ok and that she would email it to me, so I gave her my email address. 

I never received an email, but roughly 24 hours later I received another voicemail from her ( this time calling from XXXX ) asking me to call her back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  XXXX XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Highest Balance : {$53.00}, Open Date XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number XXXX, High Balance {$99.00}, Open Date XX/XX/XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/23, I received a charge of XXXX from a XXXX store. While I have shopped at XXXX department stores in the past, this is not a charge I made. When I called the XXXX department, I was informed that the charge was made using contactless payment, which is not something I usually use. I suspect I may have been either accidentally charged by a contactless device near my card, or someone may have used such a device near me or my wallet to defraud me. Wells Fargo has acknowledged that but has yet to clear this charge after almost two months, and has been difficult to reach in regards to this matter. In addition, I continue to be charged interest due to this dispute. Also, I have yet to receive a receipt for what was purchased.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I contacted experian to display my number for fraud alerts but it's still not showing it shows all XXXX
Product: Credit reporting or other personal consumer reports

While checking my credit score on XX/XX/year>. I have found that it almost went down XXXX points eventhough I was never late on any payments or applied for any new accounts. After investigating I found that somebody fraudulently created XXXX XXXX XXXX credit card ( XXXX ) account in my name and used to purchase lot of things without repaying the bill and which affected my credit score. I have immediately disputed this with all three agencies and XXXX came back saying it is my account and I can revert it. I am awaiting for other agency response. Meanwhile I called XXXX XXXX  and asked about this. They said this account is closed but my credit score is still going down with late payment due to this account. They also mentioned that they will send me email and mail. I still have not received any call, mail or email regarding this since XX/XX/year>. I have called them thrice still did not get any mail or email They have promised email. But did not receive any till now. My credit score is going down I dont see any end to this issue. Could you please help me to resolve this issue ASAP.
Product: Credit reporting or other personal consumer reports

I am writing about an account that appears on my credit which I have previously asked you to investigate but you have refused to do so properly the informations on my credit report regarding the XXXXXXXX XXXX XXXX XXXX  account ( XXXX XXXX ) Upon reviewing my credit report, I noticed multiple discrepancies that require immediate attention this comes after you've previously investigated and reinvestigated The specific issues are as follows Repeated Charge-Off Reporting : The account has been reported as " Charged Off '' multiple times, month after month, which is inaccurate. As per the Fair Credit Reporting Act ( FCRA ), an account can only be charged off once and should not appear as repeatedly charged off in subsequent months, This practice is inaccurate and misleading, as a charge-off is a one-time event, not an ongoing status. Repeatedly reporting the account as charged off inflates the negative impact on my credit report, this is an update to the payment history this inaccurate information falsely manipulates the status of limitation. 

Balance Exceeds Credit Limit : The account reflects a balance of {$2300.00}, which significantly exceeds the credit limit of {$900.00}. This discrepancy is misleading and may not accurately represent the account 's actual financial standing.

Delinquency Reporting Inconsistencies : The reported delinquencies, including " Maximum Delinquency of 120 days in XXXXXX/XX/year> and XX/XX/year>, '' do not align with other entries on the report or documented payment history. 

However, no substantiating documentation or evidence was provided to verify this delinquency, as required under the FCRA. Under 15 U.S. Code 1681s-2 ( b ), furnishers of information are required to ensure the accuracy and integrity of the data they provide to credit reporting agencies. The inaccuracies outlined above demonstrate non-compliance with this requirement. you failed to investigate this account properly your neglect has violated my rights and caused me enormous amount of distress i'm demanding a deletion of this account
Product: Credit card or prepaid card

I am having a problem getting anyone to talk to me, I have tried their live chat, XXXX and phone ... ..I sit on the phone forever, then it hangs up on me. No option to give my phone number for a call back. 

I have had automatic payments for years but just tried to change accounts it pulls from and something went wrong. It didnt pull from the new account and I wasnt notified until after the late payment was assessed. Once I got notified, I paid the payment immediately and deleted the new account and re-set it up because I couldnt figure out what was incorrect about it, I still havent been notified that the account was incorrectly set up, so I dont know that was even the issue ... ..again, no one will talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. Please delete ASAP.
Product: Credit reporting or other personal consumer reports

Transunion is not following the laws!!!! I'm going to file a personal law suit ... all the other credit bureaus has removed these items and has done there job and followed the laws and Transunion has not... XXXX XXXX CREDIT CARD IS A FRADULENT ACCOUNT OPEN TO A DIFFRENG ADDRESS THAT DOES NOT BELONG TO ME THAT WASNT ON MY CREDIT REPORT!!! I sent In my police report FTC report and they have not given me the signed ORGINAL agreement so I can see who open the account who signed the agreement... I have nothing!!! I need them to remove this account off my credit asap
Product: Mortgage

I originally applied back in XX/XX/XXXX I again applied from XXXX through current resubmitted requested docs last date being XX/XX/XXXX. I have asked for confirmation and information over XXXX times to no avail. Timing is crucial and this seemingly intentional delay is jeopardizing my efforts. Please update me and answer my correspondence. I have 100 % complied and seeking a fair chance to modify or setup payment arrangements. I am ready to respond.
Product: Checking or savings account

I have overdraft protection and yet the idiots at Bank of America keep charging me an overdraft fee of {$35.00} so as to put my account into the negative. 

