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

I mailed a Multiple  Inquiry Removal Letter  to EQUIFAX on on (   X/XX/2017  )  by certified mail in order to dispute information, in regards to  (   XXXX   ) i nquires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they never completed an investigation nor have they contacted me within the 30 days required by law. The request that I submitted included Inquiries that were NOT factual. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a respon se ( NUMBER ) d ays after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   I have n't been successful at getting in touch with anyone over the phone and other means to follow up with regards to my  Official Request.
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Credit union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagging 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 and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 DEPT OF EDXXXXXXXX  However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX,2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. 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. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Mortgage

My mortgage loan was transferred to Freedom mortgage in XX/XX/year>. After they did the escrow analysis for my loan, I believe there is an error on tax amount that cost my mortgage payment increased by more than {$1000.00} per month ( {$4000.00} to {$5300.00} ). I tried to resolve this problem with freedom mortgage since XX/XX/XXXX till now but nothing is being done beside asking me to wait from week after week. {$1000.00} is the big increase for mortgage payment. I have been struggled financially because of that. Please help me with this problem so they can resolve this as soon as possible. Thank you.
Product: Debt collection

ability recovery is trying to collect a debt i don't owe. i have responded to them by mail and they still reported to my credit as a collection related to a XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent an official letter stating card ending in ( XXXX ) has been closed since XXXX. Equifax and XXXX shows a reporting of account is still open in the years ( XXXX & XXXX ) and still reporting actively. They have sent me a letter saying they made mistake and rep did not officially closed card down in XXXX when it was paid in full, and now its actively being reported. Please accept this letter from XXXX XXXX that is attached in the complaint and resolve this credit reporting issue urgently! I am closing on a house in 2 weeks and this can not wait 60 days to resolve. Please give a detailed explanation as to why this can not be resolved with official letter provided by the company stating this is an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

A student loan was fraudulently taken out in my name ( spelled incorrectly ) ( with wrong address ) For XXXX XXXX XXXX. I have been trying to have the fraudulent information removed from my credit reports. The loan ( though XXXX was proven to be fraudulent was removed from my reports ) Now XXXX XXXX XXXX has forwarded the account to a credit agency, I have repeatedly explained this is a fraudulent account, since XXXX  it is still on the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed the same items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Supervisor name XXXX ( refused to share last name ) and states I don't have a phone number made remarks to me about my account be closed based on my gender. Account has negative balance and Discover Card will not return money or state why the account was closed.
Product: Debt collection

I received a pre-legal notification letter from midland credit management on XXXX XXXX, XXXX. I owe a XXXX credit card debt of {$730.00}. I called to ask them for a lower settlement amount. On their website, I saw that it could be settled for {$300.00}. The person I spoke with told me, " there are no deals. I can put you on hold but we do n't make deals ''. I asked her why the website says there are settlement amounts. I told her I ca n't afford {$300.00}. I lost my second job. I told her I might as well file bankruptcy. It 'd be cheaper. She then began to tell me about my bankruptcy in XXXX and how I ca n't file again.. she was rude, vile, hateful and unethical. I called to settle a debt by payments or a settlement and I wound up berated. She asked me which attorney I will be using. I told her XXXX XXXX in XXXX XXXX, mo ... I called back later to talk to a different person but spoke with the same one. She said the account is now in litigation. How is this possible? How are they allowed to speak to people in the manner they do? They are ruthless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that I disputed that they alsaid are correct but they are not. The dates are wrong. Under the FCRA they are to investigate and report 100 % accurate info. How was it accurate if the. Last reported date is wrong and last activity date is wrong. These accounts should be deleted for in accurate information.
Product: Credit reporting or other personal consumer reports

My credit score was lowered by TransUnion which supplies information to XXXX  XXXX XXXX. The reason was too many open accounts. I am Retired and only owe what is currently on my credit cards. The accounts total that are open has a XXXX balance which I paid off in full and another account with XXXX balance which XXXX of it has a XXXX interest promotional component for a year. My score went down with XXXX open credit card accounts. XXXX had balances nowhere near my limit. If you have XXXX accounts open with around XXXX balance out of XXXX in credit and never failed to pay on time how can TransUnion downgrade my credit?
Product: Credit reporting or other personal consumer reports

equifax will not give me a score or credit report of my profile nor have they deleted any inaccurate item they that i disputed it. 
requesting for them to give me a score and delete the inaccurate items they are reporting on my file
Product: Credit card or prepaid card

Someone applied for a capital one credit card under my name. The fraud department removed the application but I still want to know who has my information.
Product: Credit reporting or other personal consumer reports

I am in objection to this type of reporting because : They have knowingly submitted my personal information to consumer reporting agencies, the result of their deceptive behaviors have successfully created this tradeline with late payments on my credit report. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. I demand you delete this late payments from this tradeline across all consumer reporting agencies and no further action shall be taken on my end. Failure to comply then I will take the necessary steps in order to obtain justice due to your unfair and deceptive collection methods.
Product: Mortgage

You closed a complaint and marked it duplicate when it was a new complaint that has not been resolved .I payed {$250.00} to principal in XX/XX/XXXX and {$240.00} additional in principal in XX/XX/XXXX I have called weekly and emailed numerous emails and still have no answers or written documentation as to where my additional money has gone -please help!!!!
Product: Student loan

XXXX XXXX XXXX ( XXXX ) XXXX contacted me on XX/XX/XXXX stating that my accounts was 95 days over due for an XXXX payment. I've paid on-time and over the minimum balance ( see below ) since XX/XX/XXXX. After inquiring and requesting details, the Customer Service team was confused and couldn't answer the XXXX payment. XXXX  was unable to resolve the issue and I'm concerned this will effect my credit rating. 

XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a copy on my consumer report, and I noticed that someone else information was added to my credit report. I immediately contacted all parties involved about this matter and have tried to work this out to get this inaccurate information removed from my reports. Under the Fair Credit reporting Act this is a violation of my rights as a consumer. XXXX XXXX XXXX is reporting an auto loan that does not belong to me, the CFPB States the FINANCE COMPANY XXXX XXXX XXXX IS IN VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) for false and inaccurate information.
Product: Debt collection

I called Southern Management Systems in an attempt to pay off the debt that is listed on my credit report. I called the number listed, and spoke with an operator who took down my name and number and said that she would give it to the person who I need to talk to and they would contact me. The gentlemen then called me back and said that I owed {$1200.00} and that he would settle for XXXX % which was {$930.00} but would just make it an even {$900.00} and remove it from my credit report. I said ok, will you send me a letter or some sort of confirmation of this agreement stating that if I pay {$900.00} then you will remove it from my credit. He responded " No I will not do that. '' I asked how I am supposed to believe him or have proof that that is what he said and he kept saying that he wo n't do it and then proceeded to call me a " liar. '' I asked how I am a liar and he said I just lie and that 's what I do. I 'm not really sure what that had to do with anything at all, but I just asked for proof again and he said after I pay him he will. I said I wo n't pay you until you give me some sort of proof of agreement first and he then said he was going to hang up on me and he did. I just want to get this taken care of and I do n't know how else I can do that if they wo n't even accept my payment. It should be standard for someone to ask for a written agreement of some kind and he completely refused. I do n't feel comfortable paying {$900.00} and running the chance of him going back and saying he did n't say that and not removing it from my credit. I also need proof of payment for a new apartment that I am trying to get.
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA XXXX entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Debt collection

Today, XX/XX/18, I was contacted by this number and asked to identify myself. I asked who was calling me and the agent stated that because they were on a recorded line they could not divulge who they were or where they were calling from until I identified myself as the person they were trying to reach. I again asked who was calling me and where they were calling from. I was told, again, that the agent could not tell me until I identified myself as the person they were trying to reach. I told the agent that they called me, so they needed to tell me who they were and where they were calling from before I would confirm or deny my identity. Again, I was told that because they were on a recorded line, they could not divulge that information without me identifying myself.
Product: Bank account or service

I am a victim of fraud. I did go online to be a mystery shopper and was contacted to a assignment for XXXX XXXX. I was XXXX a check {$1900.00} for my assignment. I went to TD Bank in XXXX Florida and deposited this check. After several days I call TD Bank to verify if this check was even good. I spoke to a financial Representative she stated that this check DID CLEAR. again I asked it cleared? Again she stated IT CLEARED. I then went to the same TD Branch to withdraw money to complete this assignment in the amount of {$1600.00}. I was called again from this MYSTERY Shopper if I would be able to complete another assignment. Again, XXXX brought me another check with another assignment Went back to the same branch at TD an made a deposit.. Waited several. days called again XXXX # and this time they said the check did not clear. That evening I received a letter from TD Bank that the 1st check was fraudulently written. TD mandated me to get my account in good standing and deposit money. I did this immediately. I was angered about this I called the XXXX number and went round and round finally got a supervisor she listened to the tape and she admitted that TD Bank Rep did say it " CLEARED '' that they TD were going to refund {$930.00} to cover my deposit and XXXX return check fee. This was very nice, but I had in this account {$710.00} before all this took place, she was unwilling to return this amount. I found this to be inaccurate and unjust if TD Bank admitted fault. they should have returned all the monies. I am requesting that XXXX be returned from TD into my account..
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery LLC received their final payment as confirmed by XXXX XXXX XXXX  on XX/XX/2019 and Portfolio Recovery tells me they never received the payment and refuse to give me a payoff letter so that I can report the charged off settlement amount to the IRS.
Product: Debt collection

I received a phone call on XX/XX/XXXX from XXXX. They left no voicemail. I assumed it was a spam call, but they called again on the XXXX, XXXX, XXXX, and today on the XXXX. I looked up the number, and it was for XXXX XXXX XXXX. I was concerned for two reasons : we already paid our debt of {$35.00} owed to XXXX and XXXX on XXXX XXXX, and the phone number on the website was different, being XXXX. 
On XX/XX/XXXX at XXXX I called the XXXX number. I spoke to an agent named XXXX, and she said there was nothing under my name. She recommended to call the XXXX number, and it was common for them to not leave voicemail, and that I should just pick up if they call again. 
I decided to call the XXXX number, and XXXX of XXXX XXXX XXXX answered, asking me if I was XXXX XXXX. I explained that there was no one in my household with that name. She explained it was for a business account but could not elaborate any futher than that. I asked her to no longer call me, and that someone possibly spoofed my phone number. She said that she would take action and not call me.
Product: Money transfer, virtual currency, or money service

My cellphone and laptop were stolen on XX/XX/XXXX, on the XXXX the individual who stole them or someone they know was able to get into my PAYPAL account and create a fake account and transfer money into there account. My bank declined the transaction and PayPal knew the account was compromised and suspicious however still sent the money to the individual who stole my phone or laptop. No money was ever sent on my behalf or authorized by me yet the are still trying to collect on the balance from me instead of going after the criminal who stole the phone and processed this transaction.
Product: Checking or savings account

On XX/XX/year> I had opened a checking account with BMO Bank. I had made a deposit of {$15000.00} the day I had opened the account. After my initial deposit cleared 5-7 days later I was informed that I needed to come down to the bank because they were closing the account due to my credit score being low at which time I was issued a cashiers check from BMO Bank in the amount of {$15000.00} ( the balance of my account. I then took the cashier 's check to BMO Bank ( since they were the bank who issued the check ) and the bank teller informed me that they did not have enough funds to cash it and that I would need to take it to another bank because they do not have enough money to cover it.. This is a serious violation and I will be getting legal assistance regarding this matter. I feel I was discriminated against because of the color of my skin.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were created or conducted without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), y
ou are obligated to block and remove information resulting from identity theft upon my request.

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

I am making a complaint about the 3 Credit Bureaus Experian, XXXX and XXXX are reporting incorrect addresses on my credit report. I have tried to fix this issue and it keeps coming back as VERIFIED. The address does NOT belong to me nor do I have any knowledge of this address. The address is XXXX XXXX XXXX XXXX Florida, XXXX Please DELETE this address because this is misleading and is going against my consumer rights. I have made an Identity report on several accounts and I believe this address is attached to fraud accounts.
Product: Credit reporting or other personal consumer reports

I hope you find this complaint well. 

As a consumer, I never gave anyone or any reporting agency permission or written consent to report any details about my consumer report. 

15 USC 1681 ( a ) ( 4 ) congressional findings and statement of purpose ( consumer right to privacy ) I HAVE A RIGHT TO PRIVACY! 

15 USC 1666b. Timing of Payments- a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( l ) which states, the term CREDIT CARD means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. NOTICE, congress said ANY CARD. 
The CREDIT CARD is my social security card. This is the credit card that is used to originate every consumer transaction. 

REMOVE ALL LATE PAYMENTS!