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

I am writing to file a complaint against Navy Federal Credit until 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 credit. This issue aligns with recent CFPB finding against Navy Federal for similar practice.
Product: Mortgage

As of XX/XX/2020 SLS manually reported to the bureaus an updated balance and now the payment history is not showing on the credit report, causing the score to drop. I have attached pictures showing what my credit payment history looked like with payment history reporting and what it looks like now
without it reporting since your last manual update on XX/XX/2020. 

The credit report now shows no payment history for any of the months.

I am closing on a new house. I was supposed to close this week but due to your error my new loan is now in jeopardy.
Product: Mortgage

Loan Care is holding insurance claim money in escrow due to my house burning down in XX/XX/XXXX. My loan was through XXXX XXXX, but it was sold to Loan Care after the rebuilding process had started. I submitted all of the required documents for the insurance claim to Loan Care including the Contractor 's  bid on XX/XX/XXXX, the approved building plans on XX/XX/XXXX and a copy of the building permit issued by the county on XX/XX/XXXX. Loan Care was supposed to disburse 50 % of the funds that they are holding in escrow to my contractor once they completed a 3rd party inspection proving that the rebuild was at least 50 % complete. That inspection was accepted by Loan Care on XX/XX/XXXX and it was determined that the rebuild was 60 % complete. I called on XX/XX/XXXX and was told by XXXX that the draw for 50 % of the funds was requested. I called again on XX/XX/XXXX to be sure that it was moving through the process and I was told by XXXX that the draw had been canceled because Loan Care never approved the rebuild of the house. It was never at Loan Care 's discretion to approve the rebuild since the construction began when the loan was being serviced by XXXX XXXX. Loan Care is now refusing to disburse funds based on the notion that the didn't approve the rebuild even though the accepted the plans and the contract to rebuild months ago. They also already disbursed funds to pay the architect and the septic engineer. My contractor is going to cease construction unless I get them a disbursement of 50 % of the money in escrow by XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit card or prepaid card

I received an application from my bank, USBANK, I have been a customer for almost 3 years. My credit is good, and I do have a fraud alert on my credit reports. At first, they denied me and they pulled my credit. Then they sent me a text, asking for a home address. I faxed them my Drivers License and my Lease agreement, WHICH IS VALUABLE information. They never got my fax. I waited and never heard from them, and then called back because they finally sent me a letter saying they needed to Authenticate me. My reference number is : XXXX. On XX/XX/XXXX, I resubmitted my information via a digital fax, and got a receipt that it was delivered. Then I never heard back from US BANK. Today, I called them to find out what happened. They closed my application which was 45 days. They never even alerted me saying that I was trying to get through. When I spoke to XXXX, the supervisor at their North Dakota branch, I said I wanted to locate my data. She said they never received anything. I said, I wanted her to go to the fax and find my fax and show me they will destroy my documentation, because she refused to give me an extension and said they would need me to re-apply AGAIN. She said she couldn't because my application expired. I said, okay, so where is my information which is very private. I said I wanted her to go find it and that I could email her the confirmation. She couldn't be bothered. She said too bad, they do not have a way to find it. She didn't even try. And so now my drivers license and address arrived at the confirmed Fax number that belongs to USBANK. How is this acceptable, that they have no accountability for losing my private information. I did ask them about how I can do this more securely and they offered no option. I'm filing a complaint because they have my materials and I want accountability. It is not acceptable to just have lost my paperwork when I know it was confirmed. I will submit the receipt. I want the bank to find my paperwork. And I want them to provide me a credit card without repelling my credit this is their mistake not mine.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and have noticed some unauthorized accounts on my credit reports that I did not benefit from. I need these fraudulent collections and chargeoffs removed from my credit reports, because they are harming my chances at buying a home or a car. If the bureaus do not take proper action within 30 days to remove the stated chargeoffs and inquiries, I will also be seeking legal action.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

I was threatened to wire money to two XXXX  accounts and it turned out to be fraud. The money was sent out using my chase account XXXX. The XXXX account are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX And account XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$820.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$6400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$16000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$200.00} in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights, 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: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$1800.00} ( tXXXX  ) XXXX - XXXX - {$1800.00} ( XXXX ) Late Payment XXXX XXXX XXXXXXXX - {$460.00} Inquiry XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

I share a joint checking account with my girlfriend. this passed spring she was victimized by an online predator ( s ) who was extorting money from her, as well as others, in some sort of ponzi scheme. This person, or people, were able to get her to send XXXX separate wire transfers totaling an amount of {$22000.00} to an Apple Bank branch based in NY. I have attempted to contact a number of representatives from the bank and they have informed me that the money was in an account who belonged to another woman who was also victimized and that the funds in the account have been frozen due to suspicion of bank fraud. My girlfriend attempted to contact our XXXX XXXX bank that the monies were sent from who told her to call the police, she then contacted the Apple Bank in question who refused to speak with her, she then contacted the FDIC who suggested we file a complaint with CFPB. My girlfriend is also not in the best XXXX health at the moment and is currently receiving health care for this. Such is the reason these predators were able to dupe her into unwittingly making these wire transfers. I ask that you please contact me, as well as the involved banking institutions so this can be resolved and our funds returned to us.
Product: Debt collection

I paid a bill for {$27.00} to XXXX XXXX for some medical analysis billed on XX/XX/2020. 
I have the personal check image and endorsed by XXXX XXXX XXXX on XX/XX/2020. 
I have the bank transaction image that includes the amount and the transaction ID associated with the check After providing proof of payment to 2 other debt collection agencies, XXXX XXXX continues to refer the amount to collections. 

Current debt collector, Medical Data Systems , Inc. d/b/a Medical Revenue Service ( MDS ) has been provided the information with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Acct # 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 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

Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - Syncb/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. Paypalcreit ( XX/XX/XXXX ) - PayPal will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. XXXX XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XXXX XXXX, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX ) - I had a secured card from XXXX XXXX, therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.
Product: Debt collection

I attended XXXX University in XX/XX/2015. I eventually dropped out of classes. While in classes I used federal student loans to cover my courses. However XXXX University now has a collection agency Ability Recovery Services reporting I own a balance of {$3200.00}. At no point did I have a contract with XXXX University for them to now report to the credit bureaus stating that I owe them any money. I attempt to complete this issue with XXXX as well as Ability Recovery but I still have not recieve anything stating that I directly own them any money. I am currently passing my loans back including XXXX through XXXX XXXX, the student loan company that I have been working with with all of my student loans. On top of XXXX and Ability Recovery not being able to provide validation of a contract that I had directly with them they did not return the funds back to XXXX services that originally was posted to my accounts for course in advance. This has still not been explain. This is an account that should immediately be deleted from all three credit bureaus. The actions that XXXX has taken is illegal and Ability Recovery as a collection agency is in the wrong for not having the proper paperwork as well also due to I never I completed a contract with them so at no time should they be contacting me regarding any debt. Further more based on the statute of Limitation in South Carolina the limit is three years for collection of debt. Even though there is no validity to this debt above is another reasons as to why I am requesting this debt be removed from all three credit reports immediately. 

Attach I have a statement from XXXX services confirming that the funds were not return. This is against the law and XXXX or Ability Recovery is able to explain but they are requesting funds from me that finiancial aid would have covered, which I why Im currently making money payment with a legitimate student loan agency, XXXX XXXX.
Product: Debt collection

