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

On XX/XX/year>, I filed a dispute with XXXX XXXX regarding a charge of {$140.00} by XXXX for ordered items not being received. However, XXXX XXXX failed to resolve the dispute within 90 days as it is legally required to do so per XXXX. As the attached document clearly indicated that XXXX failed to resolve the dispute only until XX/XX/year>. 

Consequently, under 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$140.00}, nor any associated fees, due to its failure to resolve this dispute within the required timeframe. Moreover, I demand the immediate removal of all fraudulent information from all credit bureaus, including XXXX, Experian, and XXXX. 

I reserve the right to pursue all available legal actions against XXXX XXXX and all other parties involved for its failures and illegal actions in handling this dispute. 

All fraudulent information, including the reported past due amount, must be immediately removed from all credit bureaus, including XXXX, Experian, and XXXX, to avoid further legal action against all parties involved.
Product: Debt collection

A certified letter was sent XX/XX/year>, XXXX requesting validation of debt that was not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with TransUnion, XXXX, and XXXX. ( Please see Image Attached on XXXX Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over XXXX, TransUnion, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately 2. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 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 reinvestigation.
Product: Debt collection

recieved a voice mail around XXXX am XXXX/XXXX/XXXX Some lady said i had been issued a claim by a office booked agsist me. 
She just gave me here name that she had paper work for me to sign and she would come to my home for my signatjres. 
Let the same voicemail to my spouses phone about this. 
The end of the voicemail she gave me a XXXX area code saying to reach the booking party personally for more unforamtion on the legal actions being made. 
I called back twice before XXXX and lady answered ask my purpose told lady i was told to call for mor info. 
She asked my name then to verify my D.O.B. 
From there said the loan company name is pressing a summons for what i owed. After she said i can either make some payment o r proceed to that action. After i told her i wan na speak with my lawyer for how her approach was made
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft there are several accounts and inquires that I did not authorize nor do I recognize, i've tried to work with the credit company 's but they just sent me letters stating that the accounts were either verified or that i was using generated letters and I cant obtain credit because of these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XX/XX/2019 an inquiry was made by XXXX XXXX that I did not authorize. I disputed this inquiry, and i attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 i received an inquiry made by XXXX XXXX XXXX that I did not authorize. I disputed this inquiry, and I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 an inquiry was made by the World finance Co that I did not authorize. I disputed this inquiry, and I attempted to reach out to the creditor to resolve this matter but to no avail.
Product: Checking or savings account

Opened a account at wells Fargo and they told me it never was opened but I keep getting told I have 4 accounts open
Product: Credit reporting or other personal consumer reports

I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Can you look into this matter?
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX XXXX XXXX XXXX this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything. I was not even living in the state of Michigan at the time that this debt incurred I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : inform XXXX XXXX XXXX XXXX XXXXXXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, * XXXX XXXX XXXX ( # XXXX ) < '' last XXXX of account number included for each '' 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..HAS VIOLATED MY RIGHTS..

-15 U.S.C 1681 section 602A, states I have the right to privacy - 15 U.S.C 1681 section 604A section XXXX : Also states a consumer reporting agency CAN NOT furnish a account without my written instruction.
Product: Bank account or service

BAD BUSINESS PRACTICE. Short billing cycle. Statement arrives late. No grace period. No balance ratio to fees. Assessed a {$29.00} fee, on a {$55.00} dollar balance, that was paid in full 5 days after due. Forty minutes on hold. Told no, no, no. Policy is to remove one fee in 18 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still showing XXXX XXXX XXXX on my credit report and it should been deleted as of XX/XX/. I have disputed this with them twice and it still hasn't been resolved. I have also asked them to have XXXX to send proof that this item should still remain on my credit report. This still has not been resolved.
Product: Mortgage

Imortgage failed to pay my property taxes in XXXX on my new home construction, leaving me with possible late penalties and other charges. On top of that, for my tax refund, I am unable to claim property tax deductions in XXXX. They have transferred my Mortgage to XXXX mortgage as of XXXX XXXX, XXXX. Since Imortgage claims to no longer own my loan, they are deferring any and all responsibility. I have paid {$550.00} a month out of my escrow account for property tax & insurance since I closed on this home on XXXX XXXX, XXXX ..., where is my money going? Is this even legal? Property tax payments need to be made by XXXX XXXX to avoid penalties, which clearly did not happen. This should not be legal and now I am facing potential liens on my house after all I have done is make timely payments on my mortgage as a good resident of the XXXX Imortgage needs to pay my property tax & assume responsibility for any additional charges & expenses on my behalf. 
Per RESPA, they must " make you whole '' for any adverse action cause by their late payment. Up to and including the loss of home/equity, increase cost of insurance etc Thank you all sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent credit dispute letters to Transunion, XXXX and XXXX asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XX/XX/XXXX I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Security Freeze Experience : I requested a Security Freeze from Equifax. Certified letter was mailed XX/XX/XXXX and delivered XX/XX/XXXX. ( USPS Certified Letter # XXXX XXXX XXXX XXXX XXXX ). Today ( XX/XX/XXXX ) I receive a letter from Equifax giving me an Extended Credit Fraud Alert, which is not the same as Security Freeze. The title of the page I sent them in large bold print was " Security Freeze Request to Equifax. '' I had been the victim of identity fraud for which I had filed a Police Report ( XXXX XXXXXXXX XXXX ) in XXXX County last year, which should allow me to receive free security freezes and free temporary security freeze lifts indefinitely. A copy of this Police Report as well as copies of my Driver 's License ( both sides ) and two utility bills were included in the envelope with the form requesting the Security Freeze. With this documentation and the specific titled page requesting Security Freeze there was no uncertainty that I wanted a Security Freeze and not an extended fraud alert. The form requesting the Security Freeze was completed by me and included my name, address, social security number, and birthdate. I also added to it that there was a copy of the police identity theft report, the number of that report, and my phone number. 

I called them today between XXXX and XXXX XXXX and I can not talk to a person until Monday. They should have 24/7 telephone support after their irresponsibility and negligence. And their arrogance in not honoring my Security Freeze request is unacceptable. This company should be fined billions of dollars and told they can no longer function in this segment of business. Diversify into something else or die as a company. 

I do not want to take the so-called free Security Freeze they offer on the phone because they imply after XX/XX/XXXX that state fees would then apply to the their free version of a security freeze. I do no want pay {$10.00} every time I suspend and every time I reinstate the security freeze. 

This company should not get away with their behavior in my case, nor avoid harsh financial and legally restrictive repercussions on the federal level.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX account # XXXX XXXX  account # 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 a account without my written instructions.
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 has occurred multiple times over the years as a Navy Federal Credit Union member. 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 account transactions.
Product: Money transfer, virtual currency, or money service

I found evidence that my crypto account had a negative balance many times. This only became viewable by me after my brokerage account had been deactivated. ( which occurred today ) This is proof that the funds have been commingled by robinhood as crypto assets are not marginable and are only custodied by robinhood. It is impossible to have a negative balance for an asset that you can't lend against and is supposed to be in custody. It is either in custody or it is not. It was not, which means they sold it, which means they were trading against me. Besides the negative balances, it looks to me like the balance was almost perpetually wrong at every single date that I check it for .... 

Again, this chart was totally hidden from me and the account closure exposed it ....
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Immediate Removal of Inaccurate XXXX XXXX Account Information Dear Experian, This letter is to formally dispute inaccurate information on my credit report regarding an XXXX XXXX account previously identified by a scrambled account number ( XXXX ). 
Dispute and Violation of FCRA : According to my Experian credit report, an XXXX XXXX ( XXXX ) account appears with inaccurate and unverifiable information. I have received recent correspondence from XXXX XXXX ( attached ) dated XX/XX/XXXX, clarifying the account details. Here 's the discrepancy : Experian Credit Report : Lists an XXXX account ( XXXX ) XXXX XXXX Response : The letter from XXXX XXXX identifies the account as a XXXX XXXX XXXX ending in XXXX and confirms it was charged-off, not closed as reflected on my credit report. This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b ( 2 ), which mandates accurate and verifiable information on credit reports. 
Demand for Removal : Given XXXX XXXXXXXX XXXX  confirmation and the discrepancies identified, I demand the immediate removal of this inaccurate XXXX account from my Experian credit report. Furthermore, I am aware that the FCRA allows for a potential fine of up to {$1000.00} per violation. Considering you have verified this account information on three separate occasions ( attach copies if applicable ), the potential total fine could be {$3000.00}. 
Request for Verification and Update : To ensure accurate reporting moving forward, I request Experian to : Immediately remove the inaccurate XXXX account number ( XXXX ) from my credit report. 
XXXX XXXX XXXX to verify the current status and details of the XXXX XXXX XXXX ending in XXXX ( if applicable ). 
Update my credit report with any verified, accurate information from XXXX XXXX. 
Documentation : I have attached a copy of the correspondence from XXXX XXXX ( dated XX/XX/XXXX ) for your reference. 
I expect a prompt resolution to this matter. Please confirm the removal of the inaccurate information and any updates made to my credit report within 30 days. 
Thank you for your time and attention to this urgent issue. 
Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

In 2006 my identity was stolen when my vehicle was broken into and wallet was stolen with my social security card, drivers license and bank cards. My identity was used without my knowledge to purchase a vehicle through a company call Nicholas Financial Inc / Investment Retrievers. I contacted this company on several occasions to have this issue resolved. I was ask by the police department to have this company release all documentation so that they can do a full investigation but was told that they cant provide anything without a summon and the police are saying they cant move forward without the documentation. This is affecting my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 three unauthorized transactions were stolen from my cashapp. I reported it right away and cashapp least than 24hrs later had denied my claim. They told me it would be around 10 days to hear something. They denied my claim less than 24hrs so, when I checked back on the 10th they had made a decision and refused to talk about it, at all. I attempted to appeal and they refused. Saying I had not contacted them and my time was run out. Although, I had contacted them well within the 10 days. I asked for evidence they used and all they sent was a piece of paper. It didn't show anything but the names and times. I don't know this person and never authorized it. I sent evidence of the person I now believe stole it. Cashapp did not even look at it. She joked about the exact amount stolen from me and said " cashapp '' and other things she stole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.C. SYSTEM, INC is reporting an account on my credit report with XXXX  XXXX XXXX by three different names with different information on each report. This account reporting states a {$920.00} collection account however I do not have knowledge of signing an agreement with terms and conditions with I.C. SYSTEM, INC.

According to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

In summary I.C. SYSTEM, INC has not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This company additionally is not licensed although the state of California requires a debt collection agency to be registered and licensed in order to do business within this state.

I have contacted this business providing the facts stated here but at this time the company is still reporting inaccurate information and will not respond to the demand of removal.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$260.00} Date of XXXX
Product: Debt collection

credit collections is wrongfully reporting a collection on my report and is NOT willing to cooperate to either accept payment in lieu of resolution or delete it because they don't have it on their records and can not find any account in their system that matches my personal information My numerous attempts to resolve this issue with credit collection services went either ignored, or they start calling me for collections harassing at work, home and relatives. However when I tried to pay to get this over with they told me they do Not have this account and I have to call XXXX XXXX, don't even know who they are but have no number or account for me to call, AND they keep reporting this account on my credit report. When I dispute this with the bureau, the process of harassing calls starts again ... this is ridiculous and illegal!