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

I sent letters to Transunion, XXXX  and XXXX regarding having wrong addresses, Inquiries and open accounts on my credit report. I also sent my ID and Utility bill. 
XXXX. 

I heard back from Transunion on XXXX. They said I did not send in my ID or anything else to show my address. 

I have not heard from XXXX or XXXX about my requests.
Product: Checking or savings account

I received my federal student loans on or around XXXX XX/XX/2022. After receiving the check via mail, I deposited the check for {$4700.00} via the USAA app. My money was put on a temporary hold, as is customary, and all funds made available after a few days. I spent the majority of the money furnishing my house over a 10 day span, at which point my debit card stopped working while getting groceries. 

USAA had not notified me of this issue, and my account showed no notifications or messages telling me what was happening ( it still doesnt. ) My emails had nothing from USAA aside from insurance payment info and spam. The only thing that let me know something was wrong were the words Balance Details Unavailable where my account value should be. 

I called USAA and after an hour on the phone, was told that I was under fraud investigation. When I asked why, the check was given as the reason. I asked why that would happen, because the check was from my college. The woman on the line did not know, and was as confused as I was. After some investigating online, I found similar cases - USAA locking customers accounts after depositing large checks. The checks go through on both ends, but USAA kicks them back regardless. 

Its been a week and I have no access to my funds. I have also been told that the check might be returned. Unfortunately, I have thrown away the original and will likely have to start the process of getting a new one. I am currently not able to pay for groceries, gas, or my sons daycare, which debits my account every week. In the event my check is kicked back, my account will be XXXX of dollars in debt while I wait for a new check. My XXXX XXXX housing allowance will go into my negative account, which means I will have no money for rent or utilities. If the check is not kicked back, I am still going on week two with no access to money that I signed for and that was cleared by both parties. 

My parents have banked with USAA my entire life. I chose USAA right before going to basic training and have been a loyal customer for the last seven years, both banking and insurance, but after this I will likely switch.
Product: Credit reporting or other personal consumer reports

I noticed a negative reporting accounts on my credit reports. XX/XX/2024, 30 days ago I sent a certified mail disputing the accounts. I have no heard back from any of the parties mentioned. 

I am writing to get compensation for breaking the law and getting me denied when applying for credit due to their false reporting information. 

FDCPA 809. Validation of debts & FCRA Under 15 U.S. Code 1692k - Civil liability, FCRA 15 USC 1692g : Validation of debts 15 U.S. Code 1692e - False or misleading representations also XXXX, EQUIFAX and XXXX for not responding to my disputes in 30 days. According to the FCRA they have 30 days to verify and provide accurate information on my report. Also to provide whom they spoke to and " verified '' this false collection / charge off on my credit reports also want to sue for damages caused when applying for credit during the last 30 days. 

Under 15 U.S.C. 1681 also have not validated 15 USC 1692g : Validation of debts I am owed in damages and need to have the negative items removed asap. 

Also XXXX equifax and XXXX failed to mark as disputed. 

15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding unknown and inaccurate items on my credit report. To this day over 30 days ago I have not received a response yet. I feel like I'm being taken advantage of and being ignored or my disputes. Section 611 ( a ). states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These should be deleted promptly. I demand these account be deleted immediately or I will be forced to file litigation due to stress caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. This is very concerning as I no longer feel safe with my own identity.
Product: Debt collection

I checked my credit report to see this company Midwest Recovery System on my credit report for {$760.00} for a payday loan I have never applied for or received. I attempted the contact the company for over a month now and have not received any respond. I have not received anything in the mail. This company called me several times before in which I asked for prove of this account and was told they did not have to give me any prove and I will received everything when the police come and pick me up. 

This account has affect my closing on my home loan due to the company refuse to respond to voicemails or dispute letters. I want this account deleted from my credit report like yesterday or I will be sueing this company. My lawyer has also attempted to contact them and received no respond.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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 XXXX findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe this practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a new mortgage XX/XX/XXXX with XXXX XXXX. 

Experian reported I had two IDENTICAL mortgages, so I submitted a dispute on line with Experian. These two identical mortgages were correct on the loan details other than they were just duplicated Experian researched the dispute and removed the duplicate mortgage. However, the remaining mortgage shown had two large errors. Although the mortgage was opened on XX/XX/XXXX, Experian was showing I had late payments made in XXXX and XXXX, XXXX. My mortgage wasnt even open at that point. The second error showed my mortgage balance at {$250000.00} even though the original loan amount was {$200000.00}. 

I filed a second dispute on XX/XX/XXXX to have the two errors listed above corrected. In filing the dispute, the Experian rep agreed that the information did not make sense at all. 

On XX/XX/XXXX, I called Experian to find out the status of my dispute. My credit score had dropped from Exceptional to Good and I was starting to apply for some minor things ( new home setup with internet provider, TV service, etc ) that were going to require a credit check. The Experian Rep told me they were still awaiting information from my mortgage company to resolve the dispute I filed on XX/XX/XXXX. 

I received notice via email from Experian on XX/XX/XXXX that my XX/XX/XXXX dispute was resolved. In looking at my account with Experian on XX/XX/XXXX, my credit report still showed that I missed two payments on my mortgage and the balance was still at {$250000.00}. 
I also was shown two alerts in my Experian account that " Your original dispute was modified by an Experian Disputes Specialist. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. '' AND " The dispute for the account with XXXX, XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX ''. 

On XX/XX/XXXX, after receiving these alerts I called Experian. The rep indicated that he now had documents from that they received showing the balance correct but needed to open up another dispute to get it corrected and that it would not be corrected until XX/XX/XXXX. 

Also, during this entire time, my mortgage company was reporting to me the correct mortgage balance and that I did not have any late payments. Nor did either of the other two credit reporting bureaus show these errors.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX the amount of {$460.00} and XX/XX/XXXX the amount of {$220.00} there was 2 fraudulent accounts opened using my personal information withXX/XX/XXXXXX/XX/XXXX. on XX/XX/XXXX there was a auto loan for the amount {$15000.00} taking out with XXXX XX/XX/XXXXusing my personal information. on XX/XX/XXXX there was an account opened with merchant ad for the amount of {$1100.00} fraudulent using my personal information
Product: Student loan

To Whom It May Concern, I'm writing to file a formal complaint against Navient for unfair practices related to my private student loan, which stems from a fraudulent for-profit school, XXXX XXXX XXXX XXXX that I attended over XXXX years ago. The institution promised an XXXX XXXX program during admissions ( claiming that I will be grandfathered into the XXXX XXXX program once the school became an associate program through the duration of my time enrolled ) but instead engaged in deceptive practices, ultimately convincing me into taking a second private loan to cover the remaining XXXX months of the program I had left, without informing me that I had to renew my eligibility for financial aid to potentially cover the remaining few months of the program that was left. At XXXX, I was unaware that financial aid had to be renewed every year. The program was an XXXX month program. 

At the time, I did not understand the loan terms or the implications of the agreements I was coerced into signing. I was not offered financial aid or the opportunity to reapply for it, which I know now would have been an option. The school 's fraudulent activities have since come to light, resulting in numerous lawsuits, and yet, Navient continues to profit for this predatory loan. 

Upon completion of the program at XXXX XXXX, I became a mother. I reached out to XXXXNavient for assistance with loan repayment, but was offered forbearance, which led to escalating interest rates. This resulted in a debt cycle that has now spanned nearly XXXX decades, making it clear that I would be paying off this loan indefinitely. Only after I exhausted all forbearance and deferment options was, I offered an interest only repayment plan that aligned more with my income. 

Currently, my loan has re-entered repayment following the completion of a program at a local community college. When I sought further assistance from Navient today, XX/XX/year>, I was offered repayment programs with a higher interest rate with a monthly payment that exceeded what is currently showing on monthly statement. This does not make financial sense and is not sustainable circumstances. 

As a mother of XXXX special needs children - one who is non-verbal and another with an intellectual XXXX- I am often required to take leave and change jobs frequently. Despite explaining my situation to Navient, the only options presented are programs that increase my financial burden, making repayment impossible. 

I request an investigation into Navient 's practices regarding my loan, as they are unfair, predatory and unsustainable. Navient 's continued collection efforts on a loan originating from a fraudulent institution, particularly given the settlements and proven predatory practices, are unacceptable. 

Thank you for your attention to this matter, Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never had a loan or contract with Westlake financial mgmt. I have requested a contract in the past and have been sent 2 contracts that are not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent application for pre-approval of a potential loan, I was made aware of the " high balances '' reported in my credit report by all three agencies. Investigating the source led to the conclusion that Capital One was reporting incorrect " high balances '' on my two credit card accounts with them, and negatively effecting my credit score to some extent. As evidenced by the attached credit report and credit summaries, I have never had the " high balances '' stated for the particular time period of XX/XX/XXXX to XX/XX/XXXX. The credit report has the actual monthly balances reported by Capital One and their report of the '' high balance '' for that period. Their reported " high balance '' statements do not match their own reported monthly values. I submitted a formal complaint to Capital One due to what I perceive as an individual or potentially systemic error in their reporting of high balances. The Capital One complaint and their brief reply have been attached. They report a high balance of {$14000.00} when the actual high was {$5000.00} for my XXXX limit card. For my XXXX limit card, they report a high balance of {$4200.00} verses an actual of {$2900.00}. The card balances are paid in full each month. 
If these numbers are correct as they have replied, please state the month in which they occurred! How are their reported high balances computed?
Product: Debt collection

This is an original account fro m Chase en ding in  XXXX .   The debtor,  XXXX   XXXX , is in  a skilled    XXXX   XXXX   receiving  XXXX  and thus is not able to make payments or pay the debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called about unknown hard inquiries on my credit report cause I was a victim of there inquiry issue they had a couple months ago. When I spoke to customer service he said I was not a victim and he could not take them off my report. These are the unknown items that are listed XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX XXXX Ive noticed fraudulent accounts and inquiries 
ACCOUNT NAME :XXXX XXXX  
BALANCE UPDATED :XXXX XXXX XXXX
ACCOUNT NUMBER : XXXX
DATE OPENED 
DATE : -
CLOSED : XXXX XXXX XXXX
STATUS: INCLUDED IN BANKRUPTCY
COMPANY CONTACT 
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX
Phone number
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items for my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person. I already created FTC report to request a remove on the items but there is no changes that has made
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple accounts that are incorrect are reporting on my credit reports XXXX   XXXX**** US DEPT ED XXXX**** US DEPT ED XXXX**** US DEPT ED XXXX**** USDOE/XXXX  XXXX**** XXXX/XXXX XXXX****
Product: Credit card or prepaid card

I sent several letters to Trans Union about my credit reportAnd unfamiliar items on my credit report I havent got a response or any change to my report
Product: Credit reporting or other personal consumer reports

My information was exposed during a data breach. There are several errors on my credit report including inaccurate names and addresses which are associated with several inquires and charges. Accounts that have been paid but not reported and companies on my report that I have never done business with or have a contract with nor was I aware of any debts being sold. I contacted the credit reporting agencies on XX/XX/2024 to remove and update this information however they still exist on my credit reports.
Product: Credit reporting or other personal consumer reports

Experian doesnt log into disputes properly. They close them too early without fixing the problem. Ive been trying to dispute items on my credit for a long time and I dont get any results because experience doesnt take the time to work with me or look into the dispute properly.
Product: Debt collection

I demand a cease and desist of all illegal activity pursuant to XXXX5 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Product: Debt collection

i discovered on my XXXX report i have the following collection -Collection Agency - NOT MINE.- -Collection Agency CONVERGENT OUTSOURCING, XXXX Balance Date XX/XX/2022,, Original Creditor Name XXXX XXXX XXXX XXXX {$550.00} CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. XXXX XXXX is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute inaccurate accounts on my credit report with both TransUnion and XXXX, including sending multiple letters outlining my concerns. Despite these efforts, neither credit bureau has provided me with any meaningful information or verification regarding the disputes I raised. 

It appears that both TransUnion and XXXX have processed my disputes using an automated system called XXXX, which scans the letters without providing a thorough investigation or verification of the disputed information. This is not sufficient under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to receive clear verification of how they determined the accuracy of the disputed items. 

To date, no adequate response has been provided to explain how the credit bureaus verified the information on my report. I am requesting that they fully comply with my legal rights and conduct a proper investigation into the disputed accounts.
Product: Credit reporting or other personal consumer reports

After an investigation into the theft of information, the bureaus agreed to work with us and consider the information, there are some things left in my credit report that are unacceptable, please EXPERIAN you are the only one who has this data, please delete it for me, please maintain professional standards, thank you in advance for your collaboration XXXX XXXX XXXX XXXX XXXX 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

*** Failure to Remove Medical Debt from Credit Report in Violation of Federal Regulations *** _Dear CFPB Complaint Intake_ I am writing to file a formal complaint against Equifax for its continued reporting of medical debt on my credit report, which violates recent federal regulations concerning *medical debt reporting*. 

Specific Complaint Details *** Regulatory Background *** On XX/XX/year>, the Consumer Financial Protection Bureau finalized a rule prohibiting the reporting of medical debt on consumer credit reports. 


*************** Persistent Reporting ****************** ***Despite the clear federal mandate, Equifax continues to report a medical debt of {$730.00} on my credit report, which was originally placed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX agency appears to have attempted to circumvent the new regulation by reporting the debt just days before the law 's implementation deadline. XXXX XXXX XXXX XXXX  I have previously attempted to resolve this matter through direct communication with Equifax, providing comprehensive documentation disputing the medical debtXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The continued reporting of this medical debt : XXXX 1 ) Negatively impacts my credit score 2 ) Violates the spirit and letter of the recent CFPB regulation 3 ) Causes undue financial and personal stress 4 ) Demonstrates a pattern of willful non-compliance with federal regulations