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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$550.00} ; XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in

breach of multiple federal regulations governing credit reporting. Outstanding Compliance Issues :
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries about an mortgage and car loans and a couple other unknown credit card companies that are not being inquired from myself and I have a concern about the research information that I obtained in regards to my credit report and I have to say that after I received the letter from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and them saying that my personal sensitive information has been compromised by the web payments regarding some credit cards and payments due by 2020 and I have never tried to get a mortgage or a loan for a house in all my life and I have been trying to understand why I have been asked questions about my credit report and been told that they could not identify me giving the information I provided, which is the correct information for my life and my own actions. But because I didn't answer the questions right that means that someone is using my identity and my credit report for their own benefits and I don't have a clue what to do about the situation and the legalities regarding the situation as being a person that has been a victim of identity theft and my son as well. My deceased father 's veterans affairs have been breached and I have been left behind in regards to the changes that I was supposed to look forward to after my father 's death, I was not mentioned as his youngest daughter and I have been trying to get the details from the SSA and the VA. I have a list of suspects that I can provide that could be involved in regards to my credit report and identity theft as well as my father 's information and my youngest son and his grandmother opening up a account for a check to be direct deposited into the savings account with my son 's name on it and it was titled as a XXXX check with research it is a back child support payment for the child my son. I believe it was stolen from my family and I want to get to the bottom of all the things that are going on, I know my son 's father is using people 's identity that have passed away and that have no idea that he is stealing their identities. My email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX Manager / Sir/Madam, I am writing to formally dispute and request the removal of the following accounts that appear on my credit report. These accounts contain numerous inaccuracies, are unverifiable, and are reported in violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681. I have previously disputed these accounts, yet your agency verified their accuracy without providing the methods or procedures used in the investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This response falls short of legal compliance and my consumer rights under federal law. 
The accounts in question included in the attachments here.
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. 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. 

XXXXXXXX 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

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

on XX/XX/XXXX, we sent out a certified letter to COMMONWEALTH FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CERTIFIED MAIL RECEIPT number XXXX Sent a letter of validation to their office. 

They received it XX/XX/XXXX at XXXX and have waited for their response. 

Today is XX/XX/XXXX and haven't heard from them at all. Under the Fair Debt Collection Act, they have to show proof of obligation and I am aware they have XXXX days to do so. 

They also have not removed the alleged collection from my credit report
Product: Credit card or prepaid card

I opened an account with Lending Club back on XX/XX/2020 for {$13000.00} for a medical procedure. I made the first payment which was due on XX/XX/2020 in the amount of {$450.00}. I then called Lending Club on XX/XX/2020 to have XXXX XXXX payment deferred, which was granted by Lending Club. I then called Lending Club again on XX/XX/2020 and asked that XXXX XXXX payment be deferred as well and that was also granted. During this time my hours at work were originally cut and then I wound up on unemployment. That led me to call Lending Club once again on XX/XX/2020 and ask that XXXX and XXXX XXXX payments be deferred as well, because I needed a little bit of time to get my finances in order. At that time I spoke with a supervisor and she advised me that she would make a note in the system, but that I had to start making payments come XX/XX/2020. I happened to run my credit in the beginning of XX/XX/2020 and I noticed I had four late payments on my credit report which is greatly affecting my credit score! As I stated earlier my hours were originally cut and then I would up on unemployment and I was trying to juggle whatever money I was getting from unemployment to not only provide for my family but to also make agreements with my other creditors. I have two auto loans, another line of credit with XXXX XXXX and various credit cards and everyone else has been so understanding and accommodating during this difficult time ( COVID pandemic ). Not only do I have a late payment on my credit report for XXXX and XX/XX/2020, I also have a late payment for XXXX and XX/XX/2020 and that is totally incorrect. XXXX XXXX payment was made on time and XXXX XXXX payment was made six days late but it clearly states on XXXX XXXX website that " members have a 15 day grace period to make payments with no penalties ''. My account is currently up to date and will continue to be for the duration of the loan, I just needed a little bit of time to get my finances in order when money was tight for me.
Product: Debt or credit management

We have a bill with this credit collections company. We have been making payments on that bill for a while now And the total amount never seems to go down. We have paid at least {$600.00} in the last 7 months and the amount remains what it was when we 1st started.
Product: Debt collection

I was contacted about debt that I owed toward an old payday loan. Initially, I was told that a suit would be filed against me in the county I live in. I contacted XXXX XXXX XXXX, who told said they had tried to send me a written notice, but it was to an address I haven't lived at in several years. 

They emailed a Dunning notice to me. I had already reached out to Spotloan, which is the company I had taken the payday loan from several years ago, to verify my account information. The account number they gave me didn't match the original account number listed on the Dunning notice from XXXX XXXX XXXX. 

I attempted to mail a letter of verification to the PO box listed on the Dunning notice ( XXXX XXXX XXXX, XXXX, NY ), but received notice from the USPS that the letter couldn't be delivered because the address is vacant. This is also the address listed on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DATA BREACH WITH EQUIFAX CAUSED SOME ITEMS TO SHOW UP ON MY CREDIT REPORT SLOWING TAKING IN THE REPORTS
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 the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2023, I XXXX  {$500.00} to XXXX XXXX to pay for his IT services, from my BofA account. However XXXX XXXX never received his {$500.00}. I did called BofA for information more than once. Per BofA customer representative, the money was sent to a XXXX XXXX  account. XXXX XXXX did not own any XXXX accounts but only a BofA and XXXX XXXX acounts. He also called BofA directly on my behalf, suggesting that BofA can check through his BofA account to see if the money was received. BofA customer service promised him to look into this matter which never resolved. He also contacted BofA for this problem more than once. Frustrated, I wrote BofA a letter to their dispute department. Sadly, BofA never responded to my concern.
Product: Checking or savings account

My husband and I have had an account since the early XXXX with Bank of America. I check my account with Bank of America daily to make sure purchases and payments were handled correctly. I tried to sign into my account on Tuesday night, XX/XX/2024. It had a message on it that I could not access the account and to call XXXX XXXX XXXX. I attempted to call it that night but the department was closed. I called on Wednesday, XX/XX/XXXX and spoke to XXXX ( female ) why I couldn't access my account She said they had frozen the account because of " possible fraud activity. '' We went through the transactions and I verified all of them as valid. She then said that " you order frequently and people your age are often the victims of fraud. '' I am XXXX XXXX XXXX and keep a close eye on my account because I know that fraud does occur. I had already verified the transactions as being valid so I don't know what she was referring to. She then told me I had to go to a branch that had an open lobby and show two pieces of identification to take the freeze off. The only branches in XXXX only have ATM access and no open lobby. Upon looking further, the only open lobbies are in XXXX, WA which is XXXX miles away or in XXXX, XXXX, which is at least the same distance away. It is unreasonable to expect a client to have to drive that far to simply present two forms of identification. I then informed her that I would be closing my account. She offered to transfer me to a department to do that. I told her I was much too angry at that point and I would call back.The customer service department can not unfreeze the account but can close the account. I immediately went to a XXXX XXXX XXXX and opened an account while only presenting one piece of identification. I believe this is blatant age discrimination against senior citizens, and considering anyone over a certain age to be senile and irrational. 
Of interest, Bank of America did not contact me to let me know what was happening. I had to contact them. This could have had devastating effects if I didn't keep a close eye on it, because of my bill pay set up. It could have caused nonpayment of bills which would affect our credit rating. I believe this could fall under the classification of fraud in and of itself. As of right now, the account is still frozen until I travel hundreds of miles to present two forms of identification to prove who I am.
Product: Credit reporting

XXXX is reporting to the credit bureaus a debt in which I do n't own. I have no idea where it came from the debt is simply not XXXX
Product: Debt collection

Called and emailed resurgent ( LVNV Funding LLC ) have submitted a prior complaint with CFPB ) they will not validate debt. Ive given this debt collector a fair opportunity to provide what I requested and they have failed. Id like to have debt removed from my credit report asap! Id also like an investigation open as this company is not following fair consumer credit reporting guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute back in XX/XX/XXXX with transunion, regarding an incorrect dismissal date of my bankruptcy XX/XX/XXXX. I have already sent the agency my discharge documents from the court of XX/XX/XXXX. The inaccurate that is only reporting on my transunion and no other credit agency. At this time based on this incorrect reporting I am unable to qualify for a home loan. My family and I need to find a place to live as we are relocating in XXXX. Transunion is not working with me to remove the dismissal date of XX/XX/XXXX and replace with my discharge date of XX/XX/XXXX. I have called several times and at this point Im getting nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I first sent a letter regarding inaccurate and unknown things on my credit report, and on XX/XX/XXXX I sent a follow-up letter regarding the same inaccurate reports, to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, and seeing as how it has been over 60 days they should be removed. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to formally address serious inaccuracies on my credit report. There are several accounts listed that I have never opened or authorized, and these accounts should not appear on my report. This is not only unjust but also deeply concerning, as I have never engaged in any actions that would warrant such listings.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I WOULD LIKE TO INQUIRE ON A MAJOR ISSUE I AM CURRENT EXPERIENCING AT THE MOMENT WITH TRYING TO RECTIFY INACCURATE, INCOMPLETE AND DEROGATORY INFORMATION REGARDING CERTAIN NEGATIVE ITEMS ( ACCOUNTS ), STILL REPORTING ON MY CREDIT REPORT. I HAVE BEEN ATTEMPTING TO CORRECT THE IMPERFECTIONS ON MY CREDIT REPORT MORE OR LESS AROUND XXXX OF 2019. NEITHER OF THE THREE CREDIT BUREAUS HAVE PERFORMED A FULLY ANALYZED INVESTIGATION, ALL OF THE COLLECTION ACCOUNTS ON MY CREDIT REPORT DO NOT PERTAIN TO ME AND I AM NOT LIABLE FOR ANY DEBT WHAT SO EVER. PLEASE HELP MY INVESTIGATE THE REASON WHY THE NEGATIVE HISTORY IS STILL REFLECTING. XXXX XXXX WAS NEVER REMOVED OFF OF NEITHER CREDIT BUREAUS, WHEN I STRICTLY ADVISED THEM THAT I AM NOT LIABLE FOR ANY DEBT WITH THEM, THE NEGATIVE HISTORY IS COMPLETELY INACCURATE. XXXX XXXX IS ANOTHER ACCOUNT THAT I AM NOT AWARE OF EITHER. PLEASE ASSIST ME WITH THIS MATTER, I'D GREATLY APPRECIATE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

After experiencing identity theft, I contacted, Equifax via certified Mail, and identified fraudulent addresses, fraudulent employers, and fraudulent accounts that were not initiated by me. The only accurate address is XXXX XXXX XXXX XXXX XXXX  XXXX. I requested all other inaccurate addresses be deleted, however they still remain. The only correct phone number is XXXX. I requested all fraudulent phone numbers to be removed ; however, they all remain. I requested all employers be deleted, as they are inaccurate and yet they still remain. The following fraudulent accounts still remain : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX. There is also a fraudulent late payment on XXXX mortgage, when this account was never late. I sent the identity theft report and other proof showing this information/these accounts are fraudulent and a result of identity theft, Equifax has still refused to remove this information from my consumer report. I do not understand why this fraudulent information is still on my consumer report, especially as my information was included in equifaxs data breech and have not been verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to follow up my Previous complaints regarding the fraudulent information on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting that the Credit Bureaus remove the items in which I believe resulted due to Identity Theft. The items I am disputing do not relate to any transaction that I have done or authorized and I never received any benefits from the theft of my identity. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as items resulting from the identity theft and was listed on an ID THEFT REPORT. I am submitting this complaint to request that the Credit Bureaus verify the accuracy if the following accounts and remove these items if unable to verify. By the provisions of the FCRA section 605b, I am urging the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX Balance : {$4500.00} DP OF EDUC XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

I have a 30 year fixed rate mortgage. I decided to get ahead and start a biweekly payment schedule to make an extra principle only payment annually. According to Wells Fargo 's website : " ... When you split your payments like this, you're making the equivalent of 1 extra monthly payment ... This extra payment is applied directly to your principle balance. '' I started biweekly payments on XX/XX/XXXX and it is now XX/XX/XXXX. Only 1/2 of a monthly payment was applied to principle only on XX/XX/XXXX. There was not another principle only transaction during this period of over 1 year ( 35 1/2 payments ). I any given 12 months only 12 payment are due, or 24 1/2 payments. I made 26 half payments, which is 1 full payment over what I owed. A full principle only payment should have been applied at some point during that year of 26 payments. I am at 35 half payments with only 1/2 payment being applied directly to principle. I contacted Wells Fargo and they responded saying their actions are correct even though it conflicts with information on their website. They said 3 payments have to be made within one month in order to apply a payment to principle only. I don't feel like this practice is fair because on XX/XX/XXXX there was a payment made that could have been applied to principle only and the payments made on XX/XX/XXXX and XX/XX/XXXX would have satisfied the XX/XX/XXXX balance due within the grace period. This arbitrary rule of 3 payments within one month caused me to pay more interest in XXXX than I did in XXXX, which, should be impossible considering I have a fixed rate loan and have never missed a payment.
Product: Credit reporting or other personal consumer reports

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my TransUnion credit report by XXXX. Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at [ Your Contact Information ] to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX 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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX