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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$500.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB Finding against Navy Federal or similar practices where transaction settled with insufficient balance dispute initially available funds. I believe these practices are unfair and request an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Information has been merged with someone else. There are addresses on my file that do not belong to me, these addresses are not authorized to be on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to send me correspondence that there is a balance owed and due when in fact we have settled the account and the account balance is zero. XXXX has not updated the credit reporting agencies and will not provide written confirmation that the account has been settled and is at a XXXX balance and has not provided that information to the credit reporting agencies. XXXX XXXX at XXXX will receive this complaint and that is the person who I have been trying to get this information from. XXXX is not going to provide an unbiased response on this report and so it should be transferred to another corporate representative to prepare the response.
Product: Checking or savings account

On XX/XX/year> I had money deposited on my card and went to pull it off and my card would not word money was not deposited on it. Had to wait 2 days for my money. Needed it that day for gas to get to work. Missed word XXXX  XX/XX/year>. I lost a day of work so I'm out 8 hours of pay. I think I should be untitled to something.
Product: Credit reporting or other personal consumer reports

ATTACHED IS A POLICE REPORT, PICTURE OF MY ID AND SSN CARD AND FTC REPORT! 

PLEASE DONT RESPOND THAT YOU NEED ID VERIFICATION BC ITS ENCLOSED, PLEASE DONT SAY THAT THESE ITEMS ARE VERIFIED BC HOW CAN YOU VERIFY IDENTITY THEFT! 



Please be advised that this is my XXXX XXXX WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 


XXXX XXXX amount {$XXXX} account XXXX identity theft date opened XX/XX/year> XXXX XXXX  amount XXXX account XXXX identity theft
Product: Checking or savings account

On XX/XX/year>, I wired {$10000.00} from my bank to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NAME : SXXXX XXXX XXXX XXXXXXXX ID : XXXX. This was for an investment that I discussed with the company representative XXXX XXXX. The following below was an email sent to me and I have a signed contract with the same information. Receive XXXX XXXX monthly for each of XXXX patients- {$2000.00} monthly Guarantee of XXXX payments minimally - {$40000.00} income on your {$10000.00} expense Accelerate first XXXX payments into XXXX payments - {$5000.00} each in XXXX and XXXX ( you will be whole on your initial {$10000.00} within 90 days ) The remaining guarantee will start in XXXX and continue for at least an additional XXXX payments, which means you achieve a minimum of XXXX on your money. This never happened so I requested a refund from XXXX XXXX XXXX  as this is fraud and I also requested a refund from Ally bank on more than one occasion ( CASE # XXXX AS OF XX/XX/year> ). I have reached out multiple times and they have done nothing to obtain the refund as this is fraud.
Product: Mortgage

Husband XXXX and I, now XXXX, are in business together. We XXXX. for 30 yrs. and XXXX. Husband gets diagnosed XXXX at age XXXX, wife takes over total running of business to keep our income. Cost of hubbies XXXX XXXX $ XXXX/mo. or $ XXXX/year and going up appx. $ XXXX/mo. or {$3600.00} in annual increase. We have no long term care insurance. Wife rekonizes income shortgage and applies to re-finance XXXX. to get lower fixed interest rate, 4.375 % quoted at time of application to replace 10 year arm mortgage with {$1400.00} to principal and {$980.00} to interest each mo. Loan size is {$400000.00}. I submit documents : Signed application, Power of attorney, trusts, XXXX XXXX account, all insurances, copy of mortgage statement, copy of rental agreements, rents received, other sources of income, 3 months of checkbook activity, they run my credit score, they report XXXX. Building is appraised at {>= $1,000,000} by their appraiser. They are now dragging their feet, telling me they have to study my many documents. They gave me a lock, expiring XX/XX/2017. I now fear they will deny my application due to age XXXX and hubby with XXXX. Do I have any rights at all. Currently I am struggling with high cost of XXXX XXXX. XXXX. I became very sick myself in the 5 years of XXXX prior to putting him in his XXXX. I must however continue working, and keeping the business going. Thank you for allowing me to voice my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account isnt mine. I tried to communicate with them but is almost impossible. Is an authorized user and is damaging my credit score.
Product: Credit reporting or other personal consumer reports

Ive recently received mail stating a response dating XX/XX/year> from XXXX only and i believe i requested the information that all three bureaus send me direct proof of the information from the furnishers that is being reported to them regarding the information on my consumer report also asking if i did not receive that exact information i demanded deletions of those reports as ive been asking for the last XXXX. THEY ARE STILL INACCURATE which you will see in the files i upload. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. 

