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

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, 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. They failed to comply with air Credit Reporting Act, 15 USC sections 1681XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance : {$100.00} XXXXL XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$330.00} XXXX XXXX {$1100.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$8500.00}
Product: Credit reporting or other personal consumer reports

I have been subjected to egregious delays in credit reporting, as my student loans were transferred to XXXX in XX/XX/2023 from my former provider, Nelnet. My XXXX credit report has shown, since XX/XX/2023, my student loans under XXXX ( four total loans ) as well as the same four still being open accounts under Nelnet. Effectively, my XXXX credit report shows that I actively owe twice the amount of student loan debt than my balance reported through my XXXX account. I am seeking that the Nelnet accounts be closed as to not provide credit harm should I elect to finance a car or home purchase in the near future.
Product: Mortgage

I had started a va refinance loan with Rocket Mortgage { IRRRL }. They told me that va required a deposit and appraisal. A couple days later I see thru a flyer that va does not require a deposit or appraisal. I contacted the rep XXXX XXXX and confronted him about this and he finally it was Rocket Mortgage policies. I told him to terminate the application and NOT to send an appraiser and to refund my money of {$500.00}. I have not send my refund. 

I feel that Rocket Mortgage should be censored someway and other Vets should be warned of Rocket Mortgage 's lying practice.
Product: Credit card or prepaid card

On XX/XX/XXXX I and my financial advisor contacted XXXX XXXX  requesting to close out my credit card. XXXX XXXX  was the issuing bank for XXXX XXXX. On XX/XX/XXXX I made a payment of {$120.00} which reduced my balance to {$350.00}. My financial advisor pointed out that the statement dated XX/XX/XXXX disclosed that XXXX XXXX  charged me {$200.00} in fees and {$56.00} in interest for the year up to that point. My credit limit was only {$250.00} and I had not used the card to do any purchases in quite some time. My financial advisor also pointed out that the disclosure of interest of 29.24 % per annum on purchases was deceivingly displayed when in fact the finance charge was strictly calculated on fees that XXXX had been charging me. XXXX did not comply with my request to close out the account and continued charging excessive penalties and fees and eventually charged off the account XX/XX/XXXX and assigned it to Midland Credit Management. The annual percentage rate when factoring the fees is probably over 1000 %. Midland Credit Management has threatened wage garnishment and as new owner of the debt needs to justify why XXXX XXXX  refused to close out my account. My financial advisor is willing to sign an affidavit disclosing the date and person spoken to when I requested the closeout.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, Kia Motors finance contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX. As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.
Product: Credit reporting or other personal consumer reports

Charge off date is inaccurate. Previous dispute was NOT verified by knowing the accounts were charged off in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX Account number XXXX Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) XXXX XXXX Equifax and XXXX XXXX I am writing to complain an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this complaint in accordance with FCRA regulations and take appropriate steps to resolve it promptly. 
Sincerely, XXXX XXXX
Product: Mortgage

I received a notice of default dated XX/XX/year>, indicating an outstanding balance of {$15000.00}. The home has been listed for sale for several months, and while I have made efforts to keep up with payments, the default interest rate has made it unmanageable. I am requesting additional time to lower the asking price and explore the possibility of a short sale without the account being placed into foreclosure. This approach would help secure the best possible price for both myself and the lender.
Product: Payday loan, title loan, or personal loan

They have called my work and all my reference after being told not to and they told where they were from and we are working with a debt consolidation and they just out of the blue on XX/XX/2019 said if you are working with a debt reduction consolidation company we dont work with them so pay your bill. I did not mention nothing about that. They call four or five times a day to my cell and call my references and give name and company. That is against the law for people to know my info. They threatened me that I better pay or else. It started day one after late and now its ten days later and they are still doing it. My husband has account there to and they do him the same way but he is not late yet
Product: Credit reporting or other personal consumer reports

I was a victim of human trafficking and during this time my identity was compromised. The accounts listed below do not belong to me. 

XXXX XXXX XXXX XXXX BMW finance XXXX XXXX XXXX XXXX
Product: Debt collection

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION.

