23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax, XXXX  & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is XXXX/XXXX  which is basically the same as XXXX because XXXX stands for XXXX XXXX XXXX  and with the same account number XXXX is reporting negative under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX from Bilateral Credit Corp , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX, cell phone ( XXXX ) XXXX is harassing my friends/family and relaying to them detailed information regarding a false debt collection.
Product: Debt collection

This is in reference to XXXX. You state you closed the file as you have already responded. I don't have a copy of that and not sure what it stated, however, nothing must have been done since it is still on my credit report. I don't understand how some who steals your personal information opens checking accounts, credit cards, cell phone accounts, electric accounts, rental agreements and many more is able to just skate free while I pay for his wrong doing. I have filed a police report and they have sent the file to the Proscuting Attorney and a warrant has been issued for his arrest. I have submitted the police report and the FTC form to show as best I can that this account does not belong to me yet you have done nothing. You have ask for no proof that I didnt live at the address or anything else. You have just taken the word of the collection agency. I have spoken with them and they don't have anything with my signature or anything else to proof the account belongs to me. They just assume that since they were told it is a valid account that it is. So that means that you assume that it is a valid account. I thought this company was to help us that are in need. NOT to support the business that has wrong doing in mind.
Product: Debt collection

I took out a credit card from XXXX XXXX back in XX/XX/XXXX in the amount of XXXX dollars. I filed a chapter XXXX back in XX/XX/XXXX, and the credit card amount was part of the chapter XXXX, it was discharged. 

The collection agencies which held the debt refuse to close the account. I filed disputes with the credit reporting agencies, it seems as if the credit collections are playing games also with them. The credit collections that I called today XX/XX/XXXX made me go in circle between XXXX XXXX XXXX and the Bureaus. I called these numbers : XXXX and XXXX, I was only getting back to where I started from to no avail..
Product: Credit reporting, credit repair services, or other personal consumer reports

Growing up in the lower class my family had no understanding of credit. Therefore, they were not able to teach me. It wasn't until a few days ago that I learned about credit and how to read my credit report. While reviewing my credit report, there were fraudulent items and collections on my report causing me to have a poor score and affecting my life negatively. I'm currently not able to get apartments/ houses, funding, and even job opportunities & I Do Not understand how my personal information was illegally used by a stranger and would like immediate help removing these items. I have XXXX fraud apartments on my report. ( XXXX XXXX  ) Acct # XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Acct # XXXX ( XXXX XXXX ) Acct # XXXX I have XXXX Fraud Phone/ Mobile System on my report. ( XXXX XXXX XXXX ) Acct # XXXX ( XXXX  ) Acct # XXXX I have XXXX Inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these do NOT belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax reporting inquires that are not mine wont send me credit report to see whats on there cra violation
Product: Mortgage

We went through a loan modification starting with XXXX  XXXX XXXX in XXXX and during that time our loan was transferred to Selene Finance as a servicer. We continued the modification with Selene and it seemed to be completed in XXXX. Below is a list of the events that we know occurred with our loan in chronological order : -The XX/XX/XXXX Mod has an Eff Date of XX/XX/XXXX, while the XX/XX/XXXX Mod has an Eff Date of XX/XX/XXXX this seems strange ; -Each one of the modifications references a HUD Supplemental loan, but only the XX/XX/XXXX one was done ; -The Modifications seem to indicate a balloon payment due on the HUD Supplemental loan , but without the Note, I have no idea what the terms of that loan are and/or whether there is some mechanism for satisfaction other than making the balloon payment ; -We originally borrowed {$230000.00} in XXXX, and now you ostensibly owe around XXXX what kind of relief is this? 
-There needs to be some accounting somewhere as to how Selene Finance and HUD calculated the arrearages and/or the loan amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/17 a dispute was filed to Trans Union and XXXX  for a federal tax lien in the amount of {$11000.00}
Product: Credit reporting or other personal consumer reports

XXXX reaching out to address several concerns regarding my experience with the credit bureau. These issues include incorrect account listings, numerous unauthorized inquiries, inaccuracies in credit reporting, inconsistent billing details, and accounts that do not belong to me.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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 XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have several accounts on my credit report showing closed/ charged off still owing a balance deliquent etc.and I have tried to resolve these accounts several times but got no response and nothing is being done as a matter of fact there is a whole lot wrong with my credit report that is preventing me from getting anything, all three credit bueaus are not reporting the same things i have unknown unauthorized hard inquiries on my account they are reporting late payments on my account accounts that should have been off are still on showing a balance due i have sent validation letters letter form the clerk regarding my bankruptcy everything nothing is being done. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Product: Debt or credit management

To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit report maintained by Experian. Despite my previous attempts to resolve this matter, your failure to properly investigate and address these inaccuracies demonstrates a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

The following items on my report are inaccurate ] These accounts are either factually incorrect, incomplete, or unverifiable as required by law. Under Section 611 ( a ) of the FCRA, you are obligated to conduct a reasonable and thorough investigation into these disputes. 

It is particularly troubling that Experian is currently under scrutiny by the Consumer Financial Protection Bureau ( CFPB ) for failing to conduct proper investigations into consumer disputes. This systemic noncompliance underscores my concerns about the integrity of your investigative processes and makes your prompt and thorough action in this case even more critical. 

I demand that you take the following actions within the 30-day timeframe required by law : 1. Provide me with documentation proving the accuracy and validity of the disputed accounts.

2. Supply a detailed summary of your investigation.

3. Correct or delete any information that can not be verified as accurate. 

I have attached relevant documentation to support my claims, including [ list enclosed documents, such as copies of your credit report, prior correspondence, or account statements ]. 

Please be advised that failure to comply with these requirements will leave me with no choice but to escalate this matter further, including filing additional complaints with the CFPB and seeking legal remedies. 

I expect a written response to this dispute within the statutory 30-day periods
Product: Mortgage

First Bank Fl, keeps sending me notices that indicate that there is a problem with my condo insurance policy. XXXX XXXX  sent a letter on XX/XX/2021 stating that " The policy submitted did not show the loss payee as XXXX XXXX XXXX '' My Insurance is paid via escrow and the policy on the condo has never changed in XXXX years. I would like to know why they are contacting me and not handling any issues that they have directly with the XXXX company. 

Loan XXXX
Product: Checking or savings account

Last week I went to Costco and when I was going to pay with my debit card, I couldn't do it because my card was blocked, I called to my bank and they told me that they are going to send me a new debit card because my account was working very good. On XX/XX/XXXX my partner who shares the account with me told me that she received a letter saying that the account is going to be closed, so we called the bank and they told us to go there and speak to a representative, but yesterday XX/XX/XXXX we went and when we arrived they told us that the accounts were canceled and that a note appeared in our account that said : do not open a new account, because the bank does not want a relationship with us, we were shocked, because we are very good customers, so they returned us our money in checks, we feel super discriminated, because I am XXXX, we are both two XXXX women, we have our jobs, we have bought houses because we are good clients of this bank and we did not expect that treatment from Citi Bank in these such difficult times of the coronavirus.
Product: Credit card

I applied for a credit card with capital one, application # XXXX. I received an email notification that my application was declined. I never received a letter notifying the reason for decline in mail. I received links in email to login and retrieve the adverse action notice. However, the link would not let me login and returns message that I should wait to see the letter in mail. I asked capital one two times to mail the letter to me. Each time I got in the mail was a letter asking for additional documents which I already provided that capital one acknowledged receipt of and based their decision on.
Product: Checking or savings account

I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding a series of troubling incidents related to my account, in which the institution held funds for extended periods despite evidence of cleared deposits, resulting in unwarranted fees and returned checks. As a long-term customer with nearly a decade of loyalty to NFCU, I am extremely disheartened by these practices, which I believe violate both consumer rights and the fair banking practices expected of credit unions. 

In recent transactions, including two XXXX deposits and one pending direct deposit, Navy Federal unreasonably delayed the availability of these funds, even though they were cleared by the senders banks. My latest deposit, a XXXX transfer from my mother, was held for an extended period. Despite being under Navy Federals control, the funds were not made available to me in a timely manner. Navy Federal provided me with three different fund availability dates before I could access the funds. As a result, two critical transactions were returned unpaid, and I was charged two {$29.00} return check fees.

Furthermore, Navy Federal failed to make these funds available in time to cover my car insurance payment, even though the deposit was made three days prior. This failure to promptly release my funds appears to contravene Regulation CC ( Availability of Funds and Collection of Checks ), which mandates that financial institutions provide clear and consistent funds availability timelines. Additionally, by bouncing important bills when funds were in its possession, Navy Federal may be violating principles of the Fair Credit Reporting Act ( FCRA ), as these unnecessary fees and return payments could negatively impact my credit record.

