23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # 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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} Bankruptcy XXXX  XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Discharged XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and with the balance of {$21000.00} as reported in my Transunion Credit Bureau. Lets correct this immediately. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2017  a credit inquiry was made on my credit report by Consumer Portfolio  S  that was without my consent and unauthorized. I have made multiple attempts to work with this company to have that inquiry removed but they have n't been willing to help.
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I check my credit report regularly, but this time, I came across unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts remained. Due to this issue, I kindly request a thorough review of the documents I have submitted so I wont have to worry about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to have investigated two bankruptcies on my current credit report. There is a chapter XXXX Dated XX/XX/XXXX and a chapter XXXX dated XX/XX/XXXX on my current reports that are inaccurate. The credit bureaus have reviewed the reports as been accurate. I am requesting from all the credit bureaus verification of the accuracy on my credit report. I would like to know exactly how the account was verified and the contact person who verified the account. I tried calling the Bankruptcy court USBK COURT XXXX WISCOXXXX XXXX XXXX XXXX XXXX XXXX, XXXX to ask if they verified this account to the credit bureaus and I was told by the clerk that they do not verify information to any credit bureaus. Please provide me with as many details as possible as to who verified these accounts because I never filed a bankruptcy. I would like original documents showing my signature as well.
Product: Credit reporting

Dear CFPB it has been a long time I been dealing with all XXXX credit bureaus for one I 've disputed items ( example XXXX I been late a few times my bill is due on the first but I use the grace period of XX/XX/XXXX to make my payment I 've skipped a few payments always notified XXXX and made my payment on XX/XX/XXXX there has been times when XX/XX/XXXX or XX/XX/XXXX comes around and I am being served with a move out notice or a rep of XXXX XXXX is at my door to see if I am or anyone is living there ) Now in 2010 I lost my job my mother had a XXXX I had to move to California but a year or two before that I lost my grandpa in XXXX and that is when XXXX XXXX got all kinds of lines under my name now between XXXX, XXXX and XXXX XXXX my life has been a living heck I 've disputed things with XXXX, Equifax and XXXX XXXX before I 've filed complaints with XXXX and not single company is willing to help My mother is undergoing XXXX XXXX for the last 3 years ( yes after the XXXX ) I am XXXX on XXXX and I do n't know what to do anymore I 've gone above and beyond to try to work with all the companies I 've mention but it is like talking to a brick wall I need my credit fixed I am trying to get at least a part time job and I am being turned down for errors of all the companies I mentioned My last plea is to hopefully get help from your organization please I am begging you to help me
Product: Credit reporting, credit repair services, 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 Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX. 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number 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.

15 U.S.C 1681 c. ( 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. 1681 s-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: Bank account or service

We were notified through a general notice sent by postal mail from Santander Bank that starting in XXXX, we would be charged a {$3.00} paper statement fee starting XXXX XXXX, 2017. This fee will be charged on the first business day following the statement period date. To avoid this fee, we will need to turn off paper statements through Online Banking and to do so individually for each account. The letter acknowledges that the change is easier for some than others and that this is being done for environmental reasons. We have contacted bank representatives at local branches and by phone several times indicating that this is an inconvenience for us and makes it difficult to review charges ( allowing the possibility of additional fees to go unnoticed ). We also noted the equity and access issues, particularly for individuals who do not have easy internet access. Each representative and supervisor categorically stated that they could not override the paper statement fee at an individual level. I understand that this fee applies only to our personal account, and not the business ones which shows inconsistency between accounts. It is my understanding by reviewing relevant online guidelines and reaching out to several state and federal agencies that national banks are required to provide periodic statements if electronic fund transfers can be made to or from the checking, savings, money market, or NOW account. We are concerned that the paper statement service fee represents a potentially deceptive, unfair, and inequitable banking practice and that such a charge violates our rights as consumers. We would like this issue to be investigated not only for our family as account holders, but for all account holders who may prefer to maintain paper statements at no additional fee.
Product: Debt collection

