23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Company Navy Federal Credit Union I closed my account with XXXX XX/XX/XXXX and received two cashier checks one from checking and savings checking cashier check I cashed inside of Navy Federal Credit Union in the Amount of XXXX on XX/XX/XXXX with I placed the funds in my account after check cleared my saving balance of XXXX I cashed three the ATM on Sunday XX/XX/XXXX Navy federal made XXXX available and the at XXXX XX/XX/XXXX the remaining XXXX cleared and place in my account for use the At XXXXXX/XX/XXXX on XX/XX/XXXX I tried to make a gas purchase it came back as declined I then contacted the bank Navy federal stated that the check was put back on hold for funds not being available from XXXX so give it another 24 to 48 hours Then on Wednesday XX/XX/XXXX I went to XXXX after being told from Navy Federal The Check was Flag for fraud and that It was a bogus Check Per XXXX XXXX teller I received information the the check cleared there account on the XXXX of XXXX and was paid and received confirmation of that and with a teller stamp went to take the information to Navy Federal In XXXX XXXX  Here in XXXX Texas and the teller I spoke with stated that she had never saw a teller stamp before and didnt understand or no what XXXX was submitting to them and declined to take of the hold for funds per the bank a bank stamp should be recognized I confused The Navy Federal Stated that the federal reserve hadnt sent information needed to release my funds and then stated the FDIC hasnt sent over information that the check should be cleared so Im confused call all those companies each company stated they dont send information to Navy federal to clear checks in there system I need help with this situation I feel like Im being accused of fraud and I havent committed fraud and during covic-19 its hard to make ends meet I need that bill money at this time
Product: Checking or savings account

Spoke with a representative on XX/XX/XXXX, was told I could still deposit funds to counteract overdraft. 
My account was negative by XXXX - Now a refund of the fee is being declined. 
I 'm supposed to pay XXXX for a XXXX mistake? 
This is why consumers hate banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  XXXX, XXXX XXXX XXXX bank, XXXX bank, XXXX XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

KEY BRIDGE is in complete violation of FCRA, FDCPA and HIPPA. I have not given KEY BRIDGE consent to obtain and have any of my non-public personal information nor did I sign any contract stating I am in debt with KEY BRIDGE or that have consent to report any accounts onto my credit report. 

KEY BRIDGE is severely damaging my life by reporting 5 plus accounts that does not belong to me ruining my reputation. # # XXXX, # # XXXX, # XXXX, # # XXXX, # # XXXX KEY BRIDGE has not sent a notice as required by FDCPA that they were attempting to collect a debt but somehow, I have several accounts from this company reporting medical bills.
Product: Credit reporting or other personal consumer reports

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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. 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 alleged fraud or extortion. 
XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Experian fails to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestion of disputed information on my credit report, leaving inaccurate or unverifiable accounts unsolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer provided evidence to funishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. There failures align with the evidence i provided. I am requesting immediate correction action and removal or amend the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX
Product: Credit card

Best Egg Financial has not allowed me to access my credit card log in for months. I alerted them to the issue more than 3 months ago and to this day they have not resolved it. I am unable to access anything ... statements, transactions, payments etc. 

There continue to be transactions that I can not verify I even made because they refuse to fix the issue. Everytime I try to log into my account I get an error message for 3 MONTHS!
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank which my car loan was held at, put a block on it for another reason. Every month for almost a year, I have called in to transfer funds into that car loan relying on what a representative at NFCU tells me because I am restricted and not able to look online nor go into a branch due to covid. At some point, I was 30 days past due and was not aware, in which they are usually good at giving me a call or any past due amounts or concerns. As soon as I made the last car note payment, I received a hit on my credit of that noticed. I contacted NFCU, however, they are unwilling to help and listen to the recorded lines for accuracy to plead my case.
Product: Debt collection

I have XXXX foreclosure case numbers none of them have given me the opportunity ti resolve the issue completely. 
First filed case numberXXXX Second filed case number XXXX Third filed case number. XXXX I 'm continuously threatened with litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/20, I applied for preapproval ( # XXXX ) for a car loan from XXXX XXXX. On Friday, XX/XX/20 I received approval at which time I went to XXXX XXXX XXXX and expressed an interest in purchasing a vehicle. I was asked if I was interested in financing, at which time I advised that I had preapproval and showed the salesperson ( XXXX XXXX ) the details on my phone. She advised that they could not find the details and asked for my name, address and social to help them find the record. I expressed concern as I did not understand why this info was needed when I had the preapproval and stated several times that I did not want my report run as I was aware it would have a negative effect on my credit report. I was assured numerous times that there would be no hard inquiries as I already had the approval. I also stated that I needed a clear understanding of what the interest rate would be before finalizing the transaction. The finance manager for the dealer was busy and I was asked to return at XXXX  on Saturday, XX/XX/20. On Saturday morning I found that I had lost my wallet, at which time I called XXXX XXXX that I would not be coming to the appointment. To my surprise I received a notice of a hard inquiry by XXXX XXXX on XX/XX/20 which resulted in 7 point degrade in my FICO. A result of an unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

9. Describe el problema I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX NumberAccount number XXXX XXXX XXXX XXXX XXXX number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed XXXX points from my credit score when NELNET reported an increase of XXXX dollars in my school loans in XXXX or XXXX of last year. This is a lie. That value XXXX is the original amount of my consolidated Federal Student Aid Loans in XXXX of XXXX. There are no other Federal Student Aid Loans. The 14 consolidated in XXXX of XXXX are the only Education Loans I have. The XXXX XXXX capped Federal Student Aid Loans at XXXX in XXXX forcing me to withdraw from my XXXX  program at XXXX University. In resolving this issue I have learned my FSL consolidated loan is not being serviced by NELNET it is subcontracted out to XXXX ( XXXX ) the former XXXX  : This is what XXXX had to say : With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX XXXX XXXX  are no longer reflected on her current credit reports. 

