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

Dear Transunion To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account number XXXX XXXX  Delete this account. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account number # XXXX Delete this account. 
15 U.S. CODE 1681XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX ( Bank ) Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Inquiry XXXX XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  ( Finance ) Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX ( Bank ) Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX DELAWARE Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXInquiry date 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
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 the 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 practice where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I defaulted on repayment of a credit card through XXXX XXXX XXXX. Received a court summons on matter. I called to arrange payments with listed debt collection agency. Their balance due ( after several payments ) did n't match mine, so I called them. They claim XXXX XXXX is charging me interest on balance. When I stopped making payments, my balance was approximately {$5000.00}. When account closed, balance was {$7100.00}. This was amount on court summons. I ca n't even bring up my old account online. I stopped making monthly payments on original credit account sometime in 2013. I attempted to call and make payments on the debt, but they always wanted repayment in full. I am now able to make regular ( every 2 week payments ) to debt collector mentioned, but do n't understand the high interest charge on a closed account.
Product: Debt collection

XXXX XXXX XXXX XXXX is asking me to pay a debt that had been resolved in XX/XX/XXXX by CACI, another debt collector. The primary creditor was XXXX XXXX XXXXXXXX XXXX XXXX I refer to you two complaints I filed in XXXX, CFPB XXXX and CFPB XXXX. One was for XXXX XXXX XXXXXXXX XXXX XXXX and the other one was for CACI who claimed to be a creditor for me which was not true. 

I just discovered a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX who claim to be collectors for Cascade Capital Funding LLC, ( CACI ), and identifies the original creditor as XXXX XXXX XXXXXXXX XXXX XXXX 

On complaint CFPB XXXX, CACI stated the following : A conversation took place on XX/XX/XXXX, XXXX XXXX stated insurance had previously paid the debts. At that time, we placed this account in a dispute status and requested XXXX XXXX provide proof of payment to our office for verification. On XX/XX/XXXX, CACi sent notification to credit reporting agencies to remove this tradeline from XXXX XXXX credit report. Should XXXX XXXX have questions or need further assistance, please contact our office directly at XXXX or email us at consumerhelp@caciXXXX On CFPB XXXX, CACI responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Consumer Adjustment Company , Inc. ( CACi ) appreciates the opportunity to address this consumers concerns. After reviewing this complaint, CACi has reached out to our client regarding further documentation pertaining to the two accounts placed in our office. After consideration, the Cascade Capital Funding has requested CACi close these accounts with our office and return to them. On XX/XX/XXXX, CACi closed these accounts in our office. Notification will be sent to credit reporting agencies to delete these accounts from the consumers credit report. Please allow up to 30 days for credit reporting agencies to update their records. Should questions remain, please contact Cascade Capital Funding directly. 

The letter I received on XX/XX/XXXX from XXXX XXXX XXXX XXXXXXXX, states very clearly the Current Creditor is XXXXASCADE CAPITAL FUNDING LLC, which is not true because they were attempting to collect 2 debts for XXXX XXXX XXXXXXXX XXXX XXXX. CACI submitted false information to XXXX, XXXX, and XXXX Credit Bureaus claiming that I, XXXX XXXX, owed a debt to CACI. 

I just submitted another complaint with CFPB, XXXX CFPB Complaint Number XX/XX/XXXX at XXXX hours. CACI should be admonished in some way for attempting to collect a debt which they have no right to be compensated for. 

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

I have contacted Transunion on XX/XX/XXXX,XX/XX/XXXX and on XX/XX/2019 I sent a certified letter advising that there are multiple inquires on my credit report that are not authorized. I have contacted the companies. I have also provided Transunion a copy of my Identity theft report to advise that I have been a victim of identity theft. I am upset that although I have provided them with the necessary information they still continue to not remove the inaccurate information from my report. If this can not be rectified I will seek legal action. There is no reason why the information should not be removed if the proper documentation is being provided to you
Product: Debt collection

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. 
XXXX  Account # 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 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: Vehicle loan or lease

I bought this vehicle in XXXX and then moved to Missouri. In Missouri the state requires they have the title or a Department of Revenue form signed by lien holder stating they will not send the title. I'm simply trying to register this vehicle in the state of Missouri and can not get the form I need to do so. I mailed a change of address along with MO form 5834 to the lien holder several weeks ago. I even included a return address stamped envelope. I sent these forms to all lienholders at the same time. I have all others back. Monday of this week I called to be told it was never received ( but my address got changed ) and was asked to fax the form. The form was faxed on XX/XX/2021 at XXXX CST. I engaged in chat today with someone from XXXX and I still have no resolution. They are now telling me that they've just requested my title back from Arizona and that will take 7-10 days and then they'll send it to MO and will not notify me. This makes no sense whatsoever. There is an option to state on the form that they will not provide title and a place to sign so I can get all my vehicles registered and insurance changed but they won't do that????? I'll try to enclose the chat if there is a place for attachements because this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/14 TransUnion sent me a letter stating that their investigation came back as being verified by the XXXX XXXX XXXX XXXX. The letter I provided from XXXXXXXX XXXX XXXXXXXX House clearly states no information was ever share with TransUnion or any Vendor. This fraudulent reporting without showing proof of any Documentation. TransUnion continue to lie it's verified by the Federal Court house. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] to 602. Congressional findings and statement of purpose [ 15 U.S.C.

1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 611. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general
Product: Credit reporting, credit repair services, or other personal consumer reports

Message sent Experian : On Thursday XX/XX/XXXX, I tried to get a copy of my free credit report due to financial dispute I am have with a business. After going through the log-in process, your computer would kick me out of the system. I called several times and was unable to contact anyone to resolve this problem. Instead all I got was menu options which none of them providing a option to talk to a representative. I tried again today XX/XX/XXXX and it would say my username and password were incorrect. So I requested my username, and it said it was forwarded to an e-mail address which I do not own. I hope your computer system has not been compromised and my financial information has been given to an authorized individual. I also trying calling both Thursday and today. Unable to talk to representative. For being an organization which monitoring people 's credit information, you do a lousy job. I really wonder if a real person works there. I need to get this problem fix, call me a ( XXXX ) XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Experian credit agency. I am a victim of identity theft and sent them my identity theft affidavit and police report. Included in the list of fraudulent accounts was a credit card from XXXX. I disputed this information with Experian, had XXXX XXXX XXXX mail them a letter and it still remains on my credit report. As an XXXX Veteran, it is making it hard for me to gain the lowest rate with my VA loan. This issue has been ongoing since XX/XX/2019.
Product: Credit reporting or other personal consumer reports

There are fraudulent hard inquiries on my credit report. Please remove these inquiries immediately. 
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

Dear CFPB Representative, Subject : Dispute of Inaccurate Reporting of Late Payments Account # XXXX XXXX XXXXXXXX I am writing to formally dispute the inaccurate reporting of late payment on my credit report concerning the account referenced above ( # XXXX XXXX XXXXXXXX ). Upon thorough review, I have identified discrepancies in the reporting, which I believe may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681. 
The reported late payment on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and based on my records, I have consistently made timely payments in accordance with the terms of our agreement. 
In accordance with 15 U.S Code 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to XXXX5 U.S Code 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late, in the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the accounts be promptly updated to reflects its accurate status as Paid as Agreed Never XXXX. Per the FCRA, I request that you conduct a timely investigation and provide a written response 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your immediate attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is essential in ensuring the accuracy and fairness of my credit report. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I requested an XXXX transfer of {$100.00} thru my discover bank account, taking the funds from my Wells Fargo. 

Wells fargo approved the transfer and released the funds. 4 days later, Wells Fargo requests the funds be returned, citing insufficient funds. 

My Wells Fargo account has a standing balance over {$1000.00}. XXXXXXXX XXXX returned the {$100.00} to Wells Fargo, but the money never went back to my Wells Fargo account. 