Franklin collections is not license to collect debt in XXXX tx {$1000.00} this was not my debt the company will not move this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I leased a XXXX XXXX in XXXX of XXXX. We paid the lease on time for 39 consecutive months until XX/XX/XXXX when we turned it in. The vehicle was immaculate but we went over the miles. 
In XXXX, they sent us a {$5300.00} ill for the vehicle. Mileage fee, Registration fee, Dealer Prep fee and {$950.00} dollars of " damage '' which based on the pictures they sent appeared to be minor scratches which the dealer never mentioned when we returned the vehicle. We disputed ONLY the " damage '' and they refused to adjust it and they reported the account as " Charged Off '' in XXXX. In late XXXX, after at least ten calls and at least 5 hours combined of sitting on hold, I finally got an agreement to drop {$270.00} off the {$950.00} " damage ''. I made my first payment of {$850.00} on XX/XX/XXXX and my final payment of {$1000.00} on XX/XX/XXXX ( grand total {$5100.00} paid with then removing the {$270.00} ). 
I have called them an additional 10 plus times and even have a letter from the indicating the account had a XXXX balance as of XX/XX/XXXX. They, however continue to report my account as a charge off ( it was paid off and was not a settlement ) with a {$270.00} balance remaining. I have already lost a full percentage point trying to refinance my mortgage waiting for this to be resolved. This seems completely unfair that they can leverage their financial might against consumers unabated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  ever Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender reported negative information during a forbearance. We went through bankruptcy while on forbearance, however they keep reporting red flags and discharged through the bankruptcy court. But we still have the loan and we have been on forbearance since XX/XX/2020. Filed bankruptcy in XX/XX/2020, discharged in XX/XX/2020. The lender keeps saying it was written off. They didnt let us submit a reaffirmation because they never sent in the proper paper to our lawyer. We had to get discharged with out the lender. Now we have been in forbearance up until now. Can they report negative information on my credit report?
Product: Debt collection

Stated their company does not maintain a " Do Not Call '' list after I asked. Stated they have the legal authority to call a cell phone after I informed them not to contact me on that phone. Ignored the National Do Not Call registry. Refused to answer all of my questions without me first stating my name. Stated they will call again. http : //www.goldkeycreditinc.net/
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

I used my card at XXXX XXXX XXXX XXXX store in the XXXX. The store charged me {$6000.00}. After the sale I went back to the cruise ship and saw that there was no returns on the items I bought. The sales person told me that I had 30 days to return the items. They were sending the items to me at my home. I had no phone service on the ship. When I got back to the states I called Capital One and they had flagged my card saying it was still open in the XXXX and I needed to close out the card. That is when I realized my card had been over drawn. I told Capital One that I wanted to file a dispute. They told me what to do and sent me a site where I could download my receipts and all my info. They told me they would be in touch with, XXXX by email. I told them I could not get into the app on my phone. I kept checking my phone and nothing. On XX/XX/XXXX I called Capital One and they told me the info I had sent was to small to read. I told them the file they sent me would not take all my info unless I shrunk it down. They said this was the last day to file. I got all the info and fax it to them. I called Capital One the next day and they told me I filed to late and there was nothing they could do for me. I told them I had nothing to show for the {$6000.00} that was on my card. I told them I didn't understand why they let the transaction go through as it was over my credit limit and also that they had flagged my card. They told me they would check into things and get back with me. I waited and called again and was put through to the fraud expert she was not very nice and I told her I had not raised my voice or got ignorant with her. I called again the next day desperate. This time I got someone who said he would help me. He gave me a number to call the company and it was a non-working number. Again I heard nothing. The last time I called I told them I was going to take this further. The woman told me she would do a three way call with the business. I did not feel comfortable with that. I need help and I don't know where to go for it. I have a credit card bill for {$6000.00} and nothing to show for it. I just want the money to be taken off my Capital One Master Card bill.
Product: Credit reporting or other personal consumer reports

From XX/XX/2024 to XX/XX/2024 I have XXXX inquiries on my credit report that were not made by me. They are through XXXX XXXX XXXX, XXXX with XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Not one of these was done by me. These inquiries need to be reported as fraud and they absolutely can not be accepted. DO NOT approve any of these inquiries and report them as fraud.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

The fraud accounts are as follow XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX