23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX purchased my loan from Springleaf in XXXX 2014. XXXX states XXXX of my {$500.00} XXXX payment was kept by Springleaf XXXX XXXX also states an additional {$390.00} was billed from Springleaf for repayment of Corporate Advace. XXXX provides no proof of this and refuse to bring my account up to current status. Please review your records for these transactions. 
XXXX statementWe have conducted an investigation, and it was determined the error asserted within your correspondence did not occur on the account. Our records indicate the servicing responsibilities for the mortgage loan account transferred to XXXX, effective XXXX XXXX, 2014. Enclosed for your review is a copy of our Welcome Letter, dated XXXX XXXX,2014. At the time of the transfer, the mortgage loan account was next due for the XXXX XXXX, 2014 monthly installment. The Springleaf Financial Services ( Springleaf ) transaction history reflects the receipt of {$500.00} on XXXX XXXX, 2014 ; however, at the time of transfer Springleaf forwarded the partial balance amount of {$240.00}. The funds received were not enough to complete the monthly installment amount. In reference to your concern regarding the fee of {$390.00}, please be advised this was not a fee charged to themortgage loan account by XXXX. This amount was an adjustment to the XXXX XXXX balance which transferred from Springleaf.
Product: Debt collection

I requested debt validation on the debt they are inaccurately reporting on my credit report. They have not provided proper documentation validating this debt or chain of assignments.
Product: Debt collection

I have sent several letters and debt validation request to the creditor for over two years since 2016 and i have not received information proven that this debt was rendered towards both insurances XXXX and my private insurance provided thru my employer.
Product: Debt collection

To whom this may Concern, My name is XXXX XXXX. I have a XXXX Account. I live in XXXX, Fl. Last XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl Let Someone Authorize a transaction on my account without my permission. I also have a voice recorded message from Customer Service Representative That called me that day I was at work, I told them that XXXX has my consent to pay the bill. I XXXX, do not give him consent to charge anything on my account. I have three Phones on my account. my original bill every month were {$130.00}. The employee that works in that store let a man I have a phone line on my account authorize an XXXXXXXX XXXX XXXX XXXX and case, and XXXX phone case on my account. His Name is XXXX XXXXXXXX XXXX let him purchases these items on his debit card. Now that brought my phone bill up to {$250.00} plus tax. XXXX refuse to pay XXXX  bill because he went up to the store and tried to talk to them about the XXXX he put on my account and the two phones on my account, the bill that was due in XXXX that they over charge the account. XXXX XXXX refuses to pay it. t mobile has his social security number and birthdate and debit card number on my account from his purchase. I am the one that have to pay this account. Now i do not have a phone line and can't do my business needs. I had to get a government phone to use. i am disputing the charged against this store and XXXX company. i am very disappointed. I never had this problem before. These representatives supposed to protect customer 's accounts and rights from other people. it seems like they always want to make a dollar, they always trying to get you do buy their product instead of helping you. The person that is held responsible for paying this account is XXXX XXXX. I will try to send an email to dispute this, I am not good in sending an email. Please note I am disputing these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit bureaus on the XX/XX/XXXX XXXXrequesting them to do on investigation on the account below As [ FRAUD According to the FRCA The term Investigative consumer report means a consumer a consumer report or portion thereof in which in formation on a consumers character, general reputation, personal characteristics or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies XXXX # XXXX Date last active is [ inaccurate Open date on account is [ inaccurate Date of last payment [ inaccurate Comment [ inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX opened XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX XX/XX/XXXX opened : XX/XX/XXXX -XX/XX/XXXX opened : XX/XX/XXXX -CBS XXXX XXXX opened : XX/XX/XXXX XXXX XX/XX/XXXX opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed accounts that are unauthorized and i would like them removed ASAP! t Thank you have a great day!
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXXXXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Debt collection

I am receiving emails of harassment, abusive and profane language from the Stark Collection Agency which is a violation of the Fair Debt Practices Act ( FDPA ) under federal law for a debt collection account from XXXX XXXX XXXX, the original creditor. The debt collection account from Stark Collection Agency is not my account or debt, and the debt is fraudulent and the result of identity theft. I have never applied for or had an account with XXXX XXXX XXXX. I am a victim of identity theft. The reference number of the debt collection account is : XXXX, XXXX XXXX XXXX Account Number is : XXXX, Balanced Owed : {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Finance manager illegally pulled the credit more than once for me ( XXXX XXXX XXXX, and daughter ( XXXX XXXX with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX  ( never authorized ). Mr XXXX XXXX directed the auto loan to XXXX XXXX  at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for me, to which we demonstrated XXXX for 2 agencies and XXXX for one, and the ability to get the best rate offered by our financial institution of 4.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 4.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : XXXX ) trade-in value ; XXXX ) being forced by the dealer to buy unwanted additional items not yet installed ; and XXXX ) The fraudulent actions from Mr. XXXX XXXX to earn a referral fee from XXXX XXXX . Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.
Product: Student loan

Navient on your nine page Federal Family Education Loan Program ( FFLEP ) Federal Consolidation Loan Application and Promissory Note dated XX/XX/2004 contract why is no Guarantor, Program, or Lender Identification on it for promise to pay?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX OPENED : XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX. 
Account # XXXX XXXX opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collections opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Cash App ( Block , Inc ) failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected due to inadequate customer service. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my crredit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB. findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Someone debited checking without authorization in Texas and I live in Ohio. I called chase and reported it immediately. This claim was filed in accordance with regulation E and I still expect my money to be returned me because now this account is negative and I haven't been compensated. Chase has yet to provide a reasonable explanation on how I was in two places at once. Account # XXXX and Claim # XXXX is the information I have regarding this. It's not fair that I'm without my money and I will most likely end up in Court because I dont owe Chase a dime when they flat know I was in Ohio and this fraud happened in XXXX . Imagine trying to explain that one to the media.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to conduct a reasonable investigation into disputes regarding inaccuracies in my credit report. Despite my repeated submissions, TransUnion consistently responds within 24 hours, asserting that the disputed accounts are accurate without providing any evidence of a thorough review.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes. Additionally, TransUnions actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar misconduct. 

