23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are listed on my consumer reports are false and inaccurate credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Checking or savings account

Per the information on USAA 's app and URL, they recommend investing with XXXX XXXX. 
i opened a XXXX IRA XXXX XX/XX/XXXX for {$7000.00} i transferred {$110.00} XXXX XX/XX/XXXX XXXX XXXX closed the access to my account XXXX XX/XX/XXXX and then permanently closed the account by XX/XX/XXXX and kept my money. 
I've made constant attempts to speak with someone from XXXX XXXX to no avail. 

I filed with the SEC XX/XX/XXXX ( SEC Response - File XXXX : XXXX : XXXX ) and XX/XX/XXXX the SEC called and stated that XXXX XXXX said to come get the money / file a dispute with your financial institution ( USAA ) and they will pull back the money you sent. 

I called USAA XXXX XX/XX/XXXX to file a dispute. 
XXXX XXXX i received a response denying the request. 

I called USAA again XXXX XXXX to find out how to get this accomplished as i have not received the services for which my money was sent/spent. The agent said to file another dispute, which they did. 
XXXX XXXX i received another denial, and this time, the entry the agent put in was for the incorrect amount, so i've now confirmed that this 'denial ' is an automated response, no one is actually doing any work nor retrieving the funds. 

The SEC says i am to provide the document number of my claim with them to the financial institution so they can verify the response from XXXX XXXX. I did that and have provided it again above.
Product: Mortgage

I have my Mortgage finance with Navy Federal Credit union. Every month I pay extra principle and extra escrow to make sure that I don't fall short in my escrow. I paid extra escrow for the 2022 year. A total of {$390.00}. 

I paid on line and each time I paid, I made sure that the escrow box was completed with the amount extra I was paying. 
Each time Navy took my extra escrow and put it in as principle. Not as extra escrow. 

Each month my reflected that I paid 2 extra principle payments instead of 1 extra principle payment I talked with about 5 Navy federal Credit representatives, they put the information in my account records, but still did not credit me the extra that I had paid. 

I even sent an email to XXXX XXXX about a week ago. I did not get a response. 

Today XX/XX/2023, I received a letter stating that I was short {$330.00}. Making my new mortgage payment {$890.00}, up from {$840.00} Why should I absorb this new amount when I paid the extra escrow throughout the year and it was misapplied
Product: Checking or savings account

53rd Bank places false charges on the account that where not paid to the vendor. Requested receipt the vendor closed the account because it was not paid. Both where sending request for payments. Asked for itemized payment 53rd closed the account. Received another request in 53rd Bank behalf from XXXX XXXX XXXX XXXXXXXX XXXX. OH XXXX requesting {$650.00}. This is fraud and financial bullying scam.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I spoke with XXXX  at transunion at XXXX informing her that my online access was blocked. On XX/XX/XXXX I spoke with XXXX through live that at XXXX and informed her that my online access has been blocked. On XX/XX/XXXX I spoke with XXXX at XXXXXXXX XXXX informing her that my online access has been blocked. I was told by XXXX on the XXXX that a supervisor was being notified and should reach out. I was told on the XXXX that an internal team was handling it. Still no access to my credit report, or dispute process. It is now XXXX the XXXX. I am asking that Transunion comply with the law, discontinue discrimination against me, stop causing me further financial harm and provide me with the same rights and access as stated in your website about all consumers
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : [ XXXX ] Date Listed : [ XXXXXXXX XXXX XXXX  ] The balance currently being reported is inaccurate and potentially unlawful. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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: Credit reporting, credit repair services, or other personal consumer reports

I was laid off from work due to COVID-19 find out my XXXX and XXXX pmt are late. I call Im they tell me payments were applied incorrectly. I cal back again in XXXX was advised of the same thing and everything would fall into place and be on time so I make my XXXX payment and its reported 30 days late after I was advised when making the payment it would be on time and not reported late. This is been going on for XXXX I call and I get we will call you back and no response. Now Im 3 months late on my account when I was advised everything would be XXXX and pmts would not be late
Product: Credit reporting or other personal consumer reports

Complaint I am writing to formally dispute the following inaccuracies on my XXXX credit card account, as required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
On [ XX/XX/2024 ], I submitted a dispute to XXXX XXXX regarding [ Charge off account # XXXX ]. XXXX XXXX was obligated to complete its investigation within 30 days, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). However, to date, XXXX XXXX has failed to respond to my dispute, violating the FCRAs timeframes. 
Additionally, XXXX XXXX XXXX failure to investigate this dispute has prevented me from exercising my rights under 15 USC 1681i ( 5 ), which requires the deletion of unverifiable information. By not verifying or correcting the disputed information within the 30-day period, XXXX has violated this provision of the FCRA. 
Due to XXXX  noncompliance with the FCRA, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action. XXXX  actions have caused me significant harm and inconvenience, and I expect full restitution for all damages incurred. 15 USC 1681s-2 ( 8 ) e, 15 USC 1681s-2 ( 7 ) I am attaching copies of all relevant documentation, including the dispute letter sent to XXXX and any correspondence received from them. I request a prompt investigation into this matter and appropriate enforcement action against XXXX XXXX XXXX Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX ]
Product: Debt collection

Sunrise Credit Services is Reporting fraudulent inaccurate information on All of my credit reports I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Product: Mortgage

I obtained a mortgage modification from CitiMortgage and although I was only {$51000.00} behind in payments, the total amount of payments I would have to pay over the term of the new modified loan is over 10 times that amount ( {$570000.00} ). I was only 9 years and 8 months away from paying off my original mortgage. Now, I have 40 years of payments per the new note. This is CRAZY!!! I had no choice but to sign the loan mod or face losing my house. I spoke to CitiMortgage representatives and they could not offer any explanation. I do n't think this is a fair practice at all. I understand I am responsible for the original note/principal balance, but to be charged over 10 times the amount I fell behind does not seem fair at all. I believe Citi is taking advantage of people in difficult situations. I am out of the mess I was in and have been current on my payments. I just ca n't seem to fathom making 40 years of payments. Citi did n't offer the XXXX XXXX XXXX Program to me despite receiving government money. The XXXX Mod that they offered was an in house loan mod program and I believe it is truly taking advantage of people in similar situations. Citi should be held responsible for their actions.
Product: Credit card or prepaid card

A security deposit was taken from my credit card for a car bidding website. The merchant falsely accused me of bidding on and winning a car on my account to keep my security deposit. I never bid on the car they company said that I did. When I contacted the company they told me lies and refused to give me a refund. My bank said that I have to get the merchant to agree that I get a refund so they disapproved my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} ; XXXX XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

When I went to sign paperwork one main said I had to sign up for other products to get the loan life insurance and other stuff
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Numbers : XXXX, XXXXXXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Wells Fargo Bank advanced funds from a workers compensation settlement check on as agreed on XX/XX/XXXX. The funds were credited to the account. Relying on this advancement and the safety of the funds submitted by XXXX XXXX company, I made significant payments on debt and other items we have been waiting to purchase pending the settlement. After the funds were credited to the account and payments had been issued, a secondary hold was placed on the account. 

I asked for reasonable accommodations ( the current outstanding funds to be honored ) and was denied. Wells Fargo blames the issuing bank, XXXX XXXX for the hold and refused to take action before XX/XX/XXXX, leaving with no operating funds for up to XXXX days. I am a single mother and this detrimental reliance will likely cause me substantial financial harm to include unknown amounts of chargeback fees.
Product: Debt collection

there exists a lien from the company ( Springleaf Financial Services ) which according to my research, is now OneMain Financial. However, when I spoke to a representative about this, they were not able to provide me with any information about this and would go no further.
Product: Credit reporting or other personal consumer reports

I paid of the settlement amount with company, Then I was charged more later Incorrectly. I was fraudulently charged after talking to the company and settling on a pay off.
Product: Mortgage

I believe the company, Mr. Cooper has been cheating me otfof money. I see there was a $ million judgement against them. My montage went up from {$1500.00} to {$1800.00}, Then after the judgment it is going down to {$1500.00} using a modification I never asked dfor. Were they to do this because of the $ million judgement?.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice and demand for the immediate removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, as authorized under 15 U.S.C. 1681c-2 ( a ), and I invoke my rights under the Fair Credit Reporting Act ( FCRA ) to have these fraudulent items permanently removed. 

The following fraudulent accounts and inquiries have been identified as a result of unauthorized activity : Accounts -XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX. 
XXXX XXXX  Account Number XXXX Date Opened : XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX  XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Supporting Documentation I have included the following evidence to support my claim : 1.FTC Identity Theft Report : Detailing the fraudulent activity and confirming my identity theft case.

2.Proof of Identity : A copy of my government-issued ID and a utility bill confirming my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. Validate Inaccurate/Reported Late payments XXXX XXXX Account Number : XXXX Please correct/update this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is past legal time allowed to be reported immediate removal under federal law collection/ charge off under fema diaster codes DR-4332 hurricane Harvey EM-3458-Tx covid-19
Product: Mortgage

Hello I am a XXXX % XXXX veteran who is affected by Hurricane maria in XXXX XXXX. Presently my home is unhabitable and I am staying in a Hotel paid for by FEMA. I quickly filed a claim with the insurance company picked by my Mortgage priovider, XXXX XXXX XXXX claim number XXXX. Back on XX/XX/XXXX an Appraiser went to my home and conducted an inspection. XXXX XXXX from XXXX XXXX a sub contractor for XXXX XXXX XXXX estimated my damaes at over {$80000.00}. I waited over 4 months for them to reply with a settlement. I was very shocked to hear they are only offering me {$29000.00} and taking away half plus deductible leaving me {$13000.00}. I contacted the banco Popular who holds my Mortgage. They basically told me there us nothing they can do. I filed a complaint with The Commission that regulates Insurance Companies in XXXX XXXX. They investigated and was told by the Insurance company that they are penalizing me because they say that I under reported the value of my home. They are saying the Value is over {$330000.00}. I purchased the home back in XX/XX/XXXX and the appraisel was {$260000.00}. I refinced last year into a VA Home Loan. The Appraisel from XX/XX/XXXX was {$220000.00}. The Insurance company refueses to listen to me or work with me. At this point I have a substantial amount of my savings invested in my home. I can not fix my home with the amount of money the Insurance company is offering me. I contacted the VA Home Loan Program and they also tell me there is nothing they can do. I find it unbelievable that the Insurance Company is doing this and actually getting away with it. I am at the end of my rope. My last option is to take a big lose and walk away from my home. So I am asking you for help. Can you help me with my situation?