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

Dear [ Credit Bureau ], I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : Navy Federal Credit Union Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with Navy Federal Credit Union. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 

As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Product: Credit reporting or other personal consumer reports

Reference CFPB # XXXX and Fraud Case XXXX I faxed the required documents on XXXX and when I called again to follow up on the status on XX/XX/year> I was told it was never received. 

Attached is a copy of the confirmation and docs again. Please provide your full fraud report, investigation, and your findings. 

Also XXXX XXXX stated they would email the bank statements to XXXX but it was never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instruction which I never did for any of these accounts.
Product: Credit card

Notified that on XX/XX/23 and inquiry was made by Chase to my credit report. I called Chase XX/XX/23 and they confirmed an application for a XXXX credit card was made. I did not make this application. The customer service agent went ahead and cancelled and deleted the application. I asked for further details that were submitted on the application and the agent has referred me to a different place on their website to ask for this information through their identity theft process.
Product: Credit card or prepaid card

There were 9 purchases on my Citi bank credit card made in various XXXX stores in Texas which I did not make. All for the amount of {$300.00} each. XXXX and XX/XX/23. My claim was rejected with Citi bank claiming my credit card was present at the time of purchase. My position is that I was at home in Missouri during this period along with my credit card. 
I had obtained a police report which Citi bank had requested. They asked for proof I was in Missouri and at their suggestion I supplied another credit card statement showing purchases made in Missouri during the same time period.
Product: Checking or savings account

Early in the COVID-19 pandemic, I reached out to Chase to identify myself as our family had been impacted financially. I requested Chase refund a multitude of NSF fees and shortly there after, they began automatically waving them without a phone call which I found as a pleasant surprise and assumed it was due to my call to identify our hardship. 

Not long after this practice began, uncommunicated, it shortly stopped in the same manner -- without communication -- and I found myself with hundreds of dollars of fees taken from my account beginning at the end of XXXX. 

I contacted Chase to inquire why they stopped this practice when the pandemic was really only ramping up and I had not called to identify myself of being back in better financial shape -- our family was still on a reduced income. They stated that Chase had decided as of XX/XX/XXXX to only refund fees if you call to ASK them to be removed and they would impose a maximum refund of 8 fees daily, regardless of how many they charged you. 

In many instances, I had to make multiple calls daily to request 8 per day for 3-4 days in a row. The real issue becomes when they take  days at a time to refund these fees, meaning your account is in a negative balance longer than necessary and you continue to rack up more fees. 

As of today, I have spent more than 2 hours on the phone with 4 different representatives trying to get the refund of 8 fees which I requested on Thursday, XX/XX/XXXX which according to the agent at the time I filed the claim, should've been returned to my account in 1-2 business days. Today is the third business day and now the account will be overdrawn if not refunded today ( due to automatic payments coming from the account ). If the account is overdrawn, then they will impose at least three more fees of {$34.00} each meaning I will be required to call back and request ANOTHER round of fees to be refunded and wait god knows how long for that to be reflected. 

This is a cycle of debt and fees that is harmful to me as a consumer when I have already disclosed to Chase the impact of covid-19 financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX, XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion XXXX XXXX is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX OF XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Chex System Report was shared without prior knowledge and consent to XXXX XXXX XXXX XXXX and it contained errors that kept me from being able to open a deposit account. 
( ( ( Errors include the XXXX items below with the - symbol in front of them : : Score : XXXX Score Date : XXXX The principal reasons that influenced this decision are : - PROPERTY OWNERSHIP HISTORY - NON-DEROGATORY PUBLIC RECORD HISTORY - ASSET OWNERSHIP HISTORY To contact ChexSystems, you may use one of the following methods : ) ) ) Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the information they report. Additionally, consumers must be informed when their information is being shared.
Product: Debt collection

NRA collections company contact me XX/XX/XXXX, I received XXXX letter stating I had a debt. I contacted them and said that I believe it was paid in full. They said put the account in dispute. I never heard from them again. After calling them today, XX/XX/XXXX, they said that I asked that they do not call me, I do not recall that. They turned it to collections, reporting that they have tried to collect it for 7 months. I have never received a request for payment, they did not list on my credit report that this is " in dispute '' as they told me. 

They list it as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' I disputed it, never heard anything else, not one letter or phone call. Now on my credit report showing, very unethical business practices, very rude, very unprofessional. XXXX in the XXXX office was rude and unprofessional. They told me to put it in dispute, I did, and never once contacted me again with verification of debt. 

I requested Name, Address and License Number and they hung up on me. Three times. 

They do not answer their phones, transfer you again and again, hang up while on hold. I was asked repeatedly to be put on hold and no one ever comes back to the line. I was on hold for two full hours today. 

I never received written notice of the dispute verification within the 5 day allowance. 

They listed on my credit report that they have tried for 7 months to collect, they have not tried even once to contact me, and they can not be reached for questions/concerns.
Product: Debt or credit management

The office law firm of stillman debt law firm collector. 
The office where I work has issued two letters asking my boss to garnish my wages. 
I still to this day do not know who is the company that is using me and if there is any proof that I used their business to purchase any products or get a credit card. 
Stillman office has now placed a Marshall of Connecticut to harass my boss to pay an amount to a collector that I do not know. 
I have not been called, emailed or mailed any notice of any pending debt collector that I owe.
Product: Student loan

The interest rates we are charged are shark loan types. Our highest interest rate is 14 %. The lowest is 8 %. Our original loans were XXXX and now we are up to almost {$200000.00}. We can't consolidate because my daughter didn't graduate. We did find someone to consolidate but our debt to income level was disproportionate. I am nearly XXXX and XXXX in debt is insurmountable. I will pay it. I would just like the interest rate to stop. Haven't I incurred enough interest? Additionally ... I lost my job in 2011. The student loans were too much and I filed for bankruptcy. Somewhere along the way they didn't include one of the loans. I wasn't aware and now we are in default. They want immediate payment. I don't have enough to come up with the amount they want. I would like to just refinance all of it and pay it all if I could. I am not trying to get out of it. Just make it reasonable.
Product: Debt collection

This debt is XXXX years old. They bought the debt one month ago and decreased my credit score by XXXX points. They are representing this debt as new. Two credit agencies have removed it from my credit report. XXXX states that this meets the fair credit act. Not to worry because it falls off in XX/XX/2024. This should be removed, please. Atleast updated that this is XXXX year old debt. I feel it should be deleted though. These collection agencies should not be allowed to do this. I have had 3 debts from XXXX  years ago recently put on my credit in the last 90 days. One was completely removed. One is still on there but in dispute and this one. Thank you!
Product: Debt collection

Outrageous threatening vulgar calls, repeated from Cavalry regarding a debt that was purchased from XXXX. They called me on my cell, and at all hours, some times as late a XXXX. When asked to stop calling me they just continued. During a severe illness I gave them banking information to take payments before I realized what I had done and was able to research this account balance, found I did n't owe it and told them to cease taking money from my checking. But they continued to take my money after I told them to stop, that I did n't owe this debt. I sent notification in writing telling them to stop calling and stop debiting my checking account but they continued. After reconciliation I found they claimed I owed was paid off and I have proof of payment. I ended up having to close my checking account to stop them from fraudulently stealing my money. We are going to court and I hope the Judge at the very least dismisses this case and gives me a refund. They changed their name several times as well from Cavalry Collections to Cavalry SPV LLC to Cavalry SPC I LLC. The methods are less than circumspect they are vulgar, threatening and harassing and need to be investigated and stopped.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This letter is to inform you that the above referenced account being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : FALSE ACCOUNT AND FRAUD ; Inaccurate Information reported.If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records. Sincerely, XXXX XXXX
Product: Checking or savings account

After having an overdraft account to fund any pending overdraft charges, Huntington Bank has repeatedly charged my account such fees. I have spoken several times with a bank representative, " XXXX XXXX '' at the XXXX location. His direct number is XXXX. 
XXXX XXXX told me that he will speak to his bank Manager to get the funds back into my account, however, it has been three weeks. 
My account has been damaged due to these unauthorized charges. 
Any assistance to resolve this matter would be greatly appreciated.
Product: Mortgage

