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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX - XXXX, XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and it is showing i have also used the name XXXX XXXX XXXX. I have never used that name XXXX is my sister please remove that name
Product: Student loan

On XX/XX/XXXX I processed a payment for {$1400.00} to finish paying off my student loans. Then I checked because money had not come out on the XXXX. The payment did not reflect in their system so. I scheduled it again. Then both amounts came out the next day. I spoke to them on XX/XX/XXXX and was told it would be processed in 3-5 business days but that never happened. I called on XX/XX/XXXX and spoke to XXXX ( no id given ) and then her supervisor XXXX ( ID  XXXX ). XXXX  first told me it would be in my account today but that seemed odd so I asked for a supervisor and XXXX informed me that the refund was never processed at all- directly opposed to what I was told on XX/XX/XXXX and by XXXX on the same day. XXXX would not give me XXXXXXXX XXXX id number for my records. I gave XXXX my account and routing number for a second time ( first time was on XX/XX/XXXX. I was told it cold take 7-14 business days. I then was processed to another, allegedly higher up supervisor. I was told all staff are " offshore '' and can not expedite the reimbursement of my refund for the money that was not scheduled in their system to be taken in the first place.
Product: Debt collection

Caci debt collector from XXXX XXXX sent me a letter out if thr blue threatening to sue me for medical bills from XXXX of XXXX. I am already paying on a hospital bill and am un aware of this debt. I am also under the impression they can not threaten or harass by suing.
Product: Student loan

After graduating from XXXX in 2013, I refinanced my loan with Nelnet. In XXXX of 2013, I called Nelnet and they gave me an incorrect payoff amount for one of my loans. I subsequently payed off the loans on XX/XX/2013. 5 years later, i discovered that I had a {$110.00} balance on my loan ( ~ {$50.00} of principal and the remainder interest that accumulated over he 5 years ), which Nelnet said was 180 days past due. I only discovered this balance when I found it on my credit report.

When I called to resolve, they said that paying off the loan deferred the payment for 5 years, and that they attempted to contact me about it even though they had the incorrect email address on file.

I have paid off the loan in full now, but I want the late payment taken off my credit report since they gave me the incorrect payoff amount on the loan and subsequent emails said my payment was {$0.00} for 5 years. Could you please help me to resolve?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any XXXX consent to open. Please delete these items from my accounts as soon as possible. DTEDXXXX XXXX {$3500.00} DTEDXXXX XXXX {$5900.00} DTEDXXXX XXXX {$4500.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$650.00} XXXX XXXX {$17000.00} XXXX XXXX {$17000.00} XXXX {$8400.00} DEPT ED XXXX XXXX {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, and # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been problematic getting this resolved. I have no point of contact by email, chat or written communications digitally. I am also not able to connect with XXXX XXXX This account does not exist. It is the result of someone using my identity and past address, over 2 years after the last time I was there, and every creditor and provider was aware of where I was. XXXX Fraud can not find the account, presently, closed, or in archive. There is no record of this account that XXXX XXXX is describing in writing, nor does the information match the " database update '' account number they provided. 

My phone number was also different. 

Birthday is fraudulent, my birth date is XX/XX/XXXX. 

I was out of this address by XXXX, I was not using this card during the dates listed that I can find history of. The account information provided to me is fraudulent. 

According to XXXX Fraud Department, there is no account open or closed in my name being reported to the Credit Bureau. 

I also recorded the call at XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
https : XXXXXXXX XXXX  This is Bank Reporting Fraud, Banking Fraud , Credit Reporting Fraud, and Credit Card Fraud. 

It is shadow identity fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : MIDWEST RECOVERY SYSTEMS LLC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolid
ate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College vXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ),  you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX University that gave you the right to collect this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to my privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have been trying to get the fraudulent information removed from my credit report. I sent Equifax and the companies listed by certified mail to provide proof by requesting legal documentation signed.
Product: Checking or savings account

Some time ago I overdrafted my account because of a check that posted that I 'd forgotten about. I learned in that call to TCF Bank that physical checks will not show pending. They simply post to the account once they are processed. 

I overdrafted my account another time and in my call to TCF Bank I learned that they post physical checks between 10pm and Midnight. 10pm is the cutoff for deposits and transfers, even internal bank transfers, so if you do n't have enough money in your account to cover checks posting after 10pm, you can expect an overdraft fee. Not an ideal policy in my mind, but I have a choice to bank or not to bank with TCF. Keep in mind however, not everyone has this choice. TCF Bank is one of a few banks that does not reference ChexSystems. ( More than 80 % of banks and credit unions use consumer reports from ChexSystems and other agencies to help them decide about bank account applicants. Banks and credit unions share information about these individuals and whether the institution closed their accounts. ) The reason I am writing this complaint is because of my most recent overdraft. I have been working to complete the trust accounting to solidify the balance of a transfer from XXXX to XXXX, and as of XXXX XXXX XXXX, my operating account had a balance of {$460.00}. 

I went to bed relieved that I had at least 1 more day to finish and make the complete transfer before any recent checks posted. To my disbelief, I woke up this morning to see 5 checks posting to my operating account dated XXXX XXXX, overdrawing my account to the tune of {$1800.00}. I transferred {$2000.00} of monies free and clear from trust, when I was planning on just finalizing the exact number today, and I promptly called TCF for an explanation. 

The explanations are confusing, but in a nutshel, I was advised by the first rep that checks began processing on the XXXX and post between midnight and 6am today XXXX XXXX. She explained that they are dated for the XXXX because that is when they began processing??? I was processing my trust accounting yesterday to transfer today, does that mean I get to defy the laws of time and space and backdate my transfer as if it occurred yesterday? But I digress ... 

The next rep I spoke to explained again the XXXX cutoff for deposits, and the fact that processing checks begins after XXXX but could n't explain why there were no checks posted by the end of XXXX XXXX according to the online banking. She told me that online banking is not delayed, she stated that she could not tell me the actual time the checks posted, but she did state that if they are showing that they posted on the XXXX, then they most of posted on the XXXX, contrary to what the previous rep stated when she explained checks processed yesterday can post between midnight and XXXX. 

I have a recording of the conversation attached to this complaint. I simply want to understand TCF policy on debits and credits, and I want to know if there is any regulation supporting their policy which in my opinion is clearly in direct conflict with what would be in the best interest of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I need to replace a card and ask a few account related questions. However, I can't easily do this as there is no email address, message center, or chat feature on their website. I have trouble hearing, so a phone won't work.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I am not and have never been in agreement with this debt. I have not had time to challenge agreement as my mom recently was healed of her XXXX and I was helping her through her treatments and recovery process. I have requested that debt collector send over purchase agreement but they have yet to send. Instead they sent me something that was not the purchase agreement that did not prove that this debt is mine. I specifically asked for the purchase agreement but they refuse to send it to me.
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 authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report that I still owe on a closed paid off secured loan. The report is contra status. They claim to have investigated the dispute and validated their reporting. This company continues to hurt my credit ratings. Are they a legitimate credit reporting company? 

I am so tired of dealing with XXXX with their multiple outdated data reporting, not willing to investigate, verify and fix errors. Most of their disputes take an average of 7 days to investigate and never fixes the problem. They claim the XXXX XXXX credit and secured loan are adverse accounts, but when I reached out to original bank, they say they they sent accurate report that both my accounts are closed and paid off, to the contrary in reporting on XXXX. This is so unfair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/XXXX Subject : Dispute and Request for Documentation and Removal of Late Payment History on Charged-Off Accounts for XXXX XXXX DOB XX/XX/XXXX XXXX Last 4 SS XXXX Dear Dispute Resolution Team, I am writing to formally dispute the reporting of XXXX charged-off accounts on my credit file. Although these accounts have been marked as closed by the original creditors, they continue to appear on my credit report, along with a history of late payments, which I believe is inaccurate. I respectfully request that the resolution team review and provide documentation supporting the charged-off status, as well as remove the late payment history associated with these accounts. 

The accounts in question are as follows : XXXX. XXXXXXXX XXXX XXXX  o Account ending in XXXX o Balance : {$15000.00} XXXX. Bank XXXX XXXX XXXX XXXX XXXX Account ending in XXXX o Balance : {$27000.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX o Balance : XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers are protected from inaccurate reporting and unauthorized sharing of personal and financial data. Section 604 ( a ) stipulates that personal information, including details related to closed accounts, can not be disclosed to third parties, including credit bureaus, without explicit consent. As I have not authorized the release of information on these closed accounts, I request that TransUnion investigate and provide any documentation or agreement justifying the continued reporting of these accounts, including any record supporting the history of late payments. 

In addition, please remove any reported late payment history on these accounts from my credit file, as it unfairly impacts my creditworthiness and does not accurately reflect the closed and charged-off status of the accounts. 
I appreciate your prompt attention to this matter and request a response with your findings and any actions taken to correct my credit report within 30 days, as required by the FCRA. 

Thank you for being so cooperative in maintaining accurate credit reporting. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

I opened two accounts at TD bank in XX/XX/2020 and funded them ( also in XX/XX/2020 ) with {$2500.00} and {$1000.00} based on a promotional mailer I received, which promised credits of {$300.00} and {$200.00} based on meeting a number of conditions. 

The accounts were subsequently closed by TD Bank ( due to my inability to come in to a branch in-person ) but they did not return the funds. 

No one from TD followed up to return the funds or provide any information. They lost track of one of the transfers, but said it was returned to my bank, despite my never having received the transfer. 

I called, emailed, and went to a branch, provided ID, and documentation. They have been able to " find '' {$2500.00} but say they still " can not find '' the missing {$1000.00}. Without having provided any documentation or evidence, they say it was returned to my original bank and I should follow up there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with XXXX XXXX  for a while now trying to get them to remove all these cards that were opened in my name.And this specific one keep increasing months after my credit report say it was closed and they are ruining my credit.If this isnt resolved i will have my boss take legal actions. XXXX keep increasing late fees that i do not owe and I didnt authorized the account to be open from the start. I want the account closed properly and removed from my report