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

I recently reviewed my consumer report and notice an account is not reporting accurately. i have made payments on time. my XXXX is showing paid on time but my XXXX and TransUnion is showing late payments. please update all late payments to " paid on time '' or " Ok ''. with my XXXX XXXX bank credit accounts
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 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: Credit reporting or other personal consumer reports

Under code 15 use 1681a2 that my information was sold without my knowledge or consent my credit reports shows my accounts has been written off as a collection debt and it's closed and still on on my credit reports XXXX. XXXX XXXX XXXX ( XXXX XXXX ) for {$460.00} XXXX. XXXX XXXX ( XXXX XXXX ) for {$470.00} XXXX. XXXX XXXX XXXX for {$100.00}
Product: Credit reporting or other personal consumer reports

Section 605B of the Fair Credit Reporting Act ( FCRA ) deals with blocking information resulting from identity theft. Specifically, it provides a mechanism for consumers to request that credit reporting agencies ( CRAs ) block information on their credit reports that resulted from identity theft. Heres an overview of its key components : Key Points of FCRA Section 605B : Request to Block Information Due to Identity Theft : If a consumer discovers that certain information on their credit report is a result of identity theft, they can submit a request to the credit reporting agency to block this fraudulent information.

Documentation Requirement : To process the request, the consumer must provide : A copy of an identity theft report, typically filed with law enforcement or a government agency.

Proof of identity, such as a Social Security number or a drivers license.

Obligations of Credit Reporting Agencies : Once the CRA receives the proper documentation, it is required to block the disputed information within four business days.

The CRA is also responsible for notifying the entities ( such as creditors ) that furnished the fraudulent information.

Exceptions to Blocking Requirements : The CRA is not required to block information if it has substantial reason to believe that : The information is accurate.

The information was blocked in error or due to fraud in the identity theft report itself.

The consumer made a misrepresentation in the request to block the information.

Notification to the Consumer : If a CRA decides not to block the information ( due to exceptions ), it must notify the consumer in a timely manner, explaining the reasons for the decision.

This section provides consumers with important protections against identity theft by allowing them to remove fraudulent information from their credit reports, which can otherwise damage their credit scores and financial standing.
Product: Checking or savings account

Reference to my complaint XXXX # XXXX, Citi Bank has violated its commitment to issue refund payment of over {$100000.00} within 60 days after the closure of my account. The attached documents shows my CitiGold bank account with {$100000.00} deposits as of XX/XX/XXXX, in which Citi Bank has stopped sending the XXXX And XXXX statements. 
The amount of {$100000.00} has been transferred from my ExternaXXXX Bank XXXX XXXX XXXX with {$51000.00}, {$2000.00}, on XX/XX/XXXX and {$48000.00} on XX/XX/XXXX, The attached copy of my XXXX Bank account statements shows as evidence to the case. 

also,, as the my XXXX bank statements shows, Citi Bank has returned my last {$100000.00} deposit on XX/XX/XXXX, in order to comply to {$200000.00} opening checking account for {$1500.00} bonus rewards. 

I have brought these issues to Citi Bank Executive office attention without any clear response. I have noticed Citi Bank actions are irrational and abusive regarding my account. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My father purchased a car for me back in XX/XX/XXXX/XX/XX/XXXX. We opened a car loan with Santander Consumer USA. My father died in XX/XX/XXXXXX/XX/XXXX and while putting my name on the car loan and removing his name, they marked us both as deceased. I now have no credit score through XXXX. I have tried filing disputes through the agencies and the information comes back as " in good standing and correct. '' I have tried calling Santander and after several months of them trying to un-archive my account, I was told my name and information had been deleted from their database. They did not fix their issue by marking me as " living '' but deleted me entirely. Now when I call, they can not locate me or my case. I can not get a loan, a credit card, basic utilities in my name due to this mess. I have contacted a lawyer who didn't want to touch the case. What do I do? 
Thank you! 
F.P
Product: Credit reporting or other personal consumer reports

During the COVID19 pandemic, I was late one payment though I discussed this with XXXX XXXX. I was late only one payment due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told it would be excused and not reported as late. It was reported as late in XX/XX/year>.
Product: Mortgage

I was sent a letter from NEWREZ mortgage company saying I had a shortage in my flood ins. XX/XX/24 My mortgage was sold to them by XXXX XXXX with NO ESCROW. I pay my insurance directly through my Ins. broker, XXXX XXXX. 
All of my insurance is up to date. 
NEWREZ claimed I had to request the removal of escrow from my account even though they had my mortgage since XXXX of last year. All of my declaration pages list NEWREZ as the mortgage holder. 
They also asked for a handwritten letter to be emailed to them with the request XX/XX/24 I did and saved the email. I have started recording the conversations with them I am being given the run around and the whole thing smells. 
they are wanting a normal mortgage payment including the " shortage '' for XXXX I drafted a payment of my normal payment without the shortage because I do NOT OWE them any ins. money They are still expecting another whole payment including the shortage for XXXX I have taken a picture of the screen for their website online showing two both payments expected for XXXX. 

