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

I have been contacting Experian for the past four months, I have no resolution to remove inaccuate address on my credit report. I have called Experian and spoke to a rep on XX/XX/XXXX removing my address. The rep stated I will need to send my identification such as driver 's license, copy of ssn, and a bill. I sent certified mail in XXXX the documents. Then, I received an email that stated my credit report has been updated. It was not. I sent another certified mail with different documents-copy of my cable bill, copy social security number, and my lease. XX/XX/XXXX, I received another email stated the results of the processing of your dispute ( s ) are now available. View the results instantly online. My results was not updated.
Product: Credit reporting or other personal consumer reports

INQUIRIES I DID NOT INITIATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a dispute with credit karma regarding XXXX XXXX, a third party creditor that is reporting incorrect information and also with XXXX XXXX XXXX that is being reported as included in bankruptcy. 



This claim was made in XX/XX/XXXX, since this time XXXX XXXX has been under investigation with XXXX XXXX for over 3 months and then today, XX/XX/XXXX received response that the information is accurate. This is totally false and hindering my credit. I provided a ledger from XXXX XXXX Hospital to XXXX XXXX showing I did not owe any money to this 3rd party creditor, ( XXXX XXXX ). This information is being inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly lates from XXXX, XXXX to XXXX, XXXX on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was approved for a loan modification and during this period of getting the loan modification approved, this account should not have been reporting any late payments. This account has since been sold and should not be reporting on my credit report. This inaccurate reporting of lates on an account that has since been sold is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the loan modification documents for your reference. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

i have sveral documents regarding XXXXXXXX XXXX XXXX, please investagate this matter and block the information reporting on my credit reports reguarding XXXX 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 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 Credit Union for similar practices, where transactions settled with insufficient balanes despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

XXXX XXXX has been contacted in regards to this alleged debt that was charged after services where cancelled. I have receipt that equipment was sent back prior to the date of charges.
Product: Debt collection

I am the consumer writing and there is no third party involvedXXXX XXXX XXXX a debt are reporting inaccurate information to the national consumer reporting agencies to coerce payment. The FDCPA was passed to eliminate abusive, deceptive, and unfair debt collection practices. According to my records, I do not recall giving XXXX XXXX XXXX a debt any prior consent to communicate with me aboutanymatter.Was I even given a choice to hold an account with XXXX XXXX XXXX a debt? How do I owe XXXX XXXX XXXX? How was this verified? XXXX XXXX XXXX and XXXX and Experian ignored my recent disputes and never provided sufficient evidence because this can not be verified. 
Experian send an automated response without even investigating which violated the FCRA. Fraud is wrongful or criminal deception intended to resultin financial or personal gain. And that is exactly what XXXX XXXX XXXX, Experian, and XXXX are, a fraud.In additionto that, furnishing this alleged debt to the national reporting agencies to coerce payment violates 15 USC 1692d ( 4 ). 
XXXX was not habitable. And do I not have a right to PRIVACY? Why was I never given the option to opt out of this reporting? Why was I never given an option to opt out of an account with XXXX? In other words, this sounds like account LACKS FULL DISCLOSURE, AND ADEQUATE CONSIDERATION! 

I never agreed to any terms with XXXX XXXX XXXX, THEY WERE FORCED ON ME. 
There was no working AC for MONTHS, water leaks, pest were NOT CONTROLLED and I refuse to pay this debt.Prove tome how this extension of credit with XXXX even became a debt with XXXX. Please send a complete audit trail with accounting history evidencing added charges, and payments made since I have never even seen it.I wish to deal with this matter only in writing.NCS must cease all communications engaging any conduct to harass, oppress me in connection with collection of a debt, except by US Postal mail to inform me thatcollection activities are being stopped. In accordance with 15 USC 1692c ( c ), I refuse to pay this debt. To be clear, Communication means reporting of an alleged debt to XXXX. Communication under the FDCPA means The convenience of information regarding a debt, directly or indirectly to any person through any medium. I demand this tradeline bedeleted from all national consumer reporting agencies as it is preventing me from obtaining a car and house for myfamily. Not to mention, the mental anguish that comes with it not being able to provide for my family.I am writing to claim all rights, titles and interest on the subject matter. This will be my 3rd time attempting to rectify this matter. I would appreciate your timely response as I am falling harder and harder on already hard times. 
Warm regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate. Having incorrect information can hurt my chances for upcoming approval.
Product: Debt collection

Company does not have ORIGINAL copy of original leasing documents. Company has been repeatedly calling violating privacy act. Company reported information to credit companies and didnt show proof of original contract. Company needs to remove this collection within 30 days. I do not owe this company. I do not OWE debt this company. Very rude employees and its proven on XXXX XXXX  for company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave XXXX, Equifax, or XXXX  ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action.

LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.
Product: Checking or savings account

I hope all is well I just would like to start off by saying thank you very much for allowing me to bank with you all these years. I was recently in the hospital and I had to get procedure done because I was in severe pain and I could not get to the bank to add funds to my checking account and resulted in me getting excessive over draft fees. I apologize I couldnt drive or even function until I had the procedure. This year has been rough on me as well as a lot of other people. I do apologize this was unexpected and out of my control. Can you please give me all the over draft fees back because they are excessive and are causing a hardship for me and my family. Please understand it was out of my control didnt even know this was going to happen unexpectedly just like this virus. Thank you for your time. Have a wonderful day and please be safe.
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is possible if the open date is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 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. 
XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Inaccurate Debt Collection Attempt by XXXX XXXX XXXX for XXXX Account Dear XXXX and Experian, I am writing to address a concerning issue regarding inaccurate information on my credit reports from both of your bureaus. Despite successfully removing the original account named XXXX from all three credit bureaus, I have recently encountered attempts by a debt collection agency, XXXX XXXX XXXX ( account number XXXX ), to collect a debt that no longer exists on my credit reports. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of consumer information reported by credit bureaus. I took appropriate steps to dispute and remove the XXXX account from my credit history, and it is alarming to discover that XXXX XXXX XXXX is now attempting to collect a debt that has been resolved. 

The sequence of events is as follows : I initially disputed the XXXX account due to inaccuracies, and it was successfully removed from my credit reports after investigation. However, XXXX XXXX XXXX has recently initiated collection efforts for this same debt, which has caused undue stress and confusion. 

I request a thorough investigation into this matter by XXXX and Experian. XXXX XXXX XXXX XXXX attempts to collect a debt that has been removed from my credit reports must be addressed promptly and in accordance with the FCRA. 

I appreciate your attention to this urgent matter and trust that you will take appropriate action to rectify the inaccuracies on my credit reports. Please keep me informed of any developments regarding this issue. 

Thank you for your assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX.
Product: Mortgage

I recently had my mortgage loan refinanced by another company. My original lender was Bank of America. I was told that my loan will be paid off XX/XX/XXXX or XXXX 2020. I went online to check the progress of the pay off of my Bank of America loan and they had removed my online account the very following day preventing me from seeing the payoff and any additional information. I contacted Bank of America and I was told that they have 15 days to send me correspondence. Today is XX/XX/XXXX and I still have not received one letter stating that my loan was paid off, and there is no payment due XX/XX/XXXX, or when my escrow account would be returned to me. 
I had a second mortgage also that was paid off and they kept my account online so that I could see the payment activity and they sent me correspondence to notify me of the payoff. 
I feel like Bank of America is withholding information and delaying the return of my escrow account which I need to pay taxes in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 16 CFR 433.1-Business Arrangement and Contract 15 USC 1684-XXXX Liability 15 USC 1692 ( b ) -Permissible purpose The Company disclosed my account information without my permission and/or consent ; there is no Contract andor Business Arrangement ; In turn, testifying false and misleading formation, which I did not give nor gave them any permission to report. Creating an adverse action affecting my credit file in a negative way. There is no Contract or Business Arrangement. I seek all damages and remedies applicable to this issue.
Product: Debt collection

Spoke with XXXX, used vulgar language very rude, constantly hanging the phone up in my face. Dont know how to properly communicate and get A understanding, she hit below the belt stating You need to pay your bills and which is A 100 % unacceptable comment to make. Absolutely disgusting attitude, I will make sure I push the issue on her as she is not showing any empathy or remorse as she is trained to do so. I simply called trying to resolve a debt and got nothing but a lot of attitude and vulgar language and this is my 4th time dealing with this.
Product: Debt collection

I spoke with the company regarding ticket debt after the county the tickets were owed to forwarded me to them only to find out this debt was in place for over 2 years I was never contacted by mail or phone or given the chance to dispute after calling and confirming my address I still received no letter and was told they will be adding collection agency fees to the debt
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] XXXX Account number : XXXX ] Equifax : XXXX XXXX, XXXX ] XXXX Account number : XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX DATE ( XX/XX/2023 ) {$560.00} -XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) {$220.00} XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) XXXX I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting or other personal consumer reports

inaccuracies regarding the last and further payment dates reporting as of XX/XX/21 & XXXX XXXX account is negatively impacting my ability to secure credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to Equifax ; XXXX XXXX XXXX a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.
Product: Student loan

I am the co-borrower for my son 's private career training loan, which I have been paying for 12 years. Every monthly payment has been made on time except for last month ( XXXX, XXXX  ) which could not be made because the lender 's computers were broken ; I called at the time to clarify what was wrong, at which time I was informed of the problem. I was assured that I would not be charged a late fee when making the payment. I was able to make make the XXXX payment through the lender 's computer payment system on XX/XX/2022. Upon making XXXX 's payment today, XX/XX/2022, there was a charge of {$51.00} for a late payment for XXXX 's bill. I called Navient. I, of course, got nowhere with the telephone clerk, who told me that she would send a message ; she could not tell me to whom she sent the message or the department to which she sent it. She further told me that there was no one with whom I could discuss the problem. I refused to pay the late fee and told her that I would contact the CFPB. The servicer/lender is Navient, which I think has its headquarters in Pennsylvania. I am furious that the computers that broke then charged me a late fee. Having no alternative and being shut out from speaking with anyone in authority at Navient, I have nowhere to turn other than the CFPB. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 an i quiry showed up on my credit reports from SYNBC/TJXCO Dual card. I have no idea who or what this is. I have never applied with them and I have never authorized any credit inquiries from them.
Product: Vehicle loan or lease

I got the car in XXXX they repoed the XX/XX/XXXX. They didnt contact me or anything. My account was closed everything was closed. I made my last payment in XX/XX/XXXX, that closed in XXXX. I found out through social media. Found out westlake took over, reached out to them they were so nasty disrespectful. I called between XXXX XXXX they sold my car for XXXX and they have XXXX on my credit i still have no car today.. lost my jobs lost my apt to. Still trying to get on my feet. I got one notice from after they sold my car and they didnt say it was sold. I lost my money, they violated my rights as a buyer.
Product: Vehicle loan or lease

I paid off the lease for {$16000.00} Hyundai Finance. I also sent in all the necessary paperwork the same day ( odometer reading ). I have yet to receive the title for the car. I have made numerous phone calls. I am not able to use the car because registration has expired. I will also have to pay a penalty to motor vehicle to register car. In the state of New Jersey if you register the car more the 10 days after the sale car you pay a penalty.