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

Account name : XXXX XXXX XXXX I am writing to formally dispute the charge off listed on my credit report for the above-mentioned account. I believe that this charge off is inaccurate and violates the provisions set forth by the Fair Credit Reporting Act ( FCRA ) and other applicable credit laws. 

I have reviewed my credit report, obtained from your bureau on [ XX/XX/2023 ], and noticed that the charge off is negatively impacting my creditworthiness. As a responsible consumer, I am committed to maintaining a positive credit history, and I believe it is crucial to address any inaccuracies promptly. 

I would like to bring to your attention the following points regarding the disputed charge off XXXX XXXX XXXX XXXX XXXX. Incomplete or Inaccurate Reporting : The information provided in the credit report is incomplete and fails to accurately reflect the details of the account. I request that you investigate and provide a comprehensive and accurate account history, including the original creditor, account balance, and payment history. 

2. Verification of Debt : Pursuant to the FCRA, I request that you provide me with the necessary documentation to verify the validity of the debt. This includes a complete account statement, copies of any contracts or agreements, and proof of ownership of the debt. 

3. Timely Reporting : I believe that the charge off was reported to the credit bureaus in violation of the FCRA 's guidelines. The reporting of this charge off was not done within the required timeframe, and I request that you correct this error immediately. 

4. Statute of Limitations : I am aware that there is a statute of limitations for reporting negative information on my credit report. If the charge off is beyond the permissible reporting period, I request that you remove it from my credit report accordingly. 

I kindly request that you conduct a thorough investigation into this matter and provide me with a written response within 30 days, as mandated by the FCRA. Please ensure that any corrections or updates made to my credit report are promptly reflected across all three major credit bureaus. 

Additionally, I would appreciate your assistance in notifying the original creditor of this dispute and requesting that they cease any collection activities until this matter is resolved. 

Please find enclosed copies of relevant documents supporting my dispute, including my credit report highlighting the disputed charge off. I trust that you will handle this matter with the utmost professionalism and in accordance with the credit laws. 

Thank you for your attention to this matter. I look forward to receiving your prompt response and a resolution to this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
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 remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am having multiple issues with Navient. To include harassment, falsely reporting to credit bureaus, not offering any payment plans, and unwilling to work with me. I have attached documentation further detailing this matter. It has been going on for over two years now.
Product: Credit reporting or other personal consumer reports

File dispute back in XX/XX/2023 requesting for the following accounts to be removed : XXXX XXXX {$880.00} out of {$700.00} 127 % XXXX XXXXXXXX {$1100.00} out of {$950.00} 123 % XXXX XXXXXXXX {$3500.00} out of {$3000.00} 118 % XXXX  XXXX {$1200.00} out of {$1100.00} 116 % XXXX XXXX XXXX {$5400.00} out of {$5000.00} 110 % These accounts are in direct violation of Federal law ( 15 USC 1681a rules of Construction ) ( 2 ) ExcLusIons. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX card doesnt report that is has been paid but it also doesnt report that it has been sold to a collection agency please verify this information and delete all inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is m y 2nd complaint about this and nothing was done the 1st  time. I am including the copies of my letters as well as the proof from my credit report. This complaint is against all  XXXX  bureaus for different reasons, which are listed below. My identification is attached as well.      Secti  on ( 609 ) Rules of Reporting : Section ( 609 ) of the FCRA is a Consumers Disclosure section which is to provide for the prot ection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to prove an account is mine. To positively prove an account is mine, the creditor must provide the credit bureau a copy of the original creditors documentation ( whatever I filled out and signed upon opening the account with the reporting creditor ).     The FCRA was enacte d by Congress to pr otect consumers from unverifiable accounts and information from being reported on my credit report. Without documentation, the credit bureaus have NO right to list my personal financial information on my credit report. The credit bureaus are required by law to verify and validate every single account on my report.     Experian : they are reporting the wrong filing date - this was not filed on the  XXXX  of the month. They are also not reporting the accurate name of the court.       XXXX   : They are reporting a filing date that does n't belong to this CENTURY! See my credit report attached. The docket # is incomplete. The court name is inaccurate, incomplete as well as does not include the city or state. They  have " A '' for t he liability amount.       XXXX   : Wrong date filed. Was NOT the  XXXX . Incomplete docket #. Not reporting city and state for the court. No liability listed.     I 've already gotten my attorney involved and have made complaints individually against the bureaus with the attorney general for this matter. They are required to go beyond the original source of info to make sure that what they 're reporting is accurate. They have n't done that. They 're required to physically possess the documentation to verify their reporting is correct and sectio n 609 pro tects me against this reporting.     See proof attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well established how opprobriously malignant and MIS-MANAGED these clumsy credit bureaus really are. I went round and round with these derelicts for years and reported this already to you people [ c ] ountless times!!!! I just got a fraud alert from XXXX that is the free OPM credit monitoring for OPM 's sloppy breach 2 years ago. Anyways inept clowns at XXXX  has allowed some malignant collection agency to duplicate the same negative garbage that is ALREADY being reported for the last 2-3 years now?! # Some putrid agency calling themselves second round from XXXX texas self-created a new FRAUDULENT account in my name so it appears as new. THIS is NOT a new account and obviously illegal and punitive. This {$5500.00} is already reporting and now charged off!!! These XXXX think they can be cryptic and blundering probably because they paid inept XXXX a fee to scam harass and deceive my actual credit report. I told all creditors 3 years ago I was cheated and retaliated against at my last XXXX job for confronting worthless derelicts, fraud waste abuse still rampant. I did NOT magically ignore my bills. Obviously ran out of money and now live in poverty! I don't care how many conniving collection agencies they send, obviously illegal to self-create a new fraudulent account using a different name using the SAME debt amount?! #
Product: Mortgage

Our mortgage servicer has failed to pay summer property taxes owed on our home. The house straddles XXXX jurisdictions, XXXX XXXX, XXXX County, Michigan and XXXX XXXX, XXXX County, Michigan. Summer taxes became due to both Townships on XX/XX/XXXX They were payable without interest or penalty through XX/XX/XXXX. The present amount owed to XXXX XXXX is {$1700.00}. The present amount owed to XXXX XXXX is {$390.00}. Our mortgage payments are and have been current As of XX/XX/XXXX, the balance in our escrow account was {$6400.00}. As of XX/XX/XXXX, the escrow account contained {$7200.00}. 
On XX/XX/XXXX, I contacted the servicer by phone to inform them that the summer taxes were unpaid and was assured that although the taxes had not been paid, the matter would be addressed and the taxes paid within 21 days. I asked for written confirmation, but was told that none would be provided. The taxes remain unpaid, creating the false impression on our credit record that we are delinquent in paying these taxes.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX : {$30000.00} - XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to my XXXX credit report app and notice incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 TD Bank XXXX reported hard inquiries to my credit report. I have never applied for credit at TD Bank. I have contacted the creditor and have had no success on removing inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days I haven't received any investigation results, I was victim of identity theft and I filed a compliant with the FTC File # XXXX, I did not give authorization to following companies to review my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The above inquiries are unauthorized by me and are inaccurate.
Product: Checking or savings account

I have PNC and I have been trying to connect my debit card and checking account with XXXX XXXX. According to XXXX   PNc has a security system that is new that prevents PNC users from connecting their debit card up to XXXX. I contacted PNC and they confirmed this is an issue they dont have a fix for. I have rights to use my account for however I deem necessary and XXXX is a trusted company. I need PNC to deliver what they promised which is a better financial future in which I could have with XXXX but they are preventing me from doing so. Also I would like to note that with this new security measure in place I just got an email yesterday XX/XX/XXXX from PNC of a security breach they had to their systems. So if they are sacrificing my ability to better my finances with XXXX  due to beefed up security then why is that the first security issue I have ever had with them. I would like to see this issue resolved and have my account back in my hands not theirs. I tried to connect the account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX and PNCs response was at first were working on getting you connected, to it may take a few weeks, to our security does not allow connection to XXXX. Why does XXXX have over 300 banks on their list of accepted providers that can connect their accounts and yet PNC says it is not possible. These banks include XXXX, XXXX XXXX, and XXXX all major banks in line with PNCs size so that should not be the issue. It is not like Im trying to connect my account to a pyramid scheme or sending money to a XXXX Prince I am connecting to a legit financial growth and investment company. Below you will see the message I get in XXXX after accessing PNC through the XXXX app and connecting via texted access code. XXXX customer service also advises me on XX/XX/XXXX they can not open the access as the access is automatically granted on their end with bank verification. The second picture is an email I receive from PNC directly after stating my account has been linked to XXXX. But after about a minute it cancels the connection and makes you call PNC customer service who state they are unable to help
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding the ongoing inaccurate reporting of an account that has been charged off and is being improperly reported on my credit report. This charge-off is being reported as a new charge-off each month, the continued reporting of this balance is inaccurate, and the account is showing a balance of {$440.00}. As a charge-off account, this balance should not be reported in this manner. This charged-off account is in clear violation of the Fair Credit Reporting Act ( FCRA.

According to the Fair Credit Reporting Act ( FCRA ), section 623 ( a ) ( 5 ), information furnished to the credit reporting agencies must be accurate and not misleading. A charge-off should be reported as a single event on the date it was first charge-off and not as if it were a new event each month. This is inaccurate and has caused significant and ongoing damage to my credit report.

I have already disputed this issue more than once with the credit bureaus, but the inaccurate reporting persists. Therefore, I am requesting the CFPB to intervene and compel XXXX XXXX to remove this inaccurate charge-off account from my credit report entirely. The continued reporting of this account in its current state violates the FCRA and is causing ongoing harm to my financial reputation. 

Thank you kindly.
Product: Credit card

XXXX XXXX XXXX responded on XX/XX/2024 a balance of XXXX is incorrect. 
XXXX XXXX needs to update there records. 
Attached is a current statement from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This just proves that 3 Credit Bureaus are lack of proper record keeping. Now, these accounts are reporting to be late, yet it is closed. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that these accounts were paid, closed, and no longer active and should have reflected the status of paid as agreed. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Product: Student loan

A rep from Navient called me to discuss a loan that I had with XXXX XXXX in 2007. I asked the rep could she supply me with additional information, because all of my student loans should be consolidated. She proceeds to tell me that my mom has the information and if I wanted it ask her. I told the rep my mom is not sure of what she is talking about either. Then she gets defensive and starts talking over, repeatedly asking if I 'm going to pay my debt. Then she tells me I 'm unprofessional because I want information on a loan that I suppose have through them. I told the rep this loan is over 10 years old and I need more information so I could better understand the situation and work toward a resolution. I also asked when was the first payment made on the loan and how is just now coming to my attention. The rep would not answer any of my question she started yelling at me telling, I know what the loan is and I better pay it. After her yelling she then ends the call, while I 'm asking to speak with her supervisor. I called back several times on have her hang up on me multiple time and threaten me with harassment because I was calling her wanting information on a loan. The rep was very unprofessional, she was also loud and disrespectful. I still have no answer about the loan in question.
Product: Mortgage

This complaint is for Roundpoint Mortgage our current Mortgage provider. This provider was not one that we choice as a company, they purchased our loan from in XXXX from XXXX who purchased from XXXX XXXX XXXX. All in all it has been a nightmare from day 1. In XXXX of XXXX I received a statement that my mortgage insurance was going up by 40 % and was given a recommendation by Roundpoint Mortgage to reevaluate my options for Mortgage insurance. In XXXX of XXXX we found a new provider that was going to be approximately the same price as our current provider. We made the switch to the new Mortgage insurance company ( XXXX  ) in XXXX of XXXX and made sure we communicated all transitions with Roundpoint Mortgage. At that time of communication to Roundpoint we asked for a new analysis to be done so we knew what our new Mortgage payment would be with an updated Insurance and taxes. When the analysis came back to us and the new payment was sent to us we started payment immediately on what the statement asked us to pay. In XXXX of XXXX I received our tax bill and checked my escrow account/ amount to find that there was a significant difference in what was due and we had in our account. I followed up with the bank on XX/XX/XXXX to ask what happened and how this happened. I was informed on XX/XX/XXXX that this would be escalated and tuned over to management where they would follow up with me immediately via phone and email at my request. I never heard from anyone. I called today for follow up where I was told that no such request was made. I had to go through the process and problem with 2 individuals where I was told on the phone today ( XX/XX/XXXX ) by a supervisor by the name of XXXX that I should have the understanding that I was " saving '' close to XXXX dollars for 9 months on my payment and that I owed the escrow account {$3200.00} now. I then stated That every month I had been paying the monthly amount on the statement how would I have known that the account was shorted by the {$3200.00} dollars. How was this my fault and that Roundpoint was the one who sent me the statement with my payment based on their own analysis. I am completely confused how this is my responsibility as I have been paying every payment that was assessed and reviewed by Roundpoint mortgage. where I am now being asked to either pay the difference now or it will impact my monthly payment moving forward. I feel like I did nothing wrong and have been making my payments as requested by Roundpoint and they as an organization made the mistake. I am not sure what to do.
Product: Checking or savings account

I am writing to file a complaint again 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 credit. this issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds.
Product: Credit reporting or other personal consumer reports

My information was involved in the XXXX Data breach and also the XXXXXXXX XXXX XXXX XXXX Data Breach and i do not Recognize a lot of the information and inquiries on my credit report Listed Below. According to 15 USC 1681 which governs access to consumer credit report records and promotes accuracy, fairness and privacy of personal information assembled by CRA. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is Information on my consumer report that is a result of identity theft. I did not agree for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNTS : XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXXXXXX, XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX, 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I keep regular contact with my student loan debtors and they have all my updated contact information however, of late I've had severe financial duress and was XXXX for a whole month with the recent XXXX going around, so I had to put them on hold. I've since sent them the required documentation for IBP. 
In the mean time, on XX/XX/2018, at XXXX in the morning, Nelnet called my elderly father who is XXXX, XXXX, XXXX, and very XXXX XXXX XXXX. That phone call almost sent him to the emergency room. Nelnet called him to get my updated contact information, which they already had, and he thought there was some emergency. He though I was in some hospital XXXX. No one calls anyone at XXXX unless it is an emergency! He doesn't give out anyone 's personal information over the phone, so they called him in vain. They did cause him a great deal of distress. After that call he immediately called me to see if I was okay. 
( NelneXXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, Fax : XXXX ) Thank you, XXXX XXXX
Product: Checking or savings account

I had a check XXXX XXXX issued from the response in relation to my original complaint on XX/XX/year> I was told to give it XXXX business days but i still have not received, I contacted the XXXX contact number listed in the response which representatives had trouble locating this check because of my profile no longer being active because of the closed account. This has already been a long stressful process. I am seeing if there is someway this payment can be released via branch manager at my nearest location like the other portion of the funds or if the shipping can be expedited