This is a lie as XXXX reports information on the FSL every month. I have had the same consolidated loan since XX/XX/XXXX. 

Who is committing fraud XXXX, NELNET, XXXX or all three of you? 

Complete Conduent response : " RE : XXXX To Whom it may concern : This is in response to complaint XXXX, which outlines XXXX XXXX XXXX XXXX concerns regarding her account. XXXX XXXX XXXX, XXXX. ( CES ), previously serviced two Federal Consolidation Loan accounts for XXXX XXXX on behalf of Nelnet. Nelnet contracted with XXXX to maintain servicing and repayment activities on their student loans. The following outlines each loan ; XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to Nelnet for servicing with an outstanding principal balance of {$110000.00}. This account is no longer reported by the national credit bureaus. XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to Nelnet for servicing with an outstanding principal balance of {$81000.00}. This account is no longer reported by the national credit bureaus. With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX / XXXX are no longer reflected on her current credit reports. If XXXX XXXX believes there are inaccuracies on her report XXXX suggest she file a dispute directly with the credit bureau. Please let us know if there are any additional questions relating to this response, or if there is any additional information that XXXX can provide. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, a natural person, noticed an account in amount of {$630.00} round about XXXX, XXXX. In XXXX, XXXX I disputed the account as I had no idea what this was or the furnisher ( XXXX XXXX XXXX ) On XX/XX/XXXX TransUnion LLC responded with the account being verified and then later in XXXX, XXXX I noticed it had been removed from my TransUnion credit report until XXXX, XXXX when I got notification that a new account had been opened on my TransUnion credit report. According to 15 USC 1681i ( 5 ) ( B ) ( i ), TransUnion LLC has to certify accuracy of information. According to 15 USC 1681i ( 5 ) ( B ) ( ii ), TransUnion LLC shall notify the consumer when accounts are deleted and reinserted. I never received any notice according to 15 USC 1681i ( 5 ) ( B ) ( iii ), who the furnisher of information is, business name, telephone phone numbers or who contacted TransUnion LLC nor was I advised of how I could add a statement to the accuracy and completeness of the information from TransUnion LLC. Thus, my consumer rights have been violated. On XXXX and according to 15 USC 1681i ( 6 ) ( B ) ( iii ) I advised that I never received notice of reinsertion and I requested a description of the procedure used to determine the accuracy and completeness of the information according to 15 USC 1681i ( 7 ). Thus my consumer rights have been violated as I never received this information whatsoever. According to 15 USC 1681i ( a ) ( 2 ) ( A ) TransUnion LLC shall promptly provide and notify of Dispute to Furnisher of Information. My rights violated yet again because On XX/XX/XXXX, I received a response from TransUnion that the account had been previously verified and yet again no notice went out to the furnisher of information that I am disputing the information and thus my rights have been violated. I have made multiple attempts by certified mail to dispute the validity, amount of {$630.00} and accuracy and completeness of an account furnished by XXXX XXXX XXXX with TransUnion LLC. As a result of the reinvestigations never taking place, the account was never investigated.
Product: Debt collection

Called late in the evening with a local number and tried to collect debt after speaking to other representatives prior about account. I did not authorize the release of my information to them.
Product: Checking or savings account

I received an offer in the mail from US Bank regarding a sign up bonus for a business checking account in connection with a credit card that I already had with them. I signed up for the business checking account for my sole proprietorship on XX/XX/22. The bonus terms stated that {$500.00} of rewards points would be deposited into my credit card account after completing a few requirements for the checking account, including depositing {$5000.00} in new money into the account within 30 days of opening the account. I deposited {$5000.00} into the account from XXXX and completed all requirements for the bonus that month as well. US Bank is refusing to pay out the bonus even though I satisfied all of the requirements as they are claiming that I did not deposit {$5000.00} into the account. I have attached screenshots of the offer terms along with my account activity documenting the $ XXXX in new funds.
Product: Credit reporting or other personal consumer reports

I seek your help addressing Experians failure to remove inaccurate addresses from my credit file. This issue aligns with the recent CFPB lawsuit against Experian, which revealed systemic violations of the Fair Credit Reporting Act ( FCRA ), including mishandling disputes and failing to update outdated information. 

Despite legal findings and my repeated requests, Experian continues to neglect its obligations under the law. I request the BBBs assistance in urging Experian to comply with the FCRA and correct this issue. If unresolved within 30 days, I will escalate through legal action and formal complaints. 

Thank you for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. Experian shows the last active date as XX/XX/XXXX but XXXX  says XX/XX/XXXX while XXXX  says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct 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 Experian, 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. Thes failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing for years. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax and XXXX  on 4 separate occasions with no response or removal. This is direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed my requests at removal, made mochery of my credit report, and added things to my statement that I did not authorize, most recently on XXXX without my consent, authorization or permission. They also won't remove the following information in the enclosed attachments. 

They also charged me a subscription fee and I am not allowed access. I will attach that as well. I pay for access, and can't access it. My last known credit report, which for the last several years, has been only a "? ".
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- XXXX XXXX XXXX 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.