I have 2 collection accounts that are not mines. The XXXX  acct attached does not belong to me Im not sure were they got this from. They say they have a judgement against me but Ive never been served any paperwork. This needs to be removed from all 3 credit bureaus. They are harassing me. 
The other attachment is a XXXX XXXX  that is not mines. Im not sure what this is and does not belong to me. Please remove from all bureaus as this is fraudulent. Ive called both companies with no resolution
Product: Vehicle loan or lease

I was informed by a representative of Navy Federal Credit Union that my vehicle, which had been repossessed, could be retrieved from the tow yard after making the necessary payments and arranging for future payments. Acting in good faith, I complied with these directives immediately, making the required payment and securing an agreement for future payments. 

However, after calling the tow yard, I was met with the distressing news that my vehicle was not there and was instead being prepared for auction. This shocking revelation was the first I had heard of any auction, as I had not received any redemption letter, notice of intent to sell the property, or any other correspondence that is customarily provided to consumers in such circumstances to inform them of their rights and the status of their repossessed property. 

The misleading guidance provided by Navy Federal Credit Union not only caused me considerable emotional distress but also left me without the means to recover my vehicle, for which I had already made payment. The absence of transparent communication and the subsequent discovery of the auction plans have led me to believe that Navy Federal Credit Unions actions were not only intentional but deliberately deceptive, causing me undue stress and afflicting harm by potentially depriving me of my property without proper notice. 

I implore the CFPB to investigate these practices promptly. The behavior exhibited by Navy Federal Credit Union in this matter appears to be in violation of consumer rights and may reflect a broader pattern of deceptive practices potentially affecting other consumers. 

I am prepared to provide further detailed information and documentation as needed. I seek the CFPBs assistance in resolving this issue and ensuring that such deceptive practices are not perpetuated. 

Thank you for your immediate attention to this serious matter.
Product: Credit card

Dear Discover Customer Service, I am writing to formally dispute charges related to the Payment Protection plan that I have been enrolled in for over 7 years on my Discover account, incurring a monthly fee of {$69.00}. I was under the impression that these payments would provide support in times of financial hardship, yet I have never utilized these services and believe I was misled regarding the actual value and availability of this product.

On one occasion when I did experience financial difficulty and missed a payment, Discover reported these late payments to credit bureaus without ever contacting me to discuss activating the Payment Protection plan I had been paying into consistently. This lack of communication about my options under the plan has led to unfair credit reporting that could have been avoided had I been informed of the available benefits. I find this failure to notify me highly concerning, especially given that Discover has previously been penalized by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Deposit Insurance Corporation ( FDIC ) for deceptive practices related to this very program.

Given these circumstances, I am formally requesting the following actions from Discover : Full Audit and Itemized Statement of Charges : Please provide a detailed breakdown of all Payment Protection fees applied to my account since enrollment.

Refund of Unused Charges : Since I have not utilized any Payment Protection benefits, I am requesting a refund of all payments made toward this program, which total {$5800.00}.

Immediate Discontinuation of the Payment Protection Plan : I no longer wish to be enrolled in this service and request its immediate cancellation with no further fees applied to my account.

Correction of Credit Report : Given that I was not informed of the Payment Protection benefits that could have covered my payments, I request that Discover work with the credit bureaus to remove any negative marks associated with these late payments.

I am also submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to investigate whether these charges and Discover 's actions align with their regulatory obligations and to seek any additional support available for refunding these payments and correcting my credit report.

Please address this matter within 30 days of receiving this letter.

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

My name is XXXX XXXX and I am writing this complaint in regard to Early Warning. I was denied a bank account due to the information that's listed on the Early Warning report. There are several bank accounts listed on that report that is not mine and were created in the attempt to commit fraud against me by an ex-boyfriend. I submitted early warning a FTC report indicating which accounts were and were not mine however they stated the accounts were accurate without providing me with any information to verify their claim. Early Warning nor have the banks listed on the early warning provided any documentation to verify the accounts listed on the reports are mine. I will like Early Warning to investigate my claims thoroughly instead of just taking the bank word for it. 