I respectfully request that the CFPB take immediate action to ensure TransUnion complies with federal law and provides consumers with verifiable proof of a proper investigation. Furthermore, I request the deletion of the disputed accounts from my credit report, as TransUnion has failed to fulfill its legal obligations. 

Below are the accounts marked as inaccurate : Thank you for your attention to this matter. 
XXXX XXXX XXXX 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

On XX/XX/2022 I sent in letters to XXXX to have 10 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. 
On XX/XX/2022 and XX/XX/2022 I sent in letters to Transunion to have 8 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.
Product: Debt collection

XXXX XXXX2017 {$630.00} I called to see why this was being reported on my credit report after I was a Voluntary repo. And it was sold and I now have to pay the difference from the sale. This was written off / charged off. I start getting threatening calls that they were going to take my to jail if I do n't pay the balance from the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXXAmt {$22000.00} XXXX / XXXX - Acct # XXXXAmt {$710.00} XXXX XXXX XXXX -Acct # XXXXAmt {$8400.00} XXXX XXXX- Acct # XXXXAmt {$0.00} XXXX/XXXX- Acct # XXXXAmt {$0.00} Inquirires XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2019 XX/XX/2019
Product: Debt collection

I see accounts that i don't recognize. These are fraud and i want them to be removed as soon as possible. i am trying to get my house done and i can't move forward w/ my finances because of these. Please remove : 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

2 creditors that seem to lack logic and adequate information to paid services is 1. Equifax 2.    XXXX  On   XXXX   XXXX   XXXX   I made a final payment to the collector "   XXXX   XXXX   '' located in Florida used by  XXXX   XXXX   XXXX  to pay a debt of  XXXX  which as finalized on  XXXX   XXXX ,   XXXX   I called  XXXX   XXXX   XXXX  today (  XXXX  ) regarding the wrong information still posted on my credit report by both creditors stating i still owe  XXXX  which is a complete lie and fraudulent accusation against me.  XXXX   XXXX   XXXX  in turn called  XXXX   XXXX  with me on the line (  XXXX  convo ) asking to have me removed as i show a {$0.00} balance on thier records,  XXXX   XXXX  complied with the statement the case of owing {$480.00} has been paid in full and is now closed. But the creditors they claim they reported this too have ignored it and refuse yet again to comply. I have had it with this nonsense of these entrepreneurial companies playing with peoples lives like mine
Product: Debt collection

I received several calls from XXXX. He will not tell me what company they are with, only that I allegedly owe money to a western sky finance. I paid all my loan and then some to western sky and I do n't know who these people are that are trying to collect money from me. They called me at work and even after I told him I was at work and they were not allowed to call me the agent said they would continue to call me. I called him back and he kept hanging up on me until finally he transferred me to a supervisor. This is harassment plain and simple and I want to file charges on these people.
Product: Credit card

At the beginning of the month I paid off and closed the account and instead of reporting it as closed they reported it as credit limit decrease which harmed my credit. The account is paid off and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Removal of fraud alerts and extended fraud alerts
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on credit reports. This failure leaves inaccurate or unverifiable accounts unresolved, which can significantly impact individuals ' creditworthiness and financial stability. The FCRA mandates that credit reporting agencies must promptly investigate and correct any disputed information, ensuring that all reported data is accurate and fair. Experian 's inability to adhere to these requirements undermines consumer trust and can lead to unjust financial consequences for those affected.
Product: Credit reporting or other personal consumer reports

There are accounts and inquiries that I was unaware of being on my credit report therefore is inaccurate due to a data breach from Equifax my information was promised to be safe and therefore it wasn't and these are the results all the inaccurate inquiries and accounts on my report that I have no knowledge of.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested the removal of a charge-off/collection from my account, yet no progress has been made. The credit reporting agencies have failed to comply with federal law regarding the accurate reporting of information. I requested validation of the account and its removal, but neither Experian nor TransUnion has complied. The account in question, " XXXX XXXX XXXX, '' continues to be inaccurately reported by both agencies.

The credit reporting agencies are required by federal law to respond within 30 days, yet they have failed to do so. Failure to comply with these federal regulations is subject to investigation by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of all communications regarding this matter for the purpose of filing a formal complaint with the FTC should non-compliance continue. 

As established in XXXXXXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), credit reporting agencies may be held liable for willful non-compliance.

I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and take immediate action to enforce compliance with federal regulations. I seek a prompt resolution to this matter, including the removal of the inaccurate information from my credit report. Please provide a response outlining the steps being taken to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was simple. I paid last payment for XXXX XXXX in XXXX, 2020 bringing the account to XXXX and closing the account by my request. However, XXXX, XXXX, and XXXX show 30 days past due on my credit report. This is negatively affecting my ability to apply for apartments and acquire any lines of credit. The investigation showed the information was accurate and this is NOT POSSIBLE. The account was closed and had a XXXX balance in XXXX. I was never told anything was late or due at any point after that final payment. XXXX  and EXPERIAN both have those months in 202 as late 30 or 60 days late. They have not resolved this.