23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Navy Federal Credit Union is abusing their 501c3 status for credit union by using their parent company to transfer securities. They are continuing to report incorrect information on my credit file. Navy Federal Credit Union received a security from me and invested it by depositing it then pooling it together with other consumers securities then selling it to investors. Navy Federal Credit Union closed the credit line alleging delinquency but has failed to return the original security used for this transaction. If the credit line is closed then Navy Federal Credit Union breached their fiduciary duties by failing to comply with their obligations under section of the security act therefore my investment and money made should be transferred back to me to restore all parties as before. What Navy Federal Credit Union is doing and the credit bureaus known as XXXX, XXXX and XXXX are doing is engaging in deceptive business practices and therefore I should be fairly compensated from the harm caused by all parties. Navy Federal Credit Union is also using means of extortion to solicit money from me that they know they are not due. I have been discriminated against by withholding compensation and credit I am due and guaranteed to me. Since you have closed the credit line the rightful ownership of the registered security is mine therefor I revoke any prior power of attorney on record and request fully refund of the investment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the inaccuracies that are present on my consumer report regarding my student loan accounts. I have identified several discrepancies and I am requesting that they be corrected immediately. 

The first issue is with the account labeled U S DEPT OF EDXXXXXXXX. According to my Experian consumer report, this account was opened on XX/XX/XXXX. However, I can assure you that I was not in school at that time. My records indicate that my last enrollment in school was in XX/XX/XXXX. Therefore, this information is inaccurate and I request that it be corrected. 

The second issue is with the account labeled DEPT OF ED / XXXX. This account is well over XXXX XXXX XXXX and I would like it to be removed/deleted from my consumer report. 

Finally, the third issue is with the account labeled US DEPARTMENT OF EDU and how it is being reported by XXXX. XXXX is reporting that I have missed XXXX payments, which is giving me a 21 % payment history. This is completely inaccurate and is only being reported by XXXX and not the other bureaus. This inaccuracies is truly affecting my credit worthiness and is a clear violation of the FCRA 15 USC 1681a 3, 15 USC 1602p, 15 USC 1692j, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1681b, 15 USC 1681s-2 ( a ) ( 1 ) ( e ) ( ii ). 

I request that these inaccuracies be corrected immediately and that appropriate action be taken to ensure that they do not occur in the future. I would appreciate a response to this letter as soon as possible. 

Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/XXXX and XXXX 2022 TrueAccord sent personal information about a debt, amounts, original creditor, etc to 2 different email accounts belonging to my mom.

Her information would not have been included anywhere on my account. They found these emails, without knowing who they belonged to and divulged my information. Luckily, they belonged to a family member, but niether of these emails were tied to my account in any way.
Product: Credit card or prepaid card

Hi my name is XXXX XXXX making a complaint about American Express Express Serve card its a prepaid card and the company is about them closing my account their it was a balance of {$13000.00} in it roughly and before that the deposit came to the US Department of Treasury sent over from SS Social Security I am XXXX and they wanted me to have add my rep payee on it but she was already on it as a sub account they told me I write a letter to the corporate which I did and submitted documentation to where it was a legal document from Social Security saying that we XXXX XXXX and XXXX XXXX was on the document help me regarding please help me dispute this because I need my money back since I have a XXXX XXXX and I I'm XXXX  trying to look for place my email is XXXX or can call me at XXXX at your earliest convenience because it is urgent matter
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are still reporting inaccurate information on my report and are not doing a proper investigation concerning my disputes. I sent a letter certified mail to the credit bureaus asking them to check everything reporting on my report was reporting 100 % correct. If the information is inaccurate, incomplete or can not be verified it must be deleted. 