I want the original files with my written signature in ink that has been reported from these furnishers to the credit bureaus giving my authorization to report my private personal information to the following accts. If can not provide i demand DELETION as i do not authorize these third party companies to report on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information *DISCLAIMER : Myreport is not a guide line to update your information, ... its only to show that the information you're receiving from the furnisher is INACCURATE so you must delete without prejudice!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is in response to your computer-generated letter dated XX/XX/2023. Your letter states that you have decided to cease the investigation of the incorrect items I have reported to you because in your opinion I am the client of a third-party credit repair agency. 
You were advised by me on my letter dated XX/XX/2023 ( copy enclosed ) to investigate a few things that I believe are inaccurate. That request was written by me and mailed by me-not a third party agency. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. And FYI, I did some research on the matter and found that there is no law forbidding a consumer from using a credit repair agency, which makes your response even more absurd! 
As a matter of fact, Congress has found the process so overwhelming that they specifically afford consumers the right to use a third party agency on their behalf if they so choose. Congress also reserves my right to sue a credit bureau for violations of the FCRA.

I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and you are now stalling the process further. I realize disputes may be expensive and therefore it is your job to stall them but you do so at great risk. 
Please take notice that this letter dated XX/XX/2023 is a formal notice to you that I am requesting for you continue moving forward with my XXXX dispute investigation request. 
Send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not XXXX more. 
I am outraged at your accusation and I have fully researched my rights in regard to my credit file. I look forward to your expediting my XXXX dispute request immediately. 
Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX  XXXX XXXX account number XXXX XXXX XXXX XXXX/ with account number XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX  XXXX with account number XXXX XXXX XXXX XXXX with account XXXX XXXX Best Regards,
Product: Debt collection

see attached I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Collection/Charge Off : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AND XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Date Reported : XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/2023, I applied for a mortgage from Rocket Mortgage online and received a phone call from XXXX XXXX, the mortgage banker. He reviewed my application, then asked for my credit card for an " appraisal deposit '' of {$500.00}. He explained if the appraisal report is {$600.00}, then I will be charged the remaining {$100.00} balance at closing. XX/XX/2023, the purchased agreement was terminated due to issues noted from the inspection report I paid for and HOA review. I emailed the mortgage banker and when I got no response, I called Rocket Mortgage. The representative agreed that no report was ordered yet, but they may take money for the credit report, which I questioned since it was supposed to be a deposit for the appraisal. Please note credit report and other proposed settlement fees were disclosed AFTER taking my credit card number. I called on XX/XX/2023 to get the status of the refund request, only to be told they refunded {$350.00}, and they were keeping {$50.00} for credit report and {$100.00} for appraisal process ( stuff they do before one is actually ordered, he said ). When I expressed my displeasure with using the deposit for something that was not disclosed, and due to my background in the field, there is no way what they did was legal or acceptable, the rep then said he would review to see where the money went, he returned to the call and said he would have someone take a " deeper dive ''. I spoke to XXXX XXXX in escalations who stated she would have an answer for me within a week, trying to convince me that sometimes they put in the appraisal report order and there's a cancellation fee. I advised I would report this since I received misinformation initially, during and after, I know to be untrue during a loan origination process.
Product: Money transfers

Want to transfer money from Bank of America / XXXX.to XXXX. Completed paper work. And medallion signature. Money still not transferred. XXXX had paperwork for almost 2 weeks. Called XXXX XXXX VP in XXXX and lleft messages to call me back and has not done so. If on vacation message did not indicate that or to be referred to another person.
Product: Mortgage

XXXX XXXX I owe about 13 % on my house. I purchase it for {$180000.00} in XXXX and now I owe a little over {$24000.00}. In the state of Georgia, Lender are supposed to drop mortgage insurance once you reach 20 % of your original loan. I called the Wells Fargo last week to drop my mortgage insurance and was told by Wells Fargo they had to put in a request. I receive a letter today, XX/XX/XXXX, where Wells Fargo refuse to drop my mortgage insurance even I will pay my house off in XXXX of XXXX. Wells Fargo is always trying to get more money out of it customer. This is my second house that I purchase through another bank and Wells Fargo brought my loan. I have tried to stay away from them due to unfair practices. The loan I have stated that I can drop my mortgage insurance.
Product: Checking or savings account

I received in the mail on XX/XX/2019 a very terse letter letter saying my checking and savings accounts will be used on XX/XX/2019. 
no reason at all. 
I have not had bounces at all, i keep a balance in my savings account to cover overdrafts.
Product: Checking or savings account

Too many incidences to count but typically, as soon as i get paid biweekly, on XXXX, first thing i do is pay bills like my phone bill. i pay. the money gets withdrawn immediately. i know how much i have left over. i spend a little on the weekend. my account gets low. 
then on XXXX, i get hit with multiple overdraft fees ( always {$35.00} ) for a bill that i paid on my payday XXXX, that Wells Fargo paid on the same Friday like my phone bill. happened all the time. been to the bank and they reimbursed me once. Been a client since XXXX. plus there were random little withdrawals they couldnt explain. usually in the range of {$50.00} - {$60.00} dollars every month. 

They did this to me for almost 8 years, from XXXX - XXXX until i decided to transfer my direct deposit to another bank because my account with them went into the negative even after multiple instances of showing screenshots that they paid a bill and i still had plenty of money left ; they refused to anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data
Product: Debt collection

On XX/XX/2019 I mailed a payment in the form of a money order First Class, Certified mail to First Progress in an attempt to satisfy a debt they stated I owed in the total of {$120.00} to the following address that was given to me over the phone by their company and was also reporting on my credit report : XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX. On or around XX/XX/2019 I contacted XXXX XXXX to find out if they had received the payment, since I had not received a receipt or any correspondence, and a representative from their company stated that they had not received my payment. However, when I checked the tracking number it states that the letter and payment I mailed arrived XX/XX/2019 at XXXX am to a Postal Facility in XXXX XXXX, TN XXXX and was " Delivered, Individual Picked Up at Postal Facility XXXX XXXX, TN XXXX '' at XXXX XXXX on XX/XX/2019. When I questioned the First Progress representative about who may have picked up my payment they informed me that I had mailed the payment to the wrong address. I am certain that I addressed the payment to the same address that they gave me over the phone when they called to collect on the debt and the same address that was reporting on my credit report. I would like to dispute this account that is reporting on my credit report as if I still owe a balance on the account when in fact I paid the account in full.
Product: Debt collection

diversified consultants is collecting for XXXX. acct was back in XXXX I had no service or signal so I purchased air wave equipment to obtain signal. XXXX stated I needed a secondary line to connect the equioment. XXXX denied me access saying my account was not eligible. XXXX failed to provide a signal that would allow me to reach any service, therefore I canceled my account. I do no know what charges could of created such a high balance of XXXX I am not liable for any termination fees as XXXX breached their own contract. I am unable to obtain records since my account is inactive status. diversified is only a middle man however such disputed verified acct is damaging my credit and they refused to remove it. this account is also past statute reporting and was illegally reaged.
Product: Money transfer, virtual currency, or money service

I had multiple transactions over XXXX when buying a house and had issues with Chase Bank sending the money as needed when needed and always giving me errors. I asked for documents as well and was told yes and never got sent the documents. They also had a security breach where my information was taken but when I called chase bank about it they said no it was not but never provided any more details.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been the victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have notified this company via certified letter twice to verify the debt they are attempting to collect, with no response. I have never received any correspondence from this company. I also believe the date in which this company acquired the debt is incorrect. According to my records there is nothing in my finances that reflect such debt.