CREDENCE RESOURCE MANA ( Original Creditor : XXXX ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Checking or savings account

i enrolled in overdraft in XX/XX/2022 for the purpose of mid to end of the month crisis like needing food ( medication must be taken with food or i experience serious side effects and without food i cant take my medication. i attempted to make a small purchase of some food at XXXX XXXX and my transaction was rejected, this has happened every month. their rules say it can be used up to XXXX per business day., i have only used it ONCE this month and they claim that it was because of my history, well all my debits are always covered by a direct deposit on the XXXX and XXXX of the month, there is no reason to deny this, they say its at their discretion i disagree i say they are discriminating me for not being rich. after talking with many former chase customers i found that this is a common practice for chase bank to treat rich people good and poor people are treated bad. just because i am XXXX on low income ssi does not mean i should be treated any different than the millionaire. but i am and i have had enough, this has happened every month for the past several months. when i 1st signed up for overdraft i was able to use it to the limit as per their rules but now i am not, i am being discriminated for being poor!!! they refuse to honor their written limits on overdraft., my balance is less than {$50.00} overdrawn and i should be allowed to make at least 1 more and it will be coverd by a direct deposit on the XXXX. I HAVE BEEN STARVING FOR THE PAST SEVERAL DAYS AND HAVE NOT HAD MY MEDS!!! this is the fault of chase bank for rejecting my purchase and i want this unfair practice to STOP!!!!!!!!!!!! 

phone number required so i provided it but i dont answer the phone I AM XXXX! email response only please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$540.00} XXXX  XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}
Product: Debt collection

We received an initial collection letter in XXXX. Upon receiving the letter, we replied by certified mail and we requested validation of the debt. During this period, all collection must cease. We have since received another collection letter dated XX/XX/XXXX, attempting to collect the debt at a reduced amount. We have yet to receive the requested validation.
Product: Student loan

Final payment was made on XX/XX/2019 in the amount of {$520.00}, an overpayment of {$0.00} ; The student loan company ( Earnest ) then charged interest on the negative balance to bring it back to {$0.00} over the course of the next two months. 

I've called twice to try to close out the account and have been given the run around saying that it will be closed 60 days after final payment. It has been more than 60 days and the account still shows open online and I have not received a letter or email saying that the account is closed and paid in full.
Product: Payday loan, title loan, or personal loan

I borrowed money from cashnetUSA on XX/XX/XXXX the amount of {$400.00} and another {$600.00} on XX/XX/XXXX. On or about first week of XXXX I paid the amount of {$100.00}, then after 2 weeks, I paid {$200.00}, then after a week I paid XXXX, then paid another {$300.00} sometime second week of XXXX thinking it will reduce my principal. I was informed that my balance is still {$820.00} after paying {$670.00} in the span of 2 weeks. Exorbitant fees and charges I was not informed let alone agreed on the charges and fees which is incredibly usurious. The company is a corporate vulture preying on vulnerable people like me poor and ignorant. The government should protect me/us against this usurious company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as XXXX XXXX XXXX. I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ) with XXXX XXXX XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

They are continuing to report fraudulent information on my consumer report even after being notified
Product: Money transfer, virtual currency, or money service

I made a purchase online using my chime account. I read the reviews on the company on which I made the purchase and there were bad reviews so I XXXX  chimes customer service number and came across a number with chimes logo so I called it speaking to a representative, there was a bad connection. I communicated that to him, he then called me back from another number proceeded to discuss the transaction that I wanted to cancel. He asked me to go into my chime account and give him the exact information on the transaction and the process of speaking with this person I received an incoming call from my mother, which she could not hear me and I could not hear her so I proceeded to tell her that I would call her back once clicking back over to what I thought was chimes. Customer service gentleman informed me that my funds would be put back into my account from the transaction that I was disputing, he told me that it should be there shortly. He was working on putting the funds back and then noticed that my original balance of {$690.00} then turned to a - {$690.00} balance he assured me that that will be returned to my account along with the, money from the transaction that I was disputing the line, then went blank and then later learned from my coworker who introduced me to chime of my problem, and he told me that chimes customer service can be reached through the app, then reached out to chime, and they denied my claim to have my money returned then open several more disputes and all were denied. This all took place around XX/XX/year>. I asked them to provide me with what they used and their investigation, and all they sent me was a screenshot of the questions that I answered. I asked them to investigate the account where my money went and I have yet to get a response, just a denial. I also told them to look at my account and see that I do not transfer large sums of money, other than to pay my bills. Also when the call was dropped, my phone started acting very weird and powered itself off so I can contacted my phone company as well as XXXX to reset everything on my phone and add extra security.
Product: Checking or savings account

I amwriting 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.
Product: Credit reporting or other personal consumer reports

account. 
XXXX 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed and your account. 
( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer I wont all accounts REMOVED