I have repeatedly complained in person and by letter and email. But they do nothing to stop this outrageous abuse and harassment!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These accounts are fraudulent and I would them removed from my account immediately. These accounts is ruining my credit profile and hindering me from purchasing a home.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$610.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$450.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Collection account from RADIUS GLOBAL SOLUTION with account # XXXX and a balance of {$740.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX XXXX XXXX with account # XXXX and a balance of {$590.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX. 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Product: Debt collection

I sent a letter to LVNV Funding LLC XXXX collection agency XXXX disputing and requesting validation for an account on XX/XX/2021 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that LVNV received the dispute letter on XX/XX/2021. I was not contacted nor was my validation request honored within the 30 day timeframe. Therefore, I sent a follow-up letter on XX/XX/2021, which was received by the collection agency XX/XX/2021, to request removal of this information due to the company failing to respond. 

I finally received a response from LVNV in XXXX, however, it was past the 30 day mark. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. With that being said, I am requesting for LVNV to delete the disputed and unverified accounts.
Product: Checking or savings account

I opened a new account the First of XX/XX/scrub>XXXX XXXX. I set up direct deposit on XXXX XXXX XXXX I was supposed to receive a bonus of {$300.00} for direct deposit over {$5000.00} ( welcome bonus promotion ). 
I did not get any welcome bonus. 
I chated online and also called them but they never did the necessary.
Product: Mortgage

I was in Forbearance with my lender My Mortgage was sold in to another lender they didnt continue with my forbearance agreement and decided I had to pay all the payments in forbearance And places me in Foreclosure. 
I hired a company to defend me and the mortgage company sent me a re financial proposal at 5.5 % 25 years would with many predatory clauses. 
Im including the document I would like to refinance my mortgage with with reasonable terms. 
Thank you for helping me in this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern, My name is XXXX XXXX. I had a credit card with Target. Target harmed me big time. I had an emergency trip back in XXXX due to my father in law getting XXXX XXXXXXXX XXXX. I called them from XXXX and I paid my balance. Apparently, they didn't note my account that I paid in full and took the money but didn't notate the account. After 2 months they called saying that I have late fees. I was shocked and asked them to send me statements and they never did. After few months a lady named XXXX called me and said your account is in collection and you owe this much but if you pay we will do a pay to delete. Being XXXX watching out for my father in law and not getting statements to know what's going on was for their favor. They harmed my credit. Never notated my account of payments made. When I came back to XXXX i saw that my account was not deleted as promised and when I called the lady was rude and she said oh XXXX left. I can't do anything for you. That's unfair. The ruined my credit, never notated my account that everything was paid. kept adding unfair fees and never deleted the harm of my credit report. I have faith in you guys and would really appreciate if you can help me with this matter. I spoke with Target and told them what had happened and they said call credit Bureaus and again credit bureaus say call Target. I'm really hurt and sick of this nasty game call so and so and call this and that. 

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

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX XXXX {$690.00}
Product: Student loan

I applied for the SAVE Plan and received a letter that I was approved and that my new monthly payment amount was {$0.00} for 12 months from my loan servicer, EdFinancial, on XX/XX/XXXX ( see attached ). However, on XX/XX/XXXX, I called EdFinancial about another, unrelated issue and was informed that they considered my monthly payment amount to be {$130.00}. I looked at my account history since the start-date of the SAVE Plan ( XX/XX/XXXX ) and noticed that EdFinancial had been charging interest as if my monthly payment amount were {$130.00}, not {$0.00}.
Product: Credit reporting

The following credit bureaus ( Equifax , XXXX ) have failed to update my Payment and/or Account Payment History from my Mortgage Creditor XXXX XXXX XXXX, Mortgage Account # XXXX. 

They are required to report since the first month of Delinquency XXXX, each month from XXXX XXXX until present. 

That Equifax needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Account : XXXX XXXXXXXX Balance : {$1600.00} Inquiries : XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
My information was sold and bought illegally because I am a victim of Equifax data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXXXXXX, Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXXXXXX XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies and I am attaching proof of data being breached through XXXX web and data breach from Equifax. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( account # XXXXXXXX XXXX XXXX XXXX ) ( account # XXXX ) has violated my rights.

15.U.S.C 1682 section 602 A. states I have the right to privacy.

15 U.S.C 1682 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.