23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The contract clearly State XXXX XXXX and the address is for XXXX XXXX. I have never lived on XXXX XXXX and I am not XXXX XXXX, That is also not my Social Security number. This debt is not Validation for them to try and collect. This company is violating Federal Rule of Civil Procedure 60 ( b ) ( 6 ) ( " Rule 60 '' ). This company is violating the Fair Debt Collection Practices Act 807. False or misleading representations, 812. Furnishing certain deceptive forms. They have provided no proof of Validation of debt.

Violating 805. Communication in connection with debt collection 812. Furnishing certain deceptive forms ( Provide forms that the contract was written for XXXX XXXX ), 816. Relation to State laws ( Has no right to operate in Ohio ), 805. Communication in connection with debt collection ( continued to text me after they were told to stop all communication ). I still have all messages.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$260.00}.
Product: Checking or savings account

I believe I am a target of insider fraud. I was renting a vehicle from a local company who charged my account late in order to prevent me from being able to pay the following week on time, which caused me to lose days of work as this is a rental vehicle, which in turn prevented me from paying the following week, which caused me to owe late fees and they then took my vehicle. I know this was done deliberately because they are lying saying they never said what they said and that they didn't charge me because I didn't have money, but I did. I have had ongoing issues with multiple things regarding my finances since someone stole money from me in XXXX which has never been resolved. I have lost my home and everything I do to get back up has been sabotaged in some similar way, in that an employee does something wrong that causes these problems. I am feeling targeted by my community and I want this investigated. I have had my bank account for approximately 7 years, I have NEVER had an overdraft approved not once and they put my account on hold for funds as low as XXXX if they consider it suspicious when it is recurring membership payments for apps. When I called to ask why they paid over XXXX for this vendor but not for the prior amounts they have charged they first claimed it was a return check, I said the person on ap said it was paid and it's been on my account for over two weeks, then she transferred me to fraud department at my insistence. Then the women in fraud department claimed they paid this vendor at their discretion. What would cause MY bank to pay SOMEONE that kind of money without asking me about it. No I feel that this kind of thing added with the fact that the rental company is lying and the other things I've gone through is something else all together ... .no one is that unlucky to have people making these kinds of mistakes repeatedly with my things and it's not deliberate. I guarantee that in your investigation you will find that the person who processed this transaction was done locally and they know the people at XXXX who caused the issue to occur in the first place in some way. This transaction should have been declined I should not have to lose an account that I have had for almost 7 years because of a transaction that was caused by childish behavior in the first place. This is a serious concern and my whole life has been disrupted from this type of thing for years now but this time I'm not stopping until this is resolved properly in my favor. I am a customer of this bank and this is the second time that I know of that they have done something that has impeded my life in a severe way. This is a way to force me to have to pay a vendor who strong armed late fees out of me in the first place.
Product: Credit reporting 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 XXXXXXXX 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 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: Mortgage

I sent my XX/XX/<YYYY> monthly mortgage payment to BofA ( my lender & loan servicer ), loan # XXXX, # XXXX check for {$690.00}. I did not receive a XXXX statement in the mail form BofA, so I wrote the loan number on my check, & stapled a note stating to apply my payment to my # XXXX loan. BofA cashed my check on XXXX/XXXX/15. On XXXX/XXXX/15, I received a delinquent notice in the mail stating I did not pay my XXXX mortgage payment. On XXXX/XXXX/15, I called BofA, was put on hold for 20 minutes, then routed to collections. After talking to XXXX XXXX XXXX foranother 25 minuted, he stated my check was applied to another loan. XXXX XXXX said BofA would fix their mistake & waive imposed charges. I have called BofA serveral times trying to resolve their incompetent mistake, they refuse to fix it. As of today XXXX/XXXX/15, I have received XXXX delinquent notices, threatening they will call my loan due, threatening a foreclosure on my VA XXXX Veterans Administration XXXX loan, threatening reporting the delinquency to the XXXX-credit bureaus, threatening to report to the Veterans Administration loan delinquency. In addition, BofA is sending me delinquent threat letters to my email, calling my cell phone & home phone every other day, & sending me certified letters. Please provide assistence to stop BofA from performing illegal, unprofessional, unethical, & fradulent banking business tactics. I paid my XXXX mortgage payment in full for XXXX, BofA took my money & is threatening & harassing me by phone, email, & XXXX mail.
Product: Credit card

I attempted a balance transfer on XX/XX/XXXX from santandar cash back credit card to XXXX XXXX XXXX XXXX XXXX Santander obstructed and blocked this transfer, I initiated another transfer on XX/XX/XXXX which santandar then resorted to the same tactics to block so I contacted the occ as well as other government agencies. Santandar finally proceeded the balance transfer after 6 weeks and my santandar credit card balance went done but they did no adjust my available credit to reflect this. I santandar has participated in fraud. I called today to ask why my available credit didnt reflect this transfer and found out that they reduced my credit limit by {$1000.00} from {$5000.00} to {$4000.00} so my available credit would stay the same. This is fraudulent shameful activity for a financial institution to act vengefully for simply trying to reduce my debt. They have stolen {$1000.00} from me. Please sanction and site Santandar cash back credit card for deception practices and false enrichment.
Product: Debt collection

Subject : Request to Block Fraudulent Information Pursuant to FCRA XXXX Dear XXXX, I am writing to formally request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that Experian block the following fraudulent information appearing on my consumer credit report. This information, which is the result of identity theft and fraud, must be blocked within XXXX business days of your receipt of this complaint. 
The fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account Number : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX Account Number : XXXX These accounts have resulted in fraudulent hard inquiries and collections being reported on my credit file. I have attached a list of the hard inquiries in question and a copy of my consumer XXXX credit report maintained by Experian, which includes the fraudulent accounts, collections, and inquiries mentioned above. 

I do not recognize any of these accounts, collections, or inquiries as legitimate. These items were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 
As proof, I have included a copy of the FTC Identity Theft Criminal Complaint ( Case # : XXXX which confirms that the accounts, collections, and inquiries in question are the result of identity theft. 
Fair Resolution Requested : I request that Experian block all of the fraudulent accounts, collections, and hard inquiries identified in this complaint from my consumer credit file, pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ), within XXXX business days of receiving this complaint. Additionally, I ask that all written correspondence regarding this complaint be sent to me via email at XXXX. 
Thank you for your prompt attention to this matter. I look forward to confirmation that these items have been removed as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Experian because they have failed to comply with the Fair Credit Reporting Act XXXX FCRA ) by using multiple stall tactics and using computer-generated responses to my dispute letters. They have failed to provide documentary evidence to verify the disputed accounts. On XX/XX/XXXX I pulled my Experian credit report. I noticed several accounts were reporting inaccurately and I knew the specific accounts reporting were not mine. After trying to update my personal information, I disputed six ( 6 ) inaccurate accounts which were XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX  with Experian via U.S. certified mail on XX/XX/XXXX. XXXX attached. Experian deleted accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX as a result of the dispute investigation. Experian claimed to have verified the XXXX   XXXX XXXX XXXX and XXXX accounts. On XX/XX/XXXX, I pulled my Experian credit report again and discovered that the XXXX XXXX XXXX was now reporting an account number which only consist of XXXX digits when it was reporting an XXXX digit account number in XXXX. XXXX attached. I also discovered that the XXXX  account number was completely changed as well. So, on XX/XX/XXXX, I certified mailed another dispute letter to Experian disputing the new inaccurate XXXX XXXX XXXX account number along with disputing the inaccurate XXXX XXXX and XXXX accounts. See attached. Experian sent my dispute results dated XX/XX/XXXX which I received in XX/XX/XXXX stating to have updated each disputed account. See attached. XXXX is now reporting an 16 digit account number again, XXXX is still reporting the completely different account number without being verified, XXXX is reporting different and XXXX  still the same. However, nothing in the results showed evidence of anything new being updated on the report. I do not have any contracts for any of the disputed inaccurate accounts and know that they can not be verified. If the inaccurate items including XXXX XXXX XXXX, XXXX, XXXX and XXXX are not properly re-investigated and verified by documentation with my wet ink signature on it then Experian has no choice but to delete it from my credit report. Due to Experian failure to properly investigate my dispute and delete the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future.
Product: Debt collection

They called me pretending like they are going to serve me with a summons to appear in court and it's all a lie. XXXX representing themselves and would not send me a letter even though I asked XXXX. I have XXXX of the conversations recorded. They did not state the mini XXXX. They won't give me their info because they're hiding behind the phone. They won't send me a letter because they know what they're doing is illegal.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions is authorized, I was charged fees due to lagged postings 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 and investigation in my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX information is inaccurate XXXX XXXX XXXXXXXX information is inaccurate XXXXXXXX XXXX XXXX information is inaccurate 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal information.
Product: Debt collection

I moved from XXXX to XXXX years ago and this is the second attempt at a debt never owed. It was paid in full and this is the second illegal attempt to collect this debt. XXXX was previous debt collector and now its been sold and put on my credit again
Product: Credit reporting

XXXX   XXXX   is fraudulent someone used my i.d that knew me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In reviewing a recent summary of my checking account at Wells Fargo, I found that I had been charged a {$35.00} NSF fee for a purchase made with my debit card for an amount that exceeded available funds. I DID NOT opt into the service that would allow this, thus the NSF fee was illegally charged to my account. 
I contacted Wells Fargo customer service after I 'd reviewed the most recent 18 months of transactions and found several such unwarranted NSF fees, and while they stalled in their reply and would only communicate with me via telephone, they finally and without resistance, refunded the fees. I then reviewed the entire history of the checking account going back to 2009, and found approximately XXXX such violations. These violations appear to be systematic and systemic, and there is certainly no way they were accidents. While I did receive a refund for all the charges, I am contacting you to report the illegal behavior. I believe it is likely intentional, institutional and ongoing.
Product: Debt collection

I purchased a car in XXXX from XXXX XXXX XXXX XXXX XXXX and got financed through Nissan Motor Company from XXXX until XX/XX/XXXX I have made on-time payments to my account was never late. I started to look around XX/XX/XXXX to trade in my Nissan XXXX I went to XXXX dealerships and was informed that they can't find my name in the system as having a loan through Nissan motor corps stating I had a loan with their company. I went to XXXX XXXX  XXXX dealership to look at vehicles and was told by a manager that she too could not find me in the system as having an auto loan thorough Nissan at this time I started to feel scammed like I have been paying 6 years for a car that has no links to me so I immediately purchased another car and asked the bank to come to get it it wasn't until this time in XX/XX/XXXX that they ever reported my positive payments or that I ever seen them on my credit report until XXXX of this year with the negative and all the positives from the start of the loan they charged off the account but its showing on my account and I don't think this is fair
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigations of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in cfpb administration proceeding disputes on my credit profile for similar violations.I request that the CFPB take action to ensure that XXXX complies with federal law and provides consumers with the necessary proof of investigation. I want all reported accounts to be removed.
Product: Credit card

A complaint - # XXXX was filed regarding American Express Gold Delta SkyMiles card - American Express used incorrect data provided by Experian to determine APR. 
American Express Gold Delta SkyMiles responded to complaint stating that they had resolved the matter by offering a gesture of good will : 1. American Express issued a {$30.00} statement credit - I can not verify this information. 
2. American Express XXXX Delta SkyMiles - AE has not allocated XXXX Delta Skymiles they stated in letter XXXX XXXX, 2016 in response to my complaint # identified above ( and narrative below ) The former issues was ... 
Delta Skymiles American Express credit card, which I applied for and awarded, was awarded at 17.49 APRate instead of 15.49 APR. American Express stated on XX/XX/2016, my XXXX score was XXXX based on a report from XXXX. On XXXX/XXXX/2016, I ran my credit report for all XXXX credit reporting agencies ( 4 days apart ) and my XXXX scores were : XXXX XXXX ( excellent ), XXXX XXXX ( excellent ), XXXX XXXX ( excellent ). This is a XXXX point difference in the XXXX XXXX score in 4 days. When I explained to Am Express that XXXX out the XXXX issues were incorrect and incomplete - they would not resolve the issue. And XXXX, when contacted, was not willing to make ensure my credit card was complete and accurate ( separate complaint has been filed on XXXX ). Issue one - said no record of installment loan ( car loans are evident and on file - XXXX and XXXX XXXX ) but my mortgage info is not listed on XXXX.Second, said too short of time with early accounts - have had 28 years of credit. Third issue - do not pay accounts as agreed - I pay all accounts as agreed. AM Express based its APR decision on inaccurate and incomplete information. 
XXXX Issue APR or interest rate If you lost money, how much money did you lose? {$0.00} Have you done any of these things to try to resolve this issue? 
Contacted the company directly DESIRED RESOLUTION
Product: Credit reporting or other personal consumer reports

n 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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX  XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX  XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XX/XX/year> XXXX XX/XX/year>2024 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 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 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: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally required timeframe. On XXXX XXXX XXXX  I filed disputes with each of these credit bureaus, requesting investigations into inaccurate information on my credit reports. 

To date, I have not received any formal response, investigation results, or supporting documentation from any of the bureaus. Under the Fair Credit Reporting Act ( FCRA ), they are required to investigate and provide a response within 30 days, yet they have failed to do so.

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take action to ensure the credit bureaus comply with federal regulations. Since they have exceeded the 30-day compliance period, I am demanding the immediate removal of the disputed items from my credit reports, as required by law, along with formal confirmation of these corrections.
Product: Credit reporting or other personal consumer reports

I have disputed this account : XXXX XXXX XXXX XXXX XXXX XXXX Please help me to update the inaccuracy report from my file. I contacted the bureaus and should be removed but I could not get any help. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX It also states a consumer reporting agency can not furnish a account without written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose.