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

I received a letter from CFPB stating that this claim was closed to protect my privacy because you all did not think this was me. The claim that i am not trying to fix my own credit using my own resources and knowledge is frivolous as it does not make sense due to the fact that during the initial submission of the original complaint, I selected that it was me submitting the claim on behalf of me, so how do you send a letter saying that it's not me. How can you deny me a proper investigation or research but not approach the furnisher of data with the same efforts. I have sent multiple written letters sent via certified mail to the original creditor XXXX XXXX XXXX asking for verification of this debt, I've sent multiple letters asking for verification of this debt to the current collection agency NATIONAL CREDIT SYSTEMS and have not received a response. I have proof and documentation of all communication to each of these individual companies and not one of them has provided me with the proper documentation that verifies this debt is mine as i have continued to express THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY DUE TO BEINT FRAUDELENT ; I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; I have been in contact with all 3 credit reporting bureaus and was able to successfully have this account deleted from XXXX due to it not being able to be verified as mine however XXXX and XXXX Continue to state that the account meets FCRA guidelines and the account has been verified. NATIONAL CREDIT SYSTEMS has never proved this debt belongs to me legally, as to why it was removed from XXXX, so please explain to me how it is still being verified as mine with other agencies if data furnishers are required to submit the same accurate information to each bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the fourth time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My bank charged me a {$7.00} OD fee even though I had the money transferred in right away to cover it. I have XXXX direct deposits going into my acct each month for a total of XXXX. Really, an od fee for a great customer who has been with your bank for probably over XXXX years!! I talked to customer service reps who would n't remove the fee. I then called the bank in my area and they removed the fee, but told me if I did n't have a balance on my equity line I would get charged again if it happened again. Why would a bank take XXXX minutes to tell me there was nothing they could do and then I call the branch and he removed the fee. It is principal with me -- if you are a great customer and a long time customer why would you want to make them unhappy? Does n't anyone care any more about good customers???
Product: Debt or credit management

Im confused about WARRANTY DEED and NOTE both of them are stating contradictory statements on my Note its state I have a promise to pay {$270000.00} to the Lender GUARANTEE RATE , INC., A DELAWARE CORPORATION but on my WARRANTY DEED states ( {$10.00} ) was given to the a note of even value of the principal amount of XXXX. Im asking why are the two statements not being valid on the same amounts. The property in question XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX. Im asking how was XXXX, XXXX and XXXX XXXX Affiliated in connection with the NOTE or WARRANTY DEED which whom neither is stating their affiliation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally request your immediate attention to incorrect late payment information reported on my credit file for my XX/XX/XXXXXXXX account ( Account # XXXX ) **. Despite submitting two previous dispute requests on XX/XX/XXXX, and XX/XX/XXXX, these inaccuracies remain unresolved. This negligence violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), and has caused significant harm to my creditworthiness. Summary of Discrepancies and Errors : 1. Inaccurate Late Payment History : TransUnion : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). 
XXXX : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). 
XXXX : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). 2. Inconsistent Account Details : High Balance : TransUnion and XXXX : {$1500.00} XXXX : {$1500.00} Credit Limit : TransUnion and XXXX : {$1500.00} XXXX : {$0.00} Reporting Dates : Last Verified : TransUnion : XX/XX/XXXX XXXX : Not provided XXXX : Not provided Date of Last Activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i requires credit reporting agencies to conduct a reasonable reinvestigation and ensure the accuracy of information when disputed. The continued reporting of inaccurate late payments reflects a clear failure to meet this obligation. 15 U.S. Code 1681e ( b ) mandates that credit reporting agencies maintain the maximum accuracy of consumer information, which has not been upheld in my case. 2. Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b requires creditors to issue periodic billing statements at least 21 days before the due date. The inaccurate late payment reporting indicates a failure to meet this requirement, as no such notification was provided. 3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act requires creditors to provide accurate and timely statements to prevent unfair penalties to consumers. The inaccuracies in my credit report directly contradict this obligation. Requested Resolution : I formally request the following actions to resolve this issue : 1. Immediate removal of the incorrect late payment notations forXX/XX/XXXX ( TransUnion and XXXX ) and XX/XX/XXXX ( XXXX ) from my credit report. 2. Correction of discrepancies in account details, including high balance, credit limit, and reporting dates. 3. Written confirmation that these corrections have been made. If these inaccuracies are not resolved promptly, I am prepared to escalate this complaint, including filing additional complaints with regulatory agencies such as the CFPB, FTC, and state attorney generals office. Legal action to ensure compliance with federal laws will also be considered.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of these corrections within the next 15 business days. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called this am and was told for my account ending in XXXX I could get the XXXX transaction history DEPOSITS including the last 4 numbers of sending acct number, and person who sent it. I spent time at the branch no one can help me. I need to see all transaction info relating to deposits into acct asap I was told it should be showing but it is not please help
Product: Debt collection

XXXX emailed me that I have a account in collections on my credit report, I called the collection company and explained the debt is not mine. I then called the company that sent the info to the collection company and have no gotten anywhere in over a month.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

I recently disputed these accounts previously and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. These accounts that have been previously disputed are still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Per the Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately, per the Federal Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c )
Product: Mortgage

Ditch Financial grossly underestimated escrow. Our payments per month have gone up near four hundred dollars. We were approved for the loan based on our income which has not changed. We agreed to the loan based on what we can afford. This has not happened to other properties in our area. We feel this is predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX All companies which I have accounts in my name that were all due to fraud.
Product: Checking or savings account

The fee schedule on the account is {$3.00} a month if minimum balance is below {$3000.00}. I have maintained a balance above {$3000.00}. They have been charging me {$2.00} monthly maintenance fee. I called ( repeatedly ) and they finally emailed me back that the fee schedule is $ 2.50/month if minimum balance is under {$5000.00}. The policy they are charging me for is not the policy listed on my account on their website. I suspect they have probably done similar to thousands ( or even millions ) of customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased a vehicle in XXXX from XXXX XXXX, who contacted XXXX XXXX for funding. We were denied credit through XXXX because of a report from Sagestream , LLC, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the XXXX 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken XXXX over two months to send us any notification.Have been told by others XXXX approves only wealthy people. XXXX needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. Sagestream needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and Sagestream to file reports with The Consumer Financial Protection Bureau.
Product: Checking or savings account

An account was opened in my name. I received a debit card at my house asking me to activate it. I did not open the account. I have contacted them via email and they refuse to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX  Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX  XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, XXXX XXXX XXXX  listed a credit card account as charged off to all 3 credit bureaus. The account has remained as " charged off '' since and there has been no update to the status of the account, no payments made, and no card activity since XXXX XXXX. In early XXXX, XXXX XXXX XXXX  incorrectly reported the account as charged off XX/XX/XXXX. 

They have improperly changed the charge off date which has caused my credit score to drop across all XXXX bureaus. I was able to successfully dispute the record with XXXX but I am waiting to see what Equifax and XXXX will do. In the meantime, credit is damaged and I am concerned that my current limits may be cut or have my accounts closed as a result of this XXXX error.
Product: Credit card or prepaid card

40+ years ago, i was a member of Navy Federal Credit Union . somewhere between 30-35 years ago i filed for bankruptcy and NFCU was one of the debtors i claimed. Fast forward to 2021. I have rejoined Navy Federal Credit Union, paid my {$5.00}, sent in all documents required to rejoin. I rejoined because of their low interest rates. Two weeks ago i applied for a NFCU credit card on line and was denied. ( i have a credit score of XXXX ). Yesterday i received a letter saying i was denied because " you created a loss to Navy Federal Credit Union '' ( the amount they lost was less than {$400.00} if i recall ). I called NFCU and talked to a rep and ask why i was being denied a credit card on a 30+ year old bankruptcy. Her reply was, well you can write us a letter and appeal our decision, but i doubt that you will win. 
How can they hold that against me after 30+ years?
Product: Checking or savings account

I had an automatic payment bill for XXXX set up with my Citibank account. Recently, I called them and asked them to cancel the automatic payment. I don't have the exact date but it was before XX/XX/XXXX. On XX/XX/XXXX, a check of XXXX was withdrawn and it bounced because the payment I had canceled wasn't canceled, so the money I was sure it should be in my account wasn't. I had to call them again to cancel de automatic payment and they don't want to refund the XXXX dollars fee of the check that bounced. I had to waste my time calling them to cancel the automatic payment and because of their incompetence, my check bounced. That is unacceptable to be charged any fee under these circumstances. I want the reimbursement of the fee. I asked the customer service agent to escalate the situation and the supervisor said she could not do anything about it. I told her to escalate and she said it would take a couple of business days for a manager to contact me. That is unacceptable, their mistake needs to be fixed as soon as possible.
Product: Debt collection

I sent Knight Adjustment Bureau letters on XX/XX/2021 and XX/XX/2021 asking for certain verification information from them and their responses to both letters did not answer any of my questions. 

I am aware and have proof that Knight Adjustment Bureau 's violations against me include but are not limited to : violation of of 15 USC 1692g ( a ) ( 1-5 ), 15 USC 1692j , 15 USC 1692e ( 2 ) ( A ), 15 USC 1611. 

Knight Adjustment Bureau 's collection efforts have caused me and my family emotional distress and defamation of character. 

I have never participated in any transactions with Knight Adjustment Bureau. 

I have never consented to do business with Knight Adjustment Bureau in any way.
Product: Credit reporting or other personal consumer reports

This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Paying off an installment since XX/XX/XXXX, I have had some issue paying on time due to lags in employment and low wages. I was able to get my bi weekly payment date changed to coincide with my new job, starting XX/XX/XXXX. I paid on time on XX/XX/XXXX and was notified via email by the company on XX/XX/XXXX that my next payment was due on XX/XX/XXXX. They deducted the amount two days early on XX/XX/XXXX. I did not have the funds to cover the amount and now have a negative checking balance, which is increasing due to over draft fees daily. I have no money to eat, travel, or pay other bills with as this will take up a big chunk of my paycheck on XX/XX/XXXX and will result in me being late on my phone bill, due this month and my rent due next month on the XX/XX/XXXXXXXX. I contacted the company via phone and was told there was no reason as to why the funds were taken out early and that it could take days to sort this out and I was denied a definite yes or no on whether or not they would pay overdraft fees. I was also not given a time frame towards any solution. Just an email to send copies of my bank statements. Please help as soon as you can as I have no money and way to get to work after today. I was also told that my next payment date of XX/XX/XXXX still stands. I mistakenly took out a smaller, payday loan in an attempt to act as a buffer, but it did not come in on time and was too low, now I have that to deal with as well.
Product: Mortgage

XXXX XXXX XXXX  XXXX financed a loan for my purchase Payment for XX/XX/XXXX due and paid and check cashed by XXXX XXXX XXXX Notice of assignment or Transfer of service dated XX/XX/XXXX for XX/XX/XXXX payment to be paid to : XXXX XXXX Payment due on XX/XX/XXXX mailed payment XX/XX/XXXX for XX/XX/XXXX payment, then payment cashed Received letter after I mailed payment that Notice of service transfer dated XX/XX/XXXX to NewRez all payments on or after XXXX XX/XX/XXXX go to NewRez I contacted NewRez that XXXX payment was cashed by XXXX XXXX I faxed and e mailed and regular mailed both bank copies of cashed Mortgage payments One for XXXX One for XXXX to : NewRez, Received statement I owe for XXXX from NewRez NewRes never replied and upon calling Shellpoint Mortgage Servicing the New Rez latest new department to talk to about my payment I still owe for XXXX and they received my documentations of payment but have 60 days to reply? 

So my question is why did XXXX XXXX XXXX  turn me over to XXXX when it was going bankrupt and further more why did XXXX take my mortgage when it knew it was going bankrupted and cash my check? and why doesn't NewRez respond and acknowledge my payments to XXXX? Is'nt this bad customer service? 
Why should I be tossed around three times within getting a new loan just assigned in XX/XX/XXXX? I am XXXX I just relocated to a new town and had a XXXX XXXX and this is stressful
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

This is our second complaint. Closed on an auto loan XX/XX/year>. We still have not received our proper registration or tags from the bank.