23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the unauthorized access and use of my personal information as it relates to my consumer credit report and financial data. Upon reviewing my records, I have identified instances where my personal and financial data were accessed or used for account XXXX without my consent, in violation of the following federal statutes : 1. 15 USC 6802 Privacy of Consumer Financial Information : Under this provision of the Gramm-Leach-Bliley Act, financial institutions are prohibited from disclosing personal financial information without explicit consent from the consumer. I assert that my personal financial information has been accessed or shared without my consent, which violates the provisions outlined in 15 USC 6802. I request immediate clarification and resolution regarding how my data was accessed and why this occurred.

2. 15 USC 1681b Permissible Purpose for Obtaining 
Consumer Report : Under the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed for permissible purposes as defined under 15 USC 1681b. I do not believe the party requesting access to my credit report had a valid, permissible purpose to do so. I request that you provide a full explanation and documentation of the legitimate purpose for any inquiries made into my credit report, as well as any actions taken based on that information.

3. 18 USC 1028A Identity Theft : The unauthorized use of my personal information may also constitute identity theft under 18 USC 1028A. If my identity has been stolen, I demand an immediate investigation into this matter, and all necessary actions to rectify any fraudulent activities associated with my name and personal data. I request that you provide me with detailed information on any suspected fraudulent activities that have occurred. 
As a consumer, I have the right to protect my personal and financial information from misuse and unauthorized access. Please investigate these concerns immediately and provide me with a resolution. If my information has been accessed or used inappropriately, I demand that corrective actions be taken and any negative impacts on my credit report be corrected immediately
Product: Vehicle loan or lease

Im in the process of getting a mortgage when it came up by the mortgage broker that I have late payments listed on my closed Santander account for XX/XX/XXXX and XX/XX/XXXX. I filed disputes with all the 3-credit reporting agency, and they all responded that the data is correct and to contact the company that furnishes the data, Santander Consumer. I contacted Santander Consumer Customer service on XX/XX/XXXX and the person I spoke with, XXXX Emp # XXXX, said that she doesnt see why they are showing as late payments and spoke to her manager. After returning, she said the manager said I  would have to write a letter to have them investigate, I explains Im in a time crunch and would like to talk with the manager. After 25 minutes of waiting, I was able to speak with the manager, XXXX and explained that I dont have the time to send a letter and wait for a response since Im in the process of getting a mortgage. After explaining that that sending a letter was not an acceptable solution since its not my fault, they are reporting fraudulent data. She eventually was able to transfer me to her supervisor, XXXX ( XXXX?? ) who was very nice and helpful. She took her time to listen to my problem and asked for the details and said she would email the department to investigate the reporting issue and would get back to me ASAP but no latter then 72 hrs., with an answer. Here we are 3 days after the 72 hrs. and after spending almost 2 hours on the phone with them on XX/XX/XXXX, I still have not received any emails, calls, voice mails and/or texts. I spoke with an attorney and she said the only options Santander really has is to either corrected the reporting or just delete the tradeline, this needs to happen ASAP since this is hurting my creditworthiness and them not doing anything means they are being negligent. The consumer reporting agencies didn't add the Santander tradeline on my credit report, Santander did and by law they are REQUIRED and RESPONSIBLE to furnish information that's accurate and complete. 

I have included a copy of the errors on my XXXX report but also have online reports from XXXX & XXXX XXXX showing its not just an issue with XXXX.
Product: Mortgage

Let me begin stating we had Never missed a payment prior to Covid-19. Due to Covid-19 the main provider in the home was furloughed from his position. Around XXXX or XXXX of XXXX we were sent information about rent and mortgage deferment to help those affected by the Coronavirus and accepted that solution. We could be in a better place to make regular payments in XX/XX/XXXX. However, I received a letter indicating we must come up with the entire deferred amount or default. That amount is {$26000.00}. We could not possibly make such a payment. We are asking was that supposed to be the case as part of the covid relief? I XXXX any help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX & Transunion is reporting unverified accounts in collections. Accounts have been disputed but Transunion failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$280.00}
Product: Credit card

XXXX XXXX credit card ( last XXXX of apple card XXXX ), charge was made on my apple credit card on XXXX, by a company named.kpsbventureslic for the amount of {$1400.00}. I disputed this transaction on XXXX XXXX and a provisional adjustment was made.On XXXX XXXX apple reversed it back on XXXX XXXX, claiming they investigated and favored the merchant. They asked for documentation proof and that I find puzzling. How do you prove a transaction was authorized when you don't even recognize the company. I have attempted to contact the merchant several times but I never got a response back.There are no signatures or contract proving this transaction was authorized by me PERIOD. The burden of proof was supposed to be on them. This a fraudulent charge and I need it reversed promptly.I have patiently waited 3 months to resolve the issue.I know my consumer rights and I want this unauthorized charge returned back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I checked my credit report and I noticed that I still have some inaacurate information up there I have already tried to fix this issue but they will not correct the inaccurate information
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : Mercury cc # XXXX
Product: Student loan

The company aidvantage keeps sending me emails saying my payment was reversed and Ive tried to to pay twice now and both times got rejected. They say my bank account isnt correct but I checked with the bank and everything was fine on there/my end. Aidvantage is saying that I have delinquent payments now that arent my fault and their wait times for a phone call or or an email horrible. Two hour wait times are ridiculous for a student loan company as I do not have the time to waste 2 hours to not even speak to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over XXXX days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have XXXX days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021 I send a letter to TransUnion to validate and delete XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.
Product: Debt collection

I called Transworld on XX/XX/2022 and spoke to XXXX XXXX and told her that this is not my dept but it she told me she will file a report but it wont be taken off. sHE TOLD ME IT WAS A SCHOOL LOAN. I DONT AND HAVE NOT BEEN TO SCHOOL This needs to be taken off. 
XXXX XXXX XXXX has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$820.00}
Product: Checking or savings account

My Bank is Citizen 's bank. My account has been negative for almost 3 weeks now because i have about 5 or 6 {$35.00} overdraft fees that I can't get out from under. That's about $ XXXX {$180.00} just in overdraft fees. My account is currently XXXX negative. Half of it is overdraft fees. Banks should not be allowed to charge more than 3 at a time. This is insane how is anyone supposed to live. When I called the bank to see if they can help me out since they do courtesy refunds on the overdrafts. I was denied due to having one back in XXXX and one in XXXX last year. Looking at my account they were not courtesy refunds, they were refunded back to me because i won a claim I filed.
Product: Credit card or prepaid card

In the middle to end of XXXX I had numerous of unwanted /unknown charges to my checking account. My bank took some time to refund me some of these charges but not all. So I set up a payment for my credit card on XX/XX/2023 XXXX and it was returned due to not having all the funds returned to me by my bank so I initiated the payment again for XXXX on XX/XX/2023 and the payment was returned again due to unknown charges to my checking. I resolved the issue with my bank and had the funds back in my account. So I Initiated the payment for the 3rd time on XX/XX/2023 and it went through and processed. I spoke to a representative with the XXXX XXXX XXXX company and she states she didn't see that payment on the account and that I needed to send them my bank statement to show a payment was made. So a week later I spoke to another representative she states she sees where the payment goes through. Of course I incurred late fees do to this debacle. So I proceed to check the app and after the payment was credited it says I had a payment do for the following month of XXXX and I made a payment of XXXX on XX/XX/2023. A few weeks later I received a ding on my credit report that I was marked 30 past due or missed payment with this XXXX  XXXX while I'm continously making payments. I'm making payments and still receiving late fees so i feel like I will never get to pay this card off because of unnecessary compounding fees. I've spoken to numbers of representatives and they state they can't help me because that was a system generated problem and that they will refer me to the back office to have them look at my statements but nothing has been done. Please help! I feel this is very unfair.
Product: Money transfer, virtual currency, or money service

I deposited {$1000.00} into coin-base from my bank on XXXX XX/XX/year>. I have since completed XXXX transactions with the money in my account. The only thing I have attempted is setting a buy limit, in which I cancelled before anything was bought. My account is security locked now so I am unable to withdraw anything from the app. Yet I can still trade and buy within Coinbase. So they are able to hold my funds interest free and give me XXXX options to withdraw or remove this lock on my account that they have been yet to explain. Coin base should not have the power to hold my money without being able to explain to me why. It is XX/XX/XXXX and I wont have access to my funds until XX/XX/XXXX? That is over a month lock due to fraudulent activity which they have refused to elaborate on. Their customer service and support is terrible. Hours of wait time to speak with a representative and conversion with their bot has lead to incomplete answers.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am submitting my complain for you to re-investigate the inaccurate items on my credit file immediately. I have not received any written removal regarding this issue. Based on FCRA, Section 605b It was the responsibility of the 3 credit bureaus to remove those fraudulent items which doesn't belong to the owner. The following items should be deleted and make sure they doesn't re-appear again on my current credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX BANK XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX CO XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX {$690.00} XXXX/XXXX XXXX {$4400.00} XXXX XXXX {$60.00} XXXX XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please move the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Inaccurate and Misleading Credit Reporting - Request for Immediate Deletion of Erroneous Information Details of the Complaint : I am submitting this complaint regarding the inaccurate reporting of a charged-off account by XXXX and Equifax, which violates the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve this matter directly with the credit bureaus, the inaccuracies persist. Below are the specific details : 1. Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Charge-Off Date : XXXX XXXX. Violations of Reporting Standards : XXXX continues to report this account as past due with a balance of {$1900.00} as of XX/XX/XXXX, despite the account being charged off in XXXX and written off by the creditor. This misrepresentation violates FCRA guidelines. Once an account is charged off, the creditor can not report it as past due. 
Equifax shows the date of first delinquency ( DOFD ) as XX/XX/XXXX, but also continues to report late payments post-charge-off. Late payments after a charge-off date are legally impermissible and misleading to creditors. 
Both bureaus continue to report the charge-off with inaccurate balances and payment history, even though the debt was declared uncollectible years ago. 
3. Requested Resolution : I demand the immediate removal and permanent deletion of this account from both Equifax and XXXX credit reports due to repeated violations of the FCRA. 
Update the account to reflect the correct charge-off status and ensure it is removed according to the XXXX timeline from the DOFD ( XX/XX/XXXX ), per FCRA guidelines. 
4. Harm Caused : These reporting errors have caused me financial harm by lowering my credit score and misrepresenting my creditworthiness to potential lenders.

5. Supporting Documentation : I have attached copies of my credit reports from both XXXX and Equifax, highlighting the erroneous reporting. I have also included the DOFD and charge-off details for reference. 

Action Requested : I am requesting the CFPB hold both XXXX and Equifax accountable for violating my consumer rights under the FCRA. I demand the immediate deletion of this account and a full investigation into their non-compliance with federal law. 

If this matter is not resolved promptly, I reserve the right to escalate this issue further, including filing a lawsuit for damages caused by these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX  Account Number : XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX # XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

I applied for a mortgage with Navy Federal Credit Union on Monday, XX/XX/XXXX via the webpage. I also called them to ensure all the information was received. It was confirmed, and I was told that I would receive a call back in the next day. I called again Tuesday evening around XXXX asking for a status and needing the early disclosures for shopping and picking the best mortgage. I was told it still was not assigned. I reminded the member services representative that those had to be supplied within 3 days of application. She stated that was not the case and it normally took at least 3 days for the loan to even be assigned to a loan officer. On Wednesday, XX/XX/XXXX, I received an approval for another mortgage lender and just decided to proceed with them since I still have not heard from Navy Federal. I called them back the night of the XXXX and just explained that I was not going to proceed and my frustration with the entire process. Today, Friday, XX/XX/XXXX, I received a call from the loan officer wanted to confirm that I wanted the application withdrawn and explained that he still needed to send me the early disclosures. I explained my entire situation and told him that the disclosures should have already been issued based on my date of application. He explained they had 7 days to do this. This, of course, was news to me and I have researched this issue and all my research reveals they should have already been issued. Personally, I will no longer do business with Navy Federal Credit Union. As a member-owned cooperative, I expect more from them. I, however, do want to bring this to the knowledge of management as this is not fair to their members or other consumers. The entire purpose of the early disclosures is to allow consumers to shop and compare. In this case, I did not have that option with Navy Federal. I also explained to the loan officer that I was going to file this complaint as it is important for their success. Based on their webpage and how they advertise their mortgage process, it is extremely misleading for consumers to think they are going to get a speedy response and even required disclosures. The loan officer did explain they were having a lot of issues with this newly installed system. While I understand this, an organization the size of Navy Federal should be positioned not to allow violations such as this. Thank you.