Wells fargo refused to investigate the matter, claiming discover bank is at fault. After having discover bank reach out to Wells Fargo, Wells Fargo still refuses to investigate the matter, continues to claim discover bank is at fault, and is threatening to close my account if I ask about the issue again.
Product: Mortgage

I fail to understand why Forbearance can only be extended up to 18 months if started on or before XX/XX/2020. I started on XX/XX/2020 and am still unemployed struggling to survive with a family of XXXX to support. I am starting an entirely new profession and will be attending school for 4 months which is full time, therefore, I will be unable to work a job and attend school. This absolutely makes no sense what so ever that if I started a month earlier, which I didn't need to as I still had a job at that time, I could extend another 6 months. Please someone explain this to me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, US Department of Ed 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 card

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Bank of America Customer Service Department XXXX XXXX XXXX XXXX, FL XXXX Subject : Dispute of Unauthorized Charges on Account Dear Sir/Madam, I am writing to dispute several unauthorized charges on my Bank of America account . The transactions in question are fraudulent and were not made by me. I request an immediate investigation and reversal of these charges. But Bank of America did not comply stating my card chip, signature, or pin was used, which was a lie. I talked to a agent of the bank and they said a card number was used and not my card Please investigate these charges and provide a resolution
Product: Debt collection

The charge was for venous collections {$15.00} ( XX/XX/2015 ) for which my health insurance denied as violating contract with them. XXXX XXXX XXXX ( XXXX ) reduced it to {$5.00}. Neither charge was approved by XXXX. I contacted XXXX the date of the bill and XXXX contacted XXXX and they stated they would remove charge. 1 year later I received a derogatory remark on my credit report by XXXX XXXX on my credit report. There was not attempt to contact me or write me concerning this charge. They claim I owe {$10.00} now. They damaged my credit without giving me notice or the ability to contest the charge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Date of Purchase : XX/XX/2020 I was trying to purchase a XXXX  online from a site I thought was a legit XXXX site, I learned afterwards it was not legit- the site was XXXX. When I went to purchase, I did not want to use PayPal tried to use another payment method but the site did not allow me to back out and it took my payment via PayPal. I logged into my PayPal account and knew immediately it was a scam. It went to a seller named XXXX XXXX attached to a XXXX account. I contacted PayPal to cancel the transaction immediately and they could not cancel it because of some unspecified reason. I went to my bank and informed them of the fraud. I have screen shots of the fake XXXX  site ( which does not exist anymore since the seller keeps swapping out the sites ). On XX/XX/XXXX PayPal sent me a message stating the seller shipped the item on XXXX, had a fake UPS tracking number and a message that the package was 'released by driver ' ( I never authorized any package to be delivered without a signature ). PayPal insists that I get an 'intranet form ' from XXXX XXXX XXXX is saying they can not track such a thing- and to complicate it further the package was sent via XXXX XXXX which states I can not put a tracking claim on this package. PayPal is participating in the fraud, by not honoring their purchase protection for consumers. They are protecting the seller and profiting off the scam since they take a cut of all transactions. Claim is the package was shipped on XX/XX/XXXX and was delivered to my town on XX/XX/XXXX to an unknown destination. I have attached screen scans of the XXXX  ad ( which I now know is not legit ) and the info of the whois attached to the XXXX site which is not up and running, it's attached to a web designer site.
Product: Checking or savings account

I opened my account on XXXX. Not having knowledge That New account opener XXXX XXXX gave me the incorrect account number. I gave this number to my employer and my creditors. So I went to her office and spoke to her about the and she said the problem will be corrected the next day and it's not. So this has cause a great inconvenience for me and a headache. And it has caused a huge headache for me and my creditors. I think something should be done about this bc now I will not be getting my paycheck and all type of fees to my creditors I feel bc of this mistake this company should be held accountable and pay me back for all this suffering.
Product: Credit card

I recently received a copy of my XXXX credit report and noticed Discover card is updating monthly and reporting open accounts to XXXX in my name with a balance. I contacted Discover card and XXXX multiple times and XXXX tells me the information they are receiving is coming from Discover card and is XXXX XXXX accurate and Discover card tells me they are not reporting anything to any credit reporting agency 's. it has been going back and forth, both blaming eachother and when i call they say they have no record of me disputing anything, even when i provide the same confirmation number they give me.
Product: Debt collection

Hi Team : I visited a doctor for a general checkup about a particular health issue. The doctor examined me like I was examined in the same way by several other doctors in the past. I provided my insurance information and also paid whatever was requested at the counter. A few months later someone random, I don't even recognize started calling me, asking me to pay for tests that I don't remember or have not consented to and asking me to pay for it. I recently realized that they have updated the same in my credit report. These charges are very very small, but I did not use them and I should not be responsible for them. Please help me with this.