If Early Warning has any documentation from any banking institution verifying the accounts listed on the report are mine, I will like that verification so I can add it to my FTC and police report and continue to fight.
Product: Credit reporting

After finding out that I had a judgement against me from back in XX/XX/XXXX, I informed all of the credit reporting agencies that my identity was stolen and as a result, a judgement was issued against me, without my prior knowledge and that the judgement was based on a fraudulent, and forged document. All of the reporting agencies, with the exception of Experian, removed the fraudulent judgement from my reports after going over all of the submitted evidence in the case. The case did go before a judge on XX/XX/XXXX and the plaintiff, XXXX XXXX XXXX filed a motion to have the case stricken from the record. When I tried to submit the documents indicating that the case was to be stricken, I found that I 'm not able to file another dispute, backing up my original claim of fraud, nor am I allowed to upload new documents supporting my claim. I 've also asked that several names, that do n't belong to me, in which I 've uploaded proof of my name, has n't been changed and my ability to dispute it has been repeatedly denied. I have also asked that XXXX time-barred accounts be removed and they have refused to do so with them as well. Both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are still on my account, even after asking for them to verify the date of the first missed payment, which according to Texas State Code, is the date the statute of limitations start. Not the date of the last payment as they claim. Because I am a Texas native and have never lived anywhere else, the Texas State laws trump federal laws and the laws of the states that they operate under. Both of these companies do not hold a sureity bond in Texas to collect debt and they keep updating time barred accounts in direct violation of FDCPA and the Texas fair debt collection act. I have the police report that I filed almost immediately after finding out about these account on my record. I 've also sent out letter, via certified mail, asking them to follow the law and remove these fraudulent accounts from my credit report. All of these accounts fall under the FCRA as violations and as a consumer, I have the right to have them removed, especially after I 've provided ample proof. I 've also filed another complaint about the judgement with CFPB, again backing up my claim of fraud. I will include a copy of the certified letter that I wrote to XXXX, XXXX pointing out the obvious violations of Texas law. I was denied the ability to buy out my siblings portion of our deceased mother, based on these fraudulent and unlawful accounts. I was told by an attorney friend, specialising in Consumer law, that I have a case for a slander of credit cause of action and I 'm willing to take it to that level. I will be filing individual complaints against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well. The judgment is the first thing that needs to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  TransUnion, LLC XXXX XXXX XXXX XXXX, PA XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX   Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX  ) XXXX XXXX  Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX  ) XXXX XXXX XXXX   XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

I am a XXXX and the economy fell in to a major recession.I asked Bank of america for help in XXXX and one day in XXXX XXXX XXXX they call me at XXXX and offered to make my mortgage new principal balance XXXX monthly payment XXXX at 4.125 % .Then they added a BALLOON payment of XXXXI have read that balloon payments were not allowed, by the XXXX frank act.The government gave bank of america money to help and I dont feel I was helped.My monthly payment was XXXX before the modification.I feel they did not use any money from the government to help me.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

This date was disputed and removed from my credit report when it was held by portfolio recovery associates. And then they sold the debt after removing it from my credit report. To XXXX XXXX
Product: Mortgage

A Chase representative contacted me about covid relief and did not properly disclose terms. They never disclose the ballon repayment. This is clearly another form predatory leading. They have also violated the National Banking Act. They have failed to respond my QWR nor have they giving the gap accounting. Finally GA community affairs were willing to pay {$50000.00} for assistance but Chase refused to send the work agreement to Georgia Community Affairs
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to provide me copies of documents to serve as proof of verification to support their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX Sunrise Credit Services , Inc . 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Dispute of Fraudulent Credit Account/Charge To Whom It May Concern, I am writing to formally dispute an item on my credit report that I believe to be fraudulent. The account in question is listed with your agency under the following information : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Amount : XXXX I have never opened this account and believe it to be a case of identity theft. The presence of this account on my credit report is damaging and incorrect. 

LAW FRCA Section 605B - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. 

I have file with the federal trade commission regarding this matter with the reference number XXXX Please remove immediately Thank You