I am particularly concerned about Navy Federals inconsistent funds management, which includes unlocking my account and transferring funds from various sub-accounts without my authorization to cover transactions it deems recurring. In contrast, when actual recurring bills such as my insurance payment are due, Navy Federal has returned them unpaid without a valid reason. This treatment feels punitive and unreasonably restrictive, especially given my history of responsible account management with very few return check fees prior to these incidents.

I respectfully request an investigation into Navy Federal Credit Unions practices concerning funds availability and the assessment of return check fees. This inconsistency, along with a lack of transparency and adherence to regulated funds availability standards, has led to financial harm and significant stress. I am including evidence, including screenshots and transaction records, that document these delays and fee assessments. 

Thank you for your attention to this matter. I look forward to a prompt resolution that ensures fair treatment for credit union customers like myself. If you need any additional information or documentation, please feel free to contact me directly.
Product: Vehicle loan or lease

Per 15 USC 1635, I have the right to rescind any and all loans should I see fit ; however, this was not disclosed to me. I was not given the transparency regarding the process of the consumer credit application being the financial asset. I have reason to believe that me and my consumer credit were taken advantage of by capital one. I was also given false and deception information ( violation of 1692e ) as I was told that a down payment of {$3600.00} was required to drive off the lot. Pursuant to 15 usc 1605a - a finance charge is a sum of all charges.
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized inquiries from XXXX XXXX XXXX XXXX as well as XXXX XXXX. I didnt give written consent for my information to be furnished to the credit agencies. I need these inquiries removed immediately from all three major credit agencies XXXX, Transunion, and XXXX.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Company Penn Credit Corporation calling repeatedly in attempt to collect from a deceased relative that NEVER lived at this address or phone number. Refuses to explain how they got this phone number and refuses to stop calling, asks for the phone number dialed, even though they dialed the number. Employees are rude and obnoxious in behavior and calls are originally Robo calls followed by a live person. I have told them repeatedly that this person is deceased for approx. 10 years but they refuse to take action to cease and desist. This is obviously a scam.
Product: Debt collection

On XX/XX/XXXX Asset Recovery called my work phone about collection. When I explained that it was my work number and that personal phone calls will get me fired he kept trying to continue the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom this may concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided all XXXX bureaus ( XXXX, Equifax, and XXXX ) with my current and most up to date information, I even provided proof of identification ensuring that it is I requesting this incorrect information to be removed immediately from their reports. 

In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them XXXX  days to do so and by law since they have not been in contacted with me within those 30 days they are entitled to remove all incorrect information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A line of credit or credit card was opened in my name on XX/XX/22 at XXXX XXXX XXXX for {$10000.00}. My credit report shows a balance due and that payments were late. I DID NOT request, receive, or use this line of credit. This is fraud and done by someone I don't know. It has negatively impacted my credit and put me in debt for an amount I DID NOT request, receive, or use. I reported this to XXXX and Equifax on XX/XX/22 and called and emailed the XXXX XXXX XXXX XXXXhe same day. I haven't gotten any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

We requested late payments be removed during XXXX time period since we should have been protected by the CARES ACT. The mortgage company/bank did send a letter on XX/XX/XXXXXXXX XXXX XXXX XXXX to all 3 credit bureaus requesting that the late payments be removed for 2 mortgage loans ( second one was ARM/balloon ). The main mortgage loan lateshave been removed, however the second loan account lates have not been removed yet. It has been 45 days since the request to remove, and needs to be updated immediately as we are trying to purchase another home and this is keeping us from doing so. I am attaching the letters from the bank/mortgage institution for proof.
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 transaction.
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and I noticed some inaccuracies. I sent a letter to XXXX also Transunion asking them to investigate these accounts. I sent it mail- And according to 15 USC 1681 ( 5 ) | see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated I do not have a contract with XXXXXXXX XXXX. I have not authorized my signature and asked for validation of these accounts Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXXhree credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Method of Veriication letter to Experian on two seperate occaisions XX/XX/2021 and also XX/XX/2021 both came back stating " the company that reported the information certified to them the information was accurate ''. No more explanation no names addresses or phone numbers of who their furnisher is so I have no means of believing they investigated nor contacted anybody or industry to assure that the information was given to them by the actual division I am sending all correspondence with this and would like you to see if you can get what I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out multiple dispute letters and have not heard from credit bureaus