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

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1
) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX Had violated my rights. 
15 U.S.C. 1681 section 602A 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 an account without my written instructions.
Product: Credit card or prepaid card

I was sold a counterfeit watch via website XXXX. Private seller sold watch thru this website. I have provided proof ( in form of photos, as well as verification from watch manufacturer of this product being counterfeit ) of the fraudulent item to the CC company & XXXX. 

Now the CC company says documented verification from manufacturer, as well as a submitted report to law enforcement, will NOT remedy this situation.

I am victim of crime ( across State lines- watch shipped from PA to FL ), and I have been asked to provide proof, which has been submitted, to no avail.

Please help. Thank you. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed a dispute with Transunion twice regarding my XXXX  XXXX XXXX account. My balance has been paid in full and I owe nothing on that account. The balance was paid several months ago but Transunion says they are reporting accurate information. This is a blatant lie and proves they do not investigate.
Product: Debt collection

I did receive a written notice, and it did inform me that if I did not dispute that I would owe the collected amount. I was provided services that I repeatedly tried to refuse, and therefore I was forced to undergo these services which told them over and over I could not afford to pay for and I did not want these services. 

If I did not comply and sign what they asked me to, I was not allowed to leave. I was also informed by the company who sent this bill to the debt collector, that I was not mentally well enough to be without care and supervision, which to my understanding means anything I signed during that time was due to the emotional impairment the hospital said I was under. They considered me legally not sane at the time, meaning anything I signed was due to emotional distress. Again, I was not allowed to leave until I signed papers which I was given no choice but to sign. I should not be expected to be held accountable for signing papers while under these conditions and under the understanding that I would be kept XXXX there until I complied.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Every year for at least the past four years the insurance company representing my condo association must submit hazard insurance " lenders loss payable '' to my mortgage company Everbank in XXXX Ga. Under my direction the insurance company submits this information as instructed by Everbank. Yet every year we must submit this info multiple times as Everbank somehow does n't process the info. We have tried faxing, uploading & sending a hard copy, again per instructions from Everbank. None seem to get processed. Everbank will not accept this info via e-mails. Every year for the past 3, Everbank has force placed insurance at my expense. Is gets cancelled eventually. This is so frustrating. I ca n't be the only borrower with this problem. I think Everbank is being negligent by not professing this info in a timely manner. I need your help. Please investigate and let me know. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

DISCRIMINATION AND UNFAIR BANKING PRACTICE On    XXXX   XXXX   XXXX      my wife and I applied for a mortgage loan through Navy Federal Credit Union. Within  48 hrs., w e submitted all requested and required documents to the bank representative who scanned them through their electronic portal.  <P/> Despite our A+ credit worthiness, income, employment stability, and demonstration of our qualification, the bank has continued to delay our preapproval by profiling us, and discriminating against us while using unethical banking practices, and insisting we  apply for an FHA loan, oth er loans, and loan terms that are a disadvantage to us.  <P/> We have contacted the bank representatives countless times to obtain the status of our application but we continue to receive unusual delays and responses. We even escalated our concern to a supervisor only to receive more excuses, delays and unusual requests and responses.  <P/> We 're about to close on our existing home and we have found a home that we 're interested in purchasing, but  NFCU  could care less that their delays will force our family to endure unnecessary hardship and homelessness.  <P/> We are appalled that this conduct and practice is allowed to exist. We are seeking assistance on a resolved end to this madness.  <P/> Please contact us at  XXXX  or  XXXX  XXXX  XXXX  should you need additional information.
Product: Student loan

I have been part of the Temporary Extended Public Student Loan Forgiveness program since early 2019. I made income driven payments, which I was told would get me to where I needed to be in order to be forgiven. I called dozens of times, and spoke to people to make sure I was doing what was required. I am now in a place where I should be forgiven. However, the servicer is claiming that they do not recognize the EIN of my employer- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I submitted the number, and they rejected it. They asked for my W2, which I sent. They are still rejecting the number, which is disingenuous. They were accepting my employment certifications for over two years, and calculating my payments. My certifications had the same EIN. Not sure what else to do, since there does not appear to be a live person to help me. I'VE CALLED OVER 35 TIMES over the last 2+ years to make sure I was doing everything correctly. 

I have called FedLoans/XXXX, Studentaid.gov, and have gone round and round. Each person refers me to another person. I've filed an ombudsman complaint, a complaint with studentaid.gov, and a complaint with the FTC. No word back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and XXXX XXXX XXXX because on my credit report Im showed as an authorized user on Experian with a balance that is showing at XXXX %. I dont have said account. I have contacted them numerous times. XXXX XXXX says they have no record with the account attached to my name. That they are happy to clear it up with Experian immediately. I need this to deleted off my report immediately.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized. I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and I found several items to be inaccurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX  XXXX  XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX ACCOUNT XXXX. 

These fraudulent accounts have led to the said hard inquiries on top of several collection accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : states a consumer reporting agency can not furnish an 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

Accounts are not properly verified during disputes, Outdated information, Incorrect account numbers, Accounts that have been re-aged, Credit card account not reporting the credit limit, Charge off account showing currently showing past due, Open charge off accounts, Collection accounts with a credit limit, Closed accounts reported as open, Incorrect date of last payment, date opened, or date of first delinquency.
Product: Credit reporting or other personal consumer reports

Back in XXXX my Information was stolen when XXXX XXXX XXXX XXXX XXXX XXXX, im sure this has something to do with it again im not sure. I went to the police I filed every document I can regarding this. due to I can't get housing nor a car loan due to whomever did this and open these Fraudulent accounts in my name. I have no connections or knowledge about any account listed. please help me on correcting this.
Product: Debt collection

Portfolio recovery multiple accounts apparently none of which they can tell me the original debit account number a document with my signature nothing can be provided to show me this is in fact my debits
Product: Mortgage

Please process the assistance request that will be submitted to you in a timely manner, and have it assigned to one, new specific point of contact that has knowledge in workout underwriting and processing. 

Please postpone the sale date scheduled for XXXX XXXX XXXX, until such time this Qualified Written Request is responded to in full and all workout options have been reviewed.
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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 or other personal consumer reports

I am filing a complaint because a credit reporting agency failed to block information in my credit report that resulted from identity theft, as required by FCRA 605B. I submitted the necessary documentation, but the agency did not block the fraudulent information within the 4 business days required by law. ''
Product: Checking or savings account

Ive been a chase customer for years. Last year I close my account they said I had a bill of {$1000.00} and I paid the bill in full. I reopened my account because I like the banking app and they have a lot of locations. I tried to send money with XXXX and it got cancelled I called in the morning of XX/XX/XXXX to make sure it doesn't happen again and they tell me my account will be close. They said I shouldn't have an account since 2015 but I've been banking with them for years. It doesn't make sense and they won't provide me any information. They are also very XXXX on the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account was closed XX/XX/XXXX date last paid was XXXX  however my date last active has been continuously updating which is extended my statue of limitations they recently updated the account on XX/XX/XXXX when the last payment was XX/XX/XXXX this is clearly inaccurate information and a violation of my fcra consumer rights
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my XXXX XXXX 
XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Payday loan, title loan, or personal loan

The Contract for my Loan says 18 payments of {$81.00}, and then 240 payments of {$180.00}. I have been paying according to the contract terms. The Company charged me a Late Fee in XXXX because their system is unable to support my payments that I am paying early. They consider me LATE because i am paying ahead of time. They need to count the payments that I've made & then count the months so they can see i am NOT LATE. I was on the phone today trying to explain this to XXXX the manager at extension XXXX but he has no idea what he is doing. He said i am considered Late. I told him to read the legal document, the Contract so he can see that i am ahead of schedule and not late.
Product: Debt collection

i have a collection notice XXXX XXXXt in XXXX, for {$930.00} they used MY NAME TO OBTAIN CREDIT XXXX XXXX my name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When requesting my annual credit report, I asked In what State a XXXX XXXX Lived? 
I have never met XXXX XXXX! This coupled with a significantly lower credit score than XXXX. Has me very suspicious. I have not missed a payment in years and all credit card balances are automatically paid in full each month other than ones that have extended no-interest loans for a predetermined period.
Product: Credit reporting

incorrect items including names, date of birth, social security number, addresses, also there 's a former address listed as an automobile service
Product: Checking or savings account

On XX/XX/2024 I went to deposit {$900.00} dollars to the BOA ATM located on the corner lot between XXXX XXXX XXXX XXXX and XXXX XXXX, in front of XXXX 's retail store. When I made the deposit I noticed the machine was taking too long. Then the screen showed an error message, then it would flicker, ..then screen blacked out and finally got a message " out of service. '' When I noticed those things, I pulled out my phone and started recording what the screen was doing. Had I known this would happen, of course I would've recorded sooner but I never had that situation happen before. 
The results of the finding were that {$410.00} dollars were located but not the other {$480.00}. THIS IS A COMPLETE THEFT!!!! I am livid to say the least. This may be little money but it is a lot to me since hard earned I WANT MY MONEY BACK. I called XX/XX/2024 upon noticing the finding and they were closed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.