We have spent 5 months trying to close a 3 % refi with XXXX XXXX and his team at Amerisave Mortgage Corp. We paid for an appraisal, and have provided all the necessary documents on time ... some several times. The team was unable to deliver the mortgage after several promised dates. Our lock on the rate ran out and had to be extended 3 times. After much frustration and consideration we walked away. We have since begun working with XXXX, and after 4 days they are nearly ready to close. We feel we were dragged thru a lot of repeated questioning and harassment. Amerisave continually called our insurance agent and harrassed them. They actually asked the agent to violate her license and change numbers on a document by cutting and taping new numbers over the actual ones on the document. This is totally unacceptable and was very embarrassing to us. This was a complete failure to deliver.
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding erroneous late payment information to Experian, pursuant to the Fair Credit Reporting Act. I submitted the dispute via Certified Mail on XX/XX/2024 and the delivery confirmation shows it was delivered to Experian XX/XX/2024. On XX/XX/2024 I received an automated email from Experian stating : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' The request I sent contained all information requested by Experian, including a copy of my driver 's license and a recent utility bill from my home address, where I have resided for over 12 years. I sent the request on my law firm 's letterhead which included all of my contact information. Upon receipt of the automated email from Experian, I repeatedly tried to call every phone number published by Experian to ask why my dispute was being ignored but I could not get the automated phone system to put me in touch with anyone. I was repeatedly hung up on by the automated system.
Product: Credit card or prepaid card

i told them on XX/XX/2017 not to raise my credit limit over XXXX but in a few months time they raised my credit limit to XXXX and in no time my bill was XXXX & most of it was cash advances at the casino i am a XXXX XXXX thats why i told them in XXXX not to raise my credit over XXXX i dont think i am resp onceable for XXXX of my bill.
Product: Mortgage

Bank of America has tried 3 times to foreclosure on the property they do not have a lien. The property located at XXXX XXXX XXXX does not have HELOC # XXXX attached and have been notified and reminded the lien secured for XXXX XXXX XXXX XXXX XXXX been paid in full by a title insurance claim. Bank of America is negligent and incompetent in dealing with a loss mitigation situation. Bank of America continues to hire XXXX and XXXX to foreclose on a property is not associated with Bank of America HELOC # XXXX. The XXXX  XXXX XXXX that authorized this continuing foreclosure needs to be identified and reprimanded. The property at XXXX XXXX XXXX is free from any Bank of America HELOC and the title clearly shows this. This is reckless and criminal behavior by Bank of America. We ask the CFPB is regulate and enforce action  against a undisciplined tyrant Bank of America.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXXXXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FL XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Creditor : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX XXXX and transunion breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately and update the 4 late payments on my XXXX XXXX to never late paid as agreed. in accordance with the FDCPA.
Product: Payday loan, title loan, or personal loan

About three days ago a XXXX XXXX, Called me from California Department of legal services was what he left on my cell phone message he also called me at worked and has called my mother! When I talked to him he said he was calling from integrated recovery services about a loan I took out XX/XX/2016 he said if I didnt pay ASAP he was taking me to court that I need to pay {$2100.00}, I said do a payment plan I just lost my home do to the fire we had in California, he didnt want to give me a license number to the company he also only wanted a XXXX  or XXXX! He harasses me when he Calls I just want to know that company is ligit!! The number he calls from is XXXX my account number is XXXX. Today I went to XXXX XXXX XXXX and they gave me a # to call there close. I need help please
Product: Debt collection

I have continually disputed an account with Huntington, I have verified information on account is not mine and when account is disputed with company they intentionally harm credit. When you look at account you can see their continue to add derogatory marks that are stamped for this current year as a way to intentionally harm and destroy my credit. They also continue to report the card as over the limit to further harm credit. Both are violations of FCRA and with XXXX  assistance they have continued to do so.