I think they are trying to establish late fees, and an attempt to ruin my credit over {$530.00} I also spoke to the Insurance company directly and recorded that conversation and they said they show no shortage or request for any money for the policy. 
I am not the only person having issues with NEWREZ, XXXX and other social media platforms describe terrible stories involving this company. 

What kind of attorney do I need to pursue legal options for a possible class action case?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX will not respond to any phone calls or emails regarding incorrect information they have filed with credit bureaus. They have filed a collection that has nothing to do with me. I do not own a construction company in MD. Someone else has used publicly available info on my business and now it is resulting negative info in my personal credit profile
Product: Checking or savings account

I am a consumer that routinely remits monthly payments by check to a financial institution that collects and processes consumer payments for thier corporate client using remote lockbox remittance processing facilities. It has been observed that latency exists between the Bank providing lockbox remittance processing and the eventual date that a debit posts to my consumer checking account and is eventually posted on my monthly statement from the corporate client. In attempting to investigage the latency it was observed that theXX/XX/XXXXXX/XX/XXXX is not endorsing or dating remittance payments for payments by check recieved and processed at thier XXXX XXXX, Nevada lockbox operations, making it difficult for the consumer to detect the chronolgical start of the banking audit trail when the check is first captured for payment by the XXXX XXXX XXXX XXXX. The lack of any clear, visible dated endorsement identifying the processing XXXX XXXX XXXX XXXX makes it difficult to understand the financial institutions involved ang analyze payment processing latency. The involved XX/XX/XXXXmay be : - Western Alliance Bank, or - XX/XX/XXXX - or other undetermined financial institution See attached supporting documentation for further details.
Product: Checking or savings account

There were two withdrawals from my checking account on XX/XX/2022, one for {$8400.00} and one for XXXX. These transactions were not authorized by me. I was the victim of identity theft. I have talked with several people at this institution to no avail. I received an email from their escalation department on XX/XX/XXXX saying that they have tried numerous times to reach me at my phone number ; however, I have received no calls from them. They have given me 15 days to get back to them, but they do not return my calls. 

XX/XX/2022 XXXX XXXX XXXX XXXX {$8400.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX UPGRADE , INC . 
XX/XX/2022 XXXX XXXX XXXX XXXX {$3500.00} Please help me to get my money back. I have filed claims with my bank.
Product: Credit card or prepaid card

Capital One Mastercard fixed a fake exchange rate on my transactions to overcharge me during XXXX XXXX. The charges are in XXXX dollars where the rate was 2 to 1 at the time of the charge, the posting and today ( XX/XX/XXXX ). Yet they imposed a XXXX exchange rate arbitrarily. I want that fixed and to be refunded all overcharges. I spent an hour on the phone with capital one and they could not address the issue or refer me to someone who could.
Product: Money transfer, virtual currency, or money service

I was living in XXXX, Colorado from XX/XX/XXXX to XX/XX/XXXX. Sometime after moving there I had my car broken into and my passport stolen. Sometime after that my identity was used to open several account for various things. I was sent multiple bills for around {$1000.00} to {$4000.00} that I have had to dispute and a new one I am currently disputing right now. I have also been a victim of a car loan from a company called Santander XXXX. After disputing the smaller charges with phone companies, I was left with the Car Loan of {$14000.00} half of which was paid for. Thus, leaving {$7500.00} worth of debt unpaid. This was already on my collections by the timeI realized this and it tanked my credit score. I couldnt get approved on an apartment in XXXX I wanted and realized I should move back to texas. I literally had to move back home because of this identity theft. I then contacted the company thinking everything would go smoothly but that was far from the case. Around XX/XX/XXXX I contacted Santander regarding the identity theft and they told me to print out and sign a fraud packet. I submitted the fraud packet by mail like they had asked with all the correct info only to be told a later they do not receive physical mail anymore due to covid. I was very frustrated as these were the directions on the packet. They then told me to email the documents. After emailing the documents I waited a month for being told that they were unable to approve the fraud packet. I called the company and they told me the issue was that the file type was not correct. After that I was extremely furious as they could have mentioned this sooner. I made sure the file type was correct, I sent the documentation to multiple of the emails they provided and made sure they received everything. Another month after that I received an additional letter denying their " approval '' of my fraud claim. I have {$7500.00} worth of debt on my collections that isnt mine and is destroying my credit. I would like to one day buy a car and a home and this is causing me immense stress and anxiety. I had to relocate because of this. I don't know what else to do because this company is not making it easy when all the phone companies approved my fraud claim instantly. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I decided to request all my credit reports from all XXXX credit bureaus. I noticed that there was an account on the report from Experian that I knew nothing about from XXXX, XXXX XXXX XXXX. They were reporting that I had an account that originated on XX/XX/2020 with XXXX XXXXXXXX for {$520.00}. I didn't recollect visiting the XXXX at all. As a result, I decided to check the claims submitted to my insurance company for the last XXXX months as well as any payments made from my XXXX account to verify that I had paid a visit to the XXXX on that date. I found nothing. I had not visited a XXXX at all. I decided to dispute the charge and while awaiting the results look into this company. I found many complaints about this company and their reporting of incorrect information as well as not working with consumers to correct any issues. When I received an update about the dispute saying that the company verified that the debt was mine ... I was floored. My first time ever hearing anything about this collection company or alleged debt was when I viewed my Experian credit report. It's not on the reports from the other credit reporting agencies. I called Experian and asked what documentation was presented and was told none.Which is unbelievable and believable at the same time. I haven't received any documentation nor have I ever been contacted by this company. I was told to contact the company or to upload documentation to prove it's not mine. Of course I am afraid to do so because attempts by others only resulted on frustration and I don't want to provide them with any of my information out of fear. I have reached out to what is now known as XXXX  and was known as such at the time of this alleged incident to try to get answers. It's unsettling to know that a debt collection company can report whatever information they want to credit reporting agencies without documentation. This is not my debt and I would like it to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Notice : Cease Unauthorized Credit Reporting Immediately - Illinois FCRA Identity Theft Fraud Laws Enforcement Dear NATLCRSYS, I am writing to formally address a serious violation concerning the unauthorized reporting of information to my credit report, in direct violation of the Illinois Fair Credit Reporting Act ( FCRA ) under Sections 815 ILCS 505/2QQ, 815 ILCS 505/2NN, and 815 ILCS 505/2RR, as well as pertinent identity theft fraud laws, specifically Illinois Compiled Statutes XXXX XXXX ILCS 5/16G-15. 

It has recently come to my attention that NATLCRSYS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, contravening both federal and state regulations. The FCRA, a federal statute, unequivocally mandates that consumer consent is an essential prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Illinois state law, particularly Sections 815 ILCS 505/2QQ and 815 ILCS 505/2NN of the Illinois FCRA, underscores the critical importance of consumer consent for credit reporting. Furthermore, XXXX  XXXX ILCS 5/16G-15 of the Illinois Compiled Statutes outlines severe penalties for identity theft and misuse of personal information, emphasizing the gravity of unauthorized access.

I assert unequivocally that I have not provided consent for NATLCRSYS to report any information to my credit report. This clear absence of explicit permission constitutes a direct violation of my rights, with potential ramifications for my creditworthiness, and represents a flagrant disregard for federal and state laws. 

I demand, with utmost urgency, that NATLCRSYS immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the Illinois FCRA under Sections 815 ILCS 505/2QQ and 815 ILCS 505/2NN. Failure to comply within the prescribed timeframe will be interpreted as willful noncompliance, subject to severe penalties under applicable laws, including identity theft fraud statutes. 

It is imperative to recognize that obtaining consent is not discretionary but rather a legal obligation under the Illinois FCRA and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers ' rights against unauthorized and harmful credit reporting practices. 

I expect immediate action on this matter and trust that NATLCRSYS will promptly rectify these egregious violations, thereby demonstrating respect for my rights under federal and state laws. 

This communication is made in good faith. 

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

The credit reporting agencies removed some but left a few that were due to ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The cares act has been in continuous effect since XX/XX/XXXX. 

XXXX ... servicer of my govt studend loans has twice ( x5 loans =10 neg reports ) reported negative pay status of 120 days. 
Federal student loan payments are scheduled to restart beginning in 60 days.. President Joe Biden extended temporary student loan relief through XX/XX/XXXX, which was his third extension. this makes a total of five ... more imoptantly... 

why do i have the the servicer of federal loans reporting negative status during this timeframe? 
i have disputed this twice now... i still have negative reports. 

the cares act has been in continuous effect since XX/XX/XXXX and currently runs through XX/XX/XXXX ... No negative status reporting during student loan relief... XXXX is wrong to do so...... TWICE... why is this so hard to understand? Why are they ruining my credit? 

XXXX XXXXXXXX XXXX XXXX ( service connected ). last gainful employment XX/XX/XXXX. 
Unemployability- fully developed claim SUBMITTED XXXX and wrongfully denied XXXX, XXXX claim error presented to Veterans law judge- currently under review
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX  XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit card

I filed a dispute to receive credit for a purchase. In the mean time, XXXX issued a credit for the purchase but Goldman Sachs did not return the disputed funds back to XXXX even though I was told the funds would go back to the merchant ( XXXX ) in 3 - 5 days. This was XX/XX/24 and XX/XX/24. As ofXX/XX/24 I had to pay XXXX the funds Goldman had not returned.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. 
The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

As per the Borrowers defense application I filed a few years back my loans were discharged by the Department of Education and therefore my loan history have to be deleted and any credit report tradeline associated with the discharged loan ( s ) associated to XXXX XXXX XXXX XXXX XXXX XXXX even if these have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account, please provide physical proof of late payment. Also, please provide method of verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX