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

Obviously these people at XXXX XXXX do not recognize the laws and have been very harassing to my wife 's email. I have reported the identity theft to fTC, XXXX XXXX XXXX  and the police department and the said they did an internal investigation. I am a XXXX and a veteran. I have asked them to produce my signature because XXXX sign for everything which they have yet to provide me with. Because of these guys I had to put a fraud alert on my account and have had to close other accounts. My wife is very upset about her business account being used. for these harassing calls. They even called her phone pretending to be IRS. There is another review that a person went through the same thing I am am going through.
Product: Credit reporting, credit repair services, or other personal consumer reports

they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 


all ftc errors
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Account isn't reporting accurately a Chargeoff account can not hold a balance owed and these accounts are reporting different activity dates this a FCRA violation for misleading false reporting XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX  : XXXX XXXX. XXXX XXXX XXXX  : XXXX XXXX. XXXX XXXX XXXX : XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX : XXXX XXXX. XXXX : XXXX INQUIRY XXXX. XXXXXXXX XXXX XXXX XXXX  : XXXX COLLECTIONS XXXX. XXXX XXXX {$1400.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE 2. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX  {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX XXXX XXXX  {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX XXXX {$870.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$210.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE
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 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. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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, credit repair services, or other personal consumer reports

I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement. 

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

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX NXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. 

Listed below This account should not reflect as negative : XXXX. XXXX XXXX XXXX XXXX XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITIBANK AND ALL ACCOUNTS IN THEIR DAD BAES MUST BE AUDITED/CREDIT REVIEW ON XXXX ONLY. 

MAKE XXXX REMOVE ALL REPORTING FRON XXXX TOO! 

CITIBANK 14 PLUS XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On several occasions I have disputed the XXXX XXXX XXXXXXXX credit card account that appears erroneously on my XXXX and TransUnion credit reports without receiving an effective response to the request, and I even made an identity theft report that I also sent but XXXX and TransUnion note that they did send it. not conducting an efficient investigation to determine that the account that appears on my XXXX XXXX XXXXXXXX card credit report does not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other active accounts that are currently reporting and that is why I request that this erroneous account that appears in XXXX AND TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous one shown in XXXX and TransUnion. XXXX XXXX XXXXXXXX Account XXXX XXXX ( unknown ) : Please remove it from my credit report. Status of this account XXXX XXXX XXXX, XXXX DAY LATE. LINE OF CREDIT {$500.00}. I have contacted the bank and they tell me that they do not have any information about me in their database for this card XXXX XXXX XXXX XXXX XXXX FL XXXX : Remove from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from XXXX, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint to the credit bureaus regarding inaccurate items on my credit report. My complaint have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX NEW RELEVANT EVIDENCE NUMBER XXXX Equifax is reporting and publishing inaccurate information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The XXXX XXXX account you are publishing about me is inaccurate because : Equifax is reporting and publishing inaccurate information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The XXXX XXXX account they are publishing about me is inaccurate because : On several occasions they have claimed to have verified the XXXX XXXX account as being accurate. Im providing new and relevant information that proves the information is not accurate. According to the XXXX XXXX Explanation of Surplus or Deficiency the balance they calculate is {$27000.00}. However, they failed to include refund they received in unearned premiums for the XXXX XXXX which was canceled prior to the contract termination date. The request to cancel the policy was processed and a refund was issued in the amount of {$1400.00}. This amount was refunded to XXXX XXXX. XXXX XXXX never adjusted the deficiency balance. The balance remains {$21000.00}. I request that you DELETE the above-listed tradeline and provide me an updated consumer report. Inform any person that you reported the deleted information to that it was deleted from my report I have a right to an accurate credit file and discrepancies like this are unacceptable. XXXX XXXX is required to report accurate information. The reporting of this inaccurate information on my credit reports will be considered a violation of the UCC 9-615, UCC XXXX XXXX FDCPA and FCRA. The following evidence exhibits are included : 1. Explanation of Calculation of Surplus or Deficiency ( XXXX XXXX ) 2. XXXX XXXX XXXX 3. My letter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX response
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
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 some 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 looking forward that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to finishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Remove all accounts reported.
Product: Checking or savings account

I opened an account at BB & T bank in order to be able to manage my social security banking. I was sent an official check but the Treasury Department and my check was put on hold for over a week. They said its because I have a new account but I tried to make a deposit at the atm and my account has been frozen until the hold is taken off of my account. I have been in contact with the bank and each time I try to fix it the situation seems to become worse for me. This company is holding my funds hostage and its a shame. Im am on XXXX and the stress of all of this has become too much.
Product: Credit card or prepaid card

I have a Guitar Center store card that is financed through Synchrony Bank. My account is in good standing and I have been making payments regularly for many years. Due to covid and my loss of work my credit score has degreased and Synchony bank decided to close my account because of my low credit score even though I have good history with them.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and Transition is reporting that my account is XXXX days past due and the XXXX is reflecting that my account is XXXX  days delinquent. This has caused me issues in securing credit.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX : Pursuant to the CFPB XX/XX/XXXX Consent Order, I have attached a letter and proposed settlement of my case for your review. 

I previously wrote to you about the corrupt litigation being advanced in XXXX XXXX, Texas by XXXX XXXX attorneys who ignored bankruptcy laws, drafted fake orders and forged and fabricated documents to steal my property for XXXX XXXX. 

You never responded to my concerns and evidence and I am writing again pursuant to the CFPB Order. 

Please respond to my XX/XX/XXXX offer of letter and apprise me whether XXXX XXXX wants to settle this case. I have provided a XX/XX/XXXX deadline to settle all claims. 

Also, to remain transparent, please provide this attached letter, proposed settlement and attached " Exhibits A-N '' to the XXXX XXXX XXXX of Directors and XXXX XXXX XXXX XXXX. 

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

Submitted a dispute three times in regards to the incorrect information reporting on my consumer report and bureau refuses to change it and says information will remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX and TransUnion  credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested XXXX XXXX XXXX provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is NOT validation. ( see attached ) XXXX XXXX XXXX sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several dispute attempts to all 3 credit reporting agencies on (XX/XX/XXXX,XX/XX/XXXX) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, and (XX/XX/XXXX,XX/XX/XXXX ) TransUnion requesting the validity of the account on my credit report. I repeatedly asked for Validation as well as Verification and even requested the method of verification and TransUnion credit reporting agency has NOT provided the method. I have given TransUnion ample time and opportunities to make the appropriate corrections to my credit report and they failed to do so. All reported data must be complete, correct, and proven if challenged, otherwise the account must be removed from my credit report per FAIR CREDIT REPORTING ACT.
Product: Checking or savings account

I opened an account with Synchrony and made an initial deposit of {$40.00} on XX/XX/2018. 
I later made another deposit for {$900.00} on XX/XX/2018I further logged into account to see it is restricted. The message instructed me to call XXXX called immediately and spoke with customer service. Customer service was not able to tell me why account was restricted. She ( customer service ) said she would put in a request for back office to contact me. No call from back office as of today XX/XX/2018. I called several more times and emailed them a message as to why my account was restricted I withdrew and electronic payment on XX/XX/2018 for {$430.00} ( see documents attached ) an account was restricted that following day. I was told by letter 3- 5 business days. ( see attachment letter ) I was told by phone on Monday by a supervisor, he escalated this and should receive a call on today XX/XX/2018. no call. I called again today at XXXX and spoke with a supervisor at to why my account is being restricted and was told I would know something in 90 days. 

This is unfair in my opinion to hold a consumer money for 90 days. I was told during this time, I could deposit money, but could not take any out on today.