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

Navy Federal credit union is charging me excess interest when My state XXXX XXXX max is 8 % and also Navy Federal is reporting inaccurate late payments on my consumer report. Company also has harassed me with collection attempts which I am requesting them the cease and desist all activities and collection activities until alleged debt is properly validated pursuant to 12 CFR 1006.34c. Credit Card Account ( Account # XXXX ) I have sent notice which confirmation tracking was received on XX/XX/2024 other dispute sent XXXX XXXX but have not received a rebuttal nor update to my consumer report. Company has violated my consumer rights and I am seeking legal remedies. 
also company has denied me numerous times for multiple products and has not had permissible purpose to access my consumer report
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as XXXX : XXXX XXXX XXXX Date XXXX Balance : {$2000.00} XXXX XXXX XXXX Date XXXX Balance : {$6500.00} XXXX XXXX XXXX Date XXXX Balance : {$4100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX XXXX Date XXXX Balance : {$2000.00} XXXX XXXX XXXX Date XXXX Balance : {$6500.00} XXXX XXXX XXXX Date XXXX Balance : {$4100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}
Product: Payday loan, title loan, or personal loan

I CONTACTED A 3RD PARTY COLLECTION AGENCY RECOVERY ACCOUNT # XXXX AND INFORMED THEM THIS WAS NOT MY ACCOUNT. INFORMED THEM THIS WAS MY EXWIFES ACCOUNT AND THEY REFUSE TO REMOVE THIS FROM MY CREDIT FILE. MY EX WIFE XXXX XXXX FILED A BK XXXX XXXX/XXXX/XXXX AND THIS ACCOUNT/ CREDITOR HAS BEEN INCLUDED IN HER PETITION AS A CREDITOR. MY EX SPOUSE XXXX XXXX HAS ACKNOWLEDGED THIS IS HER ACCOUNT AND THIS 3RD PARTY COMPANY CONTINUES TO HARRASS ME AND DAMAGE MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I began communicating as to why they kept changing the dates and stories. XXXX XXXX XXXX emailed and mailed proof they were paid and they continued to continue to bill Me. They decided to close my account and broke our contract! I have proof from my Credit Union and XXXX XXXX stating it was an error on their part. So I need this off my credit with a {$0.00} balance! My bank statement shows my balance so no payments ever not go through! I need this corrected! With people who speak and understand English! I had to make a police report and filed with XXXX. This company did this to alot of folks!
Product: Student loan

Mohela is my student loan services. XXXX Mohelastudentaid.com web site- non responsive for weeks I have not been able to access my account in weeks. Resetting passw/user id is not possible as they some how don't recognize my ss #, birthday or acct number and I have been calling throughout the day for XXXX weeks and keep getting a message that there is a XXXX hour waiting time to receive a response. I just need to have my account unlocked so I can reset my password and user id. I need access to my account online. This is just not acceptable. I am trying to make g ood on my loan. Help! XXXX
Product: Checking or savings account

On XX/XX/year>, a transaction was made from my bank account @ XXXX, In XXXX XXXX XXXX  XXXX XXXX California XXXX It was at the XXXX XXXX XXXX ( XXXX community ) Im XXXX! I called my bank telling them it wasnt me. They said they would investigate and they got back to me saying theres nothing wrong with the transaction. And was made by me. But it wasnt. I call the entertainment owner and he wouldnt help me at all. Nothing. The bank wont give me my money back, and keep saying the transaction was made by me but it wasnt. I dont know what to do. The bank says they need proof but wont tell me what kind of proof I need and wont help me. I even got a new card issued to me, but when I got it, it wouldnt work. I could use my own new card and had to get a new one and a new pin 3 times. The bank info I am using is called chase.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$140.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate my consumer rights have been violated pursuant 1681. Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) states If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) Treatment of inaccurate or unverifiable information, before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer. I would like this item deleted from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Specific details of the repossession in question account listed in document 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2.What certified documents were reviewed to conclude your investigation? 
3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4.What did it cost your company to obtain the documents needed to complete your investigation? 
5.Please provide proof of your timely procurement of certified documents. 
6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
7.If yes to above : a.Who did you speak to? 
b.On what date? 
c.How long was the conversation? 
d.What was their position? 
e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any email or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Product: Credit reporting or other personal consumer reports

Dear Equifax, XXXX XXXX XXXX, I sent documents to get these unauthorized hard inquiries that are still listed on my credit file. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under the FCRA law, 15 USC 1681a ( 4 ), a " hard inquiry '' or " hard pull '' is defined as any adverse action as defined in section 1681m ( a ) of this title taken by a person based in whole or in part on a consumer report. '' These hard inquiries were made without my knowledge or consent, and do not reflect any applications or requests I have made. As such, they are considered unauthorized hard inquiries under the FCRA. Pursuant to 15 USC 1681i, I am requesting the immediate removal of these hard inquiries from my credit file. Failure to do so would be a violation of my rights of the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2020 the vehicle was repossessed due to lack of payment. However, on XX/XX/2020 I entered enter a chapter XXXX bankruptcy ( XXXX ). When I called Ally on XX/XX/2020 I was told by a representative that the vehicle was transported to Auction on XX/XX/2020. After calling Ally for days, all of a sudden they released the car to me on XX/XX/2020. When I went to retrieve the vehicle my tags were missing and not with my property that they removed from the vehicle after repo. I filed a police report ( XXXX ) with the XXXX County Police Department on XX/XX/2020. On XX/XX/2020 Ally contacted me and advised me that the expired tags had been recovered. Since the tags were expired I needed to apply for new stickers in order to drive the vehicle legally. On XX/XX/2020 I was told by the MVA that Ally Financial had registered my vehicle in another state and that I could not register the vehicle at all.
Product: Checking or savings account

XXXX XXXX is deceased and I am the beneficiary of her account. She purchased a cashiers check for XXXX on XX/XX/22. After the check was declared lost in the mail her funds were never returned to her account ... ... .even after the 90 day void on the check. I had an appointment today to discuss this with you but unfortunately, my current health keeps me from travel. 

I would like this money returned. I made another appointment for friday but unable to know if I can make it. I am attaching a death certificate and a copy of the cashiers check. Please help me resolve this matter. 


sincerely, XXXX XXXX
Product: Student loan

I applied to renew income-based repayment with nelnet. Before nelnet purchased the loan I didn't have a problem with this process. I went through studentloans.gov and gave them access to my tax return in XXXX. I kept getting late payment reminders after that. I spoke to someone on the phone who didn't have any explanation as to why my renewal wasn't being processed, but she suggested that I upload a copy of my tax return to their site. I did so, but continued to get notices, and my payment was never adjusted. I contacted them again via email, but they seem to be just refusing to process my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX, Equifax and XXXX  credit bureau and ask them to remove these addresses that is incorrect. But they said they could not remove them. So this is why I am contacting u all. Please have the three addresses deleted off of my credit report.
Product: Checking or savings account

I sold a pair of shoes through PayPal which was shipped and tracked through XXXX. The buyer stated he received the shoes but I forgot to take off the very small security tag. Buyer refuses to return the shoes and not says he never received them. PayPal is charging me a total of {$55.00} which includes a {$15.00} fee. 

PayPal needs to read the notes from the buyer and seller and they will know the buyer is just scamming to get a free pair of shoes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; US DEPT ED XXXX Balance : {$930.00} ; US DEPT ED XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Went on my credit report and seen a unauthorized account on my report I Didnt make or authorize then closed my account a week later to mess up my credit
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. 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 ( MONTHS REPORTING LATE ) 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, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ) Never 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 or other personal consumer reports

I am disputing inaccuracies on my credit report concerning an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable reporting. I have identified the following issues with this account : Identified Issues : XXXX. Inconsistent Comments Across Credit Bureaus : TransUnion : Dispute resolved ; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution ; closed or paid account/XXXX  balance. 
These inconsistent comments create confusion for lenders and may indicate unresolved disputes, despite the account being paid and closed.

2. Late Payment Reporting on a Closed Account : The payment history shows multiple 30-day late marks for a closed account with a {$0.00} balance. If the account is resolved and paid off, such marks should not appear unless accurate and verified.

3. Failure to Properly Update or Remove Dispute Comments : If the dispute is resolved, the comments section should reflect this. Leaving dispute-related remarks misrepresents the accounts current status. 
XXXX. Inconsistent Reporting Across Bureaus : XXXX uses inconsistent terms, reporting Closed or paid account/zero balance, while others simply state Closed or Paid. 
5. Inaccurate Reporting of Payment History : The presence of 30-day late marks on all three bureaus payment history while the account is current, paid, and closed with a {$0.00} balance could be misleading. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure accuracy and consistency in reporting. The discrepancies in dispute comments and payment history violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the dispute was resolved and the information remains incorrect, the credit bureaus may have failed to investigate and correct the errors properly.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may be furnishing inaccurate or misleading information regarding payment history and dispute resolution.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Late payments or dispute comments may be obsolete and improperly retained beyond the allowable reporting period.
Product: Money transfer, virtual currency, or money service

I have a PayPal account, which has had XXXX unauthorized withdrawals totaling {$710.00} : {$200.00} on XX/XX/XXXX, {$240.00}, XX/XX/XXXX {$260.00}, XX/XX/XXXX These transactions were made by a company in XXXXXXXX XXXX XXXX XXXX This company has a website, but I have been unable to receive a response from the company. I have never heard of this company, nor have I ever had contact with them. 
I have filed XXXX claims, for XXXX separate transactions with PayPal. All XXXX claims have been denied. PayPal 's responses have all been identical. I have included their response below. 
This is a clear case of fraud, which PayPal says that they guarantee account security. However, all of my appeals have been denied. 

Their " canned '' response to my claims follows : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 

Based on our review, we found this transaction is consistent with your PayPal payment history. 

Based on our review, we found this transaction is consistent with your PayPal history. 

For more information about these cases, log in to your PayPal account and go to the XXXX XXXX. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please email XXXX.
Product: Credit card

I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XXXX and XXXX and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Transunion a letter demanding they remove specific incorrect and invalidated information from my credit report. This was my second letter to them. They did not respond and continued to furnish the incorrect information. They also keep refurnishing and updating incorrect information that I told them to remove. When it was time for me to go get a car, on XX/XX/XXXX, the dealership pulled my Transunion report and my score was unfairly low, and that resulted in my cost disclosure and interest to be very high. When I brought it to Transunions attention, again on XX/XX/XXXX, that they did not remove the inaccurate information from my report and that they were responsible for my inaccurate and unfair credit rating, they responded and told me the information I sent to them is not in my report. I have evidenced showing that it was never removed and is still showing. They are being negligent in their duties of fair reporting. They are blatantly ignoring and misleading me.