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

On or around XX/XX/XXXX Navy Federal entered negative remarks on my credit report on a credit card debt they never validated coming from a legit loan. They never sent me anything proving the credit or loan came from their own capital or funds and risked something of value on their part. They seemed to either ignore or misunderstand the multiple validation letters sent to them since XXXX XXXX to present XX/XX/XXXX. As explained in my notice of dispute : THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
Product: Money transfer, virtual currency, or money service

I am a business owner. I was giving a check by a business i do business with. The check was stolen and someone deposited it into their personal account via atm. Wells fargo bank allowed this personal account holder to deposit a business check that wasn't made out to them into this persons personal account. Wells Fargo contacted the business I do business with and asked them who they gave the check to and they said my company name. Wells then said to put a stop payment, but it was too late. Wells Fargo 's legal fraud department contacted me and said they figured out who did it and asked me to file a police report. Then they said have the business who gave me the check file a claim, which they did. Everytime i contact Wells fargo for the status of the refund to the business i got the check with so they could give me a new check they say it is a slow process and still pending review. Its been over a month now.
Product: Credit card

On or around XX/XX/2023 Consumer sent 'validation of debt letter ' to Capital One Bank stating that Principal would continue to perform obligations of agreement upon validation of lawful debt. 

Principal was current on payments and in good standing with credit accounts. Principal had six accounts with Capital One, and all six accounts were closed in retaliation for the validation of debt request made by Principal. Capital One then reported late payments to Credit Reporting agencies without informing Principal of reporting within 30 days of reporting which violates 15 U.S.C. 1681s2 ( b ). Capital One failed to validate the debt and caused injury to consumer by reporting the negative information to Credit Reporting Agencies. Capital One also refused to accept and without notice of dishonor endorsed payment coupon delivered by Principal which is a UCC 3-414 and discharges the indorser.
Product: Debt collection

I was never notified that I owed a debt by the company. Debt collection agency constantly calling my phone and leaving messages and threatening to keep calling me until I pay a debt that Im responsible to pay them for. They threatened to keep sending negative report to all credit three bureaus in order to get a payment out me. Theyve already impacted my credit report which caused me to be in more financial hurdle. I want them to stop calling me and leave me alone. I dont owe them debt and they need to get rid of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I received a notice from Experian that my fico credit score had fallen by 15 points, and reduced my standing from very good to good. When I looked online and compared the most recent to the last report I noticed the drop resulted from the fact that one one my credit cards went from a {$10.00} balance to {$0.00} and the notation on why my credit score dropped was ; '' Not using revolving credit ''. So I am penalized for not carrying a balance on credit cards. So they are essentially penalizing me for not being in debt. 

Neither of the other 2 credit reporting agencies skew credit scores on this fact and thus the reason I am requesting assistance and this practice stopped. 

Additionally, they show in the " what's helping your score '' using revolving credit, so again they are rewarding people for being in debt.
Product: Credit card or prepaid card

My Dispute is for not receiving services listed below : -- One Night at the Hotel in XXXX {$730.00} for Friday XX/XX/2018. 
-- Transportation to the Hotel {$170.00} for Friday XX/XX/2018. 
-- Private City Tour of XXXX {$220.00} for Friday XX/XX/2018. 
-- XXXX XXXX Private Tour {$150.00} for Friday XX/XX/2018. 
Grand Total of {$1200.00} Reason for not receiving the services was that XXXX cancelled the flight from XXXX to XXXX for mechanical reasons. 
I started the process for the of the refund thru XXXX XXXX, I was told by XXXX XXXX that I needed to request the refund thru XXXX, which I did, I requested the refund and was told by XXXX that since i didn't purchase the ticket directly thru them but it was done thru a 3rd party I needed to go thru XXXX XXXX, I went back to them and was told that they will not refund me. 
I then started a dispute with my credit card Chase Visa for the charges, the Credit Card Dispute Department closed my dispute saying that the vendor stated that I did receive the services which is not true but my Credit card closed the dispute after several attempts by me to reopen the dispute.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : 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
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my accoutrement. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I never applied for any of the accounts listed and would please like them removed from my report. 
1.XXXX XXXX XXXX Account Number : XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1600.00} 2.XXXX XXXX Account Number : XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$3100.00} 3.XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX, Incorrect balance, the date reported, and the account type are 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 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: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX My SS is XXXX My phone : XXXX Please remove all other variations of my personal information. 

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I purchased a {$2500.00} cashiers check at Wells Fargo XX/XX/XXXX. It was lost in the mail and they refuse to replace it until XX/XX/XXXX, lest I pay a fee I can not afford. 
I can not wait that long, as I am accruing late charges on all my bills. I spoke to three banks who immediately upon stop payment, replace the uncashed voided check. My insurance will be canceled if I can not recover my funds now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate and false information consist of 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 XXXXXXXX, these accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. Ive attached a letter and affidavit showing fraudulent items.I do not recognize the aforementioned accounts, collections and are a result of identity theft, and fraud, they were not opened, made or initiated by me. I have attached a copy of the FTC identity theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Student loan

Education financial has used payment reversal multiple times on my account ending in XXXX when i have had sufficient funds and successful processing in the past. I have contacted XXXX XXXX and they have informed me the processing issue is not on their end. Education Financial successfully received my payment using checking account ending in XXXX on ( XXXX ). It reversed my lastest payment on ( XX/XX/year> ) as well as ( XXXX ). my account is now in delinquency. i also tried to enroll into autopay but EdFinancial wouldn't because of missed payments.
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 Account XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding the alleged debt ( s ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under 15 U.S.C. 1692g.

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and demand verification. Please provide : 1. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions.

2. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt.

3. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms.

Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under 15 U.S.C. 1692g ( b ). 

Under the FCRA, inaccurate or unverified information must be deleted from my consumer report. If you are unable to provide verifiable proof of this debt, I demand its immediate removal from all consumer reporting agencies to which you have reported it.
Product: Credit reporting or other personal consumer reports

This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate XXXX : XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX.COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX. 
COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 8.COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle purchased through USAA and had an accident in XXXX of XXXX. The vehicle was damaged beyond repair and the insurance arm of USAA made payment to USAA bank for the vehicle. Fast forward XXXX years, I have been accepted for other forms of financing, and was applying for a small business loan and in XXXX XXXX there is a charge off on my credit report from USAA. They had sent the account to XXXX and as soon as I was made aware, I challenged the account because I had no idea it existed. When they told me it was from that same vehicle and I owed {$3900.00} and some change, I paid the account in full. 

I then contacted USAA to make them aware that they are supposed to notify me that I had a missed payment, or even that a payment was due. They did not. They keep telling me they have records of the attempts to notify me, but I have n't moved and my address has been the same. 

As soon as I was made aware of the debt I promptly paid within a short amount of days. Had I been made aware of the debt, more than 2 years earlier, I would have done the exact same thing and paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX removed collection remark from my credit report. XXXX. I filed a claim with the consumer financial protection bureau about another issue. XXXX XXXX has changed the remarks back to collection and the address that they are reporting from is a Virginia address. It used to report as XXXX Maryland but since I launched an investigation they have since switched the address on my credit report to a Virginia address. It is unlawful to get a loan in another state where you do not reside. As there are laws in that state that protect their people and the laws are different per state. They know they are wrong for doing this and I want them to change it back to XXXX, Maryland where they were originally reporting from. I did not get a Virginia loan. Branch that I paid my payments to what's located on XXXX XXXX XXXX and when I called I always go to a representative at that branch and if there was an issue they would transfer me to XXXX Maryland. I believe they changed the address so that they could change the remarks again and avoid detection. What they are doing is unlawful.
Product: Checking or savings account

From the time I have had my navy federal acct they have charged me overdraft fees when the money showed in my acct but wasnt there on the back end, so I used the funds thinking I had them an they would overdraft my acct. an charge me a fee for it.
Product: Checking or savings account

When reconciling my account for XXXX I found a charge for a check I have no record of. 

After 2 weeks ( how long they required ) I have not heard back.
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 XXXX XXXXXXXX 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

I sent a letter to Capital One and they have not responded or rectified the issue. 



Late payment from XX/XX/2019 is reporting and not in accordance with the provisions outlined in the 15 U.S. Code 1681a.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Consumer Loan

I took out a loan for the amount of {$25000.00} back in XXXX/XXXX/XXXX for a boarding school for my stepson through a school in XXXX georgia call : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. 
The company holding the note is called " aes '' American Education Services XXXX XXXX XXXX, PA XXXX XXXX. The original note was to be paid off 10 yrs. Since then its been a moving target and seem never to get paid off. After 10 yrs of this loan and paying over the minimum the last few yrs. I received a statement stating XXXX/XXXX/XXXX that I paid {$11000.00} in interest and {$11000.00} in principal.For a couple of years I thought the over payments was going towards principal to come to find out it was n't and they requested something in writing. So I did send it and to this date they are still not applying over payments to the principal.This loan although low interest rate it seem to change and adjust every year, My last statement is now telling me my new repay amount is {$17000.00} taking an addition 104 months with a payment of {$160.00} per month. Please help me with clarification, there has to be something wrong with their practices of loaning money and I need some guidance to help me from this scam. 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

I filed for a provisional credit and they did not resolve within 10 business days and tell me they don't have to.
Product: Checking or savings account

I established a personal Citi Bank checking account ( Account # XXXX ) as well as a business account ( XXXX XXXX XXXX # XXXX ). I use the personal account frequently for daily expenses and I also use this account to wire money to my family in the XXXX. My family members are very poor and I send frequent small dollar wires to the XXXX to pay for food, housing and medical bills for immediate and extended family members. 

About 6 months ago I received a letter from Citi inquiring about the wires I was sending from my personal accounts. I called and explained that I send wires to the XXXX to support my family. Citi bank thanked me and the call was short and sweet. I thought there would be no further issue. 

However, in XXXX all of my acconts were closed. Both personal and business. I was able to receive the funds from my personal account but I was unable to access the funds from my business account even though Citi said I had until XX/XX/2023 to withdraw the funds. 

Sadly, I believe I am being discriminated against because I am a dark-skinned immigrant. I went to the branch and they told me they had no information to provide me on why my accounts were closed.