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

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

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than 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. 

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
Product: Checking or savings account

Dear Navy Federal Credit Union, I, XXXX XXXX, XXXX Federal Member, Consumer, am requesting for accommodation pursuant to 15 U.S. Code 1681s2 ( F ) ( I ) in regards of my pledge loan account. 

Its very unfortunate I was affected by Covid-19 and currently not financially stable nor am I able to feed myself at the moment. 
I lost my car as well so Im not as much fortunate to get around. 

However, I am working on getting my finances back on track, and requesting my Bank Navy Federal for accommodation and update my Pledge Loan account as Current this is a very difficult time for me and the last thing I need is for my financial reputation ruined and credit score decreased at this very hard time of life. 

So can you PLEASE help me and provide me with accommodation and update my Consumer Report as CURRENT status please as I get myself back financially stable. 

Prior to Covid, my payments was on time and successfully. 

I hope we can continue to do business and you Navy Federal Credit Union can provide me accommodation. 

I look forward to hearing from you, and doing great business with Navy Federal Credit Union in the near future, Thanks and best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : CAPITAL ONE XXXX Open Date XX/XX/2016 Balance : {$7200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # 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: Checking or savings account

I was a customer of US BANK until out of the blue I started receiving letters from US bank stating they was closing my account I had no clue why and I still don't I filed a complaint with the XXXX XXXX XXXX and some lady from the same bank but not my branch bank replied back and said it was they couldn't verify my identity but yet I had this account for a good 6 months prior to this, upon me receiving the notices of account closure I called them to find out what was going on and all I got was the run around, now not only have they closed my accounts with no explanation but this bank also took money from me I had money in my account as well as a XXXX dispute credit and it's gone they trying to say that I had a couple of purchases that made my account in the negative or whatever and that's not true everytime I used my bank card that's what they said and I knew for a fact I had money in my account I always checked before making a purchase they even denied credit card payments I made and put me XXXX in the whole. 
Now remember this all started in XXXX its now XXXX XXXX  months later and they send me a check for {$31.00} trying to say that's all I had left in my account that's bs they kept me from my account I couldn't access it in anyway and come to find out they was still charging me there statement and processing fees on a account that I wasn't able to use this bank needs to be help reliable for this and they need to give me all my money back I'm not cashing this check for the amount they are wanting to say I have because after this if it don't help then I'm going to a lawyer I do have all the paperwork I have ever received from us bank.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had four late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX I am writing to bring to your attention that a fraudulent unauthorized account has appeared on my credit report. This account was made by entities I am unfamiliar with, and I have no record of initiating any business or financial transactions with them. This isnt my account I have no knowledge of it as it is fraudulent. Below are the details of the fraudulent collection account : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent and I have no knowledge of this account I take my credit very serious would never go into debt over {$200.00} remove this account as soon as possible as it is messing with my livelihood. 

XXXX : XXXX This is I, XXXX XXXX XXXX disputing no one is representing me this is me. 

15 U.S.C. 16815-2 ( a ) ( 1 ) A person shall not furnish any information relating so a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This agency will not contact the original debtor to let them know I settled the account. Now another agency is contacting us for funds that were paid 6 months ago. I have called them back multiple times to ask that they contact XXXX XXXX XXXX and let them know the account has been settled. They are now asking me to take letters to XXXX XXXX XXXX and to the other credit agency, which is something they should be doing and should have done 6 months ago. This would n't be a problem today if they had properly notified XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge Off on this XXXX   XXXX for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit card or prepaid card

In XXXX I was going through hardship because my income decreased I applied for hardship with XXXX XXXX. They approved me in XX/XX/2023 to make payments of {$22.00}, I have been making payments however the monthly payments have increased to {$67.00}. I called XXXX XXXX and told them I was in your hardship program and why you are you increasing my monthly payments. They told me to keep paying {$22.00} however the monthly payments increased and late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being incorrectly reported as 60 days late on my Equifax report for XXXX, XXXX for XXXX XXXX account ending in XXXX. That month was deferred, read my supporting documentation. Nowhere in the agreement for XXXX, XXXX and XX/XX/XXXX does it state that XX/XX/XXXX would be reported late, because if you look at my payment log I obtained on my account on the XXXX XXXX site, XX/XX/XXXX was deferred. I owe {$11000.00}, 6 months were deferred, add my principal paid and minus from my original {$15000.00} loan it is {$11000.00}. I was deferred XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. They are lying. I am also being reported twice with the same account with XXXX XXXX on my Equifax report. I have 5 installments accounts listed and really I have 4, Equifax reported XXXX XXXX twice. All the documentation to support the above issues are attached. I have also attached XXXX XXXX  XXXX policy, which I have been affected from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is trying to get away with saying if an agreement is broken, which they are claiming mine was, it was not it was bank error. XXXX XXXX XXXXXXXX does not write letters of error as of XXXX due to liability reasons. That XXXX XXXX is saying the XXXX statement is linked to the agreement, it is not in the legal binding agreement. I was affected directly by a XXXX disaster until I received my XXXX shot XXXX XX/XX/XXXX. XXXX XXXX is directly contradicting their own website on XXXX and lying by saying according to the terms of the agreement, the XXXX statement would be taken off if the contract was broken, that is NOT in the contract. It should stay on my credit report from XX/XX/XXXX to XX/XX/XXXX. READ ALL ATTACHMENTS THIS TIME AND I WANT ALL PAPERS LOOKED AT AND MY REPORT CHANGED. I HAVE BEEN FIGHTING THIS FOR 7 MONTHS.
Product: Mortgage

I had a mortgage with Wells Fargo that was subsequently sold to XXXX XXXX. I was making my payment as scheduled to XXXX Loans when in XXXX I received a XXXX from Wells Fargo stating that I owed taxes on XXXX! I was perplexed because after the sale Wells Fargo did NOT send me a check for any amount so I called them to inquire. They then told me that they sent the check to XXXX XXXX  without my knowledge or consent. They provided me the XXXX delivery confirmation number and a copy of the check for XXXX that was cashed by XXXX XXXX. So apparently of the XXXX only XXXX was taxable. I contacted XXXX Loans IMMEDIATELY to inquire what happened to my XXXX. Was it being sent as it should have been by Wells Fargo? Was it being applied to my loan after the error had apparently been made? I was told by XXXX XXXX to fax all information to them and they 'd research the matter and I made repeated follow up calls with my contact person always " out of the office ''. Then in XXXX XXXX my mortgage was sold to XXXX XXXX without ever getting the {$1900.00} check, any mortgage credits or any explanation period! I have included a copy of the faxed requests for an explanation, a XXXX copy, a XXXX Delivery to XXXX XXXX confirmations, and a copy of my check that was cashed by XXXX XXXX.
Product: Debt collection

I have attempted to contact the company on numerous occasions to discuss the debt. This debt has been removed from XXXX and XXXX but still lingers on XXXX. I don't owe Midland Funding any money nor have I signed a contract with them informing that I owe anything.
Product: Money transfer, virtual currency, or money service

I Am filling this complaint against cash app ( Block , inc ) due to inadequate customer service unfair practices, which violate the consumers financial protection act ( CFPA ) SPECIFICALLY, cash app failed to take timely and effective measures to prevent and address Fraud on their platform, leaving my account vulnerable and unprotected further more, their dispute process was unfair and deceptive, as they didn't comply with error resolution requirements under Electronic Fraud Transfer Act ( ETFA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Subject : Dispute of Violation of FCRA XXXX ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, regarding your failure to properly address my dispute within the required time frame and in compliance with the provisions of the FCRA. 

The details of the disputed item ( XXXX ) are as follows : Collections Late payments Bankruptcy I submitted a dispute and despite the XXXX investigation period required under FCRA, XXXX have not received a resolution or response, violating my rights under FCRA XXXX XXXX. '' ] Under FCRA XXXX XXXX, I am entitled to seek redress if your failure to comply with the FCRA was willful, causing me harm or injury. I am requesting that you investigate the dispute once again in full compliance with the FCRA, or I XXXX consider pursuing further legal action for any damages I XXXX have incurred as a result of your failure to properly investigate Thank you for your attention to this matter. I expect a prompt resolution in line with the law. 

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

Many of the accounts have been settled or paid off showing still as not paid or removed
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I paid my loan completely off and even prior to paying them I received notification from Experian that I was delinquent on my account which they said they did not submit any late payments on my account. On today which is XX/XX/XXXX, I received another notification from Experian XXXX finance has reported my balance increases and is late which caused my credit to fall from Good to Fair with a point deduction of XXXX points. this is the second time in 6 months that my credit dropped due to their practices. Additionally, I attempted to dispute this situation to Experian on multiple occasions However, Experian wouldn't allow me to dispute it saying that I have previously disputed this account and I am not allowed to dispute it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to this company about multiple unverifiable and inaccurate information on my credit report over 60 days ago. i have not received anything back yet. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe 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: Mortgage

Boat loan M & T Bank act number XXXX. I make over my payment ever month They will not apply my over payment to my principal. They moved my payment out to XXXX XXXX XXXX I want to pay my principal down
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 confidentially under 15 USC 1681.

Act. Name XXXX XXXX XXXX, XXXX XXXX. Name XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A debt collector called XXXX XXXX XXXX XXXX is garnishing my employment wages for {$16000.00} for a debt that is definitely not mine. The judgement is dated XX/XX/2010. Case XXXX. Please help this is not my debt! I have been monitoring my credit for many years and this is not even listed there. I am filing for a hearing with the Municipal Court to have this removed.
Product: Debt collection

I reviewed my credit report and saw fake accounts listed. Can you please take these off? Theyre making it hard for me to get credit.
Product: Credit reporting or other personal consumer reports

Assignment of Mortgage added to our XXXX XXXX Records of Deeds without a Power of Attorney, also servicing rights sold without a Power of Attorney. XXXX XXXX was authorized servicer for XXXX who was our Noteholder and Investor as of XXXX, after XXXX  closing XXXX, JP Morgan Chase Bank continued to collect a Mortgage after the authorized POA date of XXXX, and never sent any payment to XXXX who was Noteholder and Investor, even on XXXX JP Morgan chase Bank acknowledge there was no Mortgage. JP Morgan Chase Bank then Sold the Servicing to XXXX without a Power of Attorney. XXXX has advised us there is no Lien, XXXX XXXX XXXX  has sent us Satisfaction of Mortgage letter, and 1098 from XXXX, which was all the documents they had, again because FDIC Nor JP Morgan Chase Bank never sent the Loan Modification documents and Lien Release to XXXX XXXX XXXX. XXXX XXXX XXXX  was then unable to Record the Loan Modification or Lien Release.