23daVinci/CFPB_Complaints huggingface dataset:
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 transactions were authorized, I was charged fees due to lagged posting of charges and credits. 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 my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX  XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a misspelled version of my name on my credit report. I disputed this information on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I have uploaded my ID but I kept getting a reply to supply an ID that I keep sending. I have also asked for the source of the incorrect information in a dispute letter I attached, but they never supply the source, just refuse to delete the incorrect information. I have also attached a letter requesting copies of all disputes letters received on my file for the year XXXX along with their response to it but again, Equifax just ignores the request.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, JPMCB card services reported my business credit card to my personal credit report with XXXX in error, which dropped my credit score XXXX points as a result. I called the company who stated that this was an error on their end and that my business credit card should not be reported to my personal credit. It appears this affected many account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a complaint with CFPB for identity theft with all three credit bureaus. ( see attachment ) and then sent a handwritten dispute on XX/XX/2022 to all three credit bureaus stating the same. After their investigation, XXXX deleted XXXX XXXX ( account number XXXX ) however, Equifax and XXXX XXXX to leave it on my credit file. ( PLEASE DELETE THE ACCOUNT ) They stated that it was verified as accurate. How did XXXX and Equifax verify the account as accurate? First and foremost I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Secondly, if all three bureaus did their due diligence in investigating the dispute they would have deleted all the accounts in question. XXXX stated that XXXX XXXX XXXX ( account number XXXX amount {$6500.00} ), ( account number XXXX amount {$1700.00} ), and ( account number XXXX amount {$250.00} ) were verified as accurate. How so when the date of the last payment doesn't match with Equifax 's reports ( see attachment ) whom also stated the accounts were accurate and verified. The Information reporting has to be 100 % accurate. So if an investigation was completed then all credit bureaus should be reporting the same information but they are not! After Equifax 's investigation, they stated that the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were verified as accurate and modified. If the investigation took place why are there discrepancies in my credit file? Equifax has also reported that payments were made in the last XXXX  months on the charged-off accounts. ( SEE ATTACHMENTS ) This is unacceptable. All three bureaus are in violation of my consumer rights and I just wish they'd do what's fair and equitable to me as the consumer by deleting the items. It's their obligation to make sure that the information reporting is accurate and relevant and they've failed to do so.
Product: Vehicle loan or lease

Ive had this account for about 6 months and in that time, Ive paid 4 payments early and the correct amount were charged to interest and the principal, however the other 2 payment that were paid on time, there are no late charges on my account, the total amount was charged to interest, they cant tell me why the payments that were made on time were all paid to interest and none to principal. 

Payment due for due on XX/XX/23 for XXXX was paid on XX/XX/23 and the total went to the interest. 

Payment due on XX/XX/23 for XXXX was paid on XX/XX/23 amount XXXX and the total amount went to the interest and none to the principal and none to interest, which means a pa total of XXXX in interest with none of that amount applied to principal. 

Seems to me that if I pay on time this loan amount would stay the same
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I am a senior, XXXX  years old. 
You have stated to me that I am not the person submitting this information. You are wrong. I am able to read, write and speak ENGLISH better than you. I suggest you do your job and fix my report and remove these invalid entries. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX AMT  : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$620.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$75.00} XXXX. XXXX XXXX XXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax   and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors are reporting accounts that were opened fraudulently without my consent or knowledge. 

XXXX XXXX XXXX XXXX account # XXXX {$1900.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1400.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$55000.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1700.00} opened on XX/XX/XXXX XXXX XXXXXXXX XXXX Account # XXXX {$690.00} opened on XX/XX/XXXXXXXX XXXX
Product: Debt collection

There is a charge on my card for a large amount for a trip. We have never gone on this trip. I have called several times and told them it is fraud and they keep sending me bills and calling. I have disputed this several times on line and also by phone. They just say they will check into it. Still bills come and phone calls all day long. They have also been adding late charges.
Product: Vehicle loan or lease

I've had a loan with Ally Auto Loan since XXXX, for XXXX XXXX. I have always paid more than the monthly amount of {$410.00}, except a few payments for months. It's the end of loan and I still owe. My last payment should have been XX/XX/XXXX if I had just paid the monthly payment of {$410.00} each month, however, I didn't. I paid {$450.00}. I feel this loan should have ended in XXXX or XXXX and for some reason I still owe more money and I have a 8.4 % interest rate. 

I'm confused. Why is that happening. I have talked to them and they keep giving the wrong information. I asked for a payment history 3 weeks ago and I have not received. I wanted the history to show how they applied payments. I have all my checks to show I made payments, when and how much. 

I have not received that information as of today, XXXX/XXXX. I have screen shoots on a few payments made in the last few months. I feel like I have gave money away. I was trying to pay it off early, however, that did not work by paying the extra money. 

I would pay extra money each month and it would show I owed less than the monthly {$410.00}, but I still paid {$450.00} or more a month. Help
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 : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX XXXX XXXX I Account number XXXX XXXX Account number XXXX, XXXX, Account number XXXX, XXXX XXXX XXXX XXXX Account number Account number XXXX. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The major three credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major  reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX XXXX {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX XXXX XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXXt {$500.00} ) account 7 ( XXXX XXXX   {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX {$7300.00} ), account 10 ( XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )
Product: Credit card

On XXXX XXXX, XXXX, I purchased a five oil change package for our XXXX XXXX XXXX in the amount of {$220.00}. I received two oil changes, and then XXXX 's XXXX XXXX went bankrupt. I am disputing the undelivered balance of the oil changes. I calculate that I received 40 % of what I paid for, accordingly, I am disputing the balance due me of 60 % of the total, or {$130.00}. 

I submitted this dispute to Citicards in writing outlining the above. Citi confirmed receipt on XXXX XXXX, XXXX. Since then I have had a ridiculous amount of correspondence with them I have provided all the documentation they have requested including a copy of the credit card statement showing the charge, and the invoice from XXXX 's XXXX XXXX. I the most recent letters from them they have : Said my dispute letter was lost ; I resent it Claimed that the charge was made several years prior to the date shown on the credit card statement. I resent the documents, and clarified their error. 
Their most recent letter claims that they needed my dispute within 60 days of the dispute, and stated they would not honor my dispute. This stipulation is an obvious impossibility, given that the provider went bankrupt well after the 60 day period they arbitrarily stipulated. ( This also calls into question the content of the second letter recapped immediately above. ) It has become obvious that they are simple seeking any reason to deny my dispute. On XXXX/XXXX/XXXX, in wrote yet another letter indicating that I would be filing this complaint. 

I can provide all the documentation regarding this matter, as you may require.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed with Experian on numerous occasions that they are reporting incorrect information. There are XXXX accounts that are listed as " account charged off '' " profit and loss write off '' and or " written off '' to which they are required to show a {$0.00} balance. A charge-off indicates that the creditor has written off the debt as uncollectible. While the debt may still legally exist, the creditors report of both a charge-off and a balance violate 15 U.S.C. 1681e ( b ) ( reasonable procedures to ensure accuracy ) and 15 U.S.C. 1681s-2 ( a ) ( prohibition of furnishing inaccurate or incomplete information ). 15 U.S.C. 1681e ( b ) : requires credit bureaus to maintain procedures for maximum accuracy. When an account is charged off, the creditor has written it off as a loss and should not reflect a collectible balance. While the creditor may still sell or assign the debt to a third party ( e.g., a collection agency ), the original creditor can not continue to report a balance on the charged-off account. If both a balance and a charge-off are reported : 1. It creates an inaccurate portrayal of your financial obligation.

2. It could mislead potential creditors, violating the FCRA 's provisions for accuracy.

As Experian is inaccurately reporting a balance and I have disputed these accounts at least 4 times in the last 12 months as being inaccurate, and they have still kept the account on my credit report without changing the balance to {$0.00} as required by the FCRA, they are required by law to remove these accounts as they are violating 15 U.S.C. 1681s-2 ( a )
Product: Checking or savings account

My concern is XX/XX/XXXX through XX/XX/XXXX. The transactions for these months do not add up. My XXXX XXXX XXXX statement does not show nor match my Bank of America statement. I have audited my XXXX statement versus my Bank Of America business account statements and see there are clearly additional charges to my bank account that are fraudulently charged. Please review these transactions and help me with rectifying this process. We first discovered these charges in XX/XX/XXXX and immediately requested the debit card used which ends in XXXX be deactivated and have since received a new debit card and have stopped using XXXX XXXX. Additionally, I filed disputes with Bank Of America only to be denied and told to dispute with XXXX directly as Bank of America stated the reason for the denial is I had a window of 48 hours to dispute any and all transactions to be considered. Of course this is frustrating as these transactions are small amounts which totaled a lot over time. Lastly, the representative with your company only listed one transaction in this dispute which looks like it is a valid charge of mine and not a fraudulent charge ie : The XXXX XXXX  statement for XX/XX/XXXX only shows four ( 4 ) correct charges but when compared to my XX/XX/XXXX Bank Of America statement is shows eleven ( 11 ) debits from my account which equals seven fraudulent transactions. Please help me with this matter.
Product: Debt collection

MIDLAND FUNDING IS TRYING TO COLLECT A DEBT THAT IS BEYOND THE STATUTE OF LIMITATIONS, A VIOLATION OF FCRA15 U.S.C. 1681c ( 1 ). A practice they once were sued for Bureau of Consumer Financial Protection v. Midland Funding LLC, Midland Credit Management. Case XXXX XXXX XXXX. " The company continues to violate the consent order, the CFPA, and the FDCPA by suing consumers to collect debts even though the statutes of limitations had run on those debts and violated the consent order by attempting to collect on debts for which the statutes of limitations had run without providing required disclosures. '' THEY ARE THEY ARE INACCURATELY REPORTING THE CHARGE OFF DATE AS THE FIRST DELINQUENCY, A VIOLATION FCRA 623 ( a ) ( 5 ) ( A ) THEY HAVE REAGED THE ALLEGED DEBT, WHICH IS ILLEGAL AND A CLEAR VIOLATION OF FCRA SECTION 623 ( 5 ) ( A ).

THEY ARE INACCURATELY REPORTING TO THE CREDIT BUREAUS, WHEN THIS COLLECTION SHOULD BE DELETED SINCE THE FIRST DATE OF DELINQUENCY WAS XX/XX/2015 - 9 YEARS. 
THEY ARE MORPHING THE " CURRENT BALANCE '' BY {$1.00} EACH MONTH TO MALICIOUSLY TRIGGER MY CREDIT SCORING. 
THEY ARE REPORTING THE ACCOUNT TO THE CREDIT BUREAUS AS " PAST DUE '' .THEY FAILED TO PROVIDE A NOTICE OF DEBT. 

THEY NEED TO BE FULLY INVESTIGATED FOR THEIR UNSAVORY BUSINESS PRACTICES. They have violated the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act.
Product: Payday loan, title loan, personal loan, or advance loan

World Finance Corporation A charge off is a certificate of indebtedness. I am revoking any security interest that I willful gave to you. I will be filing a civil lawsuit for securities fraud. I revoked any written permission I gave to transfer, sell, or share my personal indentitying information to any third party and or non-affiliated parties. 
XXXX XXXX