23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First, Fifth/third claimed I didnt have homeowners Ins on the property. Spent numerous hours on the phone with them and my insurance company to get them the proof they needed. Fifth/third refused to document this information even though my insurance company had written documentation of sending them the required documents numerous times. Fifth/third then opened an escrow account in my name charging {$400.00} plus for insurance I did NOT need. In order to protect my credit I was forced to pay the excess until they cleared the insurance issue. During this time I received harassing, non stop phone calls from them!!! Even on Sunday morning at XXXX XXXX!! 
Second, during this inept show of customer service I went into the local branch to pay my mortgage. I then started getting non stop calls claiming I didnt make the required payment??? 
I called and was demanded to pay the imposed late fee before I could speak to a customer service rep! I demanded to speak to someone and was finally connected. She was able to sort this out however now this month I began getting those harassing nonstop phone calls again asking for my XXXX payment. I pay it on the XXXX like I always have. They claim it has to be paid by the XXXX. Really? Ive always paid by the grace period and now its not okay?? My payment is NOT late and never has been!!! 
I have 40+ years of perfect credit. 
This company has harassed and violated the Fair Debt Credit Act along with causing undue stress to me. I would encourage ALL consumers to shop elsewhere for a mortgage. This company shows a total lack of respect for its customers!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My Bank of America account was hacked and frauded of {$9500.00}. Someone acquired my information and deposited checks into my account and then withdrew the money from my account and I was n't notified by my bank about any of this activity. My account was forcefully closed and I have a negative balance of {$9500.00} that the bank says I 'm liable for. I filed a claim and was told that I would receive papers to finalize my claim but instead they asked me questions over the phone and took my claim that way. My claim was denied within 24 hours and I have inquired about appealing my denied claim but no one will take my questions regarding that. I just want the debt resolved as I did n't write the checks or authorize any of the transactions that occurred.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan with XXXX XXXX. That loan was purchased by SoFi. 

SoFI began servicing the loan in XX/XX/2024. The personal line of credit loan includes an automatic monthly EFT for interest payments. I have made 4 requests to SoFi to mail me statements for my loan. 
Despite 4 phone calls and spending more than an hour on the phone with SoFi representatives I have never received any documents regarding my personal line of credit or withdrawals, balance or statements. 

It is my understanding that if I have recurring EFT transfers from an account the financial institution is required to provide a monthly statement if requested. That request has been ignored on multiple occasions. 

I most recently spoke with XXXX, customer service rep from SoFi, who told me she could not mail me statements for my loan or my recurring withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please investigate and fix the accounts listed below. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$240.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Debt collection

My debt dates back to 2002. I was given the credit card through XXXX XXXX, then they decided to close my account with no explanation. I was not working and my boyfriend has gotten deported, my baby was hospitalized, and they did not want to work payments with me. I now have XXXX children, a single mother, on public assistance. The last time I worked they tried to do wage garnishment, they seized money from my XXXX XXXX account, Im afraid to leave money in the bank. This debt is very old, and is stressing me out. The balance has more than doubled and is outrages and unfair, and they have threstened to seize property i dont have because I am on XXXX XXXX XXXX, and they served me court papers throughout the past years harassing me. i cant even work because they want to garnish my wages and i have children to support.
Product: Credit card or prepaid card

Someone stole my card and the XXXX card was in my purse which got stolen too with driver license social security cards and XXXX will not refund my money they think it was me I did a police report and found out who did it XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, }.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit file that do not belong to me and were not authorized by me.
Product: Checking or savings account

Wells Fargo has cause me a minimum of {$4000.00} worth of damages. Firstly without representation they changed my checking account from free to XXXX XXXX monthly and had been charging me for the last 3+years. Plus Ive have on XXXX separate occasions where they let someone clear out my checking account in person at one of there banks and while it was taking 10 days ( each time ) to refund they still charged my debit card for being over drawn and my credit card for not have the money to pay and for being late. When I tried to borrow money to pay the credit so I wouldnt be charged a late free, the only interest they would give me on such short notice was XXXX XXXX effective as soon as check would be cashed. They have severely hindered my life and cause me economic hardship due to all this
Product: Debt collection

Subject : Request for Removal of Outdated Information Under Section 605 Dear Sir/Madam, I am writing to formally request the removal of outdated or inaccurate information from my credit report in accordance with Section 605 of the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I found the following entry that is either outdated or inaccurately reported : Reason for Removal Request : [ Briefly explain why you're requesting the removal for example, the account is older than 7 years or is inaccurately reported ] As per the FCRA, negative information ( such as late payments, collections, or charge-offs ) can not remain on a credit report for more than 7 years from the date of the initial delinquency. Additionally, bankruptcies and other adverse items may only be reported for a specific time period.

Please remove the above-mentioned account or entry from my credit report, as it no longer meets the legal requirements for reporting under Section 605 of the FCRA. 

I appreciate your attention to this matter and look forward to receiving a prompt resolution. Please provide me with a written confirmation of the update to my credit report. 

Thank you for your time and cooperation. 

Sincerely,
Product: Debt collection

ACCOUNT NAME NATIONAL CREDIT ADJUST XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit card

Numerous credit cards have been issued without my knowledge or permission and also somehow these credit cards was taken payments without any permission from me and I dont know who accessed my accounts. Identify theft
Product: Debt collection

Dear CFPB, There are two Collections accounts on my three credit reporting agency reports that are either not mine or are reporting seriously incorrect information. 

They are XXXX XXXX with an open date of XX/XX/XXXX and XXXX XXXX with a open date of XX/XX/XXXX. XXXX and XXXX have similar Collections reported. 

Last year, I contacted the three Credit Reporting Agencies about these collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agencies did not respond to my request for validation. I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time and so I know for sure these are not my debt as currently reported. 

I am extremely worried that these collections are either not my debt or have been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency After contacting the collection agencies and the three credit reporting agencies, I do not know what else to do. Can you please assist in me in getting these erroneous collection reports removed from my three credit reports? 

Sincerely, 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 posing 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

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 writen instructions.
Product: Credit reporting or other personal consumer reports

I requested the account be investigated for inaccuracies being reported on my report. I am in disagreement with the account listed below which still appears on my credit report after your investigation. This account was charged off on the following month XXXX of XXXX, since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations Not to mention the inaccuracy information being reported across the XXXX reporting buraus. You failed to investigate this account properly and your neglect has violated my rights. I am demanding the deletion of this account. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 OF XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

A former bookkeeper we fired opened credit accounts in our name. Bank of America is one of those accounts. We have sent police reports and FTC ID Theft notarized affidavits to Bank of America. BofA is not taking the action required under the FCRA to delete this fraudulent account from our XXXX credit file. Deleted from XXXX and XXXX, but not with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 1. XXXX Inquired on XX/XX/XXXX 2. XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX OF XXXX Inquired on XX/XX/XXXX 4. XXXX BANK Inquired on XX/XX/XXXX 5. XXXXXXXX XXXX Inquired on XX/XX/XXXX 6. XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

XX/XX/2021 {$1300.00} they can not validate this debt is mine I request them to validate it and if not they need to remove it from all credit bureau.
Product: Debt collection

On XX/XX/2018 I have contacted a agency called Credit Collection Services and XXXX XXXX XXXX advising them that I discovered a account that has been opened as a result of fraud. This agency failed to assist me with any concerns regarding the fraud and account that I requested to dispute.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit repot, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failed to adequately notify consumers of dispute outcomes. 

XXXX XXXX has changed me an incorrect amount of {$10000.00} on XX/XX/year> Experian has failed to send me over information.
Product: Debt collection

I reached out to company but they are no longer the original company i had contract with. I couldnt make payment due to no work for from a XXXX XXXX and had XXXX i was out for 2 months and finally got back on track back to work but the account had be moved or sold to different company. I called that company but i needed some paper work confirming account and amount i will be paying. Never received any information on this new company.
Product: Vehicle loan or lease

I refinanced my auto loan through Innovate Loan Servicing. Whenever I have a problem with my loan I can not contact them directly by phone, e-mail, or chat ; XXXX XXXX XXXX XXXX, the broker that put me into this loan, has to act as an intermediary between myself and XXXX.
Product: Debt collection

This company is reporting  XXXX  separate accounts that are linked to my  SSN,  dates ranging from  XXXX   XXXX , 2008-  XXXX   XXXX ,  2008 . All  XXXX  accounts are with a  XXXX  balance, however it is reporting as a bad charge off/ closed account to the  XXXX  credit burea us  XXXX  ,  XXXX , and  XXXX  . This information is incorrect and is hindering me from having a better credit report/score
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle on XXXX XXXX,2017 and have several hard inquiries on my credit report. The only company that was authorized to access my credit was XXXX XXXX.
Product: Credit card

XXXX XXXX I called capital one to ask them to close my account. I asked for the pay off. The agent advised they would apply the {$400.00} I paid to start the account and that would leave. {$270.00} Which I paid online confirmation code XXXX. Then next month I receive a letter from capital one which I ignored because I thought it was sent after I paid and closed my account. Maybe XXXX months are so go by I receive a bill. I immediately called and the representative stated that the previous representative did not give me the correct pay off and that there was a {$3.00} interest charge that was not included in the amount the previous representative advised and late fee for not paying the {$3.00}. I advised the account is closed and that I called to close. Mind you their calls are recorded and I would like them pulled for court. Multiple times they dropped the ball and continue to report to the credit bureau and now say I owe almost {$200.00} in fees and penalties for an account that I closed. The last time I called the representative advised he would wave the fees and close the account. That was probably around XXXX. We are now in XXXX and they have continued to charge when this account was paid in full supposed to be closed and when they made a mistake and only showed like {$14.00} in fees they advised again they would wave the fee and close the account. To this day they are charging me fees and interest when I don't owe anything and still have not I closed this account. I don't owe them anything and this has hurt my credit for almost a year. They have messed with my lively hood and should be held responsible for what they have done. I would like to press charges but the police stated it would be a civil matter so I am starting here before contacting a lawyer on what to do against this multimillion dollar company that is trying to XXXX and discredit me.