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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

the better business bureau referred me to CFPB because the problem goes back to  XXXX .   XXXX    refuse to correct my credit report and score, my  credit score  was  XXXX  in  XXXX  and it remains about the same to date. I paid off an SUV in  XXXX , paid as agreed never late,  XXXX  reported it for a while and then dropped the report but keep the score the same,  XXXX . It is my understanding that the report is to stay on your report for  ten  years, I contacted the credit grantor and they said they would report the credit file to  XXXX  but to date, my score has not changed.   I want  XXXX  to report the file for the SUV purchased in  XXXX  thereby extending my credit history to  XXXX  and not  XXXX .   I have contacted several times with the same result, no change in my  credit score,  I need help!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ) and a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

I wrote them a certified letter to stop contacting me via phone that they received on XX/XX/2018. I also sent a validation letter about they debt which they didnt provide me. They continue to call me.
Product: Mortgage

We are in the HAF program ( Save the Dream ) through our state. They are currently making our payments for us until XXXX. The last payment they made was in the amount of XXXX on XX/XX/XXXX. This amount was put into a suspended account because it was not the amount of the full payment. On XX/XX/XXXX, this amount was moved to the principal curtailment. We now have {$1800.00} in a prepaid principal account. This amount should not be going towards the principal. These payments are to be going to our monthly payments and should've paid for the month of XXXX. They have not applied these payments to the correct account. I have reached out to them already without any answers. Another payment will be being applied soon and I'm afraid they again will put it in the suspended amount and then into the prepaid principal. 


Your Loan Started XX/XX/2020 Your Loan Ends XX/XX/2050 Prepaid Principal {$1800.00} Suspense Balance {$0.00} Deferred Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 accounts with XXXX. I was supposed to get 4 payments interest free on each account. I did not. I sent payments to pay each account off and they did not apply them correctly. It took a couple of weeks to get them to apply it correctly and now they are reporting them delinquent. I was never 30 or 60 days late on ANY account with them.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding a collection account that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX and the credit bureaus, the collection account remains on my credit report, causing significant harm to my creditworthiness. 

XXXX XXXX Balance Owed : {$660.00} I have reviewed my credit reports from XXXX XXXX XXXX XXXX and TransUnion and found that this account is inaccurate and is negatively impacting my credit score. I have no knowledge of this debt, and I have not received any validation of this debt from the creditor. I have previously disputed this account with all three credit bureaus, but it has not been removed from my credit reports. Despite my efforts, the inaccurate information continues to adversely affect my ability to obtain credit and fair interest rates.
Product: Checking or savings account

{$5000.00} was removed from my Chase personal account without my knowledge or authority. There were then XXXX XXXX transactions ( all unauthorized ) out of the account. XXXX have been reversed by the bank ; the other XXXX have not. All three of the unreversed charges were to " XXXX XXXX ''. I called Chase when there was XXXX transaction to " XXXX XXXX '' and XXXX others. The XXXX others were reversed. Subsequently, after I had already told Chase I had not authorized any transactions to XXXX, they paid XXXX more XXXX transactions to him and have refused to reverse the XXXX unauthorized XXXX transactions to XXXX in the amounts of {$2000.00} ; XXXX ; and {$1400.00}. I had never sent any XXXX out of that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023. Upgrade Inc reported late payment on my credit report and after thorough investigation, the company found out they made an error reporting late payment to 3 credit bureaus. This account was never late.
Product: Credit reporting or other personal consumer reports

I am living in the state of XXXX and Fair Collection & Outsourcing, INC is NOT License to collect Debt in the state of Georgia. 
A Debt Collector in Georgia MUST comply with the Fair Business Practices Act. The FBPA requires debt collectors to obtain a license from the Georgia Department of LAW before engaging in debt collection activates, any debt collector violates the requirements of the Fair Business Practices Act in Georgia, there can be various consequences and remedies available. The FBPA is designed to protect consumers from unfair and deceptive practices, including Legal Action that could be taken out against the business that are in violation of this LAW.FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to CRA.

I have provided Proof in this complaint and I DEMAND for the company to DELETE these accounts IMMEDIATELY. If Not, I will be taken Legal Action against the company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX XXXX XXXX XX/XX/year> Equifax and XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Customer Federal Protection Bureau, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Checking or savings account

I have a had a personal and business account with Fifth Third for a few years. There were periods here and there that vendors would do automatic renewals that I did not request so I contacted the bank to get them reversed. The non-profit ( Business Acct. ) had a check from XXXXXXXX XXXX XXXX and I physically deposited the check. Several months later I received a check from XXXXXXXX XXXX XXXX in the mail. The feature for electronic deposit was available so I deposited the check. Fifth Third contacted me that the check was fraudulent, closed all my accounts, and contacted Early Warning Services. They have not given me any additional information on this, how to clear the matter up, or the like. My non-profit is suffering because I don't have an account for donations. If anything I am a fraud victim and whoever sent the check was setting me up for this. When I contacted XXXX XXXX XXXXXXXX, they stated that this has happened before. All I have is proof that I am in good standing with them ( XXXXXXXX XXXX XXXXXXXX ), and we have had no issues prior to this situation. I am also making payments to XXXX XXXX ( mentioned in the consumer report ), through XXXX XXXX. XXXX XXXX XXXXXXXX also instructed me to contact mail fraud division of USPS which I did.
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to the concerns in which Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Agency ( FCRA ) to conduct a proper re-investigation of reported information on my credit report. The negligence of these matters has left inaccurate and unverifiable accounts unresolved on my credit report. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided. These systematic failures have caused ongoing harm to my credit standing.

I am requesting immediate corrective action to remove the disputed accounts, as Experian inaction violates federal law and my rights as a consumer. 

I respectfully request that CFPB Investigate this matter, as this situation is detrimental to me as a consumer and does not align with the mission of ensuring fair and transparent credit reporting practices. 

Please let me know if you need any additional information from me. 

Thank you, for you attention to this important matter.
Product: Checking or savings account

Charged XXXX  fees several times when money was pending to be posted. Took several days for transactions to post to balance after debit card had been used.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Upgrade failed to provide the disbursement to XXXX XXXX XXXX XXXX XXXX in the amount of XXXX since the loan funding date of XX/XX/2021. Upgrade has further refused to respond to inquiries regarding the distribution to XXXX XXXX, specifically the check number for the distribution and status of the check ( cleared or not ). 

According to the Upgrade website, only the cash distribution to my bank account was completed in the amount of XXXX. That said, Upgrade is retaining most of the loan amount despite demanding the first loan payment on XX/XX/2021, in the amount of XXXX which I provided per the terms of the loan agreement. 

It is my position that Upgrade is in breach of the loan agreement based on their failure to distribute funds to XXXX XXXX and provide proof that they have done so.
Product: Vehicle loan or lease

I received a letter XX/XX/2023 from American First Finance LLC " confirming weekly electronic fund transfers in the amount of {$200.00} will automatically draft from debit card XXXX. '' I did not open this account, do not use debit cards or have a card that ends in XXXX. In reviewing my credit report this account reflects a lease was opened XX/XX/2023 with a balance of {$20000.00}, term of 24 months and a monthly payment of {$870.00}. My credit report shows there is a balance of {$4900.00}. 

It appears this account was fraudulently created using my personal information as it appears on my credit report. I've filed a police report with XXXX XXXX XXXX XXXX XXXX. The case number is XXXX. Detective XXXX XXXX can be reached at XXXX or XXXX
Product: Credit card or prepaid card

This complaint is about XXXX card. I have a XXXX card which was due on XX/XX/XXXX. My daughter handed it to me today, XX/XX/XXXX. I called XXXX immediately to make the payment in full of {$4500.00}. I respectfully requested thats the late fee which was being assessed Be removed from my bill.I had the money and was intending to pay the balance in full as I have consistently done since I have had the card. Apparently, the bank has a policy of not forgiving the late fee more than once no matter how good a customer is or whether the bill was delayed unintentionally. I do not think I deserve to give XXXX XXXX an additional {$37.00} for three more days that passed by beyond the due date. I find it incomprehensible that a bank would be so rigid, greedy, and unforgiving. The size of the late fee is huge for a retiree on a fixed income.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE! And i did not authorize any loan nor did i request any loan with your company. At this time i ask you to remove this inquiry off of my credit report with Transunion due to the fact that i did not authorize this. I have here the FTC report with you all attached to it ( XXXX XXXX ) also attached to this complaint listing that this matter is now marked fraud. Please remove this inquiry off my record. thank you.
Product: Mortgage

Wells Fargo sold my home even though they did not receive Possession of the home it was an FHA mortgage I was told in XXXX of this year by circuit court judge the District Court judge did not have bearing over the case it was illegal for them to sell the home due to the cares act and because they did not receive possession prior it was still a federally backed mortgage there is a PMI on the home which means they would get a double payment as well as what has happened at this point I am due to be out by the end of the month I am searching for an attorney to sue them
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section XXXX ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a XXXX XXXX XXXX in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX