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

The accounts listed here MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. This is supporting fraud. Accounts : XXXX XXXX XXXX XX/XX/XXXX {$710.00}, XXXX XXXX XXXX XX/XX/XXXX {$890.00}, XXXX XXXX XXXX XX/XX/XXXX {$240.00}, XXXX XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}, XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XX/XX/XXXX {$220.00}, XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$27.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00}. Inquires : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they Transunion and XXXX both state my last payment was made on XX/XX/XXXX and my balance is over XXXX. XXXX states they manually updated my correct Balance. You will also see in the screenshots that XXXX just updated my report on XX/XX/XXXX and the balance still is over XXXX and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.
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 consistently 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 deceptive and inequitable, and that each man and woman acting in the guise of customer support in this matter breached their ethical, fiduciary, and professional responsibility to me as well as my joint account holder. I request an investigation into each of my account transactions.
Product: Credit card or prepaid card

Fortiva has 2 credit cards that were opened fraudulently in my name. Ive sent police reports to confirm this however they have not fixed this negative reporting.
Product: Credit card or prepaid card

XX/XX/XXXX - {$1800.00} purchase from Vendor XXXX - A custom railing manufacture XX/XX/XXXX through XX/XX/XXXX - Drawings are provided, measurements taken XX/XX/XXXX - Railing arrives it is 12 '' taller than specified in the drawings - 49.5inches tall XX/XX/XXXX - An additional {$1000.00} is paid ( balance remains {$850.00} ) to aid in the repairs. 
XX/XX/XXXX - Railing is taken back to vendor who makes adjustments XX/XX/XXXX - Railing goes to powder coat facility, they refuse to powder because the railing is ruined - all warped due to heat from the welding according to the vendor. Vendor and I have a dialog and the vendor expects me to take a damaged railing that was so bad his own vendor XXXX the powder facility ) contacted me directly about it. Vendor refuses to do anything. 

I have now paid {$2800.00} and received no goods or service. I do not have possession of the railing and Citi will not speak to me regarding the situation. I have called on XX/XX/XXXX, XXXX, XXXX, XXXX some times multiple times on the same day. I wait on hold for 60 minutes and the recording gives me a bunch of XXXX and hangs up on me. They clearly have not read my document, will not speak and stole my money!
Product: Credit card or prepaid card

I closed on a house and one of the requirements was to payoff an American Express balance. The financing bank could only payoff the most recent statement, which did not reflect my most recent {$400.00} payment. I knew this would result in a {$400.00} credit balance and I planned to contact American Express for a refund to my payment account on file once the payment posted. 

I am in the middle of a move, so many things are already packed away - including this particular credit card as it's simply a backup card. 

Once the payment posted, I attempted to use the website to request a credit balance refund. I entered {$400.00} but it gave me an error indicating I needed to enter an amount equal to or greater than {$0.00}, so apparently the website is broken for users wishing to request a credit balance refund. 

I instead attempted to use their chat support. I was logged into my account and verified my mothers maiden name as requested. They then asked me to verify the 3 digit security code on the back of the card. As I am in the middle of a move, the card is packed away. I would have to unload and unpack several boxes to find it. I explained this and asked if there was any other method of verification I could do and they said no. They directed me to a supervisor who said the same. 

Their only suggestion was to mail a check - as I am in the middle of a move and I do not know how long that would take, I don't know what address I would even use - my old address where I won't be soon? My new address I won't be at for two months? A temporary address? And how is that the more secure option when the check could easily be lost, stolen, or delivered to an address I'm no longer associated with? 

I asked for a refund of my most recent {$400.00} to the payment account it was made from, and they told me I'd still have to provide the same 3 digit code.

Basically- American Express wants to sit on my {$400.00} because they have no method of verifying their customers unless that customer has a silly 3 digit code rather than find another way to verify me and safely and securely return a payment to the payment account that has been on file for years. Instead, they'd rather drop a check in the mail to an address I won't be associated with in a week.
Product: Student loan

Graduated in XXXX, company was originally called XXXX, now called navient helped me set up a payment plan that worked for me. I wasn't making a lot of money so I was paying on the lower end of most plans. I received a booklet to help me make my payments but I was never informed on my balance. Around XXXX I contacted the company to see if I was close to paying off my loan, come to find out I owed more than I did when I graduated! I of course felt like it was my fault, but now I realize they were taking advantage of my inexperience. I feel like this is something they should have notified me about. Its now XXXX and I have just under XXXX left, this has been such a weight on my career.
Product: Debt collection

Around XX/XX/XXXX, National Credit Systems was hired by XXXX XXXX XXXX in XXXX Arizona to collect a debt that I do not owe. Neither one of the firms ever contacted me about this false debt, so that I could dispute validity ( which I found out is a blatant violation of the Fair Debt Collections Act ). The way that I happened to find out about this debt was by getting an alert from XXXX XXXX. Upon this alert, I promptly disputed the debts with the Credit Bureaus ( I was victim of Identity Theft last year and therefore I have Fraud Alerts with the Credit Bureaus ). I have also contacted National Credit Systems by phone in XX/XX/XXXX. They could not verify my personal information in this phone call. I told them this debt needs to be removed, because this debt is not mine. I assumed this matter would be resolved. But to my dismay, I got the Credit Disputes back from the Bureaus, and National Credit said they confirmed the debt was mine? I made another phone call to National Credit today. They are still refusing to provide me with any proof of this debt or demand for payment. As a note, I did find out today that this alleged debt was may be my son 's debt who has a similar name to mine. However, this Collection Agent refused to acknowledge the facts as presented and provide me proof. Also, I have left several messages with the Creditor XXXX XXXX XXXX, but they have not returned my phone call. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, Below are disputed claims that are still showing on my report. I have no knowledge of these accounts. 

XXXX XXXX {$1600.00} opened XX/XX/XXXX XXXX -- {$4900.00} opened XX/XX/XXXX XXXX- {$9700.00} opened XX/XX/XXXX XXXX XXXX - {$6600.00} opened XX/XX/XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX us dept of ed {$9500.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  Opened XXXX. 
{$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, 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. This account from XXXX XXXX XXXX XXXX ( Alledged balance of 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.

I have reason to believe that this debt is invalid as I was never hospitalized in XXXX, and upon calling I was unable to inquire about this due to HIPAA regulations. However as someone who allegedly owes a debt, I am entitled to an investigation and a debt validation provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

while checking my most recent credit report i notice accounts and inquiries that i did not authorize or apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report shows hard inquiry since XXXX  which should be removed from my report by now My XXXX score is frozen on XXXX score and never grow I need full detailed explanation for why my score is never go up however I use 30 % of my credit limit and always pay on time I need a full explanation as because of that Im not able to get approved for conventional Mortgage and Im stuck with an FHA loan that is refused by all sellers I need To know what is the error and why my score is frozen on XXXX score even my payment history is great.
Product: Credit reporting or other personal consumer reports

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

Disputed information submitted has not been updated, credit card account is still showing incorrect information, someone is falsely stating incorrect information
Product: Credit reporting or other personal consumer reports

To Equifax This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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 validated or removed immediately : 1. FCRA 15 U.S.C. 1681i- ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. 
XXXX  XXXX XXXX Account Number : XXXX DELETED IMMEDIATELY 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Remove this inquiry.
Product: Credit reporting or other personal consumer reports

I also respectfully request to be provided proof of this alleged item, specifically that these payments were in fact late. By the provisions of the consumer laws. I demand that if unable to do so or lacking proof of these payments being late, please update my payment history of XXXX XXXX ( Paid as Agreed, Never XXXX ) and supply a corrected credit profile to any creditor who have requested a copy of my report in the last six months.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the XXXX XXXX XXXX XXXX ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : XXXX - XXXX : {$1300.00} Date of Account:XXXX/2024
Product: Debt collection

COMENITY CAPITALXXXX XXXX XXXX Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX  {$1500.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Mortgage

Hello, I applied for a mortgage loan with Navy Federal Credit Union - and I pulled my Experian Credit report which gave me a score of XXXX - based on this I applied for the Mortgage and Navy Federal is saying my score is XXXX, which is not correct and they increased my interest rate by 2.625 % from their initially quoted website rate of 4.0 %, which increased my qualifying ratios and now I am not able to afford the house anymore. 

I feel truly depending on the numbers which may not be correct and not even matching with XXXX 's report is not fair and which made it unable for us to be able to buy the home we wanted.
Product: Debt collection

I got a call from a number ( XXXX ) I did not recognize. I was told it was concerning a debt held by XXXX. I stated that they could not call me because this debt was part of a XXXX XXXX filing. A " manager '' got on the call and stated that there was no way the debt could be part of a XXXX XXXX filing because it was not on my credit report and they would sue me and get a judgement for the funds owed. I asked for the original creditor, person stated it was with XXXX and I knew it must be Opportun, a personal loan that is in fact on my XXXX XXXXXXXX filing because I submitted the information myself and it is on my XXXX XXXX repayment plan. I told them it was against the law for them to contact me and I would report the call to the FTC, the person stated they worked with the FTC. I know this is a lie because FTC does not make collection calls. I stated again I should not be contacted further and the person threatened me again with a lawsuit and judgement. I ended the call. The call was harrassment plain and simple for a debt that is part of a XXXX XXXX filing.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed 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

This account ( XXXX XXXX ) is reporting illegally and was opened illegally. Ive disputed it multiple times if not removed I will sue.It is not mine and I am not responsible for this debt. It is affecting my ability to obtain credit. It is negatively impacting my life and I would like it removed immediately. Ive contact these credit bureaus multiple times asking this be removed and nothing has been done.
Product: Checking or savings account

since XXXX XXXX I am traying to transfer my money in a Merril Lynch account ( XXXX ) with no success as today XX/XX/2020 .... 
I contact the bank several times and only receive absurd excuses .as need additional document or need to wait.
Product: Debt collection

TARGET/TD